AbbevilleMummy and Confus_ed should take off their ideological blinkers and stop labeling everything that that they disagree with as "offensive" and "stupid".
Seb's point re the student loan system is spot on. AbbevilleMummy has not got a clue when she claims that
most of us have cleared our student loan repayments by the time we kick back and relax with our sprogs
The large majority of those starting university now - whether men or women - will not have paid off their student loans in full by the time they have their first child. Unfortunately, people like AbbevilleMummy don't realise what a complete shitshow the current student loan system is. If she wanted to actually educate herself this article the FT published in July would be a good place to start: https://www.ft.com/content/bb2d8cfe-4d8 ... 9ecd3b86fc
to clear borrowings and interest on the average student debt of £44,000 within 30 years, Mr Lewis calculates that graduates would need a starting salary of about £40,000 with 2 per cent above inflation pay rises each year, and take no time off for travelling or raising a family in the next 30 years.
What Seb is describing re student loans is what those of us who work in insurance label "adverse selection", i.e. the propensity to take them out will be higher among those who are less likely to pay them back (at all or in full).
However, this 15 year old girl has got it badly wrong if she thinks not going to university and starting as a PA in a bank or a law firm will get her a husband on a high-earning career trajectory. The era of hospital consultants marrying nurses, investment banking directors marrying their PAs or law firm senior associates marrying their secretaries ended twenty years ago if not even earlier. Why did it end:
(1) Unlike the 1980s, the graduate intake in these places is 50/50 men/women or relatively close to it. The women on graduate career track are also looking for husbands and ever study has shown that women are less likely to marry a man with a lower income than vice versa. In fact, these days I see more women marrying men with lower incomes / less hectic careers, but I don't see the opposite. These days the men on career track marry the women on graduate career track. And, believe me, the women on graduate track are merciless if one of the admin / support staff shows an interest in one of their male peers.
(2) The income and social class gap between those on the graduate career track and support staff has grown in the past 20 years. I'm not sure that this 15 year old girl realises how little a PA earns in the City - starting at £18k and maybe going up to £30k after many years. Yes, of course there are executive PAs on £45k or £65k or whatever, but that's after a lot of experience and likely past the average marriage age.
(3) The property prices mean that although one partner's earnings might be secondary post having children, what that partner has earned over the previous 10-15 years matters a lot. I know of a case where an acquaintance (early 30s) broke up with his girlfriend of a year (also early 30s) as she had a decent income but no savings because he said that she had no capital to support them buying together. In this era of high property prices relative to income capital accumulation matters. This 15 year old girl is looking at couples who are a generation older and who were well up the property ladder before the prices rose.
As far as meeting partners at university is concerned that doesn't happen much at all these days (Kate and Wills excepted). However, what university is important for is developing a social circle which you have post-university, i.e. meeting the people through whom you will post-university meet prospective partners. And of course different universities have very different student bodies, even ones that are considered similar academically, e.g. University of Exeter vs KCL vs University of Birmingham.
Seb: I suggest you tell the above to this 15 year old girl.