????失業(yè)率居高不下，在這種環(huán)境下,，沉重的助學(xué)貸款負(fù)擔(dān),，引發(fā)了當(dāng)前“占領(lǐng)華爾街”（Occupy Wall Street）運(yùn)動(dòng)中的部分抗議活動(dòng)。本月早些時(shí)候,，大學(xué)生們被號(hào)召參與到“占領(lǐng)大學(xué)”（Occupy Colleges）的活動(dòng)中來,；“占領(lǐng)大學(xué)”活動(dòng)從一個(gè)Facebook網(wǎng)頁和Twitter賬戶開始迅速蔓延。

????由于學(xué)費(fèi)大幅上漲,，去年美國的助學(xué)貸款額度甚至超過了信用卡的欠債額度,，有鑒于此，目前的抗議活動(dòng)并不太令人意外,。正如丹?普里馬克上周所指,，或許眼下學(xué)生們更應(yīng)該要求大學(xué)降低學(xué)費(fèi)，而不是要求華爾街進(jìn)行改革,。

????不可否認(rèn),，這些年輕人近來在就業(yè)市場(chǎng)上舉步維艱,。但有一點(diǎn)很重要，必須指出,，擁有學(xué)士學(xué)位的人相比那些沒有學(xué)位的人可能會(huì)掙得更多一些（即便不能躋身最富有的1%人群）,。對(duì)于一場(chǎng)主要針對(duì)美國社會(huì)不公的運(yùn)動(dòng)而言，這一點(diǎn)頗具諷刺意味,，因?yàn)樽晕覙?biāo)榜為99%的群體內(nèi)部也遠(yuǎn)談不上公平,。

????這些20多歲、背負(fù)沉重債務(wù)的年輕人在就業(yè)道路上也面臨著重重障礙,。新近畢業(yè)的大學(xué)生們需要花費(fèi)更多時(shí)間才能找到工作,，并開始接受無需大學(xué)文憑的工作。另外,，他們掙得更少了,。羅格斯大學(xué)（Rutgers University）5月份發(fā)布的一份報(bào)告顯示，2009年和2010年大學(xué)本科畢業(yè)生的起薪中值為27,000美元,，低于2006年至2008年間就業(yè)的大學(xué)生起薪30,000美元,。

????所有這些或許會(huì)降低在校大學(xué)生繼續(xù)貸款完成學(xué)業(yè)的動(dòng)力。但這絕對(duì)是短視行為,。

????沒錯(cuò),，現(xiàn)在大學(xué)費(fèi)用很高。助學(xué)貸款信息追蹤網(wǎng)站Finaid.org的數(shù)據(jù)顯示,，四年制本科生的平均累計(jì)負(fù)債自2003-04年起每年增加1,139美元,，增幅5.6%。紐約聯(lián)邦儲(chǔ)備銀行（Federal Reserve Bank of New York）日前宣布助學(xué)貸款額已首次突破1萬億美元大關(guān),。但學(xué)士學(xué)位提高了獲聘和賺錢潛力,。正如《財(cái)富》雜志（Fortune）近日所指，布魯金斯學(xué)會(huì)（Brookings Institution）漢密爾頓項(xiàng)目（Hamilton Project）6月份的一份報(bào)告顯示,，在22歲時(shí),，大學(xué)畢業(yè)生的平均收入相比于僅有高中文憑的人高出約70% 。

????隨著年齡增長(zhǎng),，前景會(huì)進(jìn)一步改善,。2010年，身處職業(yè)頂峰（或50歲）的大學(xué)生們相比于僅有高中文憑的人多掙約46,000美元,。

????因此,，雖然那些站在“我們是99%”陣營中的人們眼下可能感到受了冷落，但是幾年后,，對(duì)于獲得了大學(xué)學(xué)位的這部分人,，這種感覺可能會(huì)漸漸減弱。

????The burden of student loans amid high unemployment is driving part of the protests among the Occupy Wall Street movement. Earlier this month college students were encouraged to join the call through Occupy Colleges, which started as a Facebook page and Twitter handle.

????This isn't much of a surprise, given soaring tuition costs and the fact that Americans last year began owing more on their student loans than their credit cards. As Dan Primack pointed out last week, perhaps it's time for students to start demanding lower tuition from colleges instead of reform on Wall Street.

????No one will argue that the young haven't had a rough go in the job market lately. But it's important to point out that those people with a bachelor's degree are likely to earn more -- if not rise to the richest 1% -- than those without one. Which is ironic for a movement based largely on anger at the inequities of America since the spectrum of folks who identify themselves as part of the 99% are far from equal.

????Needless to say, 20-somethings mired in debt face huge hurdles entering the working world. It has taken recent grads longer to secure jobs and they're taking jobs that don't need a college degree. What's more, they're earning less. Graduates of four-year colleges in 2009 and 2010 earned a median starting salary of $27,000, down from $30,000 for those who entered the work force between 2006 to 2008, according to a Rutgers University study released in May.

????All this might give students across college campuses less incentive to take on more debt and finish college. But that's just short-sighted.

????True, the cost of college is steep. For those with a four-year bachelor's degree, the average cumulative debt has increased by 5.6% or $1,139 a year since 2003-04, according to Finaid.org. And the Federal Reserve Bank of New York just announced that student loan debt topped $1 trillion for the first time. But a bachelor's degree boosts hiring and earnings potential. As Fortune highlighted recently, at 22, the average college grad earns about 70% more than the average person with only a high school degree, according to a June study by Brookings Institution's Hamilton Project.

????The prospects get better with age. In 2010, college graduates at the peak of their careers (or 50 years old) earned about $46,000 more than those with only a high school diploma.

????So while those in the "We are 99%" camp might feel left out today, the segment earning college degrees might feel less so years from now.