We choose (or let a child choose) a college for all of the wrong reasons. We don't look at it as the financial decision it really is. We or our children choose a college based on soft issues such as, my friends are going there (i.e. I have people I know to drink with), it is a pretty campus (it will be fun to play tag football on the Quad), they have a great sports program (not that I play sports, I just want to go to the football or basketball games), or they offer a program I want to take (different than a program I can use to get a job).
We spend more time researching a big screen t.v., car, or a house. We wouldn't make any of those purchases without first deciding if we could afford it. Then, we want to see how we can get the most for our buck. We look for a sale, discount or a rebate with these purchase, why don't we do the same for college?
The bottom line is, selecting a college and a major is a financial decision. Can I get a good return on my investment? Will I have a better job, with better income potential with my education. If I have to borrow to get the education, will I be able to pay back the loan?
I believe that in todays world, you need some advanced training or skill to get a good job, but not necessarily a college education. If you want a career that requires a college education, look for ways to get a good education without spending a fortune. Community colleges and state schools can be a great place to start.
It depends on the student. If the student is willing to attend classes and put in the time and effort to learn, then definitely yes. But for others, a better investment might involve learning a trade.
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