Students are facing mounting problems with students loans and credit card debt, according to a state Public Interest Research Group. The research study found that 37 percent of public college graduates and 55 percent of private graduates face an "unmanageable debt burden" if they were to enter the field of social work. Meanwhile, 29 percent would have "unmanageable debt burden" that would keep them out of eaching with 47 percent of private graduates kept out. Rising tuitions are keeping students out of socially valuable careers.

Contrary to many public beliefs, education may end up costing more than its worth. The perception is that loan debt is good as long as it is going towards education because that trumps everything. The ends does not justify the means, however, when your earnings potential when you graduate is a mere $20,000 when you graduate with $100,000 in student loans. Worse, there is nothing that can be done once you have already graduated and have made this realization. The problem gets much worse as students begin rolling their credit card spending into student loans and starting over. In the end, it is important for everyone to consider what is really important before acting.