<prompt> Human: I am currently a student at a public university in the USA. The tuition is roughly 50 grand a year out of state and I have done 2 years, making the total loan taken by my parents i forget what that type is called around 100 grand, and I have about 7 grand in my own name in loans. I have decided to move back to the state in which my parents are living in and go to a community college to finish up some credits. I also plan on getting a job there and setting a decent amount away. IDK what to do in terms of university though. I am currently a philosophy major, which I think is a great degree for learning writing and critical thinking skills; however, many people see philosophy major and then see my grades lol and just brush it off as bullshit work. I am very interested in livingworking internationally, so I plan to get on a more businessinternational relations oriented course. Anyways, I was wondering, since my grades are mediocre Ive had some other issues getting in the way of school, and I am already so far into debt should I still try and go to a 4 year to finish everything? Is 200 grand in debt worth it? My parents would take it out and I would pay them back once I get a job. What would be other viable options that wont make this 100 grand already taken out, and the 2 years already spent a waste of time.  <response>: 200k debt for a philosophy degree is absurd. Youre unlikely to get a job to ever allow you to repay those loans. You wont be able to get many applicable credits at community college, since youve already got two years of university credits.You need to figure out some education path that will lead to a career. Seriously consider a trade or certification program. Many community colleges offer these programs. Your other option might be to transfer to in-state university. You should also get a part-time job and start paying down your debt as soon as possible. 