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

You clearly don't know much about an undergrad science degree, it has unlimited options. The under grad degrees opens many doors and you generally begin to accelerate after about 2 years of experience if you're willing to move and/or aggressive to advance your career. The Masters/PHD really is of no benefit/required except to teach college or some R&D positions.