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Title: Is College Still Worth the High Price? Weighing Costs and Benefits of Investing in Human Capital

Citation Type: Miscellaneous

Publication Year: 2023

Abstract: Students have several options for life after high school, including enrolling in college, pursing a technical training program, starting a career, or enlisting for military service. While college has been a popular choice, college enrollment for recent high school graduates has dropped from its peak of 70% in 2009 to 61% in 2021. 1 In fact, some people are challenging the notion that college is the best route for the majority of students. A March 2023 survey found that only 42% of Americans believe college is worth the cost because it leads to better job opportunities and higher income, while 56% believe that earning a college degree is not worth the cost. That has changed a lot in 10 years: A 2013 study found that 53% believed college was a good decision, while 40% believed it wasn't. 2 Of course, attending college is an individual decision, as each person must weigh the costs and benefits of their options. While some costs of college are immediate (your tuition payments), the benefits are spread over an entire career. This article looks at the costs and benefits of a college education and explains the rate of return of going to college, viewing higher education as an investment. Economists often use the word investment to refer to spending on capital, but that does not mean just physical capital (tools and equipment); it can mean investment in human capital (educa-tion and training) too. Costs and Benefits of Attending College It's true that the cost of going to college has risen significantly in recent decades. The first row of Table 1 shows the average annual tuition for colleges and universities in 1980, 2000, and 2020. The last row of the table shows how much college tuition costs in terms of 1980 dollars, showing that in real (inflation adjusted) terms, attending college cost over twice as much in 2020 as it did in 1980.

Url: https://files.stlouisfed.org/files/htdocs/publications/page1-econ/2023/09/01/is-college-still-worth-the-high-price-weighing-costs-and-benefits-of-investing-in-human-capital_SE.pdf

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Authors: Scott A. Wolla, PhD; Guillaume Vandenbroucke, PhD

Publisher:

Data Collections: IPUMS USA

Topics: Education

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