GITNUXREPORT 2026

College Graduate Statistics

A college degree significantly improves employment outcomes and future earnings potential.

Sarah Mitchell

Senior Researcher specializing in consumer behavior and market trends.

First published: Feb 13, 2026

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Statistic 1

Average student loan debt for 2023 graduates was $37,100 per borrower.

Statistic 2

45% of bachelor's degree recipients in 2022 had student debt averaging $29,800.

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Total U.S. student loan debt held by college grads reached $1.75 trillion in 2023.

Statistic 4

Public 4-year college grads average debt $28,400, private nonprofit $32,500 in 2022.

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56% of 2022 grads took federal loans, median balance $20,000.

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Women college grads hold 58% of total student debt despite being 57% of grads.

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Black bachelor's grads average $43,000 debt in 2022, 1.5x white grads' $29,000.

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Default rate on student loans for grads 5.7% within 3 years cohort 2018.

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10-year repayment time average for $30,000 debt at 5% interest.

Statistic 10

For-profit college grads average $48,000 debt, highest among institutions.

Statistic 11

70% of professional degree grads have debt averaging $150,000 in 2022.

Statistic 12

Monthly payment for average grad debt $393, delaying homeownership by 7 years.

Statistic 13

Community college grads average debt $13,000, lowest among sectors.

Statistic 14

Delinquency rate 11.3% for undergrad loans among grads in 2023.

Statistic 15

STEM majors average $25,000 debt vs $35,000 humanities.

Statistic 16

Forgiveness programs covered $150B debt for 4M grads by 2023.

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Private loan debt averages $40,000 for grads using them.

Statistic 18

20% of grads with debt >$50,000, income-to-debt ratio 2.5:1.

Statistic 19

Public 2-year grads debt $15,200 median in 2022.

Statistic 20

Law school grads average $145,000 debt, 90% borrow.

Statistic 21

Debt burden delays marriage 2 years, children 1.5 years for grads.

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33% of grads with debt report hardship, skipping meals.

Statistic 23

Med school grads $200,000 average debt in 2023.

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62% of federal loan borrowers grads in repayment struggled in 2022.

Statistic 25

Average debt per borrower $39,300 for class of 2023.

Statistic 26

14.4 million undergrad grads hold $1.6T federal debt.

Statistic 27

In 2022, 38% of 25-34 year olds were college graduates, up from 32% in 2010.

Statistic 28

Women comprised 59% of college graduates in 2022.

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40% of U.S. adults aged 25+ hold bachelor's or higher in 2023.

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Asian Americans have 60% college graduation rate aged 25+, highest among groups.

Statistic 31

Bachelor's attainment among Hispanics rose to 24% in 2022 from 15% in 2010.

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First-generation college grads 26% of population, but 50% of grads from low-income.

Statistic 33

Urban areas have 42% college grad rate vs 28% rural.

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55% of women aged 25-34 have bachelor's vs 48% men in 2022.

Statistic 35

Black college attainment 28% in 2022, gap to whites 18% persists.

Statistic 36

Immigrants with college degrees 35%, native-born 36% in 2021.

Statistic 37

Low-income students 20% of grads but 40% enrolled.

Statistic 38

STEM degrees 25% of all bachelor's, 40% among Asians.

Statistic 39

Single mothers college grad rate 15%, vs 45% childless women.

Statistic 40

Veterans attainment 35% with bachelor's, up 10% since 2010.

Statistic 41

Community college grads 15% of workforce with associate's.

Statistic 42

Gen Z college grad rate projected 50% by 2030.

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Southern states lag with 30% grad rate vs Northeast 45%.

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LGBTQ+ students grad rate 52%, higher than straight peers.

Statistic 45

Disabled students attainment 20% vs 40% non-disabled.

Statistic 46

Online degree grads 20% of total, growing 15% yearly.

Statistic 47

Public HS grads 70% enroll college, 50% graduate in 6 years.

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Native American grad rate 17%, lowest among groups.

