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Ｏｎｃｅ               ａｇａｉｎ,               ｓｔｕｄｅｎｔ               ｄｅｂｔ               ｍａｎａｇｅｄ               ｔｏ               ｃｌｉｍｂ               ｉｔｓ               ｗａｙ               ｕｐ               ｔｏ               ｂｅ               ａｍｏｎｇ               ｔｈｅ               ｔｏｐ               ｏｆ               ｔｈｅ               ｈｅａｄｌｉｎｅｓ.

Ｐｒｅｓｉｄｅｎｔ               Ｏｂａｍａ               ｐｒｏｐｏｓｅｄ               ｔｏ               ｒｅｆｏｒｍ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｓｔｒｕｃｔｕｒｅ               ｔｏ               ｂｅ               ｂａｓｅｄ               ｏｎ               ｍａｒｋｅｔ               ｆｏｒｃｅｓ               ｒａｔｈｅｒ               ｔｈａｎ               ｂｕｒｅａｕｃｒａｔｉｃ               ｒｕｌｅｓ.

Ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｗｉｔｈ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｈａｖｅ               ｂｅｃｏｍｅ               ｓｏ               ｄｅｓｐｅｒａｔｅ               ｔｈａｔ               ｌａｗｓｕｉｔｓ               ａｒｅ               ｂｅｉｎｇ               ｆｉｌｅｄ               ｂｙ               ｓｔｕｄｅｎｔｓ               ａｇａｉｎｓｔ               ｔｈｅｉｒ               ａｌｍａ               ｍａｔｅｒ.

Ａｎ               ｏｖｅｒｓｉｚｅｄ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｃａｎ               ｂｅ               ａ               ｐｅｒｐｅｔｕａｌ               ａｎｃｈｏｒ               ｔｏ               ｗｅｉｇｈ               ｄｏｗｎ               ｔｈｅ               Ａｍｅｒｉｃａｎ               Ｄｒｅａｍ.

Ｂｅｆｏｒｅ               Ｉ               ｇｏ               ｏｎ,               ｌｅｔ'ｓ               ｇｅｔ               ｏｎｅ               ｔｈｉｎｇ               ｏｕｔ               ｏｆ               ｔｈｅ               ｗａｙ.

Ｙｅｓ,               ｎｏｔ               ａｌｌ               ｄｉｐｌｏｍａｓ               ｈｏｌｄ               ｔｈｅ               ｓａｍｅ               ｖａｌｕｅ.

Ｆｏｒ               ｅｘａｍｐｌｅ,               ａ               ｄｅｇｒｅｅ               ｆｒｏｍ               Ｈａｒｖａｒｄ               Ｕｎｉｖｅｒｓｉｔｙ               ｃｌｅａｒｌｙ               ｃａｒｒｉｅｓ               ｗｉｔｈ               ｉｔ               ｔｈｅ               ｐｒｅｓｔｉｇｅ               ａｎｄ               ｒｅｃｏｇｎｉｔｉｏｎ               ｔｈａｔ               ｄｏｅｓ               ｎｏｔ               ｃｏｍｅ               ｗｉｔｈ               "Ｐｏｄｕｎｋ               Ｓｔａｔｅ               Ｃｏｌｌｅｇｅ".

Ｔｈｅ               ｍｏｒａｌ               ｏｆ               ｔｈｉｓ               ｓｔｏｒｙ               ｉｓ               ｎｏｔ               ｓｏ               ｍｕｃｈ               ｈｏｗ               ｄｉｐｌｏｍａｓ               ｆｒｏｍ               ａｌｌ               ｃｏｌｌｅｇｅｓ               ａｒｅ               ｉｎｔｅｒｃｈａｎｇｅａｂｌｅ               ｏｒ               ｐｅｒｆｅｃｔｌｙ               ｓｕｂｓｔｉｔｕｔａｂｌｅ.

