I have a friend who graduated with over 100k in student loan debt - and a teaching degree. Unfortunately, it's going to take her a very long time to pay off the debt with a teacher's salary.

If you're considering earning an online degree, take the time to weigh the costs and benefits in your mind. For some people, earning a degree can result in a huge jump in income as well as a promotion. For others, the benefit is only a sense of accomplishment (which might be worth it, if that's all you're expecting...)

eLearners has a useful Salary Guide that can help potential e-students figure out how much they can expect to make in their chosen occupations. Since salaries vary in different areas, take the time to talk to professionals in your own city. Spending the time to set reasonable expectations now can save you a lot of heartbreak (and cash) in the future.