You don’t lose your humanity when you use AI — unless you lie about it.

"The Perfect Storm" investigates how decades of political disinvestment, financial industry capture, cultural myths, and university spending created America's student debt crisis. Combining historical analysis, economic data, and cultural critique, this paper reveals that the burden facing today’s borrowers is no accident — it is the direct result of systemic choices. True reform requires confronting the full architecture of collapse, not just offering partial solutions.

Over the past fifty years, inconsistent immigration enforcement has fueled a growing crisis. This paper traces political decisions from 1975 to 2025 and models three futures through 2075: Biden-era continuation, Obama/Trump enforcement, and the Trump 2025 recovery plan. The findings show today's crisis is the result of political choices—and that America's future depends on what it chooses next.