Due to good luck with the real estate bubble and getting paid to program instead of paying to learn it I posit that the personal cost of my degree would be around $400,000.
$200,000 in lost wages
$150,000 in lost in tax free capital gains
$40,000 - $50,000 for the degree
I don't need someone else to give me a piece of paper that says I'm 'educated' I'd rather take the dollar fifty in late fees at the library. I can read myself, I don't need to pay a professor $200,000 a year to read me a book.