Rick is the CEO and founder of Skills Fund, which provides students with funding to attend accelerated learning programs that have been rigorously vetted on the quality of their student outcomes. Previously, Rick founded and worked in multiple education technology companies, including the Acton Foundation, College Portfolio, and Fullbridge. Rick also spent time in the public sector, leading the Colorado Department of Higher Education. Rick talks about the challenges that we face in reforming higher ed, the history and future of accelerated learning programs, and the unsettled debate about whether loans or ISAs are better for students.