[sheepz]

I'm not sure I agree. If more people have a university degree, then it's no longer than differentiator that it used to be. To obtain this degree, you have to take on a substantial student loan in the States from what I understand. To me it seems like a big financial risk, which might not pay off in many cases.

So, if we consider value to be the expected life time value of obtaining a degree with respect to the person's net worth and plot it over time I would assume that this value would be decreasing.