this post was submitted on 18 Jan 2026
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Interesting!
Would you know where to find just the average/median income of a household, instead of an individual?
That would be closer to the same rough math I'm doing with the US figures.
If you were to try to set this up for another scenario, not a family of 4, but say, a single mom or dad with one kid, well then all the numbers change significantly.
And yeah, the ... the whole mess of it is... who actually qualifies for what actual benefits, at what income levels?
A huge problem with the way the US is set up (the article goes into this) is that basically you end up with multiple glass ceilings that you have to break through.
You have to increase your income by substantial, not incremental amounts, for the net income gain to actually offset the benefits you now lose from only slightly breaching some income threshold.
So the whole system actually functions to disincentivize or punish people who... 'succeed' more... but not enough more.
Now, take that as your base scenario, and now... you tell me:
How much debt does it make sense for you to go into, to get a college degree, that... may or may not actually result in you either... staying at the same income level, only slightly breaching some threshold/glass ceiling, or perhaps, substantially breaching that threshold/glass ceiling?