“On average, a college degree still offers a wage premium says a new study from the Federal Reserve Bank of New York. But those averages hide an ugly story of inflated costs, diminishing returns and a widespread worst-case scenario—debt with no degree.  Dizzying choices are making things worse: the employment landscape is complex, dynamic, and localized. And while some colleges are closing, there are more postsecondary options than ever for people young and old to consider.”