Service to America avoids student debt

With students returning to college campuses, it is time to consider other ways for them to pay for tuition, books and living expenses. Too often, they resort to borrowing.

Now, student loan forgiveness is spotlighted as the solution when it is only part of the answer. There are other ways.

Student indebtedness is mounting. It is exacerbated by rising “total costs to attend” college (COA). The growth rate exceeds inflation and interest rates on student loans are often higher than on homes. It needs fixing.

In the 1963-1964 academic year, the average annual published cost of “in-state tuition an...