CINXE.COM
These American Students Avoided College Debt by Studying in Europe - Business Insider
<!DOCTYPE html> <html lang="en-US"> <head> <title>These American Students Avoided College Debt by Studying in Europe - Business Insider</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="College in the US was too expensive, so these students opted for Europe" > <meta name="datePublished" content="2024-10-25T02:45:27Z" > <meta name="dateModified" content="2024-10-25T02:45:27Z" > <meta name="news_keywords" content="Education, College, Europe" > <meta name="description" content="Besides the draw of cheaper tuition, some American students choose to study abroad for the chance to travel or to pursue a specific program." > <meta property="author" content="Erin Liam" > <meta property="article:publisher" content="businessinsider" > <meta name="tbi-vertical" content="Education" > <meta property="og:title" content="College in the US was too expensive, so these students opted for Europe" > <meta property="og:description" content="Besides the draw of cheaper tuition, some American students choose to study abroad for the chance to travel or to pursue a specific program." > <meta property="og:type" content="article" > <meta property="og:url" content="https://www.businessinsider.com/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" > <meta property="og:image" content="https://i.insider.com/67073947198738e3a70f8bf7?width=1200&format=jpeg"> <meta property="og:image:type" content="image/jpeg" /> <meta property="og:image:width" content="1200" /> <meta property="og:image:height" content="600" /> <meta name="twitter:card" content="summary_large_image" > <meta name="twitter:site" content="@CareersInsider" > <meta name="robots" content="max-image-preview:large"/> <meta property="og:site_name" content="Business Insider" > <meta property="fb:pages" content="20446254070" > <meta name="apple-itunes-app" content="app-id=554260576" > <meta name="linkedin:owner" content="mid:1d5f7b" > <link rel="canonical" href="https://www.businessinsider.com/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" > <meta name="ii-ab-test:capiv2-100-0" value="c" > <meta name="ii-ab-test:sll" value="c" > <meta name="user-status" value="anonymous" > <meta name="viking-id" value="66fbb561e5b54083003d95c2" > <meta name="env" value="prod" > <meta property="mrf:sections" content="Education"> <meta property="mrf:tags" content="Page Type:story"> <link class="favicon-asset" rel="icon" sizes="192x192" href="/public/assets/BI/US/favicons/apple-touch-icon-192x192.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="180x180" href="/public/assets/BI/US/favicons/apple-touch-icon-180x180.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="152x152" href="/public/assets/BI/US/favicons/apple-touch-icon-152x152.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="144x144" href="/public/assets/BI/US/favicons/apple-touch-icon-144x144.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="120x120" href="/public/assets/BI/US/favicons/apple-touch-icon-120x120.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="114x114" href="/public/assets/BI/US/favicons/apple-touch-icon-114x114.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="76x76" href="/public/assets/BI/US/favicons/apple-touch-icon-76x76.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" sizes="72x72" href="/public/assets/BI/US/favicons/apple-touch-icon-72x72.png?v=2023-11" > <link class="favicon-asset" rel="apple-touch-icon" href="/public/assets/BI/US/favicons/apple-touch-icon.png?v=2023-11"> <link class="favicon-asset" rel="icon" type="image/png" sizes="32x32" href="/public/assets/BI/US/favicons/favicon-32x32.png?v=2023-11" > <link class="favicon-asset" rel="icon" type="image/png" sizes="16x16" href="/public/assets/BI/US/favicons/favicon-16x16.png?v=2023-11" > <link class="favicon-asset" rel="manifest" href="/public/assets/BI/US/favicons/site.webmanifest?v=2023-11" > <link class="favicon-asset" rel="mask-icon" href="/public/assets/BI/US/favicons/safari-pinned-tab.svg?v=2023=11" color="#fff" > <link class="favicon-asset" rel="shortcut icon" href="/public/assets/BI/US/favicons/favicon.ico?v=2023-11" > <link class="favicon-asset" rel="shortcut icon" type="image/svg+xml" href="/public/assets/BI/US/favicons/favicon.svg?v=2023-11" > <meta class="favicon-asset" name="msapplication-config" content="/public/assets/BI/US/favicons/browserconfig.xml?v=2023-11" > <meta name="theme-color" content="#fff" > <meta name="apple-mobile-web-app-title" content="Business Insider" > <link rel="preload" as="image" fetchpriority="high" href="https://i.insider.com/670738c53f2165d716dfb9f4?width=700" imagesrcset="https://i.insider.com/670738c53f2165d716dfb9f4?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/670738c53f2165d716dfb9f4?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/670738c53f2165d716dfb9f4?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/670738c53f2165d716dfb9f4?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/670738c53f2165d716dfb9f4?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/670738c53f2165d716dfb9f4?width=2000&format=jpeg&auto=webp 2000w" imagesizes="(min-width: 1280px) 900px"> <script type="text/javascript" id="fenrir-client-data"> window.Fenrir = {"config":{"ads":{"providerName":"dfp","sticky_active_header_height":47,"abTest":{"lazyLoad":155,"adxABTest":6,"changeCorrelator":false},"continentCode":"AS","config":{"scrollVelocity":true,"refreshAdsTimeout":30,"refreshAdsDisplayTimer":false},"data":{"networkid":4442842,"verity":{"taxonomy":["Education","Education/College Education/College Planning","Education/Secondary Education","Education/Educational Assessment/Standardized Testing","Education/College Education/Postgraduate Education"],"taxonomyBreakdown":["Education","College Education","College Planning","Secondary Education","Educational Assessment","Standardized Testing","Postgraduate Education"],"taxonomyIds":["132","138","135","144","139"],"keywords":["college","europe","us","student","year","advertisement","% increase","program","full degree","germany","school","robert harry","university","out-of-state tuition fee","cheap