<prompt> Human: Person A: Begins working at age 18 - makes a decent livable wage 25 of income is rent and has annual raises, sticks to a strict frugal budget to aggressively save and invest into income real estate properties at 10 cap. Person B: Begins working at age 22 - has a student loan for X30k50k100k interest and starts at salary Y. This person also sticks to a strict frugal budget and aggressively saves to invest into income real estate properties at a 10 cap. After how many months will it take person B to have a similar monthly budget to person A? Is it possible for Person A to use that 4-year head start to out-earn person B, or even with the additional expenses and 4-year handicap will an increase in income push person B to out-earn person A incredibly fast?Tl:DR: At what point is student loan debt worth it, and at what point is it not?Assistant: I make more then 5 friends that went to college. I didnt go to college and I only work part time. I make less then another friend, but that friend has over 100k in debt. So at least right now, I have much more financial freedom then they do approaching 40.Doesnt mean either option is the right one for everyone. We need both college grads and non college grads. Human: At what point does one beat the other is what Im trying to find. Both sides have their benefitsdownfalls, and Id really like to see a clear cut comparison  <response>: The problem is that youre trying to define a problem and equate a degree to a pay scale. I know people with the same degree from the same school and one is now making 3x the other.Theres plenty of high paying non degree jobs and plenty of low paying degree jobs. 