Ｈｏｗｅｖｅｒ,               ｗｉｔｈ               ｐｒｕｄｅｎｔ               ｄｅｃｉｓｉｏｎｓ,               ｏｎｅ               ｍａｙ               ｂｅ               ａｂｌｅ               ｔｏ               ｏｂｔａｉｎ               ａ               ｑｕａｌｉｔｙ               ｅｄｕｃａｔｉｏｎ               ｔｏｗａｒｄ               ａ               ｆｕｌｆｉｌｌｉｎｇ               ｃａｒｅｅｒ               ｗｈｉｌｓｔ               ａｖｏｉｄｉｎｇ               ｔｈｅ               ｗｏｒｓｔ               ｃａｓｅ               ｓｃｅｎａｒｉｏ               ｆｏｒ               ｃｏｌｌｅｇｅ               ｓｔｕｄｅｎｔｓ:               ｓｐｅｎｄｉｎｇ               ｄｅｃａｄｅｓ               ｔｏ               ｐａｙ               ｄｏｗｎ               ａ               ｄｅｂｔ               ｔｈａｔ               ｃａｎｎｏｔ               ｂｅ               ｓｈｅｄ               ｔｈｒｏｕｇｈ               ｂａｎｋｒｕｐｔｃｙ.
               Ｉｎ               2001,               Ｉ               ｗａｓ               ｆａｃｉｎｇ               ａ               ｐｒｏｂｌｅｍ               ｔｈａｔ               ｆｅｗ               Ａｍｅｒｉｃａｎ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｓｔｕｄｅｎｔｓ               ｆａｃｅｄ.

Ｉ               ｃａｍｅ               ｆｒｏｍ               ａｎ               (ｌｅｇａｌ)               ｉｍｍｉｇｒａｎｔ               ｆａｍｉｌｙ.

Ｄｕｅ               ｔｏ               ｖａｒｉｏｕｓ               ｃｉｒｃｕｍｓｔａｎｃｅｓ,               ｗｅ               ｗｅｒｅ               ｎｏｔ               ａｂｌｅ               ｔｏ               ａｍａｓｓ               ａｎｙ               ｎｏｔａｂｌｅ               ｄｅｇｒｅｅ               ｏｆ               ｗｅａｌｔｈ.

Ｎｅｅｄｌｅｓｓ               ｔｏ               ｓａｙ,               Ｉ               ｄｉｄ               ｎｏｔ               ｈａｖｅ               ａ               ｃｏｌｌｅｇｅ               ｆｕｎｄ.

Ｅｖｅｎ               ｗｏｒｓｅ,               ｉｎ-ｓｔａｔｅ               ｔｕｉｔｉｏｎ               ｗａｓ               ｎｏｔ               ａｎ               ｏｐｔｉｏｎ               ｆｏｒ               ｍｅ               ｂｅｃａｕｓｅ               ｏｆ               ｍｙ               ｓｔａｔｕｓ               ａｓ               ａ               Ｆ-1               ｉｎｔｅｒｎａｔｉｏｎａｌ               ｓｔｕｄｅｎｔ.

Ａｌｔｈｏｕｇｈ               ａｔ               ｔｈｅ               ｔｉｍｅ               Ｉ               ｗａｓ               ｌｉｖｉｎｇ               ｉｎ               Ｔｅｘａｓ,               ｗｈｅｒｅ               ｔｏｐ               10%               ｏｆ               ａｌｌ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｓｔｕｄｅｎｔｓ               ａｒｅ               ｇｕａｒａｎｔｅｅｄ               ｅｎｔｒｙ               ｉｎｔｏ               ａｎｙ               ｐｕｂｌｉｃ               ｉｎｓｔｉｔｕｔｉｏｎ,               ｍｙ               ｇｒａｄｅｓ               ｗｅｒｅ               ｐｕｌｌｅｄ               ｄｏｗｎ               ｂｙ               ｍｙ               ｅａｒｌｙ               ｙｅａｒｓ               ｉｎ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｄｕｅ               ｔｏ               ｌａｎｇｕａｇｅ               ｄｅｆｉｃｉｅｎｃｉｅｓ.

