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Additionally, many students fail to graduate in the traditional four years, which means that they add an additional year’s tuition onto the already-heaping pile of debt. Students–or their parents and co-signers–must pay it back.In some cases, parents report that they have put their retirement funds into their kids’ college education, something leading financial analysts do not recommend.Too often students choose colleges based on emotion. This feature helps lay out some options that families might not consider when thinking about a four-year investment in college.

In business and education, in order to be successful, we plan backwards–I must define my stated goal, then deconstruct it to know the resources, instruction, staff, or materials I’ll need to get there. Oftentimes, students do not think in this way when going to college. For example, is my study of Mandarin using Rosetta Stone less measurable than my Russian language studies in the traditional college setting?

They simply study things they love without a plan, which hurts them at job time. What defines real, measurable, and authentic skill as recognized by an employer?

In my classroom experience, I have found many students who do not understand these obligations.

More than one student has asked me, personally, to cosign college loans, not understanding the gravity of that commitment.

Spurred on by the nation’s recent economic troubles and the heavy burden of student loan debt, the “uncollege” movement is producing thinkers who feel education is a life-long endeavor and that students don’t necessarily need structured, formal college-level education to succeed.

Advances in technology, like MOOCs and online learning such as Khan Academy, Udemy and Coursera can provide solid learning opportunities for little or no money.

Debate: For the College-Bound, Are There Any Safe Bets? If the post-recession economy makes it less so, as grads continue to list themselves as “underemployed,” what can the college-bound do to bolster their chances of success?

Professor Maggie Messitt discusses trends and employment forecasts, helping students to think through some college and major choices that may give them a leg up against the competition. A growing number of experts are saying college is completely unnecessary, and that technology is leading us into a learner revolution.

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