Is university worth it, or is university a scam?
How valuable is a degree, and what degree should I choose?

These are very important questions you must ask yourself when deciding whether or not you should go to university.

I’ve spoken to so many people about this topic and I break it all down in this video.

NOTE: this video is primarily for those in England, but some information I discuss applies to the US as well.


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ARE STUDENT LOANS WORTH IT?
I don’t think student debt should be a major concern – at least not if you are in England. Here’s how student loans work in England: you begin by choosing your repayment plan. Plans 1 & 2 will only have you paying 9% of your income that goes above the threshold (£25.72k) every month. The threshold is the amount of money you are expected to earn a year before you start paying back student loans. On an income of £40k you will only be repaying £1,285 a year. It’s not a lot, and it all gets written off after 30 years anyway. So what’s my biggest concern with going to university…?

WHAT DEGREE SHOULD I DO?
Choosing your degree is the most important factor in this debate. There are so many people that will choose a degree because of parental pressure, societal pressure, or pressure from their friends. They will choose a degree because it looked “fun”, or it seemed “interesting”, but a lot of people do not ask themselves: what career do I want to get into? And even more importantly: do I need this degree to get into a career?

SHOULD YOU TAKE A GAP YEAR?
One of my biggest solutions to not knowing whether or not you should go to university, and what degree you should pick is taking a gap year. I know it works slightly different in the US, but in England you are given the choice to take a year off after sixth form (otherwise known as a “gap year”). Take it.

WHAT SHOULD I DO IN A GAP YEAR?
A few of my recommendations are reading, getting a job, going to networking events, and travelling. Generally, you want to experiment and try different things. It’s important to see what you enjoy and are more inclined towards, which can aid you in making a decision on what career you want to get into. Once you know what career you would like to go down, check to see if you need a degree to start working in that field. If you don’t, then it may be that going to university is not needed for you to get a job.

WHAT IS THE VALUE OF A DEGREE?
Grade inflation is a big problem that universities are tying to tackle. More than half of university students are leaving with a first, or a 2:1. To add to that, the student cap that once prevented universities from letting in as many students as they liked has now been removed. Removing the student cap has increased competition between universities, and now it’s become a major competition to get as many students in as possible.
This all becomes problematic when you look at how employable a degree makes you. The more graduates with top classifications there are, the less an employer can differentiate between who is truly the best, and who is not. My personal opinion is that a degree can get you a foot in the door for a job, but that is as far as it goes. The rest is up to how you perform in the interview.
I would even go as far as to say that some employers (depending on the career) prefer non-graduates, so that they are coming into the company with a ‘clean slate’ and can be moulded through the company and not already enter the job with pre—conceived ideas and notions on how that company may or may not function.


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