It ' s half sarcasm , half truth . I ' m not mocking you , I ' m mocking the fact that this is something we now have to take seriously . <| sep |> Any idea man ? <| sep |> I like that you ' re looking towards the future , but there are some problems with your plan . As someone who ' s made some of the mistakes before let me try to give you some advice . Well for one , almost no one pays for their graduate degree . If you ' re planning on going into industry , you start work about 2 years before you finish you bachelors then your company should pay for your masters . Also degrees in business are sort of like degrees in jerking other guys off . You ' ll get paid well , but you ' ll have a lot of trouble convincing anyone but other business majors that you ' re contributing to society in any meaningful way because you won ' t be , you worthless scrub . As for STEM degrees take it from me the last thing you want to do is get a degree in a buzz word like nanotechnology . Stick to degrees your grandparents have heard of namely Physics , Chemistry , Biology , Computer Science , and Mathematics plus a few well known types of engineering like electrical or civil . I won ' t give you shit for staying in your parents home hell I would if I could but you should know most universities require you to stay in their relatively expensive dorms until you are a junior . That said , you can and should go to community college . In part for the price saving and in part for circumventing that rule . You should never have anywhere near $ 100 k in debt unless you ' re just plain stupid . Idk maybe you did horrible in primary school , but still if you do good in community college you should be a little better off with scholarships and such . Fun fact , but last I checked tuition itself hasn ' t changed all that much when you account for inflation . It ' s actually all the frivolous bullshit schools try to sell you . But I can help you get around that ! We already talked about community college , and that should allow you to avoid those first two years in dorms and save you a pretty penny . You ' ll also want to pirate all your textbooks believe it or not most classes don ' t even need them I could rant for days about how this is a thousand times more moral than the predatory practices textbook companies and schools take place in , but all you need to know is that shit gets pirated . Next remember you don ' t need to go to some fancy private school . Idk if you ' re aiming for something like Harvard or Yale , but I can tell you that school ' s rankings don ' t mean dick actually they are a pretty good indicator of how many rich people go there , and I suppose if you ' re in business that might matter to you , but please choose a career where you actually contribute to society not that circle jerk for flunkies of rich folks . Go to an instate school and spend those twoish years after community college either doing research or working for a company who will pay for your graduate studies . You might be able to break even with that set up . Two more years in graduate school and you have a total of four years of hell , but no debt and a solid career . You didn ' t mention it , but for sake of completeness I ' ll add that you also don ' t need to waste your time getting a phd if you are in industry . You need the masters , but a phd won ' t help you anymore than actual quality experience in industry no matter who says it will . If you can manage all this and still be in your parents home preferably not paying rent , you ' ll first house will likely be of the same quality as your parents ' house . This is successfully navigating the class bias of academia . Most people don ' t have the guidance usually in the form of a parent ' s experience to get through all this , so I ' ve actually been wanting to make a post like this for a while . I do hope you take it to heart .