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Thread: Is a college degree worth the cost?

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    Default Is a college degree worth the cost?

    More specifically - is it worth it to get deep into debt to obtain college degree especially if you are not going to use it?

    ( I read a few threads from dancers who graduated from college / university but decided to stick with what the are doing now since the money is better. )

    http://www.youtube.com/watch?v=kXpwAOHJsxg

    Is there anybody here who was able to switch to "vanila" 9 to 5 job after graduating?

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    Default Re: Is a college degree worth the cost?

    "It's worth it! I have a BA and am grad school and I fucking love my day job (I work in a hospital as a clinical intern part time)!"

    I am very glad to hear that. Congratulations on sticking with your game plan.

    Hopefully you don't have to much debt in student loans.

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    Default Re: Is a college degree worth the cost?

    I had the same question. I'm about 2 semesters away from graduating with a B.S. in business finance and not sure where to take it from there. But I know and worked with several girls who have stripped their way through the nursing program and one who is now a teacher.

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    Default Re: Is a college degree worth the cost?

    I have a degree and had all sorts of licenses and the like. However, in 2012 I moved to a different state so I had to start from scratch, but decided to get into a completely different field earlier this year.

    I didn't use stripping to fund my education at any point, didn't need to. I got into stripping to supplement my income while I was in the military because I had divorced my first husband, however.





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    Default Re: Is a college degree worth the cost?

    I think it depends on your major, job possibilities, and amount of loans. If your degree costs 100k and you only make 35k/yr realistically when you graduate, then I would say no. But if your degree costs 20k and you could realistically make 65k a test then I would say yes. I pretty much use that philosophy when taking out loans and choosing a major. For some unfortunate reason, more and more places are requiring a degree when honestly all you need is on the job training (like why do retail store assistant managers even need a degree). I see student loans as a form of indentured servitude.

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    Default Re: Is a college degree worth the cost?

    generally, the long term effects[as in 30+ years] of a degree are cash flow positive. However, some 15 years ago colleges started viewing that as their money, and have been taking an immediate share of it upfront.

    Get a useful degree, as much as I hate to view college as strictly vocational training, because of the massive run up in tuition in recent years, getting a degree in Celtic Studies, ancient poetry etc can be a huge waste of money

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    Default Re: Is a college degree worth the cost?

    IMHO it is worth the cost in most cases. While it is true that a college degree is no guarantee of future success, a lack of a degree, in this day and age, is almost a guarantee of a lifetime of struggle unless you have specialized technical training. The difference in life earnings between those with degrees and those without is simply astounding.

    Now there are lots of variables in play here. A useful degree helps a lot more than one in something like art history or philosophy and I agree with Pretty, to an extent, that racking up 100k in debt for a fluffy liberal arts degree is downright foolish. Those of us who do not come from wealth simply do not have the luxury of pursuing useless majors, though this is something that college advisors will never tell you. But on the whole, those with college degrees do much better in life than their uneducated counterparts and almost any decent paying job now requires one. There are also a myriad of ways in which one can keep costs down, including taking some classes at a community college, using the state university system and applying for grants (such as the Pell grant) and private scholarships.

    I am speaking from experience. I was young and poor, barely getting by on a F/T retail job while going to school full-time. I lived in one shithole for years, sleeping on a mattress on a floor the whole time with a toaster oven and a hot plate as my kitchen and showering by sitting in a bathtub and attaching a spray hose to the faucet. I used every strategy I mentioned above and others. When I transferred my cheaper credits over to a more expensive school to finish my degree, which btw I could only do because I was getting a big private scholarship from the school due to my grades at the cheaper schools, I picked my Bachelor degree major based upon which degrees had the highest starting salaries.

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    Default Re: Is a college degree worth the cost?

    the two biggest variables these days are ...

    - choosing a major which actually carries reasonably high future 'demand', and

    - choosing a major which leads to future employment which will fall under the best 'gov't student loan forgiveness' program

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    Default Re: Is a college degree worth the cost?

    I just like learning things. I honestly think I'm gonna become a cammodel with a phd.





