[nunez]

I graduated with approx $200k of student loan debt. It took me ten years to pay it off. While I learned a lot about personal finance in those ten years, that's ten years that could have gone towards literally anything else.

I don't regret going to the school I went to (Stevens; not an Ivy) but I would never wish student debt on anyone.

That said, there are job opportunities that present themselves much more easily for people coming from Ivy Leagues and if you do well. So there's that to consider.

(Also, I thought I'd get my PhD when I started college...I didn't do that, and I don't regret it.)