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You don't need to get an advanced degree to be succesful in life.
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Its not all about being succesful in life, it's about the abilty to set goals and achive them.
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There are only so many fields (mainly a lawyer) where a law degree can ever begin to help you earn enough money to pay back the investment you are making.
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Any college degree will enable you to pay off student loans. Thats why they say it will pay off in the long run to graduate college, not the short run.