The college affordability crisis is a familiar story to most Americans. A simplified version often goes that state funding for higher-ed institutions has decreased dramatically over the years, which has translated into massive tuition hikes for students and their families. Sandy Baum, a fellow in the Education Policy Program at the Urban Institute, watches the issue—and its proposed solutions—closely. The story usually gets encapsulated into examples of students trapped in hundreds of thousands of dollars of debt. And while this may be the case for some students, Baum notes that it’s not always the full picture.EdSurge talked with Baum about these issues—and about how innovative approaches are or aren’t helping solve the college affordability crisis.