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大学学位物有所值?40%的人表示不值。----来源于The Motley Fool

Is College Worth the Cost? 40% Say No. -- The Motley Fool
大学学位物有所值?40%的人表示不值。----来源于The Motley Fool
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2019-08-15 22:14
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大学学位物有所值?40%的人表示不值。----来源于The Motley Fool

Getting a degree will pay off -- but maybe not enough to take on huge debt to pay for one.

拿到学位将获得回报 - 但也许不足以承担巨额债务去支付该学位的花费。

Daniel B. Kline

The cost of college has steadily risen over the past decade. It's increased by $7,000 to $34,740 at a four-year private school -- and that's just for tuition and fees -- according to data from the College Board. A state school will cost less, about $10,000 a year for tuition and fees, but that's still a substantial amount of money.

过去的十年里,大学的费用一直稳步上升。美国大学理事会(CollegeBoard)的数据显示:四年制私立学校的学费上涨了7000美元,高达34740美元--这只是学杂费。公立学校的学费相对较低,每年约1万美元,但这仍是一大笔钱。

Earning a four-year degree, however, does bring you higher  . A person with a bachelor's degree earns an average of $57,026 per year, according to a 2018 Motley Fool article. That's a lot more than the average $34,197 that someone who's only graduated from high school earns.

然而,获得一个四年制的学位确实能给您带来更高的赚钱能力。一篇于2018年发布在Motley Fool上的文章显示:拥有学士学位的人平均每年挣57026美元。这比高中毕业生的平均年薪34197美元要高得多。

That's a huge difference, and the good news is that it's possible to earn a bachelor's degree without spending big bucks. That might be an idea worth pursuing if you look at the results of a recent survey from Freedom Financial, which shows that a surprising number of graduates regret they took on debt to earn their degree.

两者的差异显著。好消息是,获取学士学位有可能不用花大笔的钱。如果你看看自由金融公司(Freedom Financial)最近的一项调查结果,就会发现这或许是一个值得一试的想法。该调查显示,相当多的毕业生后悔当初为了获得学位而负债累累。

Students in robes throw their hats in the air.

It's harder to celebrate when you have crushing student loan debt. Image source: Getty Images.

当您背负沉重的学生贷款时,就很难愉快的庆祝毕业了。图片来源:Getty Image。

Is college worth it?

上大学值得吗?

Many Americans, just under 40%, believe that their college degree was not worth the cost. That includes 25% who feel that way and 14% who strongly do. Only 22% of the just over 2,008 adults surveyed felt strongly that their degree was worth, it while 39% agreed that their four-year degree was worth the cost.

不到40%的美国人认为他们的大学学位不值其花费。其中,25%的人有这种感觉,14%的人感觉强烈。在接受调查的2008名成年人中,只有22%的人强烈认为自己的学位物有所值,39%的人认为他们的四年制学位值得花这么多钱。

More people are satisfied with the value of their investment in education than aren't, but enough people aren't that it should give us pause. Clearly, there's a huge value in getting a degree, but how much you spend to get to that end goal matters a lot.

对教育投资的价值感到满意的人比不满意的人更多,但有足够多的人不满意,这应该让我们停下来。显然,拿到学位是有巨大价值的,但花多少钱才能达到这个目标是很重要的。

College can be a value if you make careful choices. It can be a financial burden that follows you for your entire life if you don't.

如果您谨慎地选择,那么上大学会很有价值。否则,您一生都会背负经济负担。

A chart shows how many people regret the cost of their college degree.

Image source: Freedom Financial.

图片来源:自由金融公司(FreedomFinancial)

What can you do?

您能做什么呢 ?

When picking a college, it's important to consider your return on investment. If you intend to go into certain high-paying professions -- lawyer, doctor, engineer, and a few others -- your career prospects, as well as your income potential, may be enhanced by going to a pricier top-tier school.

选择大学时,考虑您的投资回报是很重要的。如果您打算从事一些高薪职业--律师、医生、工程师等---进入一所价格更高的顶级学校,您将可能拥有更为广阔的职业前景,也可能更具收入潜力。

In most cases, though, that won't be worth it, and you should look for cheaper alternatives. State schools are a smart choice. It's also possible to spend two years at a   before transferring to a four-year college.

然而,大多数情况下,这是不值得的。您应该寻找更便宜的替代方案。公立学校就是一个明智的选择。转到四年制大学之前,在社区学院学习两年也是可能的。

Some companies have also begun offering tuition reimbursement or even free college for employees. These programs may not give you access to the priciest schools, but they will give you a chance to earn a degree on someone else's dime.

一些公司也开始报销员工的学费,甚至向员工提供免费上大学的项目。这些项目可能不会让您进入最昂贵的学校学习,但它们会给您一个用别人的钱获得学位的机会。

In the end, that may be much more valuable than the   you get going to high-priced colleges. In many professions, you need a degree, but very few care where that degree came from. Make smart choices, and you'll be able to start your career with little debt or even debt free, and that allows you a lot more freedom when it comes to deciding what jobs to take.

最终,这可能比您进入昂贵的大学所获得的威望/债务组合有价值得多。在许多职业中,您需要一个学位,但很少有人关心那个学位从何而来。做出明智的选择,您将能以很少的债务甚至是零债务开始职业生涯。这让您在决定做什么工作时拥有更多自由。

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