one of the three things that will revolutionize the education system if you're

like me you look back at your education and you're like so many things were

done wrong and I was just reading an article that said US student loan debt has

now reached 1.2 trillion dollars that's just in the United States and people are

talking about the global trade deficit and all that that's at like 800

million US is 1.2 trillion dollars that people owe for all these loans some

to private loans some to government loans by the way I'm here in San Diego

enjoying and see the ocean out there a little bit and I was just reading some

articles I was like I got to talk about this because I can think of three things

off the top of my head that would that had they happen to you and I when we're

growing up would have set our life on a completely different trajectory

been so much easier to be successful financially and all that so let me

give you the three number one there should be a refund policy for universities

Joseph Stiglitz won a Nobel Prize as an economist and he wrote a book and he

basically says he thinks that the current US educational system the higher

university system qualifies as a scam because you can't get your money back

you know Wal-Mart you they pioneered easy refunds you don't even need to

receipt and people thought when they first started doing that people are like no

that's crazy everybody's gonna want their money back but people are more

fair than you think so if universities were offering refunds to people who

felt like hey I spent four years of my life and possibly forty thousand

dollars or more on my education and I can't even get a job and in fact I have

...