The Big Money shines light on for-profit colleges that take federal money but use far more revenue for recruitment and marketing than for educating their students—a higher education crisis? "As it stands now, for-profit schools are one of the economy’s embarrassments for believers in free markets. They have every incentive to skimp on the costs of education while collecting as much they can in tuition by encouraging students to max out their loans. Making them share the risks of those education loans makes them responsible for their failures. If you want for-profits to deliver a better profit, it’s the natural free-market approach."