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- Embed this noticeMost people don't have the agency to do that, and most will graduate with a degree they don't do anything with. It's a huge amount of debt, and will cripple the next 5 years, at least, of your life. In theory you should be earning much more afterwards than someone who has only worked, and it could be worth it. But it's a gamble. I think people at the very least would be better off working until maybe 20-22 before going into college with a little bit more intention. Not saying it's for everyone but if someone is a little uncertain taking a couple years to figure yourself out isn't going to influence your final earnings too much and will probably help you find a career that's better for you.
Anecdotally, among my high school friends, college graduation has not had much bearing on someone's financial success.