The thing I'm attempting to avoid. I would have worked too hard for a grad school degree to still not get a job. Hoping I can be the one in a million Mark Zuckerberg/Bill Gates without needing any degrees, but I'm so unmotivated, lol.
The ideal thing is to find a career that seems interesting enough and get the minimum education necessary to do the job. There are many very high paying jobs available that do not require a degree, but they do require training. These are skilled technical fields.
There are many good paying jobs that do not require anything more than an AA that you can get at a community college. Many health care jobs as well. Many computer programmers go to coding schools, not college, today.
The key is to find out what you like to do. Do you like working with tools, even if it is repetitive work? Do you like working with people, or hate it? How do you do with sick people? Do you hate touching people? Do you hate getting dirty? Can you schmooze people? Etc.
Unfortunately, many careers that used to not require degrees now do, because the job market has changed. Reporters and stock traders used to not have degrees. Most people in business middle management didn't used to need degrees.
One field to look into that is growing today is compliance. There are several different types, including health care, financial, etc. With the vast growth of the regulatory state, there are many jobs trying to make sure that companies can manage these very complicated regulations.
The overall idea is to minimize the costs to acquire the needed licenses.
And to have clear knowledge that many jobs that pay decently are not personally rewarding or entertaining. They are just jobs. And it is important to find an area where you will enjoy working as well as possible.
But, ultimately, getting $150k in debt for a humanities BA is most likely completely useless today. If anyone really wants that, they should go for the cheapest way to do so at a local state university.
So, if teaching 8th grade math sounds fun, get a degree for as cheap as you can. If you want to clean teeth, get the training.
Just find a career for as cheaply as possible. By having a lower cost, if you don't like it, you can change it much more easily.