PREVIOUS writers have concluded that the educational charges of institutions of higher learning should be increased. I am in sympathy with this idea. My reasons are similar to theirs, but my belief that public as well as private means should be used to meet these increased charges may not be in complete accord with their reasoning. Higher education benefits the individual as well as society in general. Both must share the burden. The effect of increased educational charges on the student (and his family) is going to depend a great deal on who must pay the bill. If it is the student alone, then the effect will be most devastating upon both the individual and the economy. If it is a sharing proposition, which I feel it should and must be, the greatest benefits will accrue with the least deleterious effect on either party. I shall discuss the effect of higher charges on students, but I cannot, with a clear conscience, do so until I point out that increased charges affect as well as students. The potential student does not go to college because of high charges or other factors. The actual student does go and is affected, though differently, by them. High charges can deter students completely from college attendance, or can cause a shift in student populations, unless the colleges and the country as a whole respond adequately to help people meet these increased charges. The loss of potential students because of high charges is a major problem, but beyond the scope of this paper. Suffice it to say that actual students could become potential students unless they are handled with care. There are two groups of college students between which we must first distinguish, in order to gain understanding of the student's problem. The first consists of those who do not now pay all the stated charges for their education. These are the financial-aid holders, representing about 30 per cent of the enrollments of our independent colleges. Few, if any, of the families of these students have incomes in excess of $io,ooo per year. The other group is made up of those who are paying their own way under existing charges. Among the paying customers (70 per cent of the students), a further distinction is necessary. Some of these students come from families where the economic status is no better than that of financial-aid holders. In some instances, it may be worse. Because of high motivation, small family size, extra effort by the student, and pride, and at considerable family sacrifice, these students are going through college without even partial institutional financial support. I estimate that this group constitutes at least 20 per cent of the enrollment of our more expensive institutions. The balance of the paying-customer group, roughly 50 per cent of the total student body, has sufficient family financial strength to meet current charges without institutional help and with only a modest effect on the family's standard of living. Though these three groups are present in all types of institution, the percentages of enrollment which they represent vary considerably between independent institutions and are of marked difference between institutions of public and private support. For example, private women's colleges, in contrast with their male counterparts, will have a greater percentage of paying customers and, of this group, only a very small number will be from the lower income group. In the public institutions we find, first, a much higher percentage of students actually paying the charges without partial institutional support, and, second, a greater relative financial ability to do so without the excessive financial sacrifice that characterizes part of the paying-customer group in the independent colleges. My guess is that about 70 per cent of the students in public institutions, in contrast to 50 per cent in the private ones, can meet existing charges without great sacrifice. Probably fewer than io per cent in these institutions, in contrast to the 20 per cent in private ones, are making what might be termed excessive financial sacrifice under existing pricing. One further comment: though the public institutions con-