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Crash Course 1: Random selection of lessons., 06b. Economics of Education: Crash Course Economics #23. Part 2/2.

06b. Economics of Education: Crash Course Economics #23. Part 2/2.

Adriene: Thanks Thought Bubble. Okay, so we know that there are significant financial benefits to completing college. But what about the costs? Going to college can be really expensive. Often more than most families can afford. In the US, students have over 1 trillion dollars of debt. That's more than Americans owe on their cars or their credit cards! More students are attending college than ever, and more of those students are paying for at least part of their education with loans. In 2012, almost 70 percent of students took out loans to pay for tuition, and the median amount they borrowed was around 27,000 dollars.

By comparison, in 1993, the median amount students borrowed was around 12,500 dollars. And that's just the median. So even if some of the hand-wringing over the total amount of student debt is overblown, the average student really is taking on a larger burden.

So, this is all thanks to higher tuition, right? Well, not exactly. At four-year public universities, the average cost of tuition, room and board has gone from $10,600 dollars in 1994 to $18,900 in 2014, when you adjust for inflation. The average tuition at comparable private universities has risen from $26,500 to $42,400 during the same period.

But that rising tuition number is the “sticker price” for college – in fact, most students receive very substantial discounts. Students from wealthy families, with not-so-great SAT scores might pay that full sticker price, but once you factor in cost reductions from scholarships, fellowships, grants and other sources, many students pay substantially less. Once you adjust for discounting, the rise in net tuition has been kind of modest.

So, why all the debt? Well, for-profit colleges and universities might be contributing to this. Students at these schools tend to take on more debt than students at public schools or private non-profits. It's also possible that student debt is rising because graduate school enrollment is up. And grad students borrow more than undergrads.

Another reason tuitions are increasing is because the actual cost of running a college is higher than a few decades ago. As some schools compete for students and their money, some of them build luxurious dorms, climbing walls and gourmet dining to attract revenue. Another possibility is that colleges now employ more administrators and pay them a whole bunch of money.

Jacob: So, in cold, hard, merciless dollars, does it make sense to spend – or borrow - a bunch of money on a college degree? Well, it depends a lot on the degree you get, but on average the answer is, yes -- as long as you finish!

Many of the worst student-debt horror stories involve students who racked up large debt, but were unable to finish college. And that's surprisingly common: Every year in the US, 60% of high-school graduates enroll in college, but only a little over half actually graduate within 6 years. That's right: only half. But what about students that don't have the means or the inclination to go to a four-year university? Are they doomed to live in squalor? Well, no, but again better money can be found in careers that require specific training and skills, which can be learned through a community college or through an apprenticeship. The average car mechanic earns $40,000 a year; the average plumber earns $50,000; and the average electrician $55,000. And as more young people opt to go to college and as older people in these careers retire, most economists expect these wages to rise.

So what is the final conclusion? Is college even worth it? Well, I guess in the end, we have to say, it depends. It depends on where you go to school; how much you pay for your degree; and it depends on what degree you get. And, of course, on what you want to do with your life.

Adriene: Education isn't just another thing that you buy. It isn't only about individual gain. There's a social aspect, too. We want everyone to have access to quality education because having an educated populace benefits all of us. Education can also be a powerful tool when it comes to reducing poverty and addressing income inequality, and we're gonna talk about that next time. Thanks for watching!

Jacob: Thanks for watching Crash Course Economics. It was made with the help of all these nice people. You can help keep Crash Course free, for everyone forever by supporting the show at Patreon. Patreon is a voluntary subscription service where you can support the show with a monthly contribution. Thanks for watching!

DFTBA [Don't Forget to be Awesome].

