it goes further up. Luckily I was an only child to a single-worker-family midlevel government employee that rode the interest cliff and was willing to spend gobs of money for my (quite good) college, and I went for a technical grad program that pays you sub-minimum-wage (but no educational debt!) to do 100 hours a week in a lab for seven years, so I had no debt -- but I quit my postdoc to drive for lyft for a year and a half, and I made more money and had less stress driving for lyft (yes, after expenses) than I did in my postdoc. Everyone thought I was crazy. Well, maybe I was, but I wasn't the only postdoc that had quit and was driving for lyft full-time.