malloc47
Meetings are like sex
Reading Code
Playing on Easy Mode
Using bitmap indexes in databases
Does academic research cause economic growth?
The Dark Side of HTML/CSS
Map of Tech Company Locations (North America)
Peer review without journals or conferences
Even if you're not taking out a loan in the monetary sense, you're taking out a loan from your long term earnings, one that has little chance of being repaid, to put your mental assets/skills to a non-remunerable task, and get a certification that you did so. The problem is that the option to continue doing this (tenure-track academic jobs) are limited and (naturally) highly contested.
However, you make a good point--there's an underlying and insidious opportunity cost that is often unknowingly sacrificed: that of atrophying skill sets. It's easy for a PhD to be a hugely insular experience, if you let it, and if you take the easy way out and don't stretch your engineering skills (speaking in terms of CS here, since that's what I know), you're in for a rude awakening if you determine that academia is not for you. If you're not careful, you'll get good at writing papers, but might actually get /worse/ at writing portable, readable, and maintainable code. And as brilliant as your papers may be, if you can't ship good code, you're going to have trouble in industry.
The good thing, again at least for CS students like me, is that the "fun and enriching" environment of academia means a lot of opportunity for starting companies, creating libraries/frameworks, working on side projects, and doing contract work, so there's no reason you have to atrophy. Which is something that, sadly, the visions of the tenure-track academic job are engineered to beat out of you.
I was trying to stay away from the typical "Some Experience" to "Expert" scale typically used for skill proficiencies, and instead provide a sense of the scale at which I had used each skill directly.
The second-order-diff Git trick
If you do end up going with LaTeX, I would highly recommend XeTeX/XeLaTeX so you have a larger font selection.
My resume [1] and source [2] for reference: