[bumby]

> Less than half of Americans, aged 25-34, have a post secondary education

Are you sure? Unless you mean post-secondary education means graduating college as opposed to attending college without graduating, the information I could find doesn't support this (with the caveat I didn't find info specific to the 25-34 demographic)

There's certainly lots of people who attend college (with loans) and dropout. They presumably may have the worse of both scenarios, college debt and no degree to show for it.