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The troubling reality is that many who have taken on student loans relied on income-driven repayment plans to justify their education choices. Without these plans, individuals reflect on the decisions they made regarding their fields of study; many may not have pursued specific careers if they had understood the financial consequences involved.
The speaker makes it clear that the decision to pursue education should encompass both personal fulfillment and financial foresight—advising that prospective students should consider the actual economic viability of their chosen fields. Yet, many fell into the trap of leveraging easily accessible financing instead of making informed decisions about their educational investments.