They necessarily do not work as much as they might otherwise. Even if we lower the wage opportunity loss to a mere $15k/yr, a 4 year degree falls short by a fac

They necessarily do not work as much as they might otherwise. Even if we lower the wage opportunity loss to a mere $15k/yr, a 4 year degree falls short by a factor of two -- or a cool million dollars over one's lifetime. And that's without factoring in the non-debt costs. Realistically, the gap is much greater.