Взять большой студенческий кредит на 4-летнюю степень vs. выбрать более дешёвый путь образования
Если вы действуете
Влезть в крупный кредит ради четырёхлетнего диплома
44%
Если вы бездействуете
Выбрать более дешёвый путь обучения
59%
Доля тех, кто впоследствии жалеет о каждом выборе. Столбцы и полный реестр показаны ниже.
Финансы
Последнее обновление 2026-05-13
Качество доказательств 4.38/5
Оценка по восьми измерениям согласно
рубрике качества
. Каждое измерение оценивается от 1 до 5.
D1 Проверка источников
4/5
D2 Авторитетность и независимость источника
5/5
D3 Точность уровня сожаления
3/5
D4 Сопоставимость источников
3/5
D5 Шаблон Гиловича
5/5
D6 Качество текста
5/5
D7 Полнота оговорок
5/5
D8 Качество выборки
5/5
Среднее4.38/5
Косвенные данные — для этого решения не существует прямого исследования сожалений. Показатели получены из оценок удовлетворённости и данных о барьерах доступа, а не из вопросов, непосредственно касавшихся сожалений. Смотрите оговорки ниже.
Сожаление о действии
Влезть в крупный кредит ради четырёхлетнего диплома
44%
44% опрошенных взрослых в США сожалеют о своей специальности в колледже — косвенный показатель сожаления о долговом пути, а не прямая мера
Взрослые США с 4-летними колледж-степенями
ретроспективно, без фиксированного периода
Сожаление о бездействии
Выбрать более дешёвый путь обучения
59%
59% взрослых в США, имеющих незаконченное высшее образование без диплома, изменили бы хотя бы одно решение об образовании
Взрослые США, не завершившие 4-летнюю колледж-степень
ретроспективно, без фиксированного периода
% сожалеют об этом выборе
Влезть в крупный кредит ради четырёхлетнего дипломаВыбрать более дешёвый путь обучения
44%59%
inaction dominates — Бездействие преобладает — большинство сожалеет, что не действовали.
Похожие решения
Семантически близкие решения — та же область, другие компромиссы.
Вкладывать в фондовый рынокДержать деньги на сбережениях
15%48%
Преобладает бездействие
Сожаление о бездействии в 3.2× выше
A 2023 Dreambound survey of over 1,000 US adults found that 44% regret their college major (49% among bachelor’s-degree holders). This is only a proxy for regret about the debt-financed degree path: the survey’s own top reason for regret was a mismatch of interest (56% wished they had studied something they found more interesting), well ahead of finance-linked reasons such as a lack of job opportunities (23%) or low pay (21%). On the inaction side, the 2017 Gallup/Strada survey of nearly 90,000 US adults found that 59% of those with some college but no degree would change at least one of their education decisions — the group that most closely maps to people who pursued a cheaper path and stopped short of a 4-year degree. The resulting delta (-0.15) places this entry in the inaction_dominates category, but the two figures measure different constructs and the gap is sensitive to how each side is framed.
The Federal Reserve’s 2022 Survey of Household Economics and Decisionmaking adds context on the action side: 47% of adults who attended college said they would have completed more education in hindsight, and 15% of borrowers with debt from their own education were behind on payments or in collections. A Fortune report on a 2025 ResumeGenius survey of Gen Z workers found that one in four wished they had not gone to college or had chosen a more financially rewarding field. These figures frame the question differently — attainment regret, payment strain, and college-or-not regret are each distinct from regretting the debt itself — but together they point to a mismatch between major choice, debt load, and labor-market outcomes as the recurring theme.
The inaction-side 59% should be read carefully. Gallup’s “some college, no degree” group includes people who chose trade or vocational paths deliberately and are satisfied with them, people who lacked access due to cost or location, and people who entered the military or workforce directly; the 59% is a broad “would change at least one education decision” measure, not specifically “I regret not getting a 4-year degree.” The wage premium for a 4-year degree over vocational qualifications varies substantially by field: licensed trades (electricians, HVAC technicians, plumbers) show compressed wage gaps relative to many humanities or social science degrees, while technology, healthcare, and finance fields show larger premiums. Because the inaction proxy casts a wider net than the action proxy’s major-only frame, the inaction_dominates direction is directional rather than precise.
Источники: действие
Реестр утверждений
Каждое число ниже — это то, что сообщил источник, с дословной цитатой, на которую мы опирались, и тем, как мы пришли к нашей цифре. Нажмите на ссылку, чтобы проверить самостоятельно.
2/3 источников независимо дословно сверены с указанным источником
[1]Dreambound — 2023 College Major Satisfaction Survey↗ 1 other entry
Первичное исследование
44% of US adults regret their college major (49% of bachelor's-degree holders)
Выдержка
“"Over 4 in 10 (44%) of U.S. adults regret their college major. While 23 percent cite a lack of job opportunities and 21 percent report low pay as the source of their misgivings, 56 percent simply wish they'd studied subjects that actually interested them. 49% of those with a Bachelor's Degree regret what they studied in college."
”
Данные источника:
2023-10-01
Дата обращения
2026-05-13
Расчёт
Dreambound 2023 survey of over 1,000 US adults (surveyed October 2023 via the Prolific platform); 44% of all respondents and 49% of bachelor's-degree holders regret their college major. This measures major-selection regret, which is a PROXY — not a direct measure — for regret about the debt-laden degree path. A person can regret their major while still valuing the degree credential and the debt taken on for it, so this figure likely overstates regret about the debt itself. The survey's own top reason for regret is a mismatch of interest (56%), not finances (lack of jobs 23%, low pay 21%).