tuition"],"safe":false,"events":[],"threats":[],"sentiment":[{"score":0.76,"label":"neutral"},{"score":0.16,"label":"positive"},{"score":0.08,"label":"negative"}]}},"services":{"amazonTam":{"enabled":true,"pubID":3201,"adServer":"googletag"},"rubiconPrebid":{"enabled":true,"scriptUrl":"https://ads.rubiconproject.com/prebid/10306.js","gdprScriptUrl":"https://ads.rubiconproject.com/prebid/10306_gdpr.js"},"indexExchange":{"enabled":false},"permutive":{"enabled":true,"projectId":"3aba5292-ba75-422b-8715-bd21146f7836","publicKey":"6f1150a7-e587-49c6-b439-a4b7ee68a5a7","version":1},"doubleverify":{"enabled":true}},"meta":{"primaryVertical":"education","categories":"college,europe,college-tuition,college-debt,university","secondaryVerticals":"","author":"erin-liam","pageType":"post","adunit":{"site":"businessinsider","variation":"post","vertical":"education","regionCounter":{"desktop":{"in-content":["gpt-post-education-desktop_in_post_ad-desktop-fluid-1","gpt-post-education-desktop_in_post_ad-desktop-fluid-2","gpt-post-education-desktop_in_post_ad-desktop-fluid-3","gpt-post-education-desktop_in_post_ad-desktop-fluid-4","gpt-post-education-desktop_in_post_ad-desktop-fluid-5","gpt-post-education-desktop_in_post_ad-desktop-fluid-6","gpt-post-education-desktop_in_post_ad-desktop-fluid-7","gpt-post-education-desktop_in_post_ad-desktop-fluid-8","gpt-post-education-desktop_in_post_ad-desktop-fluid-9","gpt-post-education-desktop_in_post_ad-desktop-fluid-10","gpt-post-education-desktop_in_post_ad-desktop-fluid-11","gpt-post-education-desktop_in_post_ad-desktop-fluid-12","gpt-post-education-desktop_in_post_ad-desktop-fluid-13","gpt-post-education-desktop_in_post_ad-desktop-fluid-14","gpt-post-education-desktop_in_post_ad-desktop-fluid-15"]},"mobile":{}},"rawVertical":false}}},"authEnv":"production","fenrirEnv":"production","fenrirWebpackPort":3001,"version":"main-250213.2075","authentication":{"url":"https://account.businessinsider.com","redirectAuth":{"url":"https://auth.businessinsider.com/authorize?response_type=code&client_id=__AUTH-CLIENT-ID__&redirect_uri=__REDIRECT-URI__&state=__UNIQUE-ID__&connection=__CONNECTION-NAME__&scope=openid%20offline_access","key":"1kovu25q4Q11Fx1x1mIKn0AGFas5VS2a"},"clientId":"faf5a910-46c1-47fd-a19a-32071a41547b","recaptcha":{"siteKey":"6Lc34KYZAAAAALr41Qa1RN3K06SrpQTbrN2_WTdh","siteKeyInvisible":"6LeGf2QhAAAAABuMypNcSm7aU69j1kGyUPzEF2L0"}},"newsletterSignUp":"https://account.businessinsider.com/newsletter","newsletterEnv":"production","consentManagement":{},"stripe":{"subscriptionResources":{"renewal-off-annual":{"plansToSubscribeTo":{"usd":{"annual":"f69f772f-a2c8-4768-ad1d-f69784590386"}}},"cancellation-annual-upgrade":{"usd":{"planId":"fb7506b9-570f-4b03-ab0b-c0baac1e46b0","currencySymbol":"$","renewalPrice":"149","offerPrice":"49","monthlyPrice":"25.95","interval":"yearly"},"cad":{"planId":"c12e3e69-0e64-4a8b-81c4-056c9f92dfa4","currencySymbol":"C$","renewalPrice":"199","offerPrice":"59","monthlyPrice":"14.95","interval":"yearly"},"gbp":{"planId":"810be99a-d57c-4c03-b0b6-ea4b9b5e5f00","currencySymbol":"£","renewalPrice":"119","offerPrice":"39","monthlyPrice":"10","interval":"yearly"}},"annual-early-renewal":{"usd":{"planId":"f88bd81d-f8f2-4972-b3de-c37dbcdb3051","currencySymbol":"$","renewalPrice":"149","offerPrice":"69"},"cad":{"planId":"89f953cf-ebf2-4353-8f74-6c15d4ecf3c9","currencySymbol":"C$","renewalPrice":"99","offerPrice":"69"},"gbp":{"planId":"3120f175-7e06-4ada-b844-5bb26f7c5f53","currencySymbol":"£","renewalPrice":"79","offerPrice":"55"}},"annual-switch":{"usd":{"planId":"92ef4403-b84d-421f-abca-a8ec85b9c71d","currencySymbol":"$","renewalPrice":"149","offerPrice":"39","interval":"yearly"},"cad":{"planId":"7c0d5e2d-901a-4e42-9194-4219a9686028","currencySymbol":"C$","renewalPrice":"179","offerPrice":"49","interval":"yearly"},"gbp":{"planId":"af40180b-4803-4b6b-adab-96b88876e54b","currencySymbol":"£","renewalPrice":"105","offerPrice":"29","interval":"yearly"}},"annual-switch-limited-offer":{"usd":{"planId":"e370ef9e-d604-4f2a-a6f0-42589158b973","currencySymbol":"$","renewalPrice":"149","offerPrice":"29","interval":"yearly"}},"preCancellationOffer":{"usd":{"planId":"fb7506b9-570f-4b03-ab0b-c0baac1e46b0","currencySymbol":"$","renewalPrice":"149","offerPrice":"49","monthlyPrice":"25.95","interval":"yearly"},"cad":{"planId":"c12e3e69-0e64-4a8b-81c4-056c9f92dfa4","currencySymbol":"C$","renewalPrice":"199","offerPrice":"59","monthlyPrice":"14.95","interval":"yearly"},"gbp":{"planId":"810be99a-d57c-4c03-b0b6-ea4b9b5e5f00","currencySymbol":"£","renewalPrice":"119","offerPrice":"39","monthlyPrice":"10","interval":"yearly"}},"plansNotToShowRetentionOffer":[]}},"sigyn":"https://membership-api.businessinsider.com","idun":"https://membership-api.businessinsider.com","skadi":"https://membership-api.businessinsider.com","forsetiUrl":"https://my.businessinsider.com","basicAuth":{"domain":"https://membership-api.businessinsider.com","apiKey":"OGU5ZWUyZWUtNjM2ZS00OTdiLWI0OTUtYTliOGIzMjQ1ODA2"},"tracking":{"providerName":["ga","t","comscore"],"base_url":"//www.businessinsider.com","postTrackingObject":{"pageType":"post","postID":"66fbb561e5b54083003d95c2","postURI":"more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","publisher":"","editor":"Alexandra Karplus","vertical":"education","verticals":["education"],"author":"Erin Liam","category":"College|Europe|College Tuition|college debt|University","dateModified":"2024-10-25","datePublished":"2024-10-25","numSlides":0,"wordCount":1530,"abTest":"|capiv2-100-0:c|sll:c|","splitTest":null,"secondaryVerticals":"","theme":"default"},"data":{"gtm":{"id":"GTM-MP6F46L","env_string":""},"domains":["businessinsider.com","insider.com"],"t":{"pixel":"https://i.businessinsider.com/t.gif"}}},"logging":true,"abTests":[{"name":"capiv2-100-0","value":"c"},{"name":"sll","value":"c"}],"splitTests":[],"featureFlags":{"shouldConsentDialogAutoClose":false,"disablePrebidRubicon":false,"disableAllAbTests":false,"activityLogging":false,"logs":false,"forceSpeedcurveSample":false,"forceDataDogRumSample":false,"disableDataDogRumSample":false,"forceDataDogLogs":false,"disableDataDogLogs":false,"unified":false,"trending":false,"developerBar":false,"changeCorrelator":false,"adFree":false,"renderTicker":false,"appSoftLaunch":false,"ignoreRedirect":false,"lcpPerformanceShowcase":false,"ampMarquee":false,"removeTickerHubNav":false,"storyVersioningApi":false,"testLatestSharedComponents":false,"myInsiderCorporate":false,"utmContentMarketing":false,"ampAdConsent":false,"ampAdConsentPurposes":false,"webVitals":false,"isPersonalizedOffer":false,"hideOpm":false,"useMockDadRecs":false,"metaPixel":false,"buildAudioTranscript":false,"videoShowsPreview":false,"disableAutoplay":false,"useAISearch":true,"useMockVerticals":false,"productVersus":false,"postRebrand":false,"forceStyleLoader":false},"sticky":{"siteSkinEnabled":false,"stickyActiveHeaderHeaderHeight":71,"subnavStickyAdBuffer":250},"dataLayer":{"pageType":"post","postID":"66fbb561e5b54083003d95c2","postURI":"more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","publisher":"","editor":"Alexandra