The article begins with a brief review of the overall cost and learning problem confronted in the United States and the relative cost and learning impacts on the nation, moving then to a demonstration of the impact via results from an undergraduate "Legal Studies in Business" course, a key requirement in virtually every school of business baccalaureate degree program. To demonstrate the student learning and intrinsic learning losses from unexcused class absences (UA) the article presents a microanalysis of course embedded measures of one hundred students. The article then provides background on the Family Educational Rights and Privacy Act (FERPA) and the changed public and judicial view on the limits of the fundamental rights of individuals aged eighteen to twenty-one in determining an acceptable Age of Responsibility. The article concludes with the recommended solution, modification of FERPA privacy from an age threshold to a payer threshold.