Obtaining a formalized degree that comes with a fancy piece of paper and debt, and no guarantee of FT, secure, permanent employment, is not a wise move no matter how smart we are or how we look at it; trust me on this one, as your author, HonorsRollNerd knows this story all too well. If evidence shows employees making $20k, $75k or even $500k p/year, are still living on credit, pay-check to pay-check, and stockpiling consolidated debt, exactly what the mom & pop generations have been getting out of the system for years, who are we, even as 'Students n Control,' to think we can win playing the same game; better still, why would we?