When it comes to the student loan debt crisis, government-oriented reforms are not the solution; they are the problem. One free-market solution that could markedly improve higher education financing in Maine and the rest of the country is the establishment of Income Share Agreements (ISAs). ISAs are financial agreements between students and undergraduate institutions that allow students to pay minimum tuition throughout their time in post-secondary education, but then require them to forfeit a small percentage of their income for a number of years after graduation until the debt is repaid. Many believe ISAs will eliminate student debt with burdensome interest…