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When it comes the the worth of further education, for example, my niece who has a PHD and as a result didn't enter the work force until she was 28 has found she could earn more as a dog groomer than in roles suited to her qualifications. She now has a very successful dog grooming business and lots of student debt for which she will see no improvement./opportunities in her chosen field.
Surely you would know the salary scales and timelines in the field of employment you desire versus the cost of entry e.g. obtaining a PHD the loans required with the length of time to pay back. I certainly did and realised getting into the work place without further education minus debt was the way to go.
Have often thought that a simple tax of say 10% on everyone whether you earn 10,000 or 10 billion in salary or investments which requires just one form would create more government revenue with substantially less administrative costs.
