It does give you an experience you will never gain any other way. It comes at a cost, and are the young people old enough to make a decision about which career option to take, especially when undertaking such a large loan to cover not only their education but also their living expenses away from home. Would it be better to wait a couple of years before making this decision, but what options are open to them during this period? (FM#215, 58 year old mother of student)