Is a College Degree Worth the Investment

Many people borrow money — a lot of money — to go to college. The typical college student borrows nearly  $30,000 to pay for a college education, and about one of every eight college graduates owes more than $50,000.

Outstanding student loan debt now exceeds $1 trillion.

Part of the reason for the expansion in student loan debt is because college has become very expensive. The average annual tuition, fees, room, and board comes close to $45,000 at private nonprofit institutions and about half that amount at public institutions. Meanwhile, median household income has remained almost flat during this time period, meaning that college costs take up a larger chunk of a family’s budget.

Student debt is now seen as a problem  because the job market for college graduates isn’t strong. Recent college graduates with a bachelor’s degree or higher faced an unemployment rate of about 6 % in early 2013 compared to 4 % in 2007. The numbers are worse for young adults without a college degree! One of every five recent college graduates is working in a low-wage, non-career oriented job, such as bartender, food server and cashier.

In a recent survey conducted for the American Action Forum by Public Opinion Strategies found that 52 % of respondents said that a four-year college degree wasn’t worth the $26,000 debt burden they’d carry with them to their first job.
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College Degree Choices

You are in the last half of high school or just beginning college with the core curriculum. How do you choose what subject you want to major in?

Most students will approach this question from an emotional standpoint. What do they like doing? What are they passionate about? or what have they dreamt of becoming all of their lives?

Beyond these questions, it is only smart to look at where current jobs are available. After all, choosing a profession that is not in demand is not the smart thing to do. Additionally, choosing a profession that is predicted to die out is only going to require a person to have to get retrained in he future for a career that actually has solid jobs.

The bachelor degrees worth pursuing in these times are quite varied. The good degrees could end one up in a doctor’s office or hospital, a classroom, a bank or financial institution or elsewhere.
The following areas of study have the lowest unemployment rates and therefore would offer a good chance of employment after graduation.
Top Five Degrees

Nursing Degree
Elementary Education Degree
Finance Degree
Marketing Degree
Business Management & Administration

Based on current unemployment rates one would advise students not to pursue the following degrees due to the difficulty of finding employment in their chosen field.
Top Degrees To Avoid

Degree in Information Technology
Degree in Architecture
Degree in Anthropology
Degree in Film, Video, Photography
Political Science Degree

So it is important when you are choosing your major in college or university that you choose a profession that will be in demand when you finish your degree.  Further education is a huge commitment in time and money. Make it count!

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The College Dilemma

A college degree once all but guaranteed a well-paying job and higher earnings than high school graduates. But fewer of these good jobs are now available thanks to the long-term economic changes and the effects of the last recession.

People with college and advanced degrees are working jobs that don’t require them, whether by choice or necessity. That in turn pushes people without college degrees out of those jobs.

The number of college graduates has grown much faster than the number of jobs that require high-level education skills. As more college graduates flood the market, supply outweighs demand and employers are able to offer lower wages.

Because college is so expensive, many students are facing a dilemma: If they go to college, they still might not get a job that requires a college degree, and they’ll be on the hook for big student loan payments. But if they don’t go to college, they might be pushed out of entry-level jobs by overqualified college graduates who can’t find other work.

Under the current economic climate high school graduates should not only be asking themselves if they can afford to go to college but also if they can afford not to?

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UK To Test GPA Model

A pilot scheme to change the way students' degrees are graded will be tested by more than 20 UK universities.

Grades would be divided into 13 levels of classification, ranging from A+ to F, based on average point scores. The grade point average (GPA) model is already used by US institutions, said the Higher Education Academy (HEA) group, which is running the scheme.

The Higher Education Academy (HEA) which is running the project, will select 20 to 25 higher education providers in the UK to take part. Students would receive a traditional honours degree grade alongside the new mark. This new system could eventually replace the current way of classifying academic achievement.

The results of this pilot project, expected to be published in fall of 2014, could possibly lead to a uniform GPA system in the UK.

The new system would provide students with a more effective assessment and feedback of their work and would make it easier to compare degree grades on an international level.

A student awarded a first class degree under the current system would receive either an A+, A or A- under the GPA model.

The HEA has yet to identify which universities will be taking part in the study.

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Paying for Your Child’s College Education

The cost of a post-secondary education is a hot topic. Tuition fees continue to rise, and student debts are crippling new grads. The big question is, who should pay for school? Should parents do their best to cover their kids’ educations? There are two schools of thought. Firstly, if your child has to pay for higher education then they will work harder and be more fiscally responsible. However they may start their adult life thousands of dollars in debt which will take them a long time to pay off. Secondly, if parents pay for higher education it is a gift. The cost of an undergraduate degree is approximately $80,000 – a huge gift!! As a parent you want to give your child the best start in life you can afford. Enabling them to get an education and start their adult life debt free is the best start you can give them.
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Tips For Getting A Degree Abroad

Depending on what school you choose, study abroad can help save on tuition. But, while tuition and fees may be the biggest component to the cost of a , it’s far from the only one, says Whalen. “What’s important for students to …
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