What we really need now:
1) 1 year koilel – almost universal with focus on practical halacha. Meant as preparation for family and career life al pi Torah. Parents should never feel obligated to provide support past this point.
2) 5 year koilel – by exam only, preparation for serious rabbonus positions. Supported mainly by community, although one can guess that a bochur who is on this path may be top marriage material for a privileged family that wants to and can support a talmid chochom.
3) 10+ year koilel – very tough qualifications for our future poiskim. Perhaps 10-30 yungerleit throughout the WORLD should qualify for this each year. Ditto for 5 year re support.
Otherwise, there is too much of a temptation to wind up in:
4) Federal Koilel – to teach a lesson to those who take shortcuts and break laws while putting on a frum facade. Some yingerleit in this koilel ended up there because of financial pressure to live well and support children for long periods of time.