I'm not sure what side I come down on here, but we most certainly need reform in student loan and debt repayment. At the same time, I don't see a direct correlation between increased access and lowered quality and competition. Someone who cannot afford to access an institution if higher education may well be just as intellectually qualified as someone who can afford it. If anything increased access would automatically equate to increased competition. Quality of graduates would likely increase as long as standards are held the same or raised.