Statistic 49

Married adults 50% have degrees vs 30% single.

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Grads from top 1% income families 75% attainment.

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25% of grads are parents by age 25.

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Foreign-born grads 16% of total grads in 2022.

Statistic 53

College grads more likely to marry other grads, 65% homogamy.

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In 2023, the unemployment rate for college graduates aged 25-34 was 2.1%, significantly lower than the 5.5% for high school graduates in the same age group.

Statistic 55

College graduates aged 25 and over had an unemployment rate of 2.2% in 2022, compared to 4.0% for those with only a high school diploma.

Statistic 56

In Q4 2023, 73.5% of recent college graduates (ages 22-27) were employed, with 62.4% in full-time positions.

Statistic 57

Bachelor's degree holders experienced a labor force participation rate of 73.8% in 2022, higher than 62.7% for high school graduates.

Statistic 58

In 2021, 88% of college graduates were employed within one year of graduation, per the Strada Education Network survey.

Statistic 59

The underemployment rate for recent college graduates dropped to 41.2% in 2023 from 44.6% in 2022.

Statistic 60

In 2022, college graduates in STEM fields had a 1.8% unemployment rate, versus 2.7% for non-STEM graduates.

Statistic 61

Full-time employment rate for 2020 college graduates reached 79% by 2023, according to the National Center for Education Statistics.

Statistic 62

In 2023, 68% of college graduates aged 25-34 held jobs requiring a college degree, up from 65% in 2019.

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Unemployment rate for women college graduates was 2.3% in 2022, compared to 2.1% for men.

Statistic 64

Black college graduates faced a 4.2% unemployment rate in 2022, higher than 2.0% for white graduates.

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In 2023, the employment rate for college graduates over 25 was 94.5%, versus 93.2% pre-pandemic.

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82% of 2022 graduates were employed by October 2023, per NACE survey.

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College graduates in arts and humanities had a 4.1% unemployment rate in 2022, higher than business graduates at 2.5%.

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Labor underutilization rate for college grads was 4.8% in 2023, per BLS U-6 measure.

Statistic 69

In 2021, 75% of community college graduates transferred and were employed full-time within 6 years.

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Employment-population ratio for bachelor's holders aged 25+ was 72.9% in 2022.

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Recent grads in 2023 had 3.2% unemployment, down from 12.4% for 2020 class post-COVID.

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91% of engineering graduates were employed full-time 6 months post-graduation in 2022.

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In 2023, college grads' job placement rate was 85% for public universities vs 78% private.

Statistic 74

Unemployment for master's degree holders was 1.9% in 2022, lower than bachelor's at 2.2%.

Statistic 75

70% of 2023 grads found jobs matching their major within 3 months.

Statistic 76

In rural areas, college grads' employment rate was 89% vs 92% urban in 2022.

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Part-time involuntary unemployment for grads was 2.1% in 2023.

Statistic 78

84% of for-profit college grads were employed in 2021, but 40% underemployed.

Statistic 79

College grads aged 35-44 had 2.0% unemployment in 2023.

Statistic 80

76% of liberal arts grads employed full-time by year 5 post-grad.

Statistic 81

In 2022, 95% of nurses with bachelor's were employed.

Statistic 82

Grads from top 50 universities had 92% employment rate vs 81% others in 2023.

Statistic 83

Unemployment for Hispanic college grads was 3.1% in 2022.

Statistic 84

The median weekly earnings for full-time workers with a bachelor's degree were $1,493 in Q4 2023, 68% higher than $899 for high school graduates.

Statistic 85

Lifetime earnings premium for college graduates is estimated at $2.8 million over high school grads, per 2022 Georgetown study.

Statistic 86

In 2022, median annual income for bachelor's holders aged 25-34 was $62,000, vs $40,000 for high school.

Statistic 87

STEM college grads earn median $95,000 early career, 50% more than humanities at $63,000.

Statistic 88

Women with bachelor's degrees earned 92 cents per dollar of men in 2022.