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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by nick73 View Post
    More specifically - is it worth it to get deep into debt to obtain college degree especially if you are not going to use it?

    ( I read a few threads from dancers who graduated from college / university but decided to stick with what the are doing now since the money is better. )
    Two things:

    1. You do not NEED to "get deep into debt" to get a college degree.

    Instate tuition in a public college/university is relatively low. Compare CUNY’s tuition (City University of New York)- $6,030, to Columbia University’s tuition- $51,008. Same state, different $$$. Going to a public school in ones home state is far more affordable.

    Schools offer scholarships. Students can apply for scholarships from other entities and organizations. There are merit-based scholarships, student-specific scholarships, military scholarships, and variety of other scholarships out there.

    Many people use some of their own (or their family's) savings to help pay for school... that way, they don't have to take out too many loans. I am well aware that this isn’t an option for everyone but using some savings for education is not unheard of.

    There are work/study programs that make attending a school a bit cheaper, all while building up at least some form of 'vanilla' experience.

    And... there is always the option of starting out a community college (generally speaking, the cheapest option in many areas) in order to get through those pesky general studies classes that 4-year schools require at a bargain basement rate... and then transferring those credits to the 4-year school where you'll be getting your B.S./B.A./B.F.A.

    At the end of the day, 2 years in a prestigious private university is STILL going to be cheaper than 4 years in a prestigious private university. I know people who transferred from very reputable state schools to notable universities because they wanted the name-brand diploma. Did they accrue some debt? Yeah... but it was 50% less than what they would have if they'd gone to the fancy school from day one.

    When you ask if something is "worth it” you have to weigh the estimated cost against the likely reward.

    Bachelors degrees are so ubiquitous that their value has plummeted over the last few decades. On a certain level, it has leveled the playing field. Apart from Ivy League degrees, a degree is a degree… fewer employers give a hoot about whether your four years were spent on a historic landscaped campus or in some building near a bus stop. As long as the school is accredited and you have a legitimate degree, you have a fucking degree. Welcome to the party.

    Martyring yourself financially doesn’t make you a better job candidate. Accumulating massive debt is an option… but there are numerous work-arounds that students can (and should!) consider taking advantage of.



    2. Now onto the second point (and you thought we would never get there…)

    People with degrees will go where the money is. Whether it’s to pay off college debt ASAP, have a steady income for the next few months/years/whatever, or because they haven’t landed a position that they’re interested in... yet. Bird in the hand, bro… bird in the hand.

    I’ve seen entry level job listings that require 3-5 years of industry related experience and offer to pay barely above minimum wage. Don’t even get me started on unpaid internships that demand 1-2 years of industry experience. No benefits, no guarantees, late hours and weekends, and not even one penny!

    For the time being, I think I’ll stick to stripping. Thankyouverymuch!

    But as a stripper, I know that I, and many of my colleagues are keenly aware that this job has an expiration date. That expiration date has more to do with endurance/interest than it does with age, truth be told. Stripping is hard work. It takes a toll on the body and tests our patience.

    While it is a lucrative industry, money keeps declining. It’s harder to bank when you have to compete with extras, the economic downturn, and increased fees. It’s not as fun or profitable as it used to be. Dealing with jerk no.10,372 isn’t the funnest prospect, especially when girls are catty and management is rude. Some girls have to keep it a secret… imagine sitting on a secret for decades and working 3-5 days a week. It’s stressful!

    We are stripers… but we have other things that we want to do. So if getting to where we want to be requires a degree, we’ll do that.

    Stripping is great until it isn’t. That’s a personal decision. It’s a bridge that we cross when we get there.
    Quote Originally Posted by Jay12 View Post
    ^What Sophia said.
    Quote Originally Posted by yoda57us View Post
    I wish there was an "auto-like" setting that I could just have applied to all of your posts Sophia....

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    Default Re: Is a college degree worth the cost?

    Not sure why this is in Customer Conversation, but I've always found that degrees in majors one can actually land jobs in with minimal debt to follow makes adult work easier if you choose to do both, as I do.
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    Quote Originally Posted by xStacey View Post
    Close contact, for an hour, for $40? And I guess I'll have to make conversation with them too?

