College is supposedly so important, but with high tuition costs only the select few can attend without ending up with numerous amounts of debt. As tuition costs keep rising, less people will be able to afford college. If people do not have the money to go to college, it is really not worth it. Instead of having a steading income because of their degree, they will be paying off numerous amounts of debt in student loans, which will make their lives financially even worse than it was before.
When people think of financial aid, people do not necessarily see it as a bad thing. Financial aid helps people pay for college, so it can be seen as a good thing. It pays for college in the meantime, when people cannot afford it. This depends on what kind of financial aid is being talked about.
According to Johnathan D. Grants are money from the government that do not have to be paid back. Loans, however, have to be paid back to the lender. In the meantime, these seem great, but when graduation comes people are stuck with all this debt to pay back.
This shows that the number of financial aid that universities are giving out is increasing. The more financial aid that is given, the more debt racks up for college students.
The downfall is that when people graduate, they have racked up a large amount of debt that they are going to have to pay off. After graduation, college graduates are thrown into the real world to get a job.
Finding a job right out of college can be very hard, but it is necessary. With so much debt, college graduates are not able to afford anything else with the salary they are making.
This eventually causes problems within the economy. If college graduates have student loans to pay back, they will not benefit the economy with purchases that they would make if they did not have to pay back student loans, like buying cars, houses, and starting a family.
If they are not going out and buying these sorts of things, it is substantially hurting the economy. This causes the economy to basically fall apart. College graduates are normally the ones going out and buying things like this, because they are the newer generation. However, now that graduates have all these student loans to pay back, they cannot go out and benefit the economy with these kinds of purchases. Therefore, college is seemingly overrated due to the fact that financial aid is increasing, which increases student loan debt, leading to an unstable economy.
With rising tuition costs, matters will only get worse. This shows that as the amount of financial aid increases, the tuition costs rise as well. This shows that the system is broken. People cannot win in this situation, when going to college. Their debt is going to increase either way. If a person cannot afford going to college, their choice is to simply not go, or pay off student loans for the rest of their life. This simply shows that the system is getting worse and harder to fix.
It reveals the real life situation with higher education that it is not everything. With the downfalls of rising tuition costs, it is simply not worth it for some people.
Since going to college is in such high demand, people continue to further their education, which also increases their debt even more. The answer is obvious; he or she is working full time. Never underestimate the importance of work experience. While the collegiate is getting a management degree, the freshly minted high schooler becomes an assistant manager and thrives for two years before making manager. When the two of them later apply for the same job, the supervisor making the choice must determine which of the two is the more ready to fill the job.
Will it be the applicant with a piece of paper testifying to a management degree, or the person who already acquired years of management experience? And to add to the disparity, while one of them is racking up debt at college, the other is making money and, if smart, investing it in a Roth IRA.
The only thing many college graduates have after graduation is debt … as well as a much later start on a new car, a home, and a retirement fund. One of the worst things that can happen to a young student is borrowing money on one or more student loans but failing to get a degree.
In fact, learning for the sake of learning is a noble and commendable pursuit. But why must we go to college to learn? I did learn something in College, but I wasted my time in a liberal arts course of study-Speech Communication with an option in General Broadcasting. Yeah, I worked in the field and was not successful.
I am merely an educated working stiff who had the misfortune of getting poked in the rear numerous times by the fickle finger of fate. It is overrated and overpriced. I went to Penn State, graduated and went on to a life filled with adversity, hardship and plain old fashioned failure. Then again, when I was a college kid, I frequently lacked self confidence, which in retrospect cost me dearly throughout the course of my life.
I wasted my time because I did not think I could excel, even though I did graduated and earned a B. It's true, experiences in life delivers more education than a college or university ever could. I think you are on to something, but not with the broad brush you have used to paint the issue. When I completed my degree from a traditional university, as a single Mom , my salary quadrupled yes, increased x4 and today I am a 6-digit earner. The problem today is that people think that college is a magic pill that suddenly makes them super-employable so they are willing to borrow untold sums of money for the degree which too often, as you note, doesn't pan out.
Not all students are going to learn enough to land a good job, even if the school and degree program were good! College is not for everyone. Make the decision wisely, and as someone much wiser than I said many years ago, "know thyself! College is incredibly overrated, and the comments here simply go to show how ignorant people are to the changing times. I currently work for game franchise that has been around for 25 years, and I can tell you that college was the greatest waste of money I've ever squandered.
Unfortunately, it was money that could have been spent to give myself a great jump toward building my studio. I've learned more by networking with other people in my field online and through online research than I did in my 6 years across two colleges.
Every point the author made is absolutely true. This article really makes me feel good. I have a degree in culinary arts and I am certified chef. I graduated before I graduated high school.
This is when the economy was in it's prime. Today, I am not using my degree. I graduated High school on time and I am independently medicine, ophthalmology, economics, practicing to become a certified Pilot AND working as Director of Promotions and 2nd in command in Marketing in an ever-expanding pharmacy, sign company and limo service. Life is good. Get into the work force and make the money.