Statistic 89

Median household income for households headed by college grads was $116,700 in 2022.

Statistic 90

Business majors' median starting salary was $68,000 in 2023 class.

Statistic 91

Over a career, college grads earn 84% more than high school grads, $2.1M vs $1.2M.

Statistic 92

In 2023, engineering grads' median salary was $80,000, highest among majors.

Statistic 93

Black college grads earn 82% of white grads' income at median, $55,000 vs $67,000 in 2022.

Statistic 94

Master's degree holders median weekly earnings $1,661 in 2023, 12% above bachelor's.

Statistic 95

Arts grads median income $52,000 mid-career, vs $110,000 computer science.

Statistic 96

In 2021, college grads in top income quintile rose 10% post-degree.

Statistic 97

Median earnings for 2022 grads at age 30 projected $60,500.

Statistic 98

Public college grads earn 5% less than private at start, but converge by mid-career.

Statistic 99

In 2023, finance majors starting salary $75,200 average.

Statistic 100

College premium adjusted for inflation is 65% higher earnings since 1979.

Statistic 101

Hispanic college grads median $58,000 in 2022, 15% gap to whites.

Statistic 102

Nursing bachelor's grads earn $75,000 median early career.

Statistic 103

ROI for college is 12% annual return on investment per 2023 analysis.

Statistic 104

Grads from community colleges earn $48,000 median 10 years out.

Statistic 105

Education majors median $50,000 starting, lowest among fields.

Statistic 106

In 2022, 40% of college grads in top 20% income bracket by age 35.

Statistic 107

Psychology grads $60,000 mid-career median.

Statistic 108

For-profit college grads earn 12% less than public university grads.

Statistic 109

Median family income for college grad parents $135,000 vs $75,000 non-grads.

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Communications majors $62,000 starting salary 2023.

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College graduates have a life expectancy 9 years longer than high school grads.

Statistic 112

74% of college grads report high job satisfaction vs 62% non-grads.

Statistic 113

Grads 2x more likely to vote, 76% turnout vs 38%.

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Lower poverty rate 4% for grads vs 12% high school.

Statistic 115

86% of grads own homes by age 40 vs 70% non-grads.

Statistic 116

Grads divorce rate 30% lower, 25% vs 35%.

Statistic 117

Mental health better, 20% less depression among grads.

Statistic 118

Grads volunteer 50% more hours annually.

Statistic 119

Health insurance coverage 89% for grads vs 78% non-grads.

Statistic 120

Grads 3x more likely to donate to charity.

Statistic 121

Civic engagement score 65/100 for grads vs 45 non-grads.

Statistic 122

Life satisfaction 8.2/10 for grads vs 7.1 non-grads.

Statistic 123

Grads have 1.5 fewer kids on average, higher fertility quality.

Statistic 124

Entrepreneurship rate 12% among grads vs 8% non-grads.

Statistic 125

Grads mobility up 50%, from bottom to top quintile.

Statistic 126

Lower incarceration 0.5% vs 3% high school.

Statistic 127

Grads 40% less likely to smoke.

Statistic 128

Happiness at work 75% for grads.

Statistic 129

Grads save 15% of income vs 5% non-grads.

Statistic 130

Retirement savings adequacy 65% for grads.

Statistic 131

Grads intergenerational wealth transfer 2x higher.

Statistic 132

Social networks larger, 25% more friends.

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Grads 30% more likely to travel internationally.

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Lower obesity 25% vs 35% non-grads.

Statistic 135

Grads report 20% higher purpose in life.

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Forget the whispers of a useless degree, because the data tells a powerful new story: today's college graduates are entering a job market where a bachelor's degree not only significantly slashes unemployment risk and boosts earnings but also opens doors to greater long-term stability, health, and life satisfaction compared to their peers with only a high school diploma.