06b. Economics of Education: Crash Course Economics #23. Part 2/2. 06b. Ökonomie der Bildung: Crashkurs Wirtschaft #23. Teil 2/2. 06b. Economía de la educación: Crash Course Economics #23. Parte 2/2. 06b. L'économie de l'éducation : Cours accéléré d'économie n°23. Partie 2/2. 06b. Economia dell'istruzione: Corso accelerato di economia #23. Parte 2/2. 06b.教育の経済学クラッシュコース・エコノミクス #23.パート2/2 06b. 교육의 경제학: 크래시 코스 경제학 #23. 파트 2/2. 06b. Švietimo ekonomika: Ekonomikos greitasis kursas Nr. 23. 2/2 dalis. 06b. Economia da Educação: Crash Course Economics #23. Parte 2/2. 06b. Экономика образования: Краткий курс экономики №23. Часть 2/2. 06b. Eğitim Ekonomisi: Crash Course Economics #23. Bölüm 2/2. 06b. Економіка освіти: Прискорений курс економіки #23. Частина 2/2. 06b。教育经济学:经济学速成课程#23。第 2/2 部分。 06b。教育經濟學:經濟學速成課程#23。第 2/2 部分。

Adriene: Thanks Thought Bubble. Okay, so we know that there are significant financial benefits to completing college. But what about the costs? Going to college can be really expensive. Often more than most families can afford. In the US, students have over 1 trillion dollars of debt. That's more than Americans owe on their cars or their credit cards! C'est plus que ce que les Américains doivent à leur voiture ou à leur carte de crédit ! More students are attending college than ever, and more of those students are paying for at least part of their education with loans. Les étudiants sont plus nombreux que jamais à fréquenter l'université, et ils sont plus nombreux à payer au moins une partie de leurs études au moyen de prêts. In 2012, almost 70 percent of students took out loans to pay for tuition, and the median amount they borrowed was around 27,000 dollars.

By comparison, in 1993, the median amount students borrowed was around 12,500 dollars. And that's just the median. So even if some of the hand-wringing over the total amount of student debt is overblown, the average student really is taking on a larger burden. Ainsi, même si l'on exagère quelque peu l'importance du montant total de la dette étudiante, l'étudiant moyen assume réellement un fardeau plus lourd.

So, this is all thanks to higher tuition, right? Tout cela est donc dû à l'augmentation des frais de scolarité, n'est-ce pas ? Well, not exactly. At four-year public universities, the average cost of tuition, room and board has gone from $10,600 dollars in 1994 to $18,900 in 2014, when you adjust for inflation. The average tuition at comparable private universities has risen from $26,500 to $42,400 during the same period.

But that rising tuition number is the “sticker price” for college – in fact, most students receive very substantial discounts. Mais cette hausse des frais de scolarité n'est que le "prix d'appel" de l'université - en fait, la plupart des étudiants bénéficient de réductions très importantes. Students from wealthy families, with not-so-great SAT scores might pay that full sticker price, but once you factor in cost reductions from scholarships, fellowships, grants and other sources, many students pay substantially less. Les étudiants issus de familles aisées, dont les résultats au test SAT ne sont pas très bons, peuvent payer le prix fort, mais une fois que l'on tient compte des réductions de coûts dues aux bourses, aux allocations, aux subventions et à d'autres sources, beaucoup d'étudiants paient beaucoup moins. Once you adjust for discounting, the rise in net tuition has been kind of modest. Une fois l'actualisation prise en compte, l'augmentation des frais de scolarité nets a été plutôt modeste.

So, why all the debt? Alors, pourquoi toute cette dette ? Well, for-profit colleges and universities might be contributing to this. Les établissements d'enseignement supérieur à but lucratif pourraient y contribuer. Students at these schools tend to take on more debt than students at public schools or private non-profits. Les étudiants de ces écoles ont tendance à s'endetter davantage que les étudiants des écoles publiques ou des organisations privées à but non lucratif. It's also possible that student debt is rising because graduate school enrollment is up. Il est également possible que la dette étudiante augmente en raison de la hausse des inscriptions dans les établissements d'enseignement supérieur. And grad students borrow more than undergrads. Et les étudiants diplômés empruntent plus que les étudiants de premier cycle.

