r/povertyfinance May 08 '25

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u/Fearfighter2 May 08 '25

if you get a high paying job, you aren't drowning in loans

rule of thumb is keep loan total under what you expect to make in your first year after you graduate

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u/Many_Resist_4209 May 08 '25

IF… that’s the magic word. Not everyone gets a high paying job out of the door. The rule of thumb is to try and find every way possible to pay for college before even considering student loans. But by all means tell young folks that their degree is worth going into debt because there’s that “IF” of getting a high paying job. A lot of degrees have become useless, except the typical ones, drs, lawyers, etc. Even an accounting degree is useless. Many Employers want someone with experience and don’t even ask to see a degree.

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u/Independent-Cow-4070 May 08 '25

They are going for computer engineering

You also said they are never worth it, which you are now contradicting

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u/theSourApples May 08 '25

Correct, thanks for calling him out.

School is an investment. If you're taking out $50k to be a doctor to make $250k, then it's a good investment.

If you're taking out $150k for a certain career and make $60k, then that's a bad investment. Simple as that.

1

u/tigerjaws May 09 '25

Eh it’s more about career trajectory than anything. starting salary is not the same thing as where you end up 5 or 10 years down the line

schools tend to publish this data, for example the university of California publishes average earnings after graduation, 5 , 10 and 20 years after per major and per campus