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Look at what you're able to write about and do with your education. I think those of us who've really benefitted from our education should be careful about it dismissing it wholesale.
But I definitely think that mainstream culture overhypes university education
Ever see Operation Varsity Blues?
Careful attributing causality there. We don't have a control denlillaapan that didn't go to uni
education arms race but also a social status arms race
I only paid for some of my undergrad, but I went to an inexpensive school and had a partial scholarship. After that I took classes that my job paid for and got paid a stipend during my PhD.
Even so, I bet my return is only slightly positive, because that's a lot of foregone wages and work experience.
That's always the bigger problem—the counterfactual of what you could have/would have earned working instead.
Opportunity costs are one hell of a perspective
Of course, that was purely the financial return. Since I only ever studied what interested me, enjoyed the college experience, and never worried about grades or anything, the real returns are almost definitely positive.
Like with mortgages (owning vs renting etc), funding/financing matters.
I was able to attend elite universities (#847595) while shorting a depreciating shithole currency at cheap, manageable rates and repayments.
Don't wanna brag and say I was at the top of my class (though, I verifiably was for some classes in my undergrad!), but basically regardless of the benefit side, I suspect that I can make the calculation work on the financing side.