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Uni-really worth the debt?
I just thought I'd ask people who are at uni or have finished uni whether they really think uni is worth the amount it costs. And (bit nosy but hey ho) how much you owe in debt (or think you'll owe). I'm gonna be part of the new set with the variable fees so its gonna cost me even more and I'm wondering whether it will all be worth the years of paying back what I owe...
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Ha. I was put off London cos of its crazy accom. prices!! Then again I'm gonna be in Cheltenham which isn't famed for being cheap either...
I owe all of the student debt and a 1400 OD. So about 13k I think.
Was is worth it? well you get to put off working full time for three years which is a plus...
Job wise I think so many people have degrees that the competition is very stiff - on the other hand every single job i have looked at requires a degree (most of them as trainee accountants)
PS - if i knew what i know now would i do it all again? not sure, as i say most jobs still require a degree but with even higher fees i would certainly think twice.
Was is worth it? well you get to put off working full time for three years which is a plus...
Job wise I think so many people have degrees that the competition is very stiff - on the other hand every single job i have looked at requires a degree (most of them as trainee accountants)
PS - if i knew what i know now would i do it all again? not sure, as i say most jobs still require a degree but with even higher fees i would certainly think twice.
I guess with the degree I'll be doing (PR) the degree might help and I may get a leg up the career ladder and be better placed for getting a good job. Wonder what I'll be thinking in a few years time....
IT depends what you want to do. I left school with a career in mind, did the relevant degree and am about to be starting a well paid job in London, that I enjoy with good prospects. So for me it has been entirely worth it.
It seems a lot of jobs in most sectors would look for graduates though, so it might be worth it to get a good degree under your belt, although for the new fees I'd be inclined to find another route if thats the only reason for going...
Just my opinion though, If you really want to go, its a great experience for three years anyway!
p.s. my debt is 9k in loan, and about 2k OD by the end of the summer when I start my new job
It seems a lot of jobs in most sectors would look for graduates though, so it might be worth it to get a good degree under your belt, although for the new fees I'd be inclined to find another route if thats the only reason for going...
Just my opinion though, If you really want to go, its a great experience for three years anyway!
p.s. my debt is 9k in loan, and about 2k OD by the end of the summer when I start my new job
The 'is uni worth the debt' debate really winds me up.
Here is the first thing that winds me up. Isn't the main reason you go to university to get a degree, therefore taking you into a higher paid job, meaning you earn more money, thus making yourself more efficient at getting out of things such as debt? What do people think university is all about? A three year piss up holiday where you happen to learn a few things? It's about equipping yourselves with the necessary knowledge and life skills, not to mention qualifications that will help you, theoretically, have an easier ride in life (amongst other things).
The other reason is COME ON, life isn't all about bloody money. The experiences you have at university far outweigh (presuming they are good experiences) the negatives of having to put in hard work paying off your debt. I mean bloomin' eck...people who walk around with the attitude 'think of the debt', c'mon, it's about the experience.
Obviously I do also see the other side of the argument...I just don't agree with it. I think it's more about whether you as a person knows that you will like university life or not.
Here is the first thing that winds me up. Isn't the main reason you go to university to get a degree, therefore taking you into a higher paid job, meaning you earn more money, thus making yourself more efficient at getting out of things such as debt? What do people think university is all about? A three year piss up holiday where you happen to learn a few things? It's about equipping yourselves with the necessary knowledge and life skills, not to mention qualifications that will help you, theoretically, have an easier ride in life (amongst other things).
The other reason is COME ON, life isn't all about bloody money. The experiences you have at university far outweigh (presuming they are good experiences) the negatives of having to put in hard work paying off your debt. I mean bloomin' eck...people who walk around with the attitude 'think of the debt', c'mon, it's about the experience.
Obviously I do also see the other side of the argument...I just don't agree with it. I think it's more about whether you as a person knows that you will like university life or not.
So far, uni is worth it. Although, I am lucky in that I'll only be in debt to my parents, who are not expecting me to pay them back, so really I won't be in debt. If I was, however, I'd definitely say it was worth it. I need my degree to get where I want to be years down the line, and it's fun.
I think Journalistix makes some good points.
I think Journalistix makes some good points.
ill be short and sweet: a uni degree will open many doors in terms of career prospects than having a no degree.
Course it's worth it.
Yes you may leave with debt upwards of 12k, but your overdraft is the one you ought to pay of first.
As for your student loan debts etc, the rates you pay it back are so small you'll barely notice it. You'll just get a payslip one day and realise you paid off you debt.
