>I have zero sympathy for junior who goes to some 150,000 a year liberal arts college and gets a degree that makes no money or requires another 2-4 years of school.

Then you're an asshole. Young people with zero real world life experience make poor choices often. Sometimes critically poor choices. It's a part of growing up to fail and the fact that you can't squeeze together an ounce of sympathy for these folks suggest you have a lot of growing up to do yourself.