Karplus","vertical":"education","author":"Erin Liam","category":"College|Europe|College Tuition|college debt|University","dateModified":"2024-10-25","datePublished":"2024-10-25","wordCount":1530,"abTest":"|capiv2-100-0:c|sll:c|","secondaryVerticals":"","theme":"default"},"shouldDeferScripts":true,"shouldManageConsent":false,"delayThirdPartyScripts":false,"facets":{"url":"https://www.businessinsider.com/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","path":"/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","site":"bi","type":"story","vertical":"education","categories":["college","europe","college-tuition","college-debt","university"],"components":[],"embeds":[],"shortcodes":[]},"embedConfig":{},"proxyUrl":"https://www.businessinsider.com/","datadogProxyUrl":"https://www.businessinsider.com//ajax/dd","capiVer":1,"subscribeEnabled":true,"name":"Business Insider","domain":"businessinsider","twitter":"businessinsider","x":"businessinsider","linkedIn":"businessinsider","youtube":"@BusinessInsider","instagram":"businessinsider","resourceName":"bi","identifier":"bi","targetingName":"business-insider","adUnitSite":"businessinsider","assetsPath":"BI","s3Directory":"us","searchIdentifier":"businessinsider.com","color":"#fff","gaId":"UA-2241657-6","ampGtmId":"GTM-MVJQ7ZG","ampGaId":"UA-2241657-6","fbContentId":"20446254070","appleItunesAppId":"554260576","description":"Business Insider tells the global tech, finance, stock market, media, economy, lifestyle, real estate, AI and innovative stories you want to know.","verticalLabelMapping":{"bi intelligence":"Business Insider Intelligence","bi news":"News","tech insider":"Tech","wuhan coronavirus":"coronavirus","beauty (reviews)":"Beauty","deals (reviews)":"Deals","tickets (reviews)":"Tickets","education (reviews)":"Education","tech (reviews)":"Tech","fitness (reviews)":"Fitness","gifts (reviews)":"Gifts","health (reviews)":"Health","home (reviews)":"Home","kitchen (reviews)":"Kitchen","outdoors (reviews)":"Outdoors","parenting (reviews)":"Parenting","pets (reviews)":"Pets","streaming (reviews)":"Streaming","style (reviews)":"Style","travel (reviews)":"Travel","learning (reviews)":"Learning","hobbies & crafts (reviews)":"Hobbies & Crafts","diet & nutrition (reference)":"Diet & Nutrition","investing (reference)":"Investing","economics & markets (reference)":"Economics & Markets","investment assets (reference)":"Investment Assets","investment accounts (reference)":"Investment Accounts","investing strategies (reference)":"Investing Strategies","professionals & advisors (reference)":"Professionals & Advisors","laptops & tablets (reference)":"Laptops & Tablets","gadgets (reference)":"Gadgets","gaming (reference)":"Gaming","smart home (reference)":"Smart Home","smartphones (reference)":"Smartphones","software & apps (reference)":"Software & Apps","streaming (reference)":"Streaming"},"rubicon":{"siteId":"240980","mobileStickyLower":"1188648-320x50","mobileInPost":"1684838-300x250"},"dynamicEnabled":true,"socialLinks":{"facebook":"https://www.facebook.com/businessinsider","x":"https://x.com/businessinsider","instagram":"https://www.instagram.com/businessinsider/","youTube":"https://www.youtube.com/user/businessinsider","linkedIn":"https://www.linkedin.com/company/businessinsider/"},"crossDomainAuth":{"mi":"https://markets.businessinsider.com"},"subdomain":"www","bylineNoShows":["insider","business insider","business insider uk"],"partials":{},"components":{"ai-search":{},"back-to-home":{"display":{"postPage":true,"showPage":true},"content":{"default":{"link":"/","text":"HOME"},"video":{"link":"https://www.businessinsider.com/video","text":"VIDEO"}}},"legacy-share":{"byline":{"shareOptions":["facebook","email","x","linkedin","copylink","impact"]}},"my-insider":"","share":{"default":["facebook","email","x","linkedin","copy"]},"subscription-corporate/seats-card":{"api":{"domain":"https://membership-api.businessinsider.com","apiKey":"OGU5ZWUyZWUtNjM2ZS00OTdiLWI0OTUtYTliOGIzMjQ1ODA2"},"plan":"3fe932aa-1d63-45d6-9e84-8ba2f1aaea21"},"vendor-taboola":{"taboolaLoader":"//cdn.taboola.com/libtrc/businessinsider/loader.js","postBottom":{"desktop":{"id":"taboola-below-main-column","mode":"thumbs-1r","placement":"below-main-column","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article","mode":"thumbs-2r-mobile","placement":"Below Article Thumbnails Mobile","targetType":"mix","onlyOn":"mobile"}},"referenceLibraryPostBottom":{"desktop":{"id":"taboola-below-article-thumbnails---reference-page","mode":"thumbs-1r","placement":"Below Article Thumbnails - Reference Page","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article-thumbnails---reference-page---mobile","mode":"thumbs-2r-mobile","placement":"Below Article Thumbnails - Reference Page - Mobile","targetType":"mix","onlyOn":"mobile"}},"migratedPostBottom":{"desktop":{"id":"taboola-below-article-thumbnails---insider","mode":"thumbs-feed-01-new","placement":"Below Article Thumbnails - Insider","targetType":"mix","onlyOn":"desktop"},"mobile":{"id":"taboola-below-article-thumbnails-mobile---insider","mode":"thumbs-feed-01-new","placement":"Below Article Thumbnails Mobile - Insider","targetType":"mix","onlyOn":"mobile"}}}},"componentsToLoad":{},"adsTxtDir":"/us/ads.txt","appAdsTxtDir":"/us/app-ads.txt","shareButtons":{"topBarShareButtons":["x","linkedin","facebook","email","copylink"],"videoShareButtons":{"dropdownButtons":["x","linkedin","copylink"],"buttons":["facebook","email"]},"slideShareButtons":{"dropdownButtons":["x","linkedin","facebook","email","copylink"]}},"rubiconAmp":{"amp":{"business":{"siteId":"240980","stickyLower":"1188648-320x50","inPost":"1684838-300x250"},"life":{"siteId":"332812","stickyLower":"1745222-320x50","inPost":"1745220-300x250"},"news":{"siteId":"332810","stickyLower":"1745218-320x50","inPost":"1745216-300x250"},"default":{"siteId":"240982","stickyLower":"1188650-320x50","inPost":"1684840-300x250"}}},"zendesk":{"chatKey":"76a7a72c-2c9b-455e-b822-8cb01a97e60d"},"trackingAnalyticName":"Live Election Feed","notificationBanner":{"type":"","data":{"copyTitle":"","copy":"","cta":""},"defaultState":"active","maxViews":false,"defaultClass":"d-md-none active","disallowInApp":true,"gaEvent":"","gaEventCategory":""},"topNotice":{"targetBrowsers":["MSIE","Trident"],"targetCategories":["pfi-tpg"],"data":{"copy":"Hmm...It looks like you’re using an outdated or unsupported browser that may not render correctly. For the best experience, we recommend