student population going into higher education has grown to include those of average ability, universities either have to accept a low graduation rate, or accommodate them with a decline in academic standards, facilitated by grade inflation. Also, the supply of graduates in many fields of study is exceeding the demand for their skills, which aggravates graduate unemployment, underemployment, credentialism and educational inflation. Some advocates say that the financial costs that universities require from their students has gone up so dramatically that it is leaving many students in debt of loans of an average of $37,172 compared to 2000, where the average debt students graduated with was $16,928. In the United States there is an estimated 44 million Americans with a combined $1.3 trillion student loan debt. Advocates advise parents to not send their children to college unless these children are committed to pursuing their future education. An increasing number of freshman every year drop out of their perspective programs or do not possess the maturity to have a balanced life away from home. More and more critics also appear regarding the weaknesses of liberal education in the form of a brick-and-mortar campus. Charles Murray, for example, pointed out that with the development of the internet, the scholarship that flourishes through colleagueships no longer exists, because the scholars could now be informed with the most up-to-date publications in a specific field, and use other scholars' ideas for reference now. According to these scholars, the four-year brick-and-mortar residential college fail to teach the students to make a living. Colleges should be a place for people to learn how to make a living instead of a place that simply offers 32 semester-long courses. The classrooms in these colleges are inefficient, and people could learn more quickly by themselves. In order to become skillful and professional in a certain area, 32 course are too many. Moreover, work experiences are more important than course work for some of the occupations including high-school teacher and journalist. Next, most academic sources such as technical journals and books are available and searchable online for a price or for free now. Therefore, libraries in the colleges only provide a pleasant surrounding for students to study nowadays. The system of colleagueships, which is the basic for colleges, is fading. With the development of science and technology, the scholars could now contact and communicate with each other using emails and the