It’s true. College graduates on average earn more than people without degrees. A lot more.
Over a lifetime, college grads earn about $1.19 million – twice as much as high school grads ($580,000).
But here’s what many students and families are scared to say out loud:
“What if I’m not average? What if college doesn’t pay off for me?”
It’s not just a hypothetical. While most graduates do fine, some don’t.
Some Graduates Fall Behind. Way Behind.
Even among college grads, earnings vary wildly depending on major, school, and career path. Check this out:
Caption: Some graduates earn millions more than others – just based on what they studied or where they went to school. Student Loan Insurance helps protect you in case you’re on the lower end of that scale.
That means a graduate in the bottom 20% may earn less than half of what their higher-earning peers make – despite taking on the same types of loans to get their degree.
Fear of Debt Can Backfire
It’s no wonder many families across the country are choosing lower-cost schools just to avoid student loans.
But here’s what the data shows:
Students who attend lower-cost, lower-return colleges are 7x more likely to default on their loans than those who attend higher-cost, higher-return schools (18% vs. 2.5%).
This “tuition myopia”— focusing on short-term savings — can lead to:
- Lower future earnings
- More loan defaults
- Career compromises
Student Loan Insurance = Peace of Mind
Let’s be clear: Student Loan Insurance isn’t for the average outcome.
It’s for the students who fall into the bottom 20%. The ones who do everything right — and still struggle to earn enough.
Trouble is, you can’t predict the future. But you can protect it.
Student Loan Insurance is simple –
- If you earn a low income after college, Student Loan Insurance helps repay your federal, private, and parent PLUS loans.
- In other words, the less you make, the more help you get.
It’s a safety net – just in case you need help.
The Worry Is Real. So Is the Solution.
Families are right to worry. Student debt can feel like a gamble – and the fear of “being the exception” is valid.
But you don’t have to bet everything.
With Student Loan Insurance, you can choose the right college – not just the cheapest – and chase the future you want, not just the one you can afford.
