At first glance, you might not think Boston real estate mortgages and college loans have much in common. But perhaps they should. During the real estate boom, just about anybody was able the obtain a mortgage. Today, the qualifications to purchase real estate by using a mortgage have tightened up.

So why not start to apply the new adopted mortgage standards to college loans? If your college degree is likely to support repayment of the college loan, such as engineers, finance and the medical profession, it’s worth the investment. But if you’re taking subprime majors — library science, philosophy or real estate blog writing studies — perhaps you should have your parents pay cash. This is not to say, one can’t find a job with subprime degrees. I mean, one could always qualify for a camp coordinator at an “Occupy Wall Street” site. But you know what I mean.

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