Given my first career as a financial expert and a second budding “careersion” (that’s career plus passion) as an independent education consultant, I feel compelled to weigh in on Hillary Clinton’s recent “New College Compact” to offer free in-state tuition for public universities for students with family income below $85,000 (graduating to $125,000 in a few years).  Estimates put the plan costs at about $350 billion over 10 years, but we all know that probably underestimates the true costs.  After all we’ll need an entire new agency to manage the program and the lucky students will cry for computer, travel, room and board costs to make this gift a reality – and on and on.  Last I looked at the federal debt clock, it was ticking towards the $20 trillion level but hey what’s another $350 billion right?