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A university may be the best choice when your goal requires a particular degree. Each option has benefits, costs, and commitments that deserve careful thought.

As of June 30, 2026, Americans carried approximately $1.65 trillion in outstanding student-loan debt, according to the Federal Reserve Bank of New York. This includes federal and private loans appearing on consumer credit reports. New York Fed, 2026 Q2

I used to think leaving college meant I had failed at something. That was the hardest part to admit, even to myself. Not the paperwork. Not the awkward conversations. Not packing my things. The real weight came from the story I had already written in my head. I would go to college, get a degree, make my family proud, and walk across a stage with a cap and gown like I had finished the path I was supposed to be on. Then life got louder than that plan. Leaving college for an ele