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    Default Re: Is a college degree worth the cost?

    I think it's only useful if you're learning a specific skill that's in demand. I know way too many English and Political Science graduates working at Starbucks or teaching English in Korea because they couldn't find decent work. Vocational schools are really the way to go now. I for one am not about to spend $50,000.00 writing a bunch of essays and perfecting my skills in APA citation so that I can be a shift manager at McDonalds.

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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by wednesday86 View Post
    I know way too many English and Political Science graduates working at Starbucks or teaching English in Korea because they couldn't find decent work. I for one am not about to spend $50,000.00 writing a bunch of essays and perfecting my skills in APA citation so that I can be a shift manager at McDonalds.
    I think that's the problem. Finding decent work after college is incredibly difficult.

    INCREDIBLY DIFFICULT!

    That doesn't necessarily mean that a degree isn't worth it... education is priceless. But the jobs aren't THERE! The higher-ed system produces intelligent capable people that graduate with NOWHERE to go.

    What do we do? Forego college altogether and create a lower rung service industry because investing in college isn't financially sensible. What happens to the gals who can't or won't strip? What happens to the guys? Do we wave the white flag and say that "college isn't worth it, you'll be working in fast food anyway, might as well get a head start"?

    Strippers aren't the norm.
    We are fortunate to be comfortable with what we do. We are pretty enough to bank.
    Is this our only lot in life even if our passions/interests lie elsewhere?




    Personally, I wish more people were serious about education... I don't care if they get street-smart or book-smart... there are far too many idiots out there... and they could benefit from some logic-like-learningz and self-discipline.
    Last edited by Sophia_Starina; 09-29-2014 at 11:31 AM.
    Quote Originally Posted by Jay12 View Post
    ^What Sophia said.
    Quote Originally Posted by yoda57us View Post
    I wish there was an "auto-like" setting that I could just have applied to all of your posts Sophia....

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    Default Re: Is a college degree worth the cost?

    I said this in the majors thread but...

    I'd love a PsyD. I completed undergrad in psych, as well as part of an MFT. I'm really glad I dropped out when I did because I recently found out the standards have changed in my state and 12 extra mandatory units were added, which is now required in order to get licensed. Now, MFT programs are 40k total for tuition even for a state school! Private schools range 60k - 110k in my area just for a masters where you MIGHT earn 55k/year. So insane. I'm happier making more than that in sexwork with half the hours.

    That being said, yes I'd love a PsyD but I'm trying to justify the cost. 120-150k for one. This is not something you can get from a state school, they are all at private or professional schools for the most part, in my state. I am still getting my apps done for it anyway, and will figure it out. But to me, 120-150k is soooo much for a job that hopefully pays 70k. PsyD doesn't even really have many job prospects in my state because the state is flooded with them (just like masters), so its more of a personal hobby. Doesn't seem to justify the cost.

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    Default Re: Is a college degree worth the cost?

    ^Same for my counseling degree. I've made over the weekend what I would in forty hours with a bachelors. I really plan on staying in camming, at least part time, for as long as I can.
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    Quote Originally Posted by xStacey View Post
    Close contact, for an hour, for $40? And I guess I'll have to make conversation with them too?

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    Default Re: Is a college degree worth the cost?

    The thing is, in the US colleges don't necessarily care about what the students learn. It's all business now. Of course they add extra credits and all that bullshit every year so that they can up the price tag. The worst part is we could easily afford to make college tuition FREE in the United States as it is in many other developed nations. It pisses me off so much. I would rather invest my stripper $ into my own business or real estate than a piece of paper that proves how "smart" I am. I already know that I'm smart. Every college class I've taken has been so easy and so damn boring. It's all been dumbed down so that any idiot with a loan or a college fund from Mommy and Daddy can pass. We get less bang for our buck than ever. No thanks.

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    Default Re: Is a college degree worth the cost?

    ^ Couldn't agree more.

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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by Sophia_Starina View Post





    When you ask if something is "worth it” you have to weigh the estimated cost against the likely reward.


