副標(biāo)題：New data show a shockingly high proportion of courses are a waste of money本篇主要說(shuō)美國(guó)和英國(guó)本科以上學(xué)位的投資回報(bào)小。政府助推貸款導(dǎo)致價(jià)格上漲，名校為賺錢提供不確定回報(bào)的課程。
為什么人們想獲得碩士學(xué)位：“The number-one reason people get these degrees is insecurity,”?reckons Bob Shireman of the Century Foundation, a left-leaning?think-tank in New York. “The feeling that if they are going to get a?job—or keep their job—they need a master’s degree.” Yet on?average these provide a much smaller bump to wages than an?undergraduate degree does.但是碩士學(xué)位對(duì)提高工資作用不明顯
英美學(xué)費(fèi)越來(lái)越貴：Since 2000 the cost of postgraduate study in America has more than tripled in real terms, according to the Centre on Education and the Workforce at Georgetown University. In Britain domestic master’s students paid about ￡9,500 ($13,000) a year in 2021, some 70% higher than in 2011 after accounting for inflation.
英國(guó)數(shù)據(jù)表明本科直接畢業(yè)會(huì)更好：In 2019 analysts at the Institute for Fiscal Studies, a think-tank in London, concluded that one-fifth of undergraduates would be better off if they skipped university all together這是不鼓勵(lì)繼續(xù)深造的節(jié)奏啊
美國(guó)選擇碩士學(xué)科很重要：In America returns are especially large in computer science and in engineering. They are slightly smaller in other science subjects, in part because an undergraduate degree in these already bumps up salaries by quite a lot.有的學(xué)科回報(bào)高有的低
英國(guó)不同學(xué)科碩士學(xué)位回報(bào)區(qū)別：British men who complete master’s degrees in politics earn 10% less in their mid-30s than peers who do the same subject at undergraduate level only. For history the hit to earnings is around 20%; for English it is close to 30%
選擇好的學(xué)校并不那么重要：“Brand-name schools have realised that they can trade on their reputation to offer programmes that look very prestigious on paper,” says Dr Cooper, “but which don’t have outcomes that justify the hype.”可能名校為了賺錢提供水課。一個(gè)例外MBA courses are a notable exception: graduates from the most celebrated institutions make far more than everyone else.?
在英國(guó)女性更有可能通過(guò)攻讀碩士學(xué)位來(lái)提高收入：The British study finds that these qualifications increase earnings for women in 14 out of 31 subject areas; for men that is true in only six of them.
政府助推貸款導(dǎo)致提高成本：In 2016 master’s students in Britain became eligible for government-backed loans with generous repayment terms. America’s federal government limits how much it will lend to undergraduates—but since 2006 has allowed postgraduates to borrow whatever their universities choose to charge. In both cases easy money has led to price inflation.