Another reason tuitions are increasing is because the actual cost of running a college is higher than a few decades ago. L'augmentation des frais de scolarité s'explique également par le fait que le coût réel de fonctionnement d'une université est plus élevé qu'il y a quelques décennies. As some schools compete for students and their money, some of them build luxurious dorms, climbing walls and gourmet dining to attract revenue. Alors que les écoles se disputent les étudiants et leur argent, certaines d'entre elles construisent des dortoirs luxueux, des murs d'escalade et des restaurants gastronomiques pour attirer les revenus. Another possibility is that colleges now employ more administrators and pay them a whole bunch of money.

Jacob: So, in cold, hard, merciless dollars, does it make sense to spend – or borrow - a bunch of money on a college degree? Jacob : Donc, en dollars froids, durs et impitoyables, est-il judicieux de dépenser - ou d'emprunter - un tas d'argent pour obtenir un diplôme universitaire ? Well, it depends a lot on the degree you get, but on average the answer is, yes -- as long as you finish! Cela dépend beaucoup du diplôme que vous obtenez, mais en moyenne, la réponse est oui - tant que vous terminez !

Many of the worst student-debt horror stories involve students who racked up large debt, but were unable to finish college. La plupart des pires histoires d'horreur liées à la dette étudiante concernent des étudiants qui ont accumulé des dettes importantes, mais qui n'ont pas été en mesure de terminer leurs études. And that's surprisingly common:  Every year in the US,  60% of high-school graduates enroll in college, but only a little over half actually graduate within 6 years. Et c'est étonnamment courant : chaque année aux États-Unis, 60 % des diplômés du secondaire s'inscrivent à l'université, mais seulement un peu plus de la moitié d'entre eux obtiennent leur diplôme dans les six ans qui suivent. That's right: only half. But what about students that don't have the means or the inclination to go to a four-year university? Mais qu'en est-il des étudiants qui n'ont pas les moyens ou l'envie d'aller dans une université de quatre ans ? Are they doomed to live in squalor? Well, no, but again better money can be found in careers that require specific training and skills, which can be learned through a community college or through an apprenticeship. Non, mais il est possible de gagner plus d'argent dans des carrières qui requièrent une formation et des compétences spécifiques, qui peuvent être acquises dans un établissement d'enseignement supérieur ou dans le cadre d'un apprentissage. The average car mechanic earns $40,000 a year; the average plumber earns $50,000; and the average electrician $55,000. And as more young people opt to go to college and as older people in these careers retire, most economists expect these wages to rise. Et comme de plus en plus de jeunes choisissent d'aller à l'université et que les personnes plus âgées exerçant ces carrières partent à la retraite, la plupart des économistes s'attendent à ce que ces salaires augmentent.

So what is the final conclusion? Is college even worth it? L'université en vaut-elle la peine ? Well, I guess in the end, we have to say, it depends. En fin de compte, nous devons dire que cela dépend. It depends on where you go to school; how much you pay for your degree; and it depends on what degree you get. And, of course, on what you want to do with your life.

Adriene: Education isn't just another thing that you buy. It isn't only about individual gain. Il ne s'agit pas seulement de gains individuels. There's a social aspect, too. We want everyone to have access to quality education because having an educated populace benefits all of us. Nous voulons que chacun ait accès à une éducation de qualité, car une population éduquée est bénéfique pour tous. Education can also be a powerful tool when it comes to reducing poverty and addressing income inequality, and we're gonna talk about that next time. L'éducation peut également être un outil puissant lorsqu'il s'agit de réduire la pauvreté et de s'attaquer aux inégalités de revenus, et nous en parlerons la prochaine fois. Thanks for watching!

Jacob: Thanks for watching Crash Course Economics. It was made with the help of all these nice people. You can help keep Crash Course free, for everyone forever by supporting the show at Patreon. Patreon is a voluntary subscription service where you can support the show with a monthly contribution. Thanks for watching!

DFTBA [Don't Forget to be Awesome].