There's lots in here that I don't explain fully, but one thing I wanted to talk about more is why I think that online school is definitionally less valuable than in-person school. First, this is tendencies, there maybe some portion of the population for whom it is better, but in-person is easier to capture and keep attention, easier to receive non-verbal feedback from a class, easier for classmates to build relationships and thus help each other (with classwork and with life stuff...and also sometimes for the rest of their lives.) But I think it's also been made fairly clear (at least in the way schools spend money) that a great deal of the value delivered by college is outside of the classroom. The college experience is valuable, and that's a LOT of what people are paying for. I think it's safe to say that, if you're mostly paying for streaming video, $50,000 is too much.