Ｍｙ               ｃｈｏｉｃｅｓ               ｗｅｒｅ               ｌｉｍｉｔｅｄ:               ｐａｙ               ｏｕｔ-ｏｆ-ｓｔａｔｅ               ｔｕｉｔｉｏｎ               ｉｎ               Ｔｅｘａｓ               ｏｒ               ａｎｙｗｈｅｒｅ               ｅｌｓｅ.
               Ａｌｔｈｏｕｇｈ               ｔｕｉｔｉｏｎ               ｉｎｆｌａｔｉｏｎ               ｈａｄ               ｏｎｌｙ               ｒｅｃｅｎｔｌｙ               ｓｕｒｆａｃｅ               ａｓ               ａ               ｈｏｔ               ｉｓｓｕｅ               ｉｎ               ｔｈｅ               ｍｅｄｉａ,               ｉｔｓ               ｕｐｗａｒｄ               ｔｒａｊｅｃｔｏｒｙ               ｗａｓ               ａｌｒｅａｄｙ               ｗｅｌｌ               ｉｎ               ｐｌａｃｅ               ｂｙ               ｔｈｅ               ｅａｒｌｙ               2000'ｓ.

Ｉｎ               ｓｈｏｒｔ,               ａ               Ｆ-1               ｓｔｕｄｅｎｔ               ｗｉｔｈ               ｐｒｅｔｔｙ               ｇｏｏｄ               (ｔｈｏｕｇｈ               ｆａｒ               ｆｒｏｍ               ｅｘｃｅｌｌｅｎｔ)               ｇｒａｄｅｓ               ｉｓ               ｎｏｔ               ｅｘａｃｔｌｙ               ｈｏｔ               ｃｏｍｍｏｄｉｔｙ.

Ｍｙ               ｃｈｏｉｃｅｓ               ｅｓｓｅｎｔｉａｌｌｙ               ｃａｍｅ               ｄｏｗｎ               ｔｏ               ａ               ｐｒｉｖａｔｅ               ｕｎｉｖｅｒｓｉｔｙ               ｉｎ               ｔｈｅ               Ｍｉｄｗｅｓｔ               ｔｈａｔ               ｉｓ               ｎａｔｉｏｎａｌｌｙ               ｒａｎｋｅｄ               ａｍｏｎｇ               ｔｏｐ               20               ｕｎｄｅｒｇｒａｄｕａｔｅ               ｐｒｏｇｒａｍｓ               ｉｎ               ｔｈｅ               ｃｏｕｎｔｒｙ,               ｏｒ               ａ               ｌｉｔｔｌｅ-ｋｎｏｗｎ               ｌｉｂｅｒａｌ               ａｒｔｓ               ｃｏｌｌｅｇｅ               ｉｎ               ｔｈｅ               Ｓｏｕｔｈ               ｂｕｔ               ｈａｓ               ａｎ               ｅｘｃｅｌｌｅｎｔ               ｒｅｇｉｏｎａｌ               ａｃａｄｅｍｉｃ               ｒｅｐｕｔａｔｉｏｎ.

Ｍｙ               ｐａｒｅｎｔｓ               ｕｒｇｅｄ               ｍｅ               ｔｏ               ｅｎｒｏｌｌ               ｉｎｔｏ               ｔｈｅ               ｐｒｉｖａｔｅ               ｕｎｉｖｅｒｓｉｔｙ,               ｗｈｉｃｈ               ｏｆｆｅｒｅｄ               ｍｅ               ａ               ｓｕｂｓｔａｎｔｉａｌ               ａｍｏｕｎｔ               ｏｆ               ｓｃｈｏｌａｒｓｈｉｐ               ｂａｓｅｄ               ｏｎ               ａ               ｃｏｍｂｉｎａｔｉｏｎ               ｏｆ               ｍｅｒｉｔ               ａｎｄ               ｎｅｅｄ               ｂｕｔ               ｓｔｉｌｌ               ｒｅｑｕｉｒｅｄ               ａｎｎｕａｌ               ｏｕｔ-ｏｆ-ｐｏｃｋｅｔ               ｅｘｐｅｎｓｅｓ               ｏｆ               ａｔ               ｌｅａｓｔ               $16,000.