using the latest version of Google Chrome, Safari, Microsoft Edge, or Firefox"}},"bifrost":{"production":"https://bifrost-bfp.pages.dev","development":"https://staging.bifrost-bfp.pages.dev"},"sharedRecaptcha":{"V2SiteKey":"6Lc34KYZAAAAALr41Qa1RN3K06SrpQTbrN2_WTdh","V2SiteKeyInvisible":"6LeGf2QhAAAAABuMypNcSm7aU69j1kGyUPzEF2L0"},"gtmIdGA4":"GTM-MP6F46L","jwPlayer":{"hero":"puACk8ZV","nowWatch":"P0a1LFN5","inPost":"rpoASVKQ","playlist":"Vtl6VSDD","featuredVideo":"JoOudDws"},"recommendationsPlaylist":{"ins":"TXrojpv3","bi":"4yvN3aI1"},"errorSearch":{"action":"/s","name":"q"},"editions":[{"country":"Deutschland & Österreich","url":"https://www.businessinsider.de?IR=C","abbr":"AT"},{"country":"Deutschland","url":"https://businessinsider.de?IR=C","abbr":"DE","footerOnly":true},{"country":"España","url":"https://businessinsider.es","abbr":"ES"},{"country":"Japan","url":"https://www.businessinsider.jp","abbr":"JP"},{"country":"Netherlands","url":"https://www.businessinsider.nl?IR=C","abbr":"NL"},{"country":"Polska","url":"https://www.businessinsider.com.pl/?IR=C","abbr":"PL"}],"editionPicker":[{"text":"US edition","items":[{"text":"Deutschland & Österreich","href":"https://www.businessinsider.de?IR=C"},{"text":"España","href":"https://businessinsider.es"},{"text":"Japan","href":"https://www.businessinsider.jp"},{"text":"Netherlands","href":"https://www.businessinsider.nl?IR=C"},{"text":"Polska","href":"https://www.businessinsider.com.pl/?IR=C"}]}],"validDomains":["insider.com","businessinsider.com","insider.engineering","forseti.pages.dev","my.businessinsider.com","localhost"],"formSubmit":{"corporateLanding":{"sender":"support@businessinsider.com","receivers":["group-subscriptions@businessinsider.com"],"subject":"Group Subscriptions - Over 60 Seats"}},"doubleVerifyCodes":{"dvClientCode":"23280644","dvSettingsCode":"DV673672"},"appsFlyer":{"oneLink":"https://insider-app.onelink.me/4cpG"},"consentManagementSourcepoint":{"euPrivacyManagerModalId":"1165664","usPrivacyManagerModalId":"1112289"}},"id":"more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","meta":{"biContextualAnalysis":{"emotionalAnalysis":{"model":"gpt-4o","predictions":{"amusement":{"parsed":0,"raw":"0."},"anger":{"parsed":0.2,"raw":"0.2"},"critical_thinking":{"parsed":0.5,"raw":"0.5"},"empathy":{"parsed":1,"raw":"1"},"enjoyment":{"parsed":0.7,"raw":"0.7"},"fear":{"parsed":0.5,"raw":"0.5"},"forward_thinking":{"parsed":0,"raw":"0"},"inquisitiveness":{"parsed":0.9,"raw":"0.9"},"inspiration":{"parsed":0.5,"raw":"0.5"},"love":{"parsed":0,"raw":"0"},"optimism":{"parsed":0.7,"raw":"0.7"},"reflection":{"parsed":0.5,"raw":"0.5"},"sadness":{"parsed":0.2,"raw":"0.2"}},"version":1}},"created":"2024-10-25T02:45:27.845Z","createdBy":"Alexandra Karplus","disableAffiliatizer":false,"disableAutolinker":false,"disableInlineAds":false,"disablePfiShortcodes":false,"disablePopularVideo":false,"disableSidebar":false,"disableSimpleReach":true,"disableTaboola":false,"editor":"Alexandra Karplus","hidden":false,"inMigrated":false,"vikingID":"66fbb561e5b54083003d95c2","breadcrumbs":[{"label":"Education","link":"https://www.businessinsider.com/education","isPrefix":false,"subClass":" breadcrumbs-no-spacer"}],"isMobileAppShell":false,"isSponsored":false,"isBii":false,"isOpinion":false,"isReviews":false,"isHelpfulness":false,"hasReferenceVertical":false,"isReferenceSubVertical":false,"isBreaking":false,"isLive":false,"isExclusive":false,"isPersonalFinance":false,"permutive":{"post":{"page":{"type":"story","article":{"author":"Erin Liam","description":"Besides the draw of cheaper tuition, some American students choose to study abroad for the chance to travel or to pursue a specific program.","section":"education","date":"2024-10-25T02:45:27Z","keywords":["college","europe","college-tuition","college-debt","university"],"title":"College in the US was too expensive, so these students opted for Europe","ca":{"taxonomy":["Education","Education/College Education/College Planning","Education/Secondary Education","Education/Educational Assessment/Standardized Testing","Education/College Education/Postgraduate Education"],"taxonomyBreakdown":["Education","College Education","College Planning","Secondary Education","Educational Assessment","Standardized Testing","Postgraduate Education"],"taxonomyIds":["132","138","135","144","139"],"keywords":["college","europe","us","student","year","advertisement","% increase","program","full degree","germany","school","robert harry","university","out-of-state tuition fee","cheap tuition"],"safe":false,"events":[],"threats":[],"sentiment":[{"score":0.76,"label":"neutral"},{"score":0.16,"label":"positive"},{"score":0.08,"label":"negative"}]}}}}},"pressboard":false,"isEditSeries":false,"isCustomPage":false,"isMarketsInsiderExclusive":false,"isMarketsInsiderSyndicated":false,"disablePrimis":false,"socialReferrer":null,"postPromo":{},"newsKeywords":"Education, College, Europe","affilimateKeywords":"","filteredReactions":["critical_thinking","empathy","enjoyment","fear","inquisitiveness","inspiration","optimism","reflection"],"hasAmpPage":false,"robots":"max-image-preview:large","hasVideoPlayer":true,"disableTicker":true,"shouldShowContent":true,"containsSummaryBullets":true,"showRecirc":true,"paywall":{"isExempt":false}},"path":"/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","attributes":{"categories":["College","Europe","College Tuition","college debt","University"]},"relationships":{"authors":{"data":[{"type":"author","id":"erin-liam","attributes":{"company":"Business Insider","email":"eliam@insider.com","label":"Erin Liam","title":"Junior Reporter"},"relationships":{"image":{"data":{"type":"image","id":"675133738fbb2783ed2fd744","attributes":{"caption":"-","contentType":"image/jpeg","height":668,"source":"Erin Liam","width":668},"links":{"self":"https://i.insider.com/675133738fbb2783ed2fd744"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/erin-liam","site":"https://www.businessinsider.com/author/erin-liam"}}]},"categories":{"data":[{"type":"category","id":"college","attributes":{"label":"College"},"links":{"site":"https://www.businessinsider.com/category/college"},"isIndexable":true},{"type":"category","id":"europe","attributes":{"label":"Europe"},"links":{"site":"https://www.businessinsider.com/category/europe"},"isIndexable":true},{"type":"category","id":"college-tuition","attributes":{"label":"College Tuition"},"links":{"site":"https://www.businessinsider.com/category/college-tuition"},"isIndexable":false},{"type":"category","id":"college-debt","attributes":{"label":"college