[jlcummings]

The missing link is insurance or a hedge with buyers/students opting for protection from the schools product or service if not delivered in spirit or letter of its premised promise (aka marriage of warranty/collision-comprehensive). Secondly insurance or hedge against themselves as students/buyers for when life happens or they otherwise screw up delaying, discontinuing, rerouting their pursuit (liability).

The fix for one sided finance is to add a second dimension in an equal and opposite direction.