The theme of the J Term this year is financial aid, and we continue that by bringing you the extended interview with Ryan Gebler, Director of Financial Aid at Lawrence University in Appleton, Wisconsin.  In addition to the great conversation we dropped a few months ago, we also discuss the seeming shift in perspective where students in the "financial aid donut hole" used to be a pressing topic of conversation in a way that is not true now.  We also go all in on answering the question of whose responsibility is it to change the story: state and federal governments, families, or individual institutions.