A key issue is that many college degrees have no value in the job market.
There are some jobs and careers for which you do need a college education in those fields, such as accounting, nursing, or various science fields.
And if you’re going to be a doctor or a lawyer, you need to go to medical school or law school respectively.
And there are degrees such as degrees in Black studies, or women’s studies, which do not lead to jobs and career paths.
Borrowing money for some of these degrees is a very bad financial decision, because those degrees will not enable you to get better paying jobs and careers to pay back those loans.
Except in the government and education - saw lots of them there..