debt"},"links":{"site":"https://www.businessinsider.com/category/college-debt"},"isIndexable":false},{"type":"category","id":"university","attributes":{"label":"University"},"links":{"site":"https://www.businessinsider.com/category/university"},"isIndexable":false}]},"verticals":{"data":[{"type":"vertical","id":"education","attributes":{"created":"2016-12-05T18:37:20Z","label":"Education","modified":"2017-10-18T15:28:08Z"},"links":{"facebook":{"href":"https://www.facebook.com/businessinsider","meta":{"username":"businessinsider"}},"posts":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/education/posts","self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/verticals/education","site":"https://www.businessinsider.com/education","twitter":{"href":"https://www.twitter.com/CareersInsider","meta":{"username":"CareersInsider"}}}}]},"relatedVideos":{"data":[{"type":"video","id":"childcare-families-cost-expensive-daycare-kids-children-home-kids-2024-3","attributes":{"flags":{"isOriginal":true,"showPreRoll":true,"showRecommendations":true},"published":"2024-03-22T21:38:59Z","title":"Why childcare has become so unaffordable"},"relationships":{"authors":{"data":[{"type":"author","id":"bethany-johnson","attributes":{"company":"Business Insider ","email":"bjohnson@insider.com","label":"Bethany Johnson","title":"Producer "},"relationships":{"image":{"data":{"type":"image","id":"649c51026eb0a800194d7a8d","attributes":{"caption":"","contentType":"","height":1000,"source":"","width":1000},"links":{"self":"https://i.insider.com/649c51026eb0a800194d7a8d"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/bethany-johnson","site":"https://www.businessinsider.com/author/bethany-johnson"}},{"type":"author","id":"katie-notopoulos","attributes":{"company":"","email":"knotopoulos@businessinsider.com","label":"Katie Notopoulos","title":"Senior Correspondent, Tech and Business","anchor":true,"tagline":"Senior Correspondent covering technology and culture"},"relationships":{"image":{"data":{"type":"image","id":"6785314850dfd88e193e0de7","attributes":{"caption":"","contentType":"","height":1000,"source":"","width":1000},"links":{"self":"https://i.insider.com/6785314850dfd88e193e0de7"}}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/katie-notopoulos","site":"https://www.businessinsider.com/author/katie-notopoulos","twitter":{"href":"https://twitter.com/katienotopoulos","meta":{"username":"katienotopoulos"}}}},{"type":"author","id":"jose-duran","attributes":{"company":"","email":"jduran@insider.com","label":"Jose Duran","title":"Video Editor"},"relationships":{"image":{"data":{"type":"image"}}},"links":{"self":"https://content-api-cache-internal.insider-prd.engineering/v1/bi/authors/jose-duran","site":"https://www.businessinsider.com/author/jose-duran"}}]},"thumbnail":{"data":{"type":"image","id":"65fdeed24af076d3cf92f1f9","attributes":{"caption":"","contentType":"image/png","height":1080,"source":"BI","width":1920},"links":{"self":"https://i.insider.com/65fdeed24af076d3cf92f1f9"}}}},"links":{},"meta":{"_id":"65fc90a9c73098a6ca14c3b3","jwplayer":{"assetID":"WfBDNP6i"}},"rid":9436299511}]}},"subType":"story","superVertical":"politics","type":"post","continentCode":"AS","deviceType":"desktop","isBot":false,"privacyApi":"NONE","env":"production"} || {"config": {}}; window.Fenrir.cmd = window.Fenrir.cmd || []; </script> <script> LUX=function(){var e="undefined"!=typeof LUX&&void 0!==LUX.gaMarks?LUX.gaMarks:[],n="undefined"!=typeof LUX&&void 0!==LUX.gaMeasures?LUX.gaMeasures:[],t="LUX_start",r=window.performance,a="undefined"!=typeof LUX&&LUX.ns?LUX.ns:Date.now?Date.now():+new Date;function u(){if(r){if(r.now)return r.now();if(r.webkitNow)return r.now();if(r.msNow)return r.now();if(r.mozNow)return r.now()}return(Date.now?Date.now():+new Date)-a}function o(n){return function(e,n){for(i=n.length-1;i>=0;i--){var t=n[i];if(e===t.name)return t}return}(n,function(){if(r){if(r.getEntriesByType)return r.getEntriesByType("mark");if(r.webkitGetEntriesByType)return r.webkitGetEntriesByType("mark")}return e}())}return r&&r.timing&&r.timing.navigationStart&&(a=r.timing.navigationStart),{mark:function(n){if(r){if(r.mark)return r.mark(n);if(r.webkitMark)return r.webkitMark(n)}e.push({name:n,entryType:"mark",startTime:u(),duration:0})},measure:function(e,i,a){if(void 0===i&&o(t)&&(i=t),r){if(r.measure)return i?a?r.measure(e,i,a):r.measure(e,i):r.measure(e);if(r.webkitMeasure)return r.webkitMeasure(e,i,a)}var f=0,s=u();if(i){var m=o(i);if(m)f=m.startTime;else{if(!(r&&r.timing&&r.timing[i]))return;f=r.timing[i]-r.timing.navigationStart}}if(a){var w=o(a);if(w)s=w.startTime;else{if(!(r&&r.timing&&r.timing[a]))return;s=r.timing[a]-r.timing.navigationStart}}n.push({name:e,entryType:"measure",startTime:f,duration:s-f})},gaMarks:e,gaMeasures:n}}(),LUX.ns=Date.now?Date.now():+new Date,LUX.ac=[],LUX.cmd=function(e){LUX.ac.push(e)},LUX.init=function(){LUX.cmd(["init"])},LUX.send=function(){LUX.cmd(["send"])},LUX.addData=function(e,n){LUX.cmd(["addData",e,n])}; LUX.label="story"; // PageType: homepage, story, slideshow, video, hubpage, etc. LUX.minMeasureTime = 7000; LUX.maxMeasureTime = 30000;LUX.sendBeaconOnPageHidden = true; // Set this to true when not in auto fire mode LUX.auto = false; // We will manually fire once GDPR scripts have loaded (consent-handler.js) // Custom Dimensions LUX.addData('siteName', 'Business Insider'); LUX.addData('primaryVertical', 'education'); LUX.addData('categories', 'College,Europe,College Tuition,college debt,University'); LUX.addData('continentCode', 'AS'); LUX.addData('premium', '[object Object]'); // We can't call LUX.forceSample until the API is on the page window.Fenrir.sampleSpeedcurve = function sampleSpeedcurve() { if (window.LUX?.forceSample && window.Fenrir?.config?.featureFlags?.forceSpeedcurveSample) { window.LUX.forceSample(); } } </script> <script async src="https://cdn.speedcurve.com/js/lux.js?id=38383524" onload="window.Fenrir.sampleSpeedcurve()" ></script> <script> (function(){ var toFirstRequest = 'Inline Scripts Init - Start'; var toAdLibrary = 'Inline Scripts Ad Library Loaded - Start'; function createMark(markName) { var perfMarks = window.performance; var lux = window.LUX; if (perfMarks && perfMarks.clearMarks && perfMarks.mark) { perfMarks.clearMarks(markName); perfMarks.mark(markName); } else if (lux && lux.mark) { lux.mark(markName); } } createMark(toFirstRequest); createMark(toAdLibrary); })() </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22ANALYTICS%22%20async%3D%22%22src%3D%22https%3A%2F%2Fcdn.confiant-integrations.net%2Fcdnm50QDU6s2lq_RrjTCOPkh-uY%2Fgpt_and_prebid%2Fconfig.js%22%3E%3C%2Fscript%3E" });</script> <!