You chances of being miserable out of poverty would be way more though, if you’re not already well-endowed. You may not want so much to maximise your earnings, but you definitely don’t want to get stuck in a poverty cycle because of having an expensive non-marketable degree.

I should add at this point I’m English. Student loans work a lot differently here, they’re written off completely if you’ve not paid them back after a certain age. You also don’t start paying them until you begin earning a certain amount.

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