] The average collegian in the U.S. isn't graduating into a
] world of boundless opportunity, but rather is
] $20,000-plus in the hole thanks to student loans and
] credit cards. So begins the snowball effect: The most
] desirable entry-level jobs often pay wages too low for
] the indebted, who must fork over a large percentage of
] their salaries to Sallie Mae or Citibank.

Generation Debt: The New Economics of Being Young: The Ambition Tax