-- start Permutive --> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%3E%0A%20%20%20%20%20%20!function(e%2Co%2Cn%2Ci)%7Bif(!e)%7Be%3De%7C%7C%7B%7D%2Cwindow.permutive%3De%2Ce.q%3D%5B%5D%3Bvar%20t%3Dfunction()%7Breturn(%5B1e7%5D%2B-1e3%2B-4e3%2B-8e3%2B-1e11).replace(%2F%5B018%5D%2Fg%2Cfunction(e)%7Breturn(e%5E(window.crypto%7C%7Cwindow.msCrypto).getRandomValues(new%20Uint8Array(1))%5B0%5D%2615%3E%3Ee%2F4).toString(16)%7D)%7D%3Be.config%3Di%7C%7C%7B%7D%2Ce.config.apiKey%3Do%2Ce.config.workspaceId%3Dn%2Ce.config.environment%3De.config.environment%7C%7C%22production%22%2C(window.crypto%7C%7Cwindow.msCrypto)%26%26(e.config.viewId%3Dt())%3Bfor(var%20g%3D%5B%22addon%22%2C%22identify%22%2C%22track%22%2C%22trigger%22%2C%22query%22%2C%22segment%22%2C%22segments%22%2C%22ready%22%2C%22on%22%2C%22once%22%2C%22user%22%2C%22consent%22%5D%2Cr%3D0%3Br%3Cg.length%3Br%2B%2B)%7Bvar%20w%3Dg%5Br%5D%3Be%5Bw%5D%3Dfunction(o)%7Breturn%20function()%7Bvar%20n%3DArray.prototype.slice.call(arguments%2C0)%3Be.q.push(%7BfunctionName%3Ao%2Carguments%3An%7D)%7D%7D(w)%7D%7D%7D(window.permutive%2C%226f1150a7-e587-49c6-b439-a4b7ee68a5a7%22%2C%223aba5292-ba75-422b-8715-bd21146f7836%22%2C%7B%22apiHost%22%3A%20%22permutive.businessinsider.com%22%2C%20%22consentRequired%22%3A%20true%7D)%3B%0A%20%20%20%20%20%20window.googletag%3Dwindow.googletag%7C%7C%7B%7D%2Cwindow.googletag.cmd%3Dwindow.googletag.cmd%7C%7C%5B%5D%2Cwindow.googletag.cmd.push(function%20permutiveCmd()%7Bif(0%3D%3D%3Dwindow.googletag.pubads().getTargeting(%22permutive%22).length)%7Bvar%20e%3Dwindow.localStorage.getItem(%22_pdfps%22)%3Bwindow.googletag.pubads().setTargeting(%22permutive%22%2Ce%3FJSON.parse(e)%3A%5B%5D)%3Bvar%20o%3Dwindow.localStorage.getItem(%22permutive-id%22)%3Bo%26%26(window.googletag.pubads().setTargeting(%22puid%22%2Co)%2Cwindow.googletag.pubads().setTargeting(%22ptime%22%2CDate.now().toString()))%2Cwindow.permutive.config.viewId%26%26window.googletag.pubads().setTargeting(%22prmtvvid%22%2Cwindow.permutive.config.viewId)%2Cwindow.permutive.config.workspaceId%26%26window.googletag.pubads().setTargeting(%22prmtvwid%22%2Cwindow.permutive.config.workspaceId)%7D%7D)%3B%0A%20%20%20%20%20%20%3C!--%20permutive%20script%20for%20post%20page%20--%3E%0A%20%20%20%20%20%20window.permutive.stopMapper%20%3D%20true%3B%0A%20%20%20%20%20%20window.permutive.addon(%22web%22%2C%20%7B%22page%22%3A%7B%22type%22%3A%22story%22%2C%22article%22%3A%7B%22author%22%3A%22Erin%20Liam%22%2C%22description%22%3A%22Besides%20the%20draw%20of%20cheaper%20tuition%2C%20some%20American%20students%20choose%20to%20study%20abroad%20for%20the%20chance%20to%20travel%20or%20to%20pursue%20a%20specific%20program.%22%2C%22section%22%3A%22education%22%2C%22date%22%3A%222024-10-25T02%3A45%3A27Z%22%2C%22keywords%22%3A%5B%22college%22%2C%22europe%22%2C%22college-tuition%22%2C%22college-debt%22%2C%22university%22%5D%2C%22title%22%3A%22College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe%22%2C%22ca%22%3A%7B%22taxonomy%22%3A%5B%22Education%22%2C%22Education%2FCollege%20Education%2FCollege%20Planning%22%2C%22Education%2FSecondary%20Education%22%2C%22Education%2FEducational%20Assessment%2FStandardized%20Testing%22%2C%22Education%2FCollege%20Education%2FPostgraduate%20Education%22%5D%2C%22taxonomyBreakdown%22%3A%5B%22Education%22%2C%22College%20Education%22%2C%22College%20Planning%22%2C%22Secondary%20Education%22%2C%22Educational%20Assessment%22%2C%22Standardized%20Testing%22%2C%22Postgraduate%20Education%22%5D%2C%22taxonomyIds%22%3A%5B%22132%22%2C%22138%22%2C%22135%22%2C%22144%22%2C%22139%22%5D%2C%22keywords%22%3A%5B%22college%22%2C%22europe%22%2C%22us%22%2C%22student%22%2C%22year%22%2C%22advertisement%22%2C%22%25%20increase%22%2C%22program%22%2C%22full%20degree%22%2C%22germany%22%2C%22school%22%2C%22robert%20harry%22%2C%22university%22%2C%22out-of-state%20tuition%20fee%22%2C%22cheap%20tuition%22%5D%2C%22safe%22%3Afalse%2C%22events%22%3A%5B%5D%2C%22threats%22%3A%5B%5D%2C%22sentiment%22%3A%5B%7B%22score%22%3A0.76%2C%22label%22%3A%22neutral%22%7D%2C%7B%22score%22%3A0.16%2C%22label%22%3A%22positive%22%7D%2C%7B%22score%22%3A0.08%2C%22label%22%3A%22negative%22%7D%5D%7D%7D%7D%7D)%3B%0A%20%20%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%20data-request-consent%3D%22permutive%22%20async%20src%3D%22https%3A%2F%2Fbusinessinsider.edge.permutive.app%2F3aba5292-ba75-422b-8715-bd21146f7836-web.js%22%3E%3C%2Fscript%3E" });</script> <!-- end Permutive --> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%3E%0A%20%20%20%20(function()%7B%0A%20%20%20%20%20%20var%20cookies%20%3D%20document.cookie.split('%3B').reduce(function(acc%2C%20val)%20%7B%0A%20%20%20%20%20%20%20%20var%20p%20%3D%20val.trim().split('%3D')%3B%0A%20%20%20%20%20%20%20%20acc%5Bp%5B0%5D%5D%20%3D%20p%5B1%5D%3B%0A%20%20%20%20%20%20%20%20return%20acc%3B%0A%20%20%20%20%20%20%7D%2C%20%7B%7D)%3B%0A%20%20%20%20%0A%20%20%20%20%20%20var%20identify%20%3D%20%5B%5D%2C%20iId%2C%20aId%3B%0A%20%20%20%20%20%20if%20(iId%20%3D%20cookies%5B'insider_uid'%5D)%20identify.push(%7B%22id%22%3A%20iId%2C%20%22tag%22%3A%20%22insider_uid%22%2C%20%22priority%22%3A1%7D)%3B%0A%20%20%20%20%20%20if%20(aId%20%3D%20cookies%5B'anonymous_id'%5D)%20identify.push(%7B%22id%22%3A%20aId%2C%20%22tag%22%3A%20%22anonymous_id%22%2C%20%22priority%22%3A2%7D)%3B%0A%20%20%20%20%20%20if%20(uId%20%3D%20cookies%5B'universal_id'%5D)%20identify.push(%7B%22id%22%3A%20uId%2C%20%22tag%22%3A%20%22universal_id%22%2C%20%22priority%22%3A2%7D)%3B%0A%20%20%20%20%20%20if%20(identify.length)%20window.permutive.identify(identify)%3B%0A%20%20%20%20%7D)()%0A%20%20%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20async%3D%22async%22%20data-track-load%3D%22gpt%22%20data-consent%3D%22MARKETING%22%20src%3D%22https%3A%2F%2Fsecurepubads.g.doubleclick.net%2Ftag%2Fjs%2Fgpt.js%3Fnetwork-code%3D4442842%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%3E(function()%7Bvar%20e%3Ddocument.createElement(%22script%22)%2Ct%3Ddocument.getElementsByTagName(%22script%22)%5B0%5D%3Be.async%3D!0%2Ce.type%3D%22text%2Fjavascript%22%2Ce.src%3D%22%2F%2Fimasdk.googleapis.com%2Fjs%2Fsdkloader%2Fima3.js%22%2Ct.parentNode.insertBefore(e%2Ct)%7D)()%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20async%20data-consent%3D%22MARKETING%22%20src%3D%22https%3A%2F%2Fpub.doubleverify.com%2Fdvtag%2F23280644%2FDV673672%2Fpub.