{"id":15634,"date":"2022-12-16T06:18:00","date_gmt":"2022-12-16T12:18:00","guid":{"rendered":"https:\/\/www.fitbux.com\/articles\/?p=15634"},"modified":"2023-01-03T15:27:33","modified_gmt":"2023-01-03T21:27:33","slug":"how-much-college-debt-is-too-much","status":"publish","type":"post","link":"https:\/\/www.fitbux.com\/articles\/how-much-college-debt-is-too-much\/","title":{"rendered":"How Much College Debt Is Too Much"},"content":{"rendered":"<p>Its easy to see why one of the top Google searches is how much college debt is too much?\u00a0 After all, there is now <a href=\"https:\/\/www.forbes.com\/advisor\/student-loans\/average-student-loan-statistics\/\" target=\"_blank\">$1.6 trillion of college debt<\/a> in the United States.<\/p>\n<p>Many try to answer this question by comparing your expected increase in income post-graduation relative to the cost and say a break-even in less than 10 years is good.\u00a0 For example:<\/p>\n<ul>\n<li>If you are expecting your income to increase from $40k to $60k a year; and<\/li>\n<li>Cost of going to school is $100k.<\/li>\n<\/ul>\n<p>The break-even will be $100k\/$20k which equals 5 years (the $20k is $60k &#8211; $40k from above).<\/p>\n<p>This method of answering the question regarding how much college debt is too much is flawed however.\u00a0 It completely ignores risk factors to your finances.\u00a0 For example, various degrees reduce risk to employment more so than others.\u00a0 The higher you go, i.e. bachelors to masters, does the same thing.\u00a0 In short, risk to your income is not equal.<\/p>\n<p>In addition, it also ignores the <a href=\"https:\/\/www.fitbux.com\/articles\/sallie-mae-student-loan-review\/\">interest rate on your debt<\/a>.\u00a0 This can greatly increase or decrease the cost of debt.<\/p>\n<p>Another method I&#8217;ve seen says if your debt payments are 8% to 10% of your income, its worth it. This should put you on pace to pay off your college debt in about 10 years.\u00a0 However, this is also tremendously flawed due to the introduction of <a href=\"https:\/\/www.fitbux.com\/articles\/income-based-repayment\/\">income-driven repayment plans<\/a>.<\/p>\n<p>Therefore, both &#8216;traditional&#8217; methods of answering how much college debt is too much are flawed.<\/p>\n<h2>The Best Way To Answer The Question<\/h2>\n<p>The best way to answer how much college debt is too much is to incorporate the affects of risk to your income as well as how you repay your loans, i.e. incorporate the use of income-driven repayment plans.<\/p>\n<p>To do so, you have to calculate how much your <a href=\"https:\/\/www.fitbux.com\/articles\/human-capital-asset\/\">human capital<\/a> value increases or decreases by going to college and using debt to finance it.\u00a0 For example, if you say your going to have college debt of $100,000 and the value of your human capital decreases, then you are using too much debt!<\/p>\n<p>I provide more details of this below.<\/p>\n<h2>How To Calculate Human Capital<\/h2>\n<p>Calculating the value of your human capital is extremely difficult.\u00a0 However, we made it easy.<\/p>\n<p>To determine how much college debt is too much, we will be using <a href=\"https:\/\/www.fitbux.com\/financial-planning-college-students\/\">FitBUX&#8217;s technology. <\/a><\/p>\n<p>Some of the things involved in the human capital are your degree, income, amount of loans you have, your age, and even things such as whether you speak a second language.<\/p>\n<p>To see what your human capital value is, simply become a free member of <a href=\"https:\/\/www.fitbux.com\">FitBUX<\/a>, build your profile, then navigate to the net wealth section of your profile.\u00a0 If you want to see how much debt is too much, schedule a call with a <a href=\"https:\/\/www.fitbux.com\/fitbux-coach\/\">FitBUX Coach<\/a> and they can help you use our tools to figure it out.<\/p>\n<h2>Examples<\/h2>\n<p>Below I walk through a handful of examples so you can see how much college debt is too much.\u00a0 If you&#8217;d like to see actual examples, check out our <a href=\"https:\/\/www.fitbux.com\/articles\/physical-therapist-salary\/\">analysis on becoming a DPT<\/a>.<\/p>\n<h3>Scenario 1: Undergraduate With No College Debt<\/h3>\n<p>We need a base line to compare against. Therefore, this first scenario serves as our baseline.<\/p>\n<p>Assume you have an undergraduate degree making $48,000 a year and have no college debt.<\/p>\n<p>Your human capital value is $439,000.<\/p>\n<h3>Scenario 2: Graduate Degree With No College Debt<\/h3>\n<p>The second scenario will be someone with a graduate degree making $78,000 a year and no college debt.<\/p>\n<p>Your human capital value is $821,000.<\/p>\n<p>Therefore, the value of your graduate degree is $382k ($821k &#8211; $439k).\u00a0 Obviously, getting a graduate degree and not having college debt once your graduate is worth it.<\/p>\n<p>Now we will look at scenarios that include college debt<\/p>\n<h3>Scenario 3: Graduate With $100,000 In College Debt<\/h3>\n<p>The third scenario will be someone with a graduate degree making $78,000 a year but with $100,000 in college debt.