Forgive and Forget: Bankruptcy Reform in the Contest of For-Profit Colleges. David Deming, Claudia Goldin, Lawrence Katz, May 2015, Book Chapter. “Rosalyn Harris was a single mother determined to make life better for herself and her son. Unemployed and without a college degree, Harris believed enrolling in the two-year criminal justice program at the for-profit Everest College was the right step toward the opportunities that higher education would provide. Unfortunately for Harris, that was not the case. Despite Everest’s claims of a 75% job placement rate for students in the criminal justice program, she spent months unsuccessfully applying…” Link