Thursday, September 15, 2011

6 Benefits of a College Degree

A college degree takes a lot of hard work -- and often costs a lot of money. That kind of investment, however, is one that nearly always pays off.

  1. You'll have higher lifetime earnings. Figures vary from several hundred thousand to a million dollars or more over your lifetime. Regardless of the details, however, you'll have more income.
  2. You'll have knowledge to make more educated choices about everything from mortgage rates, your car loan, retirement plans, and investment options.
  3. You'll have more lucrative career options. The difference in opportunities for someone with a college degree instead of just a high school diploma is quite significant. Add a graduate degree on top of that, and the sky's the limit.
  4. You'll have doors open that may otherwise have been shut. With a college degree often come the training, experience, and networking that are inaccessible to people without experience in higher education. Earning a college degree now will provide you with the ability to at least get your foot in the door of many different -- and lucrative -- opportunities in the future.
  5. You'll experience indirect financial benefits. While having a degree won't automatically improve your credit rating, for example, having a good job that you got because of your degree can increase your credit score.
  6. You'll have access to jobs with better benefits. There's more to any job than just the take-home pay. Better-paying jobs, most of which require a college degree, can also offer better benefits, like retirement matching, health savings accounts, childcare stipends, tuition reimbursement, and commuting costs.

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