Though nobody is quite certain, it looks as though the Hartle-Hawking wave function may behave rather like Dr Page's model.

ECONOMIST: The universe, it appears, may not be alone

Hartle said this change could be seen as desirable, prompting graduate and professional school students to think more carefully about the costs of their education.

FORBES: Student Loan Rates To Remain Low, For Now

The only way the Hartle-Hawking wave function can explain an expanding universe with a reasonable probability is if the many-worlds picture is the right one.

ECONOMIST: The universe, it appears, may not be alone

This is an as yet speculative and incomplete proposal made by James Hartle, of the University of California, Santa Barbara, and Stephen Hawking, of Cambridge University.

ECONOMIST: The universe, it appears, may not be alone

Student loan interest rates have historically risen and fallen, but moving from 3.4 to 6.8 percent in a single year would be a dramatic jump, said Terry Hartle, senior vice president at the American Council on Education.

FORBES: Student Loan Rates To Remain Low, For Now