大學教育純屬浪費錢財的10大原因(中)

sting your college fees gives a better return

7.把你的大學學費用來投資會有更好的回報

Americans have always known that it will cost them a lot of money to go to university. Grants are available but costs are not limited to tuition.

美國人都知道上大學需要花很多錢。雖然有補助金，但是需要花的錢並不只侷限於學費。

Students also have to cover the cost of their accommodation, food, books, utilities etc. For 2012-13 these costs were over $22,000 a year for state university rising to over $40,000 for a private course.

學生還必須支付他們的住宿費、伙食費、書本費、水電費等。在2012至2013年間，這些費用一年就超過了22000美元，上州立學校的私人課程所需要的費用甚至超過了40000美元。

College costs have been rising, year on year, faster than inflation and look to continue to do so for some time to come.

大學所需費用一直在上升，同比增長速度比通貨膨脹還要快，並且就目前形勢費用的攀升還將繼續持續一段時間。

Those costs are, quite simply eye watering. You will walk away from a basic state 4 year degree with nearly $90,000 debt and much, much more if you attended a private institution.

這些費用高得讓人難以想象。僅是基本的四年學位學習你就將負債將近90000美元的，而如果你在一個私人機構求學還需要更多更多的錢。

The sobering fact is that college debt repayments are costing the under 30 over $43 billion a year in payments. Is it worth it?

每年大學債務償還要花費了300億到430億，這樣的現實發人深省。這樣值得嗎？

If you are studying a degree that is going to guarantee you a long term high earning job (see below) then yes it may well be.

如果你通過學習獲得的學位能保證你在將來獲得一個長期高薪酬的工作（見下文），那麼可能上大學就是個不錯的選擇。

If, however, you are going to end up overqualified and under employed then it is not worth it.

然而，如果你獲得的高資歷卻在工作中大材小用，那念大學就不值得了。

For many professions you would be better served to start from the ground up and work in your chosen field, earning instead of getting into debt over 4 years.

許多職業你從基層幹起也許會有更好的報酬，同時還可以在你自己選擇的領域工作，這四年你將會賺錢而不是負債。

Alternatively if you or your parents have the money for you to pay for college fees up front think about the return you can get on investing it.

或者若你或你的父母能支付起大學費用，請預先考慮你在學習上的投資能收貨多少回報。

Just investing your $22,000 college fees every year, compounded at 5% for the 4 years you would have been in college mean you would have earned more than $126,000 over that time, not including the money and experience you gained from working in the real world.

僅僅是每年投資22000美元的大學學費，再加上大學四年間你能得到的5%利息，此時你的獲利已超過了126000美元，還不包括你在現實生活中工作所掙到的錢和獲得的經驗。

Age 22 invest this 126,000 at 5% compound and even with no further additions you will have over $1million retirement fund when you are 65. Of course in that time you will have earned more in your day job.

22歲時投資這126000美元加上5%的利息，沒有其他任何外來收入，你將會在你65歲退休時擁有一百多萬美元。當然，到那個時候你已經在日常工作中掙得了更多錢。

ege degrees rarely provide a decent level of education

6.大學教育很少能擔得起文憑的份量

You have already seen, in this article, although more people are going to college than ever before and paying more money for the privilege the high numbers of people attending college make these degrees worth less in the real world than those of our parents.

閱讀到這裏你可能已經發現了，儘管越來越多的學生選擇接受大學教育，花更多的錢來享受一些特權，但大學生數量之多讓如今的大學文憑比起我們父母時代的文憑要掉價得多。

Not only do the degrees grant less competitive edge but they are lower in quality and require less academic rigor to complete. American degrees are, quite simply, suffering from grade inflation. Research has shown that less than 5% of the higher education institutions in the Unites States require their students to gain an understanding of economics.

大學文憑不僅缺少了競爭力，而且含金量也有所下降，畢業時要求的學術能力也沒以前高了。美國的文憑因爲高校擴招而變得很容易獲得。調查發現，只有不到5%的美國高等教育機構要求學生了解最基本的經濟學知識。

43% of American college students did not show any improvement in learning over 2 years in college and a shocking 36% of students showed no progress over their entire 4 year course, probably because 35% of students in American universities spend less than 5 hours a week studying.

43%的美國大學生經過了兩年的大學生活學習上卻沒有一點進步。更有甚者，36%的學生直到畢業也沒有進步！也許是因爲35%的學生每週的學習時間不超過5個小時吧。

No wonder then that 70% of graduates surveyed in 2011 felt they should have used college to prepare for work more effectively.

