Money
Is It Time To Stop Encouraging Kids To Go To College? Experts Weigh In

Is College Still Worth It?
In today’s rapidly changing world, the value of a college degree is increasingly being called into question. With rising tuition costs, the fear of student debt, and the uncertainty of career prospects, many are left wondering if the traditional path of higher education is still worth the investment. While college has long been seen as a ticket to better opportunities and higher earnings, the reality is more nuanced. For some, the return on investment (ROI) of a degree is overwhelmingly positive, but for others, it may not make financial sense. The decision to attend college should be made with careful consideration of the potential ROI, the chosen field of study, and the individual’s strengths and interests.
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When College Doesn’t Make Sense
Not all college degrees are created equal, and some may leave graduates struggling to justify the cost. According to a 2024 study by the Foundation for Research on Equal Opportunity (FREOPP), certain degrees have a negative ROI. For example, two-year liberal arts degrees often fail to provide any financial benefit, while nearly 23% of bachelor’s degree programs and almost half of master’s degree programs also fall into this category. Additionally, the cost of attending college varies significantly depending on the institution. Public in-state schools are often the most affordable, with average tuition and fees around $11,610 per year, while private schools can cost upwards of $43,350 annually. These stark differences highlight the importance of carefully selecting a degree program and institution that aligns with one’s career goals and financial capacity.
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Making College Work for You
For those who do decide to pursue higher education, it’s crucial to approach the decision strategically. Christopher Rim of Command Education emphasizes that a bachelor’s degree can still be a powerful tool for upward mobility and financial stability, but not all degrees or institutions offer the same ROI. Families should consider their student’s strengths, learning preferences, and career aspirations when choosing a path. While some students thrive in traditional academic settings, others may find success through alternative routes like trade schools, apprenticeships, or industry-specific certifications. Rim encourages families to explore these options, especially for students who may struggle with conventional education models.
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The Case for College: Long-Term Benefits
Despite the challenges, college can still be a valuable investment for many students. College consultant Tom O’Hare argues that higher education is worth it when it aligns with a student’s realistic goals, expectations, and abilities. Beyond the financial benefits, college provides opportunities for personal growth, critical thinking, and networking. These skills are becoming increasingly important as AI reshapes the job market, according to Mike Andelbradt, Director of Admission at John Carroll University. He believes that the ability to analyze information, solve complex problems, and adapt to change will be essential for future professionals.
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The Financial and Personal Rewards of College
The financial rewards of a college degree are well-documented. Judy D. Olian, President of Quinnipiac University, cites a Georgetown University study showing that college graduates earn a median of $2.8 million over their lifetimes, compared to $1.6 million for high school graduates, even after accounting for college costs. Beyond the financial benefits, college also fosters personal growth, provides greater job security during economic downturns, and offers invaluable professional networks. Olian emphasizes that the long-term return on investment extends far beyond the years spent in college, often spanning 40 to 60 years.
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The Bottom Line: It Depends
Ultimately, whether college is “worth it” depends on the individual circumstances of the student and their family. For those who choose a degree with a strong ROI and attend an affordable institution, college can be a wise and rewarding investment. However, for those pursuing degrees with a negative ROI or attending expensive schools without a clear plan, the numbers may not add up. Families should carefully weigh the potential benefits against the costs and consider alternative paths such as trade schools or certifications for students who may not thrive in a traditional college environment. The decision to attend college should be a thoughtful and personalized one, tailored to the unique goals and strengths of each individual.
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