Nathan writes in:

I am entering my senior year in high school next fall. My parents want me to go to college in the fall right after graduation. They have some savings for me but I will have to add some student loans. I want to take a gap year or two and work full time. I would put that money aside for college and figure out what I want to do because I don’t know what I want to study. Is it better to graduate a year later with no student loans or go straight to college after high school with student loans and go straight to a job with better pay?

This is a really great question from a well-spoken high school student. I have a feeling that Nathan, with his ability to think through situations and his ability to present them this well, will do just fine in whatever he chooses to do.

The question you’re asking, in essence, is whether or not the relatively low earnings you…

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