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RE: The case against going to a 4-year college
Well said. The current educational system in the US is pretty much a scam.
In my case, I made the additional mistake of going to grad school. That decision was probably one of the top 3 worst ideas of my life, because now I have that crippling debt you mentioned, and nobody will hire me because I'm so overqualified for everything.
But… at least I'm able to look back and laugh at myself for the mistakes I made!
I went to grad school also and it was because of the fact that I was not satisfied with the salaries I was eligible for following my bachelors. I often wish how things could have been different if i had just took classes i was interested in instead of ones that were prescribed for me.
I hear you; I took on a lot of prescribed coursework myself. And it ended up being mostly a waste of my time and money. We can't change the past, of course, but we can change our direction in the present, in order to better control the way our future plays out. And we can also make sure to educate our kids on the subject of how the American educational system is designed to make us fail. :)