Ｈｏｗｅｖｅｒ,               ｔｈｅ               ｌｉｂｅｒａｌ               ａｒｔｓ               ｃｏｌｌｅｇｅ               ｃｈｏｓｅ               ｔｏ               ｔａｋｅ               ａ               ｃｈａｎｃｅ               ｏｎ               ｍｅ               ａｎｄ               ｏｆｆｅｒｅｄ               ｍｅ               ａ               ｆｕｌｌ               ｒｉｄｅ,               ｉｎｃｌｕｄｉｎｇ               ｒｏｏｍ               ａｎｄ               ｂｏａｒｄ.

Ｉｔ               ｗａｓ               ｆｕｎｄｅｄ               ｂｙ               ａ               ｐｒｉｖａｔｅ               ｐｈｉｌａｎｔｈｒｏｐｉｓｔ               ｗｈｏ               ｌｉｖｅｄ               ｈｅｒ               ｅｎｔｉｒｅ               ｌｉｆｅ               ｗｉｔｈｉｎ               ｈｅｒ               ｍｅａｎｓ               ａｎｄ               ｓｉｍｐｌｙ               ｓａｖｅｄ,               ｓａｖｅｄ,               ａｎｄ               ｓａｖｅｄ               ｓｏｍｅ               ｍｏｒｅ.
               Ｔｈｕｓ,               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｆｏｒ               ｍｅ               ｔｏ               ｍａｋｅ               ｔｈｅ               ｂｅｓｔ               ｆｉｎａｎｃｉａｌ               ｄｅｃｉｓｉｏｎ               ｏｆ               ｍｙ               ｌｉｆｅ               ｐｒｅｓｅｎｔｅｄ               ｉｔｓｅｌｆ.

Ｉｎｓｔｅａｄ               ｏｆ               ｔａｋｉｎｇ               ｏｕｔ               ａ               ｓｉｘ-ｆｉｇｕｒｅ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ａｎｄ               ｐｕｒｓｕｅ               ｍｙ               ｅｄｕｃａｔｉｏｎ               ｗｉｔｈ               ａ               ｔｏｐ-ｒａｎｋｅｄ               ｐｒｉｖａｔｅ               ｕｎｉｖｅｒｓｉｔｙ,               Ｉ               ｃｈｏｓｅ               ｔｈｅ               ｌｉｂｅｒａｌ               ａｒｔｓ               ｃｏｌｌｅｇｅ.
               Ｍｙ               ｄｅｃｉｓｉｏｎ               ｐｒｏｃｅｓｓ               ｗｅｎｔ               ｓｏｍｅｔｈｉｎｇ               ｌｉｋｅ               ｔｈｉｓ:
               1.

Ｗｈａｔ               ｉｓ               ｔｈｅ               ｍａｉｎ               ｒｅａｓｏｎ               ｆｏｒ               ｃｈｏｏｓｉｎｇ               ｔｈｅ               ｐｒｉｖａｔｅ               ｕｎｉｖｅｒｓｉｔｙ?

Ｔｈｅ               ａｎｓｗｅｒｓ               ｗｅｒｅ               ｃｌｅａｒ:               ｐｒｅｓｔｉｇｅ;               ｒｅｃｏｇｎｉｔｉｏｎ;               ｐｏｔｅｎｔｉａｌｌｙ               ｓｕｐｅｒｉｏｒ               ｅｄｕｃａｔｉｏｎ               ｅｘｐｅｒｉｅｎｃｅ.
               2.

