I’m very excited to present my first video update! Using many visuals, I explain the basic problem and the loan caps, along with how the schools are doing and what the 2027 Earnings Test will bring. I hope to do a video update every three months as a way to collect all my thoughts and to make the content accessible to more people.
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Transcript
Here's the Problem (Video Explainer)!
Ryan explains the problem, the loan caps, the schools, and the Earnings Test.
Jan 13, 2026