    Martyring yourself financially doesn’t make you a better job candidate. Accumulating massive debt is an option… but there are numerous work-arounds that students can (and should!) consider taking advantage of.



    2. Now onto the second point (and you thought we would never get there…)




    But as a stripper, I know that I, and many of my colleagues are keenly aware that this job has an expiration date. That expiration date has more to do with endurance/interest than it does with age, truth be told. Stripping is hard work. It takes a toll on the body and tests our patience.

    While it is a lucrative industry, money keeps declining. It’s harder to bank when you have to compete with extras, the economic downturn, and increased fees. It’s not as fun or profitable as it used to be. Dealing with jerk no.10,372 isn’t the funnest prospect, especially when girls are catty and management is rude. Some girls have to keep it a secret… imagine sitting on a secret for decades and working 3-5 days a week. It’s stressful!

    We are stripers… but we have other things that we want to do. So if getting to where we want to be requires a degree, we’ll do that.

    Stripping is great until it isn’t. That’s a personal decision. It’s a bridge that we cross when we get there.
    I agree with all of this.

    & BTW for some fields (Nursing, Business Management, etc.) companies will do tuition re-imbursement. Worth looking into...

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    Default Re: Is a college degree worth the cost?

    I think we can all understand the "I'd rather strip" sentiment, but the simple reality is that many of the girls who do this work hang up their heels, in their 30s or earlier, with little extra to show for it. This means that most of you are going to have to work decades past your ability to make money stripping. Whether it is college or some other specialized training, having something that can boost your pay scale as you age is going to go a long way in determining how comfortable a life you have.

    There are exceptions to this rule of course. Melonie has built a good life for herself from stripping, as have a couple of other dancers who I've met over the years. But they are exceptions for a reason and all shared common behaviors, which involved tremendous hard work and sacrifice. Most dancers are simply unable to: (1) dance for as long and as consistently as they did; (2) live below their means for a long time in order to sock away cash; and (3) endure the loneliness that is necessary to keep from commingling money/living arrangements with an SO, which almost guarantees zero savings (however loving and supportive he is).

    Just a few thoughts for whatever its worth, but there is a multi-decade long game to consider here and if you aren't going to be one of the rare few who builds up a serious nest egg from dancing - and most of you aren't, then you need to think about how you will support yourself when you are no longer able to do what you do now.

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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by rickdugan View Post
    I think we can all understand the "I'd rather strip" sentiment, but the simple reality is that many of the girls who do this work hang up their heels, in their 30s or earlier, with little extra to show for it. This means that most of you are going to have to work decades past your ability to make money stripping. Whether it is college or some other specialized training, having something that can boost your pay scale as you age is going to go a long way in determining how comfortable a life you have.

    There are exceptions to this rule of course. Melonie has built a good life for herself from stripping, as have a couple of other dancers who I've met over the years. But they are exceptions for a reason and all shared common behaviors, which involved tremendous hard work and sacrifice. Most dancers are simply unable to: (1) dance for as long and as consistently as they did; (2) live below their means for a long time in order to sock away cash; and (3) endure the loneliness that is necessary to keep from commingling money/living arrangements with an SO, which almost guarantees zero savings (however loving and supportive he is).

    Just a few thoughts for whatever its worth, but there is a multi-decade long game to consider here and if you aren't going to be one of the rare few who builds up a serious nest egg from dancing - and most of you aren't, then you need to think about how you will support yourself when you are no longer able to do what you do now.
    Not everyone is a stripper though. Cam girls and escorts too, which you can easily do much longer than stripping because there's less "wear and tear" on the body as well as no one to "hire" or "fire" you, when compared to stripping IMO.

    Camming can be done a lot longer, as long as its lucrative. It doesn't discriminate based on body size or aging skin, as you can use filters, lights, and angles to negate those. I'm assuming escorting has similar things too, like photoshopped pics and good marketing which can negate aging/weight gain, but I've never been one so I don't think I'm in a place where I can 100% comment.

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    Default Re: Is a college degree worth the cost?

