The problem of inflated and unaffordable student debt is well known, but the causes of the issue are unintuitive and repeatedly misunderstood.

The level of unaffordable student debt in the US has reached staggering levels in recent years, but few comprehend the true core reason for the issue. The financial benefits of a college degree appear evident; college graduates are likely to earn, on average, $1 million more over the course of their careers than those with only a general education degree.

Despite this, and even with federal student loans currently pricing at historically low rates, students are dropping out of college at an alarming rate due to unaffordability. Often these dropouts have already incurred significant amounts of debt but without a degree. To address the student debt crisis, UHS strikes the dual issues of access to reasonable funding for college and restricted practical information on college results. Borrowing from the best features of diverse types of income-based financing programs used globally, UHS offers an affordable funding solution that attempts to settle many of the outstanding issues of the current system.