Key technology leaders are striving to increase access to education through low-cost or free peer-to-peer and open-source models.

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That isn't a good reason to borrow for a wedding or vacation, but it might make sense for those who borrow judiciously for something that is an investment, such as a house, education or eliminating high-cost debt to free up more savings.

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Others, such as James Tooley, a British academic who advises a chain of low-cost for-profit schools in India, say private-sector education in poor countries routinely outperforms the free, taxpayer-subsidised version.

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No one says that these education programs should be free (though come to think of it the delivery of education can be done pretty much at no cost), but at least give these people a chance.

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