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In 2016, 63 percent of 18- to 29-year-olds who had completed a bachelor’s degree borrowed money to finance their education, the Federal Reserve Board found. It’s also no wonder that so many students think the cost is worth it: Young adults ages 25–34 who worked full time, year round, had median earnings of just ,500 with only a high school degree in 2015, but of ,000 with a bachelor’s degree.
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For example, you might need to live with your parents or live with roommates when you’d prefer to live alone; you might have to live in a less-nice apartment in a less-than-ideal part of town; you might have trouble saving up to buy a home; and you’ll need to earn more to make ends meet, which might mean you have to emphasize earning a certain salary over finding the ideal fit in your job search.Having to borrow might also mean that you make the more responsible choice – the in-state school where tuition is low – as opposed to the potentially irresponsible one, the private liberal arts college where tuition, room, board and other fees amount to is ,000 a year.
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