Do research on what the average salary is of someone with the degrees that interest you. review the degree expected salary to what you can get at an equivalent annual minimum wage or high school educated job. if the degree doesnt at least pay more then dont select it. also, dont spend $200,000 on educatuion that will give you a$30000 a year starting salary. you will never get out of debt. Be smart... the reason you are going to school is to get a job afterwards. treat your time and money spent there as a business expense. you have to get a positive return on your investment.