[2]Federal Reserve — Economic Well-Being of U.S. Households in 2022 — Higher Education and Student Loans
Проверено
↗ 1 other entry
Правительственный отчёт
47% of adults who attended college would have completed more education in hindsight; 15% of borrowers were behind on student-loan payments or in collections
Выдержка
“"Forty-seven percent of adults who attended college (and either completed at least an associate degree or were not currently enrolled) said that they would have completed more education in hindsight. ... Fifteen percent of borrowers with debt from their own education reported that they were behind on payments or in collections for one or more of their student loans."
”
Данные источника:
2023-05-01
Дата обращения
2026-05-13
Проверка
Выдержка независимо повторно загружена и подтверждена слово в слово по указанному источнику в ходе нашей проверки достоверности.
Расчёт
Federal Reserve SHED 2022 data (released May 2023). The 47% "would have completed more education" figure speaks to education-attainment regret broadly rather than to debt-financed 4-year-degree regret specifically. The 15% behind-on-payments / in-collections figure captures financial strain from the debt itself and is used as a corroborating source for the action-side picture; it is not a direct regret measure.
[3]Fortune — Gen Z has regrets: 1 in 4 say they wish they hadn't gone to college or would've picked a higher-paying industry
Проверено
Авторитетный справочник
1 in 4 Gen Z adults wish they had not gone to college or had chosen a higher-paying field (ResumeGenius survey of 1,000 Gen Z workers, 2025)
Выдержка
“"One in four Gen Z adults say they regret going to college or wish they had chosen a higher-paying field like tech, finance, engineering, or health care. Financial concerns -- specifically the cost of tuition relative to early-career earnings -- were the most commonly cited reasons for regret. A Tallo survey of more than 2,000 adults aged 18-30 found 62% are not in the career they intended to pursue."
”
Данные источника:
2025-07-20
Дата обращения
2026-05-14
Проверка
Выдержка независимо повторно загружена и подтверждена слово в слово по указанному источнику в ходе нашей проверки достоверности.
Расчёт
Fortune reporting on Gen Z college regret (July 2025), citing ResumeGenius survey of 1,000 full-time Gen Z workers. The original URL (fortune.com/education/articles/gen-z-college-regret/) returned HTTP 404; updated to the live canonical URL. Source date corrected from 2024 to 2025. The 1-in-4 figure (25%) captures the narrower subset who regret the college-or-not decision, not just the major choice. Used as context for the broader action-side regret pattern; the 44% major-regret figure from Dreambound is used as the primary regret rate.
Источники: бездействие
Реестр утверждений
Каждое число ниже — это то, что сообщил источник, с дословной цитатой, на которую мы опирались, и тем, как мы пришли к нашей цифре. Нажмите на ссылку, чтобы проверить самостоятельно.
[1]Gallup — Half of U.S. Adults Would Change at Least One Education Decision↗ 3 other entries
Первичное исследование
59% of US adults with some college but no degree would change at least one of their education decisions; 51% of all US adults would change at least one aspect
Выдержка
“"Fifty-one percent of U.S. adults would change at least one aspect of their education experience. ... Those with some college, but no degree, are the most likely to say they would change at least one of their education decisions, 59%. ... Those with some college, but no degree, ... are the most likely to have second thoughts about their major, 42%."
”
Данные источника:
2017-08-01
Дата обращения
2026-05-13
Расчёт
Gallup/Strada Education Consumer Pulse survey of 89,492 US adults (interviews June 2016–March 2017). The inaction-side population for this decision — people who pursued a cheaper path and stopped short of a 4-year degree — maps most closely to the "some college, but no degree" group, of whom 59% would change at least one education decision. This is the best available proxy for inaction regret; it is a "would change something" measure, not a direct "regret choosing the cheaper path" measure, and includes those who would change their institution or major rather than their degree level.
Оговорки
Both sides are PROXIES — no survey directly asks people whether they regret taking on (or avoiding) student debt for a 4-year degree, so the two numbers measure different constructs and are not strictly comparable. The action-side 44% measures major-selection regret among degree holders, not regret about the debt itself; a person who regrets their major may still believe the degree and its associated debt were worthwhile, and the survey's own top reason for regret is a mismatch of interest (56%), not finances. The Federal Reserve's 47% "would have completed more education in hindsight" and 15% behind-on-payments figures, and the Fortune/Gen Z 25% "wish I hadn't gone to college" figure, frame the question differently again. The inaction-side 59% is the Gallup "some college, but no degree" group that would change at least one education decision — a broad "would change something" measure that includes those who would change their institution or major rather than obtain a 4-year degree, and that includes people who chose vocational routes for non-financial reasons (military service, early family formation) or faced access barriers. Because the inaction proxy is a wider "would change anything" net than the action proxy's "major-only" frame, the inaction_dominates direction (delta -0.15) is sensitive to how each side is operationalised and should be read as directional, not precise. The wage premium for a 4-year degree over vocational qualifications is highly field-dependent: trades with licensed certifications (electricians, plumbers, HVAC technicians) show smaller wage gaps than roles requiring professional degrees. Both sides are distinct from the existing go-to-college-vs-skip entry, which covers the binary attend-vs-not decision; this entry focuses on the path choice (high-debt 4-year degree vs. community college, trade school, or employer apprenticeship) among people who pursued some form of post-secondary education.
