Or a recession could cause state budgets to go into crisis, with budget cuts hitting state universities hard (forcing tuition increases and/or FA cuts) resulting in higher cost and debt for students, as well as more difficult admissions due to reducing capacity by cutting adjuncts who can no longer be afforded to be hired. And the community colleges will be overflowing for the same reasons, as well as additional people who lost their jobs and are trying to retrain for some other job.