You have to take risk and reward into consideration. Going $200k in educational debt and coming out with a job that pays less than $80k doesn't necessarily make sense. This is the big problem with Obamacare - people are not going to go to med/AA/CRNA/etc. school and pile up mountains of debt if they can't get a decent income that not only makes it possible for them to pay off their debt in a reasonable amount of time, but have a good standard of living considering the time, effort, and expense it took to get there.
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