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How is following your dreams associated with the student debt crisis?

I would argue that most people in college are not following their dreams, but rather following a defined path.

The student debt crisis is not equal for all types of degrees; one of the many contributing factors for this is that student loans have (by regulation?) the same conditions for all majors. Some of those majors generally lead to a substantial increase in income that would enable the student to repay the loan, and some do not; some education is an investment into that student's future earning capacity, and some education is just spending that money for an expensive self-improvement hobby.

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