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22amazon-script%22%3E(()%3D%3E%7B%22use%20strict%22%3Bvar%20e%3D%7B5660%3A()%3D%3E%7Bfunction%20e()%7Bconst%7BtaxonomyIds%3Ae%3D%5B%5D%7D%3Dwindow.Fenrir.config%3F.ads%3F.data%3F.verity%7C%7C%7B%7D%3Breturn%20e%7Dfunction%20n()%7Bconst%20n%3De()%2Ci%3D%7BpubID%3A%223201%22%2CadServer%3A%22googletag%22%2Cdeals%3A!0%7D%3Bn.length%26%26(i.signals%3D%7Bortb2%3A%7Bsite%3A%7Bext%3A%7Bdata%3A%7Bsegments%3An%7D%7D%7D%7D%7D)%2Cwindow.Fenrir.console.info(%7Bnow%3Awindow.Fenrir.getTime()%2Cstep%3A%22headerBidding%20-%20TAM%20init%22%2Cservice%3A%22amazon%22%2CapsTagConfig%3A%7B...i%7D%7D)%2Cwindow.apstag.init(i)%3Btry%7Bconst%20e%3D%22GPP%22%3D%3D%3Dwindow.Fenrir.privacyApi%2Cn%3D%22opt-in%22%3D%3D%3DlocalStorage.getItem(%22fenrirConsentStatus%22)%3Blet%20i%3Dwindow.localStorage.getItem(%22email_hashes%22)%3Bif(i)i%3DJSON.parse(i)%3Belse%7Bconst%20e%3Dnew%20URLSearchParams(window.location.search).get(%22x%22)%3Be%26%26(i%3D%7Bemail_sha256%3Ae%7D%2ClocalStorage.setItem(%22email_hashes%22%2CJSON.stringify(i)))%7Dif(i%26%26e%26%26n)%7Bconst%20e%3D%7BhashedRecords%3A%5B%7Btype%3A%22email%22%2Crecord%3Ai.email_sha256%7D%5D%2Cduration%3A1209600%7D%3Bwindow.Fenrir.console.info(%7Bstep%3A%22headerBidding%20-%20TAM%20token%20setting%22%2Cservice%3A%22amazon%22%2CtamTokenConfig%3A%7B...e%7D%7D)%2Cwindow.apstag.rpa(e)%7D%7Dcatch(e)%7Bconsole.error(e)%7D%7D!function(e%2Cn%2Ci%2Ct%2Co%2Ca%2Cr)%7Bfunction%20s(i%2Ct)%7Bn%5Be%5D._Q.push(%5Bi%2Ct%5D)%7Dn%5Be%5D%7C%7C(n%5Be%5D%3D%7Binit()%7Bs(%22i%22%2Carguments)%7D%2CfetchBids()%7Bs(%22f%22%2Carguments)%7D%2CsetDisplayBids()%7B%7D%2CtargetingKeys%3A()%3D%3E%5B%5D%2Cdpa()%7Bs(%22di%22%2Carguments)%7D%2Crpa()%7Bs(%22ri%22%2Carguments)%7D%2Cupa()%7Bs(%22ui%22%2Carguments)%7D%2C_Q%3A%5B%5D%7D%2C(a%3Di.createElement(t)).async%3D!0%2Ca.src%3D%22%2F%2Fc.amazon-adsystem.com%2Faax2%2Fapstag.js%22%2C(r%3Di.getElementsByTagName(t)%5B0%5D).parentNode.insertBefore(a%2Cr))%7D(%22apstag%22%2Cwindow%2Cdocument%2C%22script%22)%3Blet%20i%3D!1%3Bwindow.__gpp%26%26window.Fenrir%3F.cm%3F.usPrivacyApplies%26%26window.__gpp(%22ping%22%2C(e%3D%3E%7Bi%3D!0%2Cn()%2Cwindow.Fenrir.console.log(%22Amazon%20GPT%20GPP%22%2Ce)%7D))%2Cwindow.__uspapi%26%26!i%26%26window.__uspapi(%22getUSPData%22%2C1%2C(e%3D%3E%7Bi%3D!0%2Cn()%2Cwindow.Fenrir.console.log(%22Amazon%20GPT%20USP%22%2Ce)%7D))%2Ci%7C%7Cn()%7D%7D%2Cn%3D%7B%7D%3Bfunction%20i(t)%7Bvar%20o%3Dn%5Bt%5D%3Bif(void%200!%3D%3Do)return%20o.exports%3Bvar%20a%3Dn%5Bt%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bt%5D(a%2Ca.exports%2Ci)%2Ca.exports%7Di.m%3De%2Ci.c%3Dn%2Ci.o%3D(e%2Cn)%3D%3EObject.prototype.hasOwnProperty.call(e%2Cn)%2C(()%3D%3E%7Bi.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Cn%3D%7B%7D%3Bi.I%3D(t%2Co)%3D%3E%7Bo%7C%7C(o%3D%5B%5D)%3Bvar%20a%3Dn%5Bt%5D%3Bif(a%7C%7C(a%3Dn%5Bt%5D%3D%7B%7D)%2C!(o.indexOf(a)%3E%3D0))%7Bif(o.push(a)%2Ce%5Bt%5D)return%20e%5Bt%5D%3Bi.o(i.S%2Ct)%7C%7C(i.S%5Bt%5D%3D%7B%7D)%3Bi.S%5Bt%5D%3Bvar%20r%3D%5B%5D%3Breturn%20r.length%3Fe%5Bt%5D%3DPromise.all(r).then((()%3D%3Ee%5Bt%5D%3D1))%3Ae%5Bt%5D%3D1%7D%7D%7D)()%3Bi(5660)%7D)()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%3E%0A%20%20%20%20%20%20!function(e%2Ct%2Cc%2Cn%2Co%2Ca%2Cm)%7Be._bmb%7C%7C(o%3De._bmb%3Dfunction()%7Bo.x%3Fo.x.apply(o%2Carguments)%3Ao.q.push(arguments)%7D%2Co.q%3D%5B%5D%2Ca%3Dt.createElement(c)%2Ca.async%3Dtrue%2Ca.src%3D%22https%3A%2F%2Fvi.ml314.com%2Fget%3Feid%3D50096%26tk%3D8PHo1fmxaUWZY0JmljRcRGcCzjCy4DKbPX5sP2fZNL483d%26fp%3D%22%2B(e.localStorage%26%26e.localStorage.getItem(n)%7C%7C%22%22)%2Cm%3Dt.getElementsByTagName(c)%5B0%5D%2Cm.parentNode.insertBefore(a%2Cm))%7D(window%2Cdocument%2C%22script%22%2C%22_ccmaid%22)%3B%0A%20%20%20%20%20%20window.googletag%20%3D%20window.googletag%20%7C%7C%20%7Bcmd%3A%20%5B%5D%7D%3B%0A%20%20%20%20%20%20googletag.cmd.push(function()%7B%0A%20%20%20%20%20%20%20%20_bmb('vi'%2C%20function(data)%7B%0A%20%20%20%20%20%20%20%20%20%20if%20(data%20!%3D%20null)%20%7B%0A%20%20%20%20%20%20%20%20%20%20%20%20var%20tmpSegment%20%3D%20%5B%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.industry_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.revenue_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.size_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.functional_area_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.professional_group_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.seniority_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.decision_maker_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.install_data_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.topic_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.interest_group_id%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.segment%2C%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20data.b2b_interest_cluster_id%0A%20%20%20%20%20%20%20%20%20%20%20%20%20%20%5D.filter(Boolean).join('%2C')%3B%0A%20%20%20%20%20%20%20%20%20%20%20%20tmpSegment%20!%3D%20''%20%26%26%20googletag.pubads().setTargeting(%22bmb%22%2CtmpSegment.split('%2C'))%3B%0A%20%20%20%20%20%20%20%20%20%20%7D%0A%20%20%20%20%20%20%20%20%7D)%3B%0A%20%20%20%20%20%20%7D)%3B%0A%20%20%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%3E%0A%20%20%20%20%20%20(function%20(w%2Cd%2Ct)%20%7B%0A%20%20%20%20%20%20%20%20_ml%20%3D%20w._ml%20%7C%7C%20%7B%7D%3B%0A%20%20%20%20%20%20%20%20_ml.eid%20%3D%20'50096'%3B%0A%20%20%20%20%20%20%20%20var%20s%2C%20cd%2C%20tag%3B%20s%20%3D%20d.getElementsByTagName(t)%5B0%5D%3B%20cd%20%3D%20new%20Date()%3B%0A%20%20%20%20%20%20%20%20tag%20%3D%20d.createElement(t)%3B%20tag.async%20%3D%201%3B%0A%20%20%20%20%20%20%20%20tag.src%20%3D%20'https%3A%2F%2Fml314.com%2Ftag.aspx%3F'%20%2B%20cd.getDate()%20%2B%20cd.getMonth()%3B%0A%20%20%20%20%20%20%20%20s.parentNode.insertBefore(tag%2C%20s)%3B%0A%20%20%20%20%20%20%7D)(window%2Cdocument%2C'script')%3B%0A%20%20%20%20%20%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20async%20data-consent%3D%22MARKETING%22%20src%3D%22https%3A%2F%2Fmicro.rubiconproject.com%2Fprebid%2Fdynamic%2F10306.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22MARKETING%22%20defer%20src%3D%22%2F%2Fb-code.liadm.com%2Fb-01h4.min.