<\/p>\n<p>Your human capital value would be $768,000.\u00a0 This is still significantly greater than our baseline in scenario 1 so you&#8217;d say yes, 100k in college debt for this graduate degree and $78k in starting pay is worth it.<\/p>\n<h3>Scenario 4: Graduate With $210,000 in Student Loan Debt<\/h3>\n<p>The fourth scenario will be someone with a graduate degree making $78,000 a year but with $210,000 in student loan debt.<\/p>\n<p>Your human capital value would be $460,000.\u00a0 Technically, this is still more than our scenario 1 baseline so it would be worth it.<\/p>\n<p>However, investing $210k and only getting an extra $21k in human capital value is a poor return on your investments.\u00a0 Therefore, we&#8217;d say $210k is too much college debt for this person.<\/p>\n<h2>Conclusion<\/h2>\n<p>How much college debt is too much is a complex question to answer.<\/p>\n<p>As I&#8217;ve shown above, the best way to answer the question is by examining the impact of college debt and the impact your future income has on the value of your human capital.<\/p>\n<p><a href=\"https:\/\/www.fitbux.com\/\">FitBUX<\/a> is here to help you. If you have any questions, become a\u00a0<a href=\"https:\/\/www.fitbux.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-auth=\"NotApplicable\" data-safelink=\"true\" data-linkindex=\"0\">FitBUX member<\/a> and we&#8217;d be happy to help.<\/p>\n<p><em>By David Hughes and reviewed by Joseph Reinke, <\/em><a href=\"https:\/\/www.cfainstitute.org\/\" target=\"_blank\"><em>CFA<\/em><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Its easy to see why one of the top Google searches is how much college debt is too much?\u00a0 After all, there is now $1.6 trillion of college debt in the United States. Many try to answer this question by comparing your expected increase in income post-graduation relative to the cost and say a break-even [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15730,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1901,7,1900],"tags":[2140,1930,2139,24,9],"class_list":["post-15634","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-behavior-archive","category-student-loans-archive","category-student-money-archive","tag-college-student","tag-current-students","tag-how-much-college-debt-is-too-much","tag-human-capital","tag-student-loans","post-wrapper","thrv_wrapper"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Much College Debt Is Too Much<\/title>\n<meta name=\"description\" content=\"How much college debt is too much should be answered by examining the impact to the value of your human capital post graduation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fitbux.com\/articles\/how-much-college-debt-is-too-much\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much College Debt Is Too Much\" \/>\n<meta property=\"og:description\" content=\"How much college debt is too much should be answered by examining the impact to the value of your human capital post graduation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fitbux.com\/articles\/how-much-college-debt-is-too-much\/\" \/>\n<meta property=\"og:site_name\" content=\"FitBUX Articles\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fitbuxofficial\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/groups\/FitBUXOfficialGroup\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-16T12:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-03T21:27:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fitbux.com\/articles\/wp-content\/uploads\/2022\/12\/How-much-college-debt-is-too-much.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"674\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Joseph Reinke, CFA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@fitbuxofficial\" \/>\n<meta name=\"twitter:site\" content=\"@fitbuxofficial\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joseph Reinke, CFA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/how-much-college-debt-is-too-much\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/how-much-college-debt-is-too-much\\\/\"},\"author\":{\"name\":\"Joseph Reinke, CFA\",\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#\\\/schema\\\/person\\\/1a5bd7a1ddaf4a003cde1ecc743e4cf7\"},\"headline\":\"How Much College Debt Is Too Much\",\"datePublished\":\"2022-12-16T12:18:00+00:00\",\"dateModified\":\"2023-01-03T21:27:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/how-much-college-debt-is-too-much\\\/\"},\"wordCount\":845,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/how-much-college-debt-is-too-much\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fitbux.com\\\/articles\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/How-much-college-debt-is-too-much.webp\",\"keywords\":[\"college student\",\"current students\",\"how much college debt is too much\",\"Human Capital\",\"Student Loans\"],\"articleSection\":[\"Behavior &amp; 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