See Sandy Baum and Patricia Steele (2010), “Who Borrows Most? Bachelor’s Degree Recipients with High Levels of Student Debt (PDF),” Trends in Higher Education Series (New York: College Board). BIS central bankers’ speeches  3  associate’s degree or certificate program will finish their degree.
The conclusion with which I would like to leave you this evening is that the greatest risk to a business arises from an exclusive focus on the short-term, whether it is the next quarter’s results or an employee’s end-of-year bonus.