Ｗｈａｔ               ｉｓ               ｔｈｅ               ｍａｉｎ               ｄｒａｗｂａｃｋ               ｆｏｒ               ｃｈｏｏｓｉｎｇ               ｔｈｅ               ｐｒｉｖａｔｅ               ｕｎｉｖｅｒｓｉｔｙ?

Ｔｈｅ               ａｎｓｗｅｒ               ｗａｓ               ｊｕｓｔ               ａｓ               ｃｌｅａｒ:               ｂｅｉｎｇ               ｋｎｅｅ-ｄｅｅｐ               ｉｎ               ｄｅｂｔ               ｗｉｔｈｏｕｔ               ｑｕａｌｉｔｙ               ｅｍｐｌｏｙｍｅｎｔ               ｐｒｏｓｐｅｃｔｓ               ａｓ               ａ               Ｆ-1               ｓｔｕｄｅｎｔ               (ｃｏｎｔｒｉｂｕｔｉｎｇ               ｃａｕｓｅｓ               ａｒｅ               ｆｏｒ               ａ               ｓｅｐａｒａｔｅ               ｓｔｏｒｙ).
               Ｔｈｅｒｅ               ｉｓ               ｏｎｅ               ｕｎｄｅｒｌｙｉｎｇ               ｃｏｍｍｏｎ               ｄｅｎｏｍｉｎａｔｏｒ:               ｉｎｆｏｒｍａｔｉｏｎ.

Ｂｙ               ｎｏｗ,               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｐｒｏｃｅｓｓ               ｆｏｒ               ｈｉｇｈｅｒ               ｅｄｕｃａｔｉｏｎ               ｈｅｌｐｓ               ｔｏ               ｓｔａｎｄａｒｄｉｚｅ               ｍｕｃｈ               ｏｆ               ｔｈｅ               ｃｏｎｔｅｎｔ               ａｍｏｎｇ               ｓｃｈｏｏｌｓ.

Ｉｎ               ｏｔｈｅｒ               ｗｏｒｄｓ,               ｔｈｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｎｄ               ｋｎｏｗｌｅｄｇｅ               ｂｅｉｎｇ               ｔａｕｇｈｔ               ａｔ               ｖａｒｉｏｕｓ               ｕｎｉｖｅｒｓｉｔｉｅｓ               ａｒｅ               ｌａｒｇｅｌｙ               ｔｈｅ               ｓａｍｅ.

Ｋｅｙ               ｄｉｆｆｅｒｅｎｃｅｓ               ｒｅｓｉｄｅ               ｉｎ               ｍｅｔｈｏｄ               ｏｆ               ｄｅｌｉｖｅｒｙ.

Ｙｅｔ               ｉｔ               ｉｓ               ｗｅｌｌ               ｋｎｏｗｎ               ｔｈａｔ               ｌａｒｇｅｒ               ｓｃｈｏｏｌｓ               -               ｂｏｔｈ               ｐｕｂｌｉｃ               ａｎｄ               ｐｒｉｖａｔｅ,               ｐａｒｔｉｃｕｌａｒｌｙ               ｔｈｏｓｅ               ｃｌａｓｓｉｆｉｅｄ               ａｓ               "Ｒ-1"               (ｍａｊｏｒ               ｒｅｓｅａｒｃｈ               ｉｎｓｔｉｔｕｔｉｏｎｓ)               ｔｅｎｄ               ｔｏ               ｕｓｅ               Ｔｅａｃｈｉｎｇ               Ａｓｓｉｓｔａｎｔｓ.

Ｔｈｕｓ               ｔｈｅ               ｑｕａｌｉｔｙ               ｏｆ               ｅｄｕｃａｔｉｏｎ               ｌｉｋｅｌｙ               ｄｉｆｆｅｒｓ               ｌｉｔｔｌｅ               ａｍｏｎｇ               ｓｃｈｏｏｌｓ               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ.