Key Takeaways

In 2023, the unemployment rate for college graduates aged 25-34 was 2.1%, significantly lower than the 5.5% for high school graduates in the same age group.
College graduates aged 25 and over had an unemployment rate of 2.2% in 2022, compared to 4.0% for those with only a high school diploma.
In Q4 2023, 73.5% of recent college graduates (ages 22-27) were employed, with 62.4% in full-time positions.
The median weekly earnings for full-time workers with a bachelor's degree were $1,493 in Q4 2023, 68% higher than $899 for high school graduates.
Lifetime earnings premium for college graduates is estimated at $2.8 million over high school grads, per 2022 Georgetown study.
In 2022, median annual income for bachelor's holders aged 25-34 was $62,000, vs $40,000 for high school.
Average student loan debt for 2023 graduates was $37,100 per borrower.
45% of bachelor's degree recipients in 2022 had student debt averaging $29,800.
Total U.S. student loan debt held by college grads reached $1.75 trillion in 2023.
In 2022, 38% of 25-34 year olds were college graduates, up from 32% in 2010.
Women comprised 59% of college graduates in 2022.
40% of U.S. adults aged 25+ hold bachelor's or higher in 2023.
College graduates have a life expectancy 9 years longer than high school grads.
74% of college grads report high job satisfaction vs 62% non-grads.
Grads 2x more likely to vote, 76% turnout vs 38%.

A college degree significantly improves employment outcomes and future earnings potential.

Debt Statistics

Average student loan debt for 2023 graduates was $37,100 per borrower.
45% of bachelor's degree recipients in 2022 had student debt averaging $29,800.
Total U.S. student loan debt held by college grads reached $1.75 trillion in 2023.
Public 4-year college grads average debt $28,400, private nonprofit $32,500 in 2022.
56% of 2022 grads took federal loans, median balance $20,000.
Women college grads hold 58% of total student debt despite being 57% of grads.
Black bachelor's grads average $43,000 debt in 2022, 1.5x white grads' $29,000.
Default rate on student loans for grads 5.7% within 3 years cohort 2018.
10-year repayment time average for $30,000 debt at 5% interest.
For-profit college grads average $48,000 debt, highest among institutions.
70% of professional degree grads have debt averaging $150,000 in 2022.
Monthly payment for average grad debt $393, delaying homeownership by 7 years.
Community college grads average debt $13,000, lowest among sectors.
Delinquency rate 11.3% for undergrad loans among grads in 2023.
STEM majors average $25,000 debt vs $35,000 humanities.
Forgiveness programs covered $150B debt for 4M grads by 2023.
Private loan debt averages $40,000 for grads using them.
20% of grads with debt >$50,000, income-to-debt ratio 2.5:1.
Public 2-year grads debt $15,200 median in 2022.
Law school grads average $145,000 debt, 90% borrow.
Debt burden delays marriage 2 years, children 1.5 years for grads.
33% of grads with debt report hardship, skipping meals.
Med school grads $200,000 average debt in 2023.
62% of federal loan borrowers grads in repayment struggled in 2022.
Average debt per borrower $39,300 for class of 2023.
14.4 million undergrad grads hold $1.6T federal debt.

Debt Statistics Interpretation

America's next generation of leaders is entering the workforce not with a diploma in one hand and a dream in the other, but with a mortgage-sized bill for an education that was supposed to be their ticket to the middle class, creating a financial anchor that disproportionately drags down women, people of color, and anyone who dared study something other than spreadsheets.