    Personally, I feel like it'd be easier to get by on minimum wage *without* student-loan debt than it would be if, say, you were a college grad with 60K+interest in student loans making 15 dollars an hour?

    IDK, I look at my dad who makes great money on paper, but he is only actually seeing a fraction of it after tax deductions and his enormous student loans. It's so discouraging, tbh.
    Last edited by MyButter; 09-29-2014 at 03:31 PM. Reason: * a third was an overestimate, lol.

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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by nick73 View Post
    More specifically - is it worth it to get deep into debt to obtain college degree especially if you are not going to use it?
    The debt makes no sense if you are not going to use the degree. But, stripping your way through college is a great way to pay for college, living expenses and put some money aside. So, why the debt?

    Is there anybody here who was able to switch to "vanila" 9 to 5 job after graduating?
    I graduated with a B.Sc. in Accounting. I got a job with an electric utility after stripping/college. Admittedly, stripping was not on the resume. I passed the CPA exam and had no trouble with the background check. I did get my audit hours in before leaving for a VC. That way I completed my qualifications for the CPA. I have since left the VC to buy my own business. Income is in the mid-six figures, admittedly mostly dividends, not salary. I pay myself just enough to maximize my social security and reduce my audit risk. The rest is dividend income.

    Honestly, stripping is a limited term business. I look at myself today and there is little chance I'd make the kind of money I made in college stripping with my current 30ish face and body. Guys just don't pay for that. And, I work out still. So, I'm no suburban housewife with a middle age spread. Still, guys pay for hot bods. So, make it while you can, pay for your education in a field that is useful and put some cash aside.

    HTH
    Z

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    Default Re: Is a college degree worth the cost?

    As far as trade schools go, please do the research. Many will say anything to get sign ups. I know many unemployed medical assistants and phlebotomists.
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    Quote Originally Posted by xStacey View Post
    Close contact, for an hour, for $40? And I guess I'll have to make conversation with them too?

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    Default Re: Is a college degree worth the cost?

    Quote Originally Posted by SweetJulia View Post
    As far as trade schools go, please do the research. Many will say anything to get sign ups. I know many unemployed medical assistants and phlebotomists.
    I agree. While trades are the way to go IMO, most of them have been or are being flooded by people who are starting to "wake up" and realize that its very hard to afford a degree with all these tuition spikes.

    I think school is a mindfuck right now for a few reasons:

    a.) Almost every field is overcrowded at this point, including trades.
    b.) State schools and inexpensive schools are now MEGA competitive. With so many people applying with near 4.0s, lots of experience, and high SAT/GRE schools, they can afford to be insanely picky. And not everyone fits into their requirements. It wasn't always like this.

    No one knows the future. I think the safest job at the moment would be any form of engineer. But who knows. In 10, 20, 30 years technology might be so advanced that certain engineers could be out of a job. Or in that time, there could be even more demand for certain engineers. There could also be new fields that come out of no where. Who knows. No one knows. That's the scary thing.

    Technology is changing so fast combined with everything being outdated so quickly, and no one knows what to expect next. That's a very scary world to live in. And that is the world we live in now. A world that only became this way about 10 years ago IMO.

  40. #25
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    Default Re: Is a college degree worth the cost?

    I think my degree was 100% worth it, but I don't intend to work in the sex industry for the rest of my life-- if I wanted to be a career stripper or escort and really take it seriously and hope to retire at 35, I wouldn't have spent all the time and effort I did at university. I know what I want to do and I need a doctorate for it, so not having a BA isn't really an option for me. I would be very surprised if I was still stripping even 3 years from now, as I chose to to go back to stripping to pay off my student loans (30k) and travel before going to graduate school.

    I know people who went to university and graduated with 100k+ of debt, people that graduated with nothing, and people who are in the middle like me. I believe it's possible to graduate without going hugely into debt... my university was $172,000 for a BA and I owe 30k, I managed to pay off the rest with scholarships, financial aid, some stripping $, etc. It honestly wasn't my first choice university, but they offered me the most money so I took it. But I worked hard to high school to be not only competitive for a top uni but to be competitive for giving out $. If you can't find a private university willing to give you money, there's always public.

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