The financial crisis of 2008 has forced many private and publiccolleges and universities to raise their tuition costs for futureacademic years. Several endowments have been partially orcompletely wiped out due to the Stock Market crash, during whichthe Dow Jones Industrial Average declined by six thousand points.Raising tuition costs has contributed to speculation about a bubblein higher education, and whether that bubble will burst.Parents and students worried about paying for college canbreathe a little easier, however, since there are ways of avoidinghaving to pay for increased tuition costs. Dozens of colleges nowoffer payment plans in which the school locks the price of tuitionfor the four years that the student is enrolled. These truth intuition programs often end up increasing price