Demographic Statistics

In 2022, 38% of 25-34 year olds were college graduates, up from 32% in 2010.
Women comprised 59% of college graduates in 2022.
40% of U.S. adults aged 25+ hold bachelor's or higher in 2023.
Asian Americans have 60% college graduation rate aged 25+, highest among groups.
Bachelor's attainment among Hispanics rose to 24% in 2022 from 15% in 2010.
First-generation college grads 26% of population, but 50% of grads from low-income.
Urban areas have 42% college grad rate vs 28% rural.
55% of women aged 25-34 have bachelor's vs 48% men in 2022.
Black college attainment 28% in 2022, gap to whites 18% persists.
Immigrants with college degrees 35%, native-born 36% in 2021.
Low-income students 20% of grads but 40% enrolled.
STEM degrees 25% of all bachelor's, 40% among Asians.
Single mothers college grad rate 15%, vs 45% childless women.
Veterans attainment 35% with bachelor's, up 10% since 2010.
Community college grads 15% of workforce with associate's.
Gen Z college grad rate projected 50% by 2030.
Southern states lag with 30% grad rate vs Northeast 45%.
LGBTQ+ students grad rate 52%, higher than straight peers.
Disabled students attainment 20% vs 40% non-disabled.
Online degree grads 20% of total, growing 15% yearly.
Public HS grads 70% enroll college, 50% graduate in 6 years.
Native American grad rate 17%, lowest among groups.
Married adults 50% have degrees vs 30% single.
Grads from top 1% income families 75% attainment.
25% of grads are parents by age 25.
Foreign-born grads 16% of total grads in 2022.
College grads more likely to marry other grads, 65% homogamy.

Demographic Statistics Interpretation

While celebrating the promising climb in overall attainment, the stubbornly persistent gaps across income, race, and geography paint a picture of higher education as an engine of both opportunity and inequity, simultaneously lifting a generation and leaving too many tracks unfinished.

Employment Statistics

In 2023, the unemployment rate for college graduates aged 25-34 was 2.1%, significantly lower than the 5.5% for high school graduates in the same age group.
College graduates aged 25 and over had an unemployment rate of 2.2% in 2022, compared to 4.0% for those with only a high school diploma.
In Q4 2023, 73.5% of recent college graduates (ages 22-27) were employed, with 62.4% in full-time positions.
Bachelor's degree holders experienced a labor force participation rate of 73.8% in 2022, higher than 62.7% for high school graduates.
In 2021, 88% of college graduates were employed within one year of graduation, per the Strada Education Network survey.
The underemployment rate for recent college graduates dropped to 41.2% in 2023 from 44.6% in 2022.
In 2022, college graduates in STEM fields had a 1.8% unemployment rate, versus 2.7% for non-STEM graduates.
Full-time employment rate for 2020 college graduates reached 79% by 2023, according to the National Center for Education Statistics.
In 2023, 68% of college graduates aged 25-34 held jobs requiring a college degree, up from 65% in 2019.
Unemployment rate for women college graduates was 2.3% in 2022, compared to 2.1% for men.
Black college graduates faced a 4.2% unemployment rate in 2022, higher than 2.0% for white graduates.
In 2023, the employment rate for college graduates over 25 was 94.5%, versus 93.2% pre-pandemic.
82% of 2022 graduates were employed by October 2023, per NACE survey.
College graduates in arts and humanities had a 4.1% unemployment rate in 2022, higher than business graduates at 2.5%.
Labor underutilization rate for college grads was 4.8% in 2023, per BLS U-6 measure.
In 2021, 75% of community college graduates transferred and were employed full-time within 6 years.
Employment-population ratio for bachelor's holders aged 25+ was 72.9% in 2022.
Recent grads in 2023 had 3.2% unemployment, down from 12.4% for 2020 class post-COVID.
91% of engineering graduates were employed full-time 6 months post-graduation in 2022.
In 2023, college grads' job placement rate was 85% for public universities vs 78% private.
Unemployment for master's degree holders was 1.9% in 2022, lower than bachelor's at 2.2%.
70% of 2023 grads found jobs matching their major within 3 months.
In rural areas, college grads' employment rate was 89% vs 92% urban in 2022.
Part-time involuntary unemployment for grads was 2.1% in 2023.
84% of for-profit college grads were employed in 2021, but 40% underemployed.
College grads aged 35-44 had 2.0% unemployment in 2023.
76% of liberal arts grads employed full-time by year 5 post-grad.
In 2022, 95% of nurses with bachelor's were employed.
Grads from top 50 universities had 92% employment rate vs 81% others in 2023.
Unemployment for Hispanic college grads was 3.1% in 2022.

