re: 1 out of 4 bachelor degrees and nearly half of masters degrees have a negative ROI

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This is exactly right. The person and what they bring, attitude especially, is going to be the most important thing in getting into and being successful at a career where you can make money.

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Work ethic, character, drive, the ability to seize an opportunity, and the determination to pick one’s self up and move forward after setbacks, these are traits that will make you successful regardless of a degree.