It’s the cover story—and it’s not pretty.

Desperate for cash, Harvard Management went to outside money managers begging for a return of money it had expected to keep parked away for a long time. It tried to sell off illiquid stakes in private equity partnerships but couldn’t get a decent price. It unloaded two-thirds of a $2.9 billion stock portfolio into a falling market. And now, in the last phase of the cash-raising panic, the university is borrowing money, much like a homeowner who takes out a second mortgage in order to pay off credit card bills. Since December Harvard has raised $2.5 billion by selling IOUs in the bond market. Roughly a third of these Harvard bonds are tax exempt and carry interest rates of 3.2% to 5.8%. The rest are taxable, with rates of 5% to 6.5%.

It doesn’t feel good to be borrowing at 6% while holding assets with negative returns….

And more explicitly than other articles, Forbes suggests that Larry Summers cost the university billions of dollars.

(And no, that’s not a reference to his severance package.)

The bad bet on interest rates-a swap in which Harvard was paying a high fixed interest rate and collecting a low short-term rate-goes back to a mandate from former Harvard president Lawrence Summers.

The bottom line: Harvard is in financial crisis.