Although there is agreement among economists that education pays, they disagree on which level has more returns. Individuals who possess higher levels of education tend to access better paying jobs than their compatriots with lower qualifications. But those who remain in the system longer remain indebted for long after graduation. There has been debate as to which level of education has higher social returns. Some scholars contend that primary and secondary schooling have higher social returns compared to undergraduate and postgraduate schooling. However, emerging school of thought hold that...