“I work all night, I work all day, to pay the bills I have to pay. Ain’t it sad. And still there never seems to be a single penny left for me. That’s too bad. In my dreams I have a plan…” ABBA.

So what is your plan to earn post school or college? You are an able student and have the option of applying to university or for a Higher or Degree Apprenticeship scheme with a major employer. In terms of how much you can earn now and in three years’ time, you need to decide; university or jumping on the apprenticeship train.

On the face of things this might appear to be a straight forward decision. After all, as an apprentice you will be paid whilst as an undergraduate you will be chalking up debt that could reach £40,000. We also need a reality check, as experienced in the novel Animal Farm, not all apprenticeships (level and sponsoring company) yield the same. Similarly, not all degrees (university and subject) produce the same prospects.

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Written by Simone Pantlitz