investment and credit tensions. >> shouldn't it be what you can learn and use in the work force. student loan debt, sabrina, is more than a billion bucks. >> and our financial system is taking over on the right. i think we have a lot of problems to solve, tuition is one of them and the government is to blame for that. i don't think that learning is a bad thing. liz: do we still need rounded-out liberal arts agree? >> i don't agree, it's fraudulent. although grads do make a lot more money, it's only because they're smart and persistent and going to college doesn't improve those traits. liz: that's interesting, steve. what do you think, colleges and universities are a good investment. >> depends on where you go and what you get and taking a hard look. one of the reason is the cost is