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2. 倾家荡产送孩子去私立大学读书
Over the past 40 years, the cost of tuition and fees at a private university has tripled─after accounting for inflation. The cost of a public university has quadrupled.
过去40年来，美国私立大学的学费以及各种开销增长了两倍──扣除了通货膨胀因素之后。公立大学的就读成本则是40年前的四倍。
The cost of getting a bachelor's degree has become a scandal in this country. Students spend $160,000 on a four-year degree and the results are too often questionable.
在美国攻读一个本科学位所需开销数字之大，简直成了这个国家的耻辱。学生完成为期四年的学位攻读需要花费16万美元，而学习的效果往往还很成问题。
Financial planners strongly advise parents against plundering their own retirement savings, which they are likely to need, to pay for this.
理财专家们强烈建议学生家长们不要将自己的养老积蓄用来为孩子付学费，这笔钱他们自己可能还用得着。
Admittedly, a degree has become a protection racket─you can't get a job without one, but there are fewer jobs for those with them. But the smart move for the budget-constrained is to get a bachelor's degree at a public university. The tuition and fees average less than $9,000 a year instead of $30,000 at a private college.
诚然，学位已经成为一种护身符──没有它，你可能找不到工作，不过即便有了学位，职场中能够提供的就业机会也少了。而对于预算开支不那么富裕的家庭而言，明智的选择是去公立大学读一个本科学位。读一所美国公立大学每年所需的学费和各种杂费平均不到9,000美元，而私立大学则需要三万美元。