2011年的統計顯示，70%的大學畢業生都非常後悔沒有好好利用大學時光來爲將來找工作做準備。

If you do want to go to college make sure that you research your course thoroughly. Find out exactly what the requirements are, what you will lean and what the career destinations of previous graduates have been.

如果你確定要上大學，那就好好了解你要學習的課程：這些課程具體有哪些要求、側重於哪些方面、之前的畢業生都有哪些職業方向等等。

A course in zombies or Lady Gaga might sound like a lot of fun but is it worth taking on a mountain of debt or wasting your parents' retirement income?

一門研究殭屍或是Lady Gaga的課也許是有趣一些，但是當你負債累累或是在浪費父母的退休金時上這種課有意義嗎？

Go to college to learn real, solid information, if you want to learn about Klingon get a job and read a book in the evening. You will be better off in the long run.

在大學裏要學一些真正有用的知識，如果你想學克林貢語，可以在找到工作後晚上讀讀書。從長遠的角度來說這對你是有幫助的。

ege is a good place to have fun and do very little (except get into debt)

5.大學是個玩物喪志的地方(除非你債臺高築)

As you have seen in the point above it is possible to go to college and learn absolutely nothing worthwhile.

正如你在前文看到的一樣，大學可以是個讓人一事無成的地方。

It is a chance to party for four years straight, drink a lot, make out, have sex. All these things are good fun but are they worth getting into debt for?

四年來，你的生活裏只有派對、酗酒、裝逼和性。這些都很有趣，但爲了這些陷入債務危機值得嗎？

College is a parallel universe, if you miss a deadline you can usually wrangle an extension.

大學就像是個平行的宇宙，如果你錯過了一次截止日期，通常會獲得另一個延期。

There is very little that actually matters or causes you worry or stress and this absolutely and completely fails to prepare college graduates for the reality of the world at work.

其實生活裏沒多少真正重要的事情讓你去操心、煩悶，這些瑣事只會讓你沒時間去準備畢業後的工作。

In the real working world you can't coast along and then cram your work for the year into an all-night study session.

在真正工作的世界裏，你不可能不勞而獲，你能做的只有在這一年裏整夜整夜地工作和學習。

You go to work from 9-5 (or more accurately 8am-9pm) and if you make a mistake it really matters.

早上9點上班，下午5點下班(實際上工作時間是8點到21點)，這個時候如果犯了錯纔是你真正應該擔心的事情。

Because college life is so easy it is easy for students to fall into bad habits such as binge drinking.

大學生活太輕鬆了以至於很多學生養成了壞習慣，例如酗酒。

These habits can last a lifetime and can lead to persistent alcoholism and contribute to other diseases such as heart disease and high blood pressure.

這些壞習慣會伴隨你的一生，也有可能導致持續性的酒精過敏。其他的疾病也會隨之而來，比如心臟病和高血壓。

graduates fail to find work in their chosen field

4.很多畢業生都找不到專業對口的工作

Over one third of all graduates end up working in fields that do not require a degree. They will often start years behind people of the same age who entered the workforce straight from school.

有三分之一以上的畢業生最終都找了份並沒有學歷要求的工作，因此他們與那些高中畢業後就直接工作的同齡人相比還落後了好幾年。

More than 300,000 of the waitresses that serve you in American restaurants have college degrees as do over 100,000 janitors and nearly 60,000 laborers.

在美國，餐廳裏30萬服務生——比如說在服務你的那位——都有大學學位。此外還有十萬大學生做了門警，將近六萬做了普通的勞工。

All told there are approximately 17 million Americans with college degrees who are under employed.

約有170萬美國大學生待業家中。

These people will not be benefitting from an education premium; instead they have been saddled with 4 years less experience, 4 years lower on the career ladder and a mountain of debt that their earnings just cannot service.

他們並不會因爲受了四年額外的教育而在就業時佔有優勢，反而要因爲缺少四年的工作經驗、在事業之梯上落後了四年以及入不敷出的債務而承受了更多的壓力。

The only benefit to these 17 million attending college was to the institutions they attended and the people employed there. They themselves will see nothing.

對這170萬上過大學的人來說，他們上大學唯一的貢獻就是給學校捐了一筆學費。而他們自己，對此一無所獲。

Even studying a 'premium' degree like law is no guarantee of success.

甚至，學一些“有前途”的專業也同樣未必能獲得成功。

Research in 2012 showed that 44% of law school graduates were either unemployed (over 27% of all law school graduates) or working in jobs that did not require a law degree.

據2012年的一次調查數據顯示，有法學學位的畢業生待業（超過總數的27%）或就職於不需要法學學位的工作的人，加起來有44%。