Ａｎｙ               ｐｏｓｉｔｉｖｅ               ｏｒ               ｎｅｇａｔｉｖｅ               ｅｘｐｅｒｉｅｎｃｅｓ               ｉｎ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｏｆ               ｔｈｅ               ｓａｍｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ａｒｅ               ｌｉｋｅｌｙ               ｉｄｉｏｓｙｎｃｒａｔｉｃ               ｔｏ               ｉｎｄｉｖｉｄｕａｌ               ｆａｃｕｌｔｙ               ｍｅｍｂｅｒｓ               ｒａｔｈｅｒ               ｔｈａｎ               ｓｙｓｔｅｍｉｃ               ｔｏ               ｔｈｅ               ｅｎｔｉｒｅ               ｉｎｓｔｉｔｕｔｉｏｎ.
               Ｈｏｗｅｖｅｒ,               Ｉ               ｗｉｌｌ               ｃｏｎｃｅｄｅ               ｏｎｅ               ｐｏｉｎｔ.

Ｅｖｅｎ               ｉｄｅｎｔｉｃａｌ               ｉｎｆｏｒｍａｔｉｏｎ               ｃａｎｎｏｔ               ａｃｃｏｕｎｔ               ｆｏｒ               ｅｘｔｅｒｎａｌ               ｒｅｌａｔｉｏｎｓ.

Ｔｗｏ               ｓｃｈｏｏｌｓ,               ｂｏｔｈ               ｗｉｔｈ               ｔｈｅ               ｓａｍｅ               ｃｕｒｒｉｃｕｌｕｍ               ａｎｄ               ａｃｃｒｅｄｉｔａｔｉｏｎ,               ａｒｅ               ａｌｓｏ               ｌｉｋｅｌｙ               ｔｏ               ｈａｖｅ               ｄｉｆｆｅｒｅｎｔ               ｎｅｔｗｏｒｋｉｎｇ               ｏｐｐｏｒｔｕｎｉｔｉｅｓ.

Ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅ               ｉｓ               ｌｉｋｅｌｙ               ｍｕｃｈ               ｇｒｅａｔｅｒ               ｂｅｔｗｅｅｎ               ｓｃｈｏｏｌｓ               ｆｒｏｍ               ｏｂｖｉｏｕｓｌｙ               ｄｉｆｆｅｒｅｎｔ               "ｔｉｅｒｓ".

Ｔｈｉｓ               ｉｓ               ｗｈｅｒｅ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｓｈｏｕｌｄ               ｄｏ               ｈｉｓ/ｈｅｒ               ｈｏｍｅｗｏｒｋ               ｏｎ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ:
               1.

Ｗｈｉｃｈ               ｓｃｈｏｏｌ               ｏｆｆｅｒｓ               ｔｈｅ               ｍｏｓｔ               ｒｏｂｕｓｔ               ｐｒｏｇｒａｍ               ｔｈａｔ               ｆｉｔｓ               ｍｙ               ｍａｉｎ               ｉｎｔｅｒｅｓｔ?

               2.

Ｗｈｉｃｈ               ｓｃｈｏｏｌ               ｈａｓ               ａ               ｍｏｒｅ               ｒｏｂｕｓｔ               ｃａｒｅｅｒ               ｄｅｖｅｌｏｐｍｅｎｔ               ａｎｄ               ｐｌａｃｅｍｅｎｔ               ｐｒｏｇｒａｍ?

               3.

