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The rising costs of education further complicate the scenario. Over the last four decades, tuition rates have surged beyond inflation, saddling students with heavy debts. Graduates enter the workforce with degrees that may not substantially boost their earning potential, while monthly repayments can consume significant portions of their income. In lower-paid sectors, these financial obligations create significant barriers to wealth accumulation, leaving graduates in situations where purchasing a home, saving for retirement, or even covering basic living expenses becomes burdensome.