If the economy is seen from the prospective of a marketplace with demand-to-supply balance, the over-expansion and over-capitalization of one section of this market (exampled by the pre 2007-9 recession’s real estate), which overcapitalization could not be dispersed or balanced by other sections, which are by themselves in a slow-growth market environment, would necessary create a state of negative effect over this market’s balance. (confirmed by the conditional beta-convergence theory of market steadiness, which limits rapid expansion and growth in a developed economy). The exacerbated Collage Loans in terms of overcapitalization and the inability for repayment may tip-off the US economy/market, which is in condition of modest growth and high unemployment into a deeper than 2007-9 recession. Then, under these new market imbalance, the government will act similarly to the 2007-9 recession with counter measures of monetary easing and stimulus packages, fiscal policies and wealth distribution, however, the still high unemployment and lower economic/market growth will delude the effectiveness of these measures, and finally, it will prompt much deeper changes in policies and even economic structures. The final trend, resulted of the governmental interference, could go in two different directions, first – toward more socialization to ensure wealth distribution that would help the market balance, which by itself would have limited effect on the economy having in mind the governmental ineptness to run business activity, or second – toward micro and macro economic changes that would increase small and medium businesses and investors’ competitiveness and boost the economy overall, which, I consider, the only proper approach with longer lasting positive effect on the economy.

However, there is no need for waiting a new major economic turmoil to press the government for implementing micro- macro economic changes, when these (changes) could be done as prevention, and thus economic turmoil is avoided, in the first place. Not relying on the cyclical self adjusting theory of the trickle-down Capitalism, but by taking proactive approach based on Quantum Economics of randomly used parameters that conceptualize on the possible micro and macro economic/market changes resulting in empowerment and enhancement of the small and medium businesses and investors’ market share and competitiveness, hence prompting business activities and raising the overall market security, which would

• permit lower interest rate lending to these small and medium businesses and investors;

• enhance the status of social and infrastructure expenses to partially becoming equity;

• increase employment;

• diversify noise in 1=f noise from currently used productivity into variety of economic/market agents and tools.

If appropriate prompt action is not taken to localize and change the obstacles toward enhancing and managing relatively fair economic/market competition locally as well globally, because of the international connectivity, there are high possibilities the Exacerbated College Loans’ effect on the economy/market to bring a new most powerful recession