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this post was submitted on 30 Jul 2023
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Maybe you're right. I admit I'm a bit naive on some of the economic implications.
I feel like allowing bankruptcy would punish the dumb borrowers somewhat, but NOT punish them with crippling debt for life, as is currently the case. It would also punish loaners (including the government) for lending money to people for fairly useless degrees who would never be able to pay them back.
I would argue though that the borrowers were not dumb. An entire generation of people told them "you have to do whatever it takes to go to college so you can get a good job" - that was a lie, and the people who told the lie should be the ones punished. The kids who trusted their parents, teachers, and government about this didn't do anything wrong.
Good point.
It just mattered what degree you are going for. Too many people took that as, "Let me just get an easy degree and the money will roll in."
The data simply does not support that hypothesis.
The majority of degrees are in valuable and complex fields, the meme of everyone getting degrees in underwater basket weaving are not based in reality.
Couple things. Business degrees are a wide range. Some are the easy way out, the whole "I only want to work for myself mentality" . Social sciences are a dump stat. Really shows why people are having so many issues finding an actual career. For the rest, the graph doesn't break down into what it entails. There is a lot of degree subsets that aren't worth it at the end of the day. Trust me you can break down just engineering into hundreds of categorizes that are stepping stones for something better. Try harder.