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22sophi-script%22%3E(()%3D%3E%7Bvar%20e%3D%7B80254%3A()%3D%3E%7Bconst%20e%3Ddocument.querySelector('%5Bdata-component-type%3D%22paywall%22%5D')%2Cn%3D%7Btype%3A%22paywall%22%2Ccontainers%3A%5Be%5D%2CloadMarkup%3A%22paywall%2Ftemplate%22%7D%3Bfunction%20o()%7Breturn%20window.Fenrir.relationships.verticals%3F.data%5B0%5D%3F.id%7C%7C%22no-vertical%22%7Dfunction%20i()%7Breturn%20new%20URL(window.location.href).pathname.slice(1)%7Dwindow.Fenrir.console.log(%7Bnow%3Awindow.Fenrir.getTime()%2Cstep%3A%22sophi%20handlebars%20script%22%7D)%3Bconst%20r%3Ddocument.createElement(%22script%22)%3Br.onload%3Dfunction()%7Bwindow.Fenrir.console.log(%22Sophi%20SDK%20successfully%20loaded%22)%2Cwindow.Fenrir.cmd.push((()%3D%3E%7Bconst%20r%3D%22production%22%3D%3D%3Dwindow.Fenrir%3F.config%3F.fenrirEnv%3F%22www.businessinsider.com%22%3A%22www.sophi.io%22%3Bwindow.sophi.paywall.init(%7Bhostname%3Ar%2CgetSection%3Ao%2CgetContentId%3Ai%7D)%2C%22post%22%3D%3D%3Dwindow.Fenrir.type%26%26e%26%26window.Fenrir.loadComponent(n)%2Cwindow.sophi.paywall.getVisitInformation().then((e%3D%3E%7Bdelete%20e.timeZone%3Bconst%20n%3DObject.assign(%7Bevent%3A%22sophi_visit%22%7D%2Ce)%3Bwindow.dataLayer.push(n)%7D)).catch((()%3D%3E%7Bwindow.Fenrir.console.error(%22Sophi%20SDK%20config%20error%2C%20visit%20information%20not%20available%22)%7D))%7D))%7D%2Cr.onerror%3Dfunction()%7Bvar%20o%2Ci%2Cr%2Ct%2Ca%3Bo%3Dwindow%2Ci%3Ddocument%2Cr%3D%22script%22%2Ct%3D%22https%3A%2F%2Fwww.datadoghq-browser-agent.com%2Fus1%2Fv5%2Fdatadog-logs.js%22%2Co%3Do%5Ba%3D%22DD_LOGS%22%5D%3Do%5Ba%5D%7C%7C%7Bq%3A%5B%5D%2ConReady(e)%7Bo.q.push(e)%7D%7D%2C(a%3Di.createElement(r)).async%3D1%2Ca.src%3Dt%2C%5Bt%5D%3Di.getElementsByTagName(r)%2Ct.parentNode.insertBefore(a%2Ct)%2Cwindow.DD_LOGS.onReady((()%3D%3E%7Bwindow.DD_LOGS.init(%7BapplicationId%3A%224628eb2d-cce0-4291-8177-320688b29bfd%22%2CclientToken%3A%22pub8d2c9eae78a2fc5600c1ee978e7d0172%22%2Cservice%3A%22sophi-sdk%22%2Cenv%3Awindow.Fenrir.env%2CsampleRate%3A100%2CtelemetrySampleRate%3A0%2CsilentMultipleInit%3A!0%2CforwardErrorsToLogs%3A!1%7D)%3Bconst%20e%3D%22Sophi%20SDK%20failed%20to%20load%22%3Bwindow.DD_LOGS.logger.error(e)%2Cwindow.Fenrir.console.error(e)%7D))%2C%22post%22%3D%3D%3Dwindow.Fenrir.type%26%26e%26%26window.Fenrir.cmd.push((()%3D%3E%7Bwindow.Fenrir.loadComponent(n)%7D))%7D%2Cr.async%3D!0%2Cr.src%3D%22https%3A%2F%2Fcdn.sophi.io%2Fsdks%2Fpaywall%2F1%2Fstable%2Fmain.js%22%2Cdocument.getElementsByTagName(%22head%22)%5B0%5D.appendChild(r)%7D%7D%2Cn%3D%7B%7D%3Bfunction%20o(i)%7Bvar%20r%3Dn%5Bi%5D%3Bif(void%200!%3D%3Dr)return%20r.exports%3Bvar%20t%3Dn%5Bi%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bi%5D(t%2Ct.exports%2Co)%2Ct.exports%7Do.m%3De%2Co.c%3Dn%2Co.o%3D(e%2Cn)%3D%3EObject.prototype.hasOwnProperty.call(e%2Cn)%2C(()%3D%3E%7Bo.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Cn%3D%7B%7D%3Bo.I%3D(i%2Cr)%3D%3E%7Br%7C%7C(r%3D%5B%5D)%3Bvar%20t%3Dn%5Bi%5D%3Bif(t%7C%7C(t%3Dn%5Bi%5D%3D%7B%7D)%2C!(r.indexOf(t)%3E%3D0))%7Bif(r.push(t)%2Ce%5Bi%5D)return%20e%5Bi%5D%3Bo.o(o.S%2Ci)%7C%7C(o.S%5Bi%5D%3D%7B%7D)%3Bo.S%5Bi%5D%3Bvar%20a%3D%5B%5D%3Breturn%20a.length%3Fe%5Bi%5D%3DPromise.all(a).then((()%3D%3Ee%5Bi%5D%3D1))%3Ae%5Bi%5D%3D1%7D%7D%7D)()%3Bo(80254)%7D)()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20id%3D%22b2b-access-script%22%3E(()%3D%3E%7B%22use%20strict%22%3Bvar%20e%3D%7B11518%3A()%3D%3E%7Bconst%20e%3D(()%3D%3E%7Bfunction%20e(e)%7Bconst%20t%3Dnew%20RegExp(%60(%3F%3A%5E%7C%3B)(%3F%3A%5B%20s%5D*)(%3F%3A%24%7Be%7D%3D)(%5B%5E%3B%5D%2B)%60).exec(document.cookie)%3Breturn%20t%26%26t%5B1%5D%3Ft%5B1%5D%3Anull%7Dreturn%7Bget%3Ae%2Cset%3Afunction(e%2Ct%2Cn)%7Blet%20o%3D%22%22%3Bif(n)%7Bconst%20e%3Dnew%20Date%3Be.setTime(e.getTime()%2B60*n*60*24*1e3)%2Co%3D%60%3B%20expires%3D%24%7Be.toUTCString()%7D%60%7Ddocument.cookie%3D%60%24%7Be%7D%3D%24%7Bt%7D%24%7Bo%7D%3B%20path%3D%2F%60%7D%2Cclear%3Afunction(t)%7Bif(e(t))%7Bconst%20e%3Dnew%20Date%3Breturn%20document.cookie%3D%60%24%7Bt%7D%3D0%3Bexpires%3D%24%7Be.toUTCString()%7D%3B%20path%3D%2F%3B%60%2C!0%7Dreturn!1%7D%2CforToday%3Afunction(e%2Ct)%7Bconst%20n%3D%60%3B%20expires%3D%24%7Bnew%20Date((new%20Date).setHours(23%2C59%2C59%2C999)).toUTCString()%7D%60%3Bdocument.cookie%3D%60%24%7Be%7D%3D%24%7Bt%7D%24%7Bn%7D%3B%20path%3D%2F%60%7D%7D%7D)()%2Ct%3D%5B%22bide%22%2C%22binl%22%2C%22adobe%22%5D%3Bfunction%20n()%7Bdocument.querySelector(%22.account-icon-component.account-btn-not-logged-in%22).style.setProperty(%22display%22%2C%22none%22%2C%22important%22)%3Bdocument.querySelector(%22.subscribe-btn%3Anot(.subscribe-btn-logged-in)%22).style.setProperty(%22display%22%2C%22none%22%2C%22important%22)%7D(function()%7Bconst%20n%3Dnew%20URL(window.location.href)%2Co%3Dnew%20URLSearchParams(n.search)%2Cr%3Do.get(%22token%22)%2Ci%3Do.get(%22source%22)%3Br%26%26i%26%26t.includes(i)%26%26(o.delete(%22token%22)%2Co.delete(%22source%22)%2Cwindow.history.replaceState(null%2C%22%22%2C%60%24%7Bn.pathname%7D%3F%24%7Bo.toString()%7D%60)%2Ce.set(%22IR%22%2C%22F%22%2C90)%2Ce.set(%22b2b_as%22%2Ci%2C31)%2Ce.set(%22_pc_bipf%22%2C1%2C31))%7D)()%2Ce.get(%22b2b_as%22)%26%26requestAnimationFrame(n)%7D%7D%2Ct%3D%7B%7D%3Bfunction%20n(o)%7Bvar%20r%3Dt%5Bo%5D%3Bif(void%200!%3D%3Dr)return%20r.exports%3Bvar%20i%3Dt%5Bo%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bo%5D(i%2Ci.exports%2Cn)%2Ci.exports%7Dn.m%3De%2Cn.c%3Dt%2Cn.o%3D(e%2Ct)%3D%3EObject.prototype.hasOwnProperty.call(e%2Ct)%2C(()%3D%3E%7Bn.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Ct%3D%7B%7D%3Bn.I%3D(o%2Cr)%3D%3E%7Br%7C%7C(r%3D%5B%5D)%3Bvar%20i%3Dt%5Bo%5D%3Bif(i%7C%7C(i%3Dt%5Bo%5D%3D%7B%7D)%2C!(r.indexOf(i)%3E%3D0))%7Bif(r.push(i)%2Ce%5Bo%5D)return%20e%5Bo%5D%3Bn.o(n.S%2Co)%7C%7C(n.S%5Bo%5D%3D%7B%7D)%3Bn.S%5Bo%5D%3Bvar%20c%3D%5B%5D%3Breturn%20c.length%3Fe%5Bo%5D%3DPromise.all(c).then((()%3D%3Ee%5Bo%5D%3D1))%3Ae%5Bo%5D%3D1%7D%7D%7D)()%3Bn(11518)%7D)()%3B%3C%2Fscript%3E" });</script> <style> /** * Font-family declarations * * 99% of the time you won't need to add your selector here. * Read the Fenrir Wiki about how to work with fonts: * https://github.com/businessinsider/fenrir/wiki/CSS-Fonts */ .headline-regular /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 400; font-style: normal; } .headline-regular-italic /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 400; font-style: italic; } h1, h2, h3, h4, h5, h6, .typography h1 strong:not(.ignore-typography strong), .typography h2 strong:not(.ignore-typography strong), .typography h3 strong:not(.ignore-typography strong), .typography h4 strong:not(.ignore-typography strong), .typography h5 strong:not(.ignore-typography strong), .typography h6 strong:not(.ignore-typography strong), .typography .summary-list, .typography .summary-list li, .typography .summary-list strong, .typography .read-more-links li:first-child, .typography .read-more-links li:first-child strong, .is-enhanced .typography p.drop-cap::first-letter, .headline-semibold /* utility class */, .headline-semibold.ignore-typography /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 900; font-style: normal; } .typography h1 em:not(.ignore-typography em), .typography h2 em:not(.ignore-typography em), