Age 17–22
Straight from high school
You've got time, energy, and not much committed yet. The wrong major is recoverable — the wrong amount of debt is harder.
- Start at a community college, transfer to save 50%+ on a bachelor's.
- Don't sleep on trades — electricians and HVAC techs out-earn many BAs by 30.
- If you know the field, an apprenticeship can pay you to learn.
17–22
Years young, decisions ahead.

