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College. The learning is fine, the cost is freaking out of hand. I never went and have no regrets. My daughter is going now and I feel like I'm supporting a scam.
Anything you take out loans for is a scam. I doubt the cost of houses or college would be anything like it is today if people weren't enabled to pay it by banks.
In Australia you get a loan for university, but the loan is an interest-free loan with the government (it's just indexed for inflation once per year), you don't have to pay it off until you're earning over around AU$55k/year, and the government heavily subsidises the cost for citizens and permanent residents.
Or Europe, where it's completely free.
Definitely not true in all of Europe. We pay in the Netherlands. In fact, I decided to go to school here since I never got to in the US, and found out I can't even take out a student loan because I'm over 35.
Don't even get me started on the STAP budget!
I'm glad my country has quality public universities free of charge.
Depends on the degree. Internet made colleges much more obsolete than what society care to admit. This is an oversimplification of course. Education is a complex subject.