<prompt> Human: Some friends of mine make more than 100,000 a year but have 300,000 in student loan debt. I make about 45,000 or 50,000 a year and have no debt of any kind. I often find myself wishing I had their level of income, but then again because I have no student debt I actually get to keep all the money I earn while a huge chunk of their monthly earnings has to go to paying off debt. Is my lack of debt really worth anything? Or should I have gone into a similar university program in order to raise my income but also get saddled with extreme debt?  <response>: Do the math. What will thier net worth be at a given age? 