Employment Statistics Interpretation

While a college degree is clearly still the most reliable ticket to the employment party, the data shows that not all invitations are created equal, and some guests—despite having the right attire—still end up awkwardly underemployed in the corner.

Income Statistics

The median weekly earnings for full-time workers with a bachelor's degree were $1,493 in Q4 2023, 68% higher than $899 for high school graduates.
Lifetime earnings premium for college graduates is estimated at $2.8 million over high school grads, per 2022 Georgetown study.
In 2022, median annual income for bachelor's holders aged 25-34 was $62,000, vs $40,000 for high school.
STEM college grads earn median $95,000 early career, 50% more than humanities at $63,000.
Women with bachelor's degrees earned 92 cents per dollar of men in 2022.
Median household income for households headed by college grads was $116,700 in 2022.
Business majors' median starting salary was $68,000 in 2023 class.
Over a career, college grads earn 84% more than high school grads, $2.1M vs $1.2M.
In 2023, engineering grads' median salary was $80,000, highest among majors.
Black college grads earn 82% of white grads' income at median, $55,000 vs $67,000 in 2022.
Master's degree holders median weekly earnings $1,661 in 2023, 12% above bachelor's.
Arts grads median income $52,000 mid-career, vs $110,000 computer science.
In 2021, college grads in top income quintile rose 10% post-degree.
Median earnings for 2022 grads at age 30 projected $60,500.
Public college grads earn 5% less than private at start, but converge by mid-career.
In 2023, finance majors starting salary $75,200 average.
College premium adjusted for inflation is 65% higher earnings since 1979.
Hispanic college grads median $58,000 in 2022, 15% gap to whites.
Nursing bachelor's grads earn $75,000 median early career.
ROI for college is 12% annual return on investment per 2023 analysis.
Grads from community colleges earn $48,000 median 10 years out.
Education majors median $50,000 starting, lowest among fields.
In 2022, 40% of college grads in top 20% income bracket by age 35.
Psychology grads $60,000 mid-career median.
For-profit college grads earn 12% less than public university grads.
Median family income for college grad parents $135,000 vs $75,000 non-grads.
Communications majors $62,000 starting salary 2023.

Income Statistics Interpretation

A college degree offers a powerful financial engine, though its horsepower varies wildly by major, race, and gender, proving that while higher education can be a lucrative highway, not everyone gets to drive in the fast lane.

Outcome Statistics

College graduates have a life expectancy 9 years longer than high school grads.
74% of college grads report high job satisfaction vs 62% non-grads.
Grads 2x more likely to vote, 76% turnout vs 38%.
Lower poverty rate 4% for grads vs 12% high school.
86% of grads own homes by age 40 vs 70% non-grads.
Grads divorce rate 30% lower, 25% vs 35%.
Mental health better, 20% less depression among grads.
Grads volunteer 50% more hours annually.
Health insurance coverage 89% for grads vs 78% non-grads.
Grads 3x more likely to donate to charity.
Civic engagement score 65/100 for grads vs 45 non-grads.
Life satisfaction 8.2/10 for grads vs 7.1 non-grads.
Grads have 1.5 fewer kids on average, higher fertility quality.
Entrepreneurship rate 12% among grads vs 8% non-grads.
Grads mobility up 50%, from bottom to top quintile.
Lower incarceration 0.5% vs 3% high school.
Grads 40% less likely to smoke.
Happiness at work 75% for grads.
Grads save 15% of income vs 5% non-grads.
Retirement savings adequacy 65% for grads.
Grads intergenerational wealth transfer 2x higher.
Social networks larger, 25% more friends.
Grads 30% more likely to travel internationally.
Lower obesity 25% vs 35% non-grads.
Grads report 20% higher purpose in life.

Outcome Statistics Interpretation

A college degree appears to be the Swiss Army knife of adult life, granting not just a better job but a statistically superior life in nearly every measurable category from happiness and health to civic duty and financial security.

Sources & References

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