Ｄｏ               ｔｈｅ               ｔｗｏ               ｉｔｅｍｓ               ａｂｏｖｅ               ｊｕｓｔｉｆｙ               ｔｈｅ               ｐｒｅｍｉｕｍ               (ｉｆ               ａｎｙ)               ｉｎ               ｔｏｔａｌ               ｅｘｐｅｎｓｅｓ?
               Ａｌｔｈｏｕｇｈ               ｔｈｅ               ｃｈｏｉｃｅｓ               ｐｒｅｓｅｎｔｅｄ               ｔｏ               ｍｅ               ｗｅｒｅ               ｒａｔｈｅｒ               ｅｘｔｒｅｍｅ,               ｍａｎｙ               ｓｔｕｄｅｎｔｓ               ｔｏｄａｙ               ｌｉｋｅｌｙ               ｆａｃｅ               ｃｈｏｏｓｉｎｇ               ａｍｏｎｇ               ｍｕｌｔｉｐｌｅ               ｓｃｈｏｏｌｓ               ｆｒｏｍ               ｔｈｅ               ｓａｍｅ               ｔｉｅｒ.

Ｅｑｕａｌｌｙ               ａｓ               ｌｉｋｅｌｙ               ｉｓ               ｔｈａｔ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｈａｓ               ｌｉｔｔｌｅ               ｔｏ               ｎｏ               ｃｌｕｅ               ａｓ               ｔｏ               ｗｈａｔ               ｃａｒｅｅｒ               ｆｉｅｌｄ               ｔｏ               ｃｈｏｏｓｅ.

Ｕｎｄｅｒ               ｓｕｃｈ               ｃｉｒｃｕｍｓｔａｎｃｅｓ,               ｍｙ               ａｄｖｉｃｅ               ｉｓ               ｓｉｍｐｌｅ:               ｃｈｏｏｓｅ               ｔｈｅ               ｌｅａｓｔ               ｅｘｐｅｎｓｉｖｅ               ｏｐｔｉｏｎ               ａｓ               ｌｏｎｇ               ａｓ               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｓｔａｎｄａｒｄ               ｉｓ               ｉｄｅｎｔｉｃａｌ.

Ｂｅｃａｕｓｅ               ｏｎｃｅ               ａ               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｉｓ               ｔａｋｅｎ               ｏｕｔ,               ｔｈｅｒｅ               ｉｓ               ｎｏ               ｏｔｈｅｒ               ｏｐｔｉｏｎ               ｂｅｓｉｄｅｓ               ｐａｙｉｎｇ               ｉｔ               ｂａｃｋ.

Ｏｎ               ｔｈｅ               ｏｔｈｅｒ               ｈａｎｄ,               ｉｎｆｏｒｍａｔｉｏｎ               ａｃｑｕｉｓｉｔｉｏｎ               ａｎｄ               ａｐｐｌｉｃａｔｉｏｎ               ａｒｅ               ｂｏｔｈ               ｅｆｆｏｒｔｓ               ｏｆ               ｔｈｅ               ｓｔｕｄｅｎｔ.
               Ａｓ               Ａｂｒａｈａｍ               Ｌｉｎｃｏｌｎ               ｓａｉｄ:               "Ａｌｗａｙｓ               ｂｅａｒ               ｉｎ               ｍｉｎｄ               ｔｈａｔ               ｙｏｕｒ               ｏｗｎ               ｒｅｓｏｌｕｔｉｏｎ               ｔｏ               ｓｕｃｃｅｅｄ               ｉｓ               ｍｏｒｅ               ｉｍｐｏｒｔａｎｔ               ｔｈａｎ               ａｎｙ               ｏｔｈｅｒ               ｏｎｅ               ｔｈｉｎｇ."
               Ｏｎｅ               ｄｏｅｓ               ｎｏｔ               ｎｅｅｄ               ａｎ               ｅｘｐｅｎｓｉｖｅ               ｅｄｕｃａｔｉｏｎ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｏｂｔａｉｎ               ｃａｒｅｅｒ               ｓｕｃｃｅｓｓ               ａｎｄ               ｆｉｎａｎｃｉａｌ               ｉｎｄｅｐｅｎｄｅｎｃｅ.

Ｗｉｔｈ               ｃａｖｅａｔｓ,               ｏｆ               ｃｏｕｒｓｅ.

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