• 00:00 🎓 The average student loan debt per borrower is around $39,000, but this doesn't represent what recent graduates owe; it's what remains after payments and interest accrual.
• 00:58 🏫 The discrepancy in average student loan debt ($39,000) versus typical debt for four-year college graduates ($28,000) is largely influenced by graduate school loans.
• 01:58 📉 40% of student loan holders do not obtain a degree, often due to financial strain and academic challenges, particularly impacting Black, Hispanic, and first-generation students.
• 02:28 💸 College costs extend beyond tuition, affecting students' near-term income and family support, contributing to dropout rates and loan delinquency.
• 03:24 🚫 Debt forgiveness disproportionately benefits those who didn't graduate, highlighting systemic issues in higher education and the need for ongoing support beyond loan relief.

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If you are thinking of becoming a therapist or counselor, you may be wondering what the fastest way to enter into either of these professions is. Truth is, there is no fast-track way. You will need at least a master's degree to become a therapist or counselor; however, you will first have to obtain a bachelor's degree which will take about four years. Your master's will take about one to two years to earn. In addition, you will also have to obtain the appropriate licensure that your state requires you…

Interesting idea: Income Share Agreements (ISA). Definitely market driven. Risk/Reward based. Lots of questions about it. Favors jobs that are currently in demand, but since education takes years, the demand may drop by graduation time. My Dad suffered this reality. Nothing is perfect. Also, what about majors that don't have direct job connection? Seems that would narrow the curriculum and leave behind some areas. The diversity of ideas may suffer.

Argues that means testing for free college reinforces the divisions between working class and elite AND that the $100k limit for help for college is too low anyway AND Pete's plan does NOT include trade schools, which again reinforces the working class/elite divisions. Strong points that I need to ponder.

But, Fresno can be a tough sell: It’s hot, flat and among the most polluted metro areas in the U.S. Average rents and home prices are relatively low in a town where a quarter of the population is poor, but the starting teacher salaries are on the low side, as well: about $45,000 a year. Essentially a family-oriented agricultural town, Fresno lacks some of the cultural amenities and nightlife that people in their 20s might want in a city.