Nicole (Caller)

Hi, thanks for taking my call.

Hey, thanks for calling.

I am calling about potentially pursuing a doctorate degree.

I'm not really sure if I can afford it.

And if I can, I'm not really sure the best way to pay for it.

Obviously, a loan is out of the question.

So I have some options, and I'm just not sure that it's the best thing for me to do.

I am in the kind of corporate training world, and that's where I would like to stay.

So the degree would be in instructional design.

Yeah, there's no guarantee that...

that this degree will do all that much as far as, you know, future earning potential and that kind of thing.

It's more just something that I've kind of always wanted to do, just sort of for myself, whether it pays off financially or not.

That's the hesitation.

There's not an employer that's saying, you know, if you get this degree, then you're going to get this huge raise or anything like that.

It would just be a personal accomplishment, something that I could just look at at some point and say, I'll look at this.

It's something to be proud of.

It's hard.

It's hard work.

Right.

And that's one of the reasons why I think that, you know, paying for it is kind of become a sticking point is that, you know, it is going to be expensive.