User:StudentKarma-MA/sandbox

It is worth noting that the return on investment in a 401(k) typically averages around 6% based on a standard portfolio mix of 60% stocks and 40% bonds. In stark contrast, the average interest rates on student loans range from 6% to 17%, and revolving credit interest rates for students can soar as high as 30%.

There needs to a Karmic fix to this inefficiency in our financial system.