This is where I think the argument goes off the rails. I agree with the idea that all educational opportunities should be analyzed in the context of relative return. I do not agree, however, that undergraduate education is "a commodity." That literally means there is no difference between one unit of an item and another so they can be bought interchangeably. In other words, just order "1 undergraduate education" and it is the same regardless of whether it's at Albertus Magnus or Harvard so best price quote rules. That is, of course, an extreme example, but I could pick any two schools and undergraduate educations (including non-academic criteria like student support services, campus environment, etc.) still wouldn't be interchangeable. Is UConn worth 0% more than Western, 10% more, 20%, 50%? It depends on the student, the program (I'm told Western is very good in the performing arts so, in that case it might be -10%), the family situation and a myriad of factors. That's not a commodity analysis.