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https://internationalcapitalmarkets.org/2019/10/27/%f0%9f%94%bamore-than-an-education-system-misallocation-of-human-capital-top-down-bottoms-up-disconnect-between-human-allocation-tools-provided-vs-needed-build-up-of-student-debt/
🔺More than an Education System, Misallocation of Human Capital, Top-Down/Bottoms-Up Disconnect between Human Allocation/Tools Provided vs. Needed & Build-Up of Student Debt