Isn't that what it all boils down to anyway? I go through resumes. I promise you, if I have 2 people in front of me, one of which graduated top of his class in Marketing but never worked a day in his life, I'd laugh him out of my office. Subsequently, if another applicant stood in front of me and had experience with face to face Marketing and had brilliant ideas and was a natural born leader and had experience, I'd shake his hand and welcome him aboard.
Get out here, get your experience and work, work, work! Who wouldn't want an early retirement, after all? Great hub; however, I elect to disagree on certain points. Yes, there are students who are immature and are not ready for college. Yes, those are the students who usually fail and drop out of college. However, for the mature and motivated student, college is an excellent learning experience which teaches them how to critically think and prepare for a future career. Those students are usually more level headed and mature and approach college education with a high degree of respect.
Furthermore, one must pick an intelligent and suitable, job related major at college. Philosophy and other soft majors do not cut it today in these increasingly postmodern, postindustrialized, computerized society.
It is no one's fault if many college graduates do not obtain the job of their dreams but their own. College is what you make of it. I am glad you wrote this Hub. It is well worth reading the comments as well. Financing your education has to be planned. Here are my thoughts. First of all, let me say: Post Secondary Education is necessary for the growth of our society.
A society that does not educate herself, is doomed for failure. Second, many people do not know why they want to go to college which plays into the mass amount of debt accumulated. People have no plan and often do not complete college. Debt and no Degree is painful -- financially and emotionally. Fourth, if we as people are working only to accummulate stuff -- cars, houses, etc Lastly, I would hope that our main purpose in life is to be contributing human beings to soceity where we make a difference in the lives of our fellow men and women.
It is unlikely that your typical high school grad is going to land a job that could lead to a management position in four years.
Or ever. However, with apprenticeships going the way of the dodo bird and often requiring significant skills and experience when they are available , it is quite unlikely that a typical high school grad is just going to be able to waltz into one of these jobs.
In all likelihood, anyone interested in pursuing one of these careers is going to have to enroll in community college classes. Maybe not a traditional bachelor's degree program. But college nevertheless.
However, pretty much all jobs in such fields as computer programming or web design are going to require a degree of some sort. It doesn't matter if you have learned web design better on your own than you could have at any school out there. If you don't have the degree, you're not hired.
The whole idea that an year old will have a better retirement because they can contribute to, say, a Roth IRA during this time sounds good in theory. However, with the kinds of wages they are likely to be making during this time, they will probably not be putting away much if anything toward retirement. Some of us actually WANT to be things like engineers, doctors, lawyers, teachers, etc.
Without a degree, you just can't do these things. Furthermore, all of these careers play a vital role in society. If high school grads just stopped going into these things, we as a society would have a REAL problem on out hands. Going to college need not be as expensive as suggested here. For instance, going to community college during the first two years can lower expenses significantly, as can going to a state college close to home.
And even if you went to college away from home, it's not like room and board is something you WOULDN'T essentially be paying for if you were just working and living on your own. Now I'm not suggesting by any means that every high school grad should pursue a bachelor's degree.
But to say that every high school grad would have the same or better chances for success WITHOUT postsecondary education is just ludicrous. A bachelor's degree can be VERY helpful for those people who want to enter careers which require a degree.
But for others, a couple of years of learning a trade at a community college such as welding, machining, automotive mechanics, etc is going to result in VASTLY improved opportunities compared to just having a high school diploma. And know so many people in one jewish building they always ask me to work for them. I say no so many times because i dont want to spead myself to thin.. People the only way to break up the scam is to not participate in it.
I knew when i used to ride the subways here in NYC that the college ads sounded like snake oil salesmen. Promising a brighter faster future on the fastest faster track to more success? Think about it. While you were getting your management degree, your buddy started out as a entry level worker, became an assistant manager and hustled for two years before making manager. When you apply for the same job, is the hiring manager going to think you are ready to be a manager just because you have a piece of paper saying you graduated with a management degree, or are they going to go to the guy who already has years of management experience?
While you are racking up debt at college, the high school graduate is making money, and the smart ones are investing it already in a Roth IRA. The only thing the college graduate has after graduation is debt, and a much later start on a new car, a home, and a retirement fund.
What does this really mean? It means that these young adults are going to college and failing to get a degree, but are still amassing a mountain of debt.
Enrolling in college and dropping out takes away any advantage they might otherwise get from working right out of high school and not taking out any student loans. Reason 5: Because skills often matter more than academic degrees.
Why do people go to college? In fact, learning for the sake of learning is a very noble and commendable pursuit. But why do you have to go to college to learn? Anyone who can use the Internet can learn anything from website design to computer programming, to basically any type of study they want. All of this learning takes place at a fraction of the cost.
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