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Except when you really need the training (e.g. medicine) look at supply vs demand. High demand jobs will pay a lot and cant require this and that degrees. Low demand high supply jobs can require both a lot of degrees and pay less. The relationship is inverse (few exceptions).
I bet I could become a serviceable doctor and even a surgeon with 6 months of apprenticeship. I like your second paragraph a lot. Sounds like the government should get the fuck out of the student loan business then. Would fix the problem.
Yes and we should not pretend college and jobs are related. This is so ingrained in our culture, I assumed for a long time the relationship between education and salary was linear. In tech at least we have bootcamps and lambda school.
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