Yes you may leave with debt upwards of 12k, but your overdraft is the one you ought to pay of first.
As for your student loan debts etc, the rates you pay it back are so small you'll barely notice it. You'll just get a payslip one day and realise you paid off you debt.
Journalistix
Here is the first thing that winds me up. Isn't the main reason you go to university to get a degree, therefore taking you into a higher paid job, meaning you earn more money, thus making yourself more efficient at getting out of things such as debt?
The other reason is COME ON, life isn't all about bloody money. The experiences you have at university far outweigh (presuming they are good experiences) the negatives of having to put in hard work paying off your debt. I mean bloomin' eck...people who walk around with the attitude 'think of the debt', c'mon, it's about the experience.
The other reason is COME ON, life isn't all about bloody money. The experiences you have at university far outweigh (presuming they are good experiences) the negatives of having to put in hard work paying off your debt. I mean bloomin' eck...people who walk around with the attitude 'think of the debt', c'mon, it's about the experience.
Its easier to say those things if you know what you want to do. I'm not a 100% academic person and having just done A Levels and wondered if maybe I should have done something else, uni at the moment seems a potentially very expensive mistake. Ok-so there is more to uni than getting the degree but all has to work if you're gonna be happy...
Qualifications really aren't everything. Right now I don't have a clue what I want to do. I don't know if what I'm planning to do is the right choice for me...so to have a massive debt on top of it (I'll probably owe more because of all the changes) doesn't seem very appealing. And no one can tell you what to do either. Sometimes being able to see into the future would be very useful....
beach_surf_babe
Its easier to say those things if you know what you want to do. I'm not a 100% academic person and having just done A Levels and wondered if maybe I should have done something else, uni at the moment seems a potentially very expensive mistake. Ok-so there is more to uni than getting the degree but all has to work if you're gonna be happy...
Qualifications really aren't everything. Right now I don't have a clue what I want to do. I don't know if what I'm planning to do is the right choice for me...so to have a massive debt on top of it (I'll probably owe more because of all the changes) doesn't seem very appealing. And no one can tell you what to do either. Sometimes being able to see into the future would be very useful....
Qualifications really aren't everything. Right now I don't have a clue what I want to do. I don't know if what I'm planning to do is the right choice for me...so to have a massive debt on top of it (I'll probably owe more because of all the changes) doesn't seem very appealing. And no one can tell you what to do either. Sometimes being able to see into the future would be very useful....
Are you worried about the debt afterwards or during term time etc? I'll write a little bit which is a combination of what my brother (just finished his 2nd year at Lough):
University is the only time in your life where you're really responsible for you and only you. Okay, so that might be true for a while afterwards too, but when you're in the daily 9-5 grind and paying a ton of bills every month, you won't have the same freedom you had at university. Sure, you are meant to go to all your lectures etc, but the truth of the matter is if you don't want to one day, you don't have to. You can just not get up if that's what you want. When else will that ever be the case?
About the debt, as said on here don't think of it as a debt but rather an investment. Have you seen Office Space? They mention a little game in it that they used to do in school, and it's that the teacher would ask them what they'd do if they had $1million, and the idea was that whatever they said should be their career. It's not a bas outlook, assuming you don't say what the main character says and say "nothing." Do a degree related to that. So many jobs now are graduate only - though not necessarily a specific one. Even if you end up doing something totally unrelated to your degree, you may have only been able to do it because of the degree that you did have.
Also, about the money there, my brother kind of likes not having much. While it might be a pain in the arse, it's also a bonding experience, with a load of him and his mates with no money, trying to get by together, kinda like being shipwreaked but... well, a tad less severe. It's all part of the the lifestyle, you know, trying to find ways to cut corners. Also, you'll never meet so many people, so many diverse interests and you're bound to make friends if you go out there and look for them. In the grand scheme of things, 15k isn't that much.
Journalistix
Isn't the main reason you go to university to get a degree, therefore taking you into a higher paid job, meaning you earn more money, thus making yourself more efficient at getting out of things such as debt?
And there was me going to university because I had a passion for my subject and wanted to study it further with guidance from experts in the field. Ho hum, I'm clearly doing it for entirely the wrong reasons.
Totally... I'm studying my subject cos it sounds interesting and its related to media which is what I want to go into...
I'm studying my subject cos it sounds interesting and its related to media which is what I want to go into...
To be honest, for the year I've just had I'd have paid pretty much anything. You really can't put a price on being (relatively) carefree and making countless new friends, in my opinion.
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