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Understand the mechanisms behind the crisis.

Short, accessible explainers designed to produce the “I hadn’t realised that” moment — without reproducing the book.

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Where the money comes from

A university has several income streams, and each arrives with different restrictions, risks and costs.

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Why teaching loses money

A high sticker price does not guarantee that the fee covers the cost of providing a degree.

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Why research loses money

Winning more research funding can enlarge the gap an institution must cover from somewhere else.

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The international student cross-subsidy

International fees became a crucial source of unrestricted income across the university system.

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Growth, buildings and debt

Expansion created capacity and opportunity while also increasing fixed costs and financial exposure.

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Regulation and the quasi-market

Universities compete intensely, but they cannot use many of the tools available to ordinary firms.

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Why collaboration is difficult

Shared services and mergers sound obvious, but the system often makes them slow, risky and unattractive.

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What happens when a university fails

Universities can run out of cash, but there is no simple, well-tested route through institutional failure.

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Who caused the crisis?

Responsibility is distributed across policy choices, regulators, governing bodies and institutional strategies.

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What would fix it?

Sustainable reform must address the linked problems of funding, incentives, regulation, collaboration and failure.

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