I left law school in 1995 with $95,000.00 in debt. Not sure what that is inflation-adjusted. Probably a lot.

Je ne regrette rien, but, I easily could’ve and froma financial planner’s perspective, shouldve, borrowed less. If I did it over, I’d have atteneded a different school and left with 20-30k debt, if that.

Timing is everything. That debt was a good deal at the time for me, in retrospect. It still might be a good deal. It’s just, there’s less room to change direction nowadays. You better be damn sure what you’re doing when you have 250,000 in student debt.

BG, not sure about the “under 45” criteria. You could be 50 and easily work till you’re 80.

My Mom is older than that and stillworks most days.

Indeed, perhaps the debt and the degree would give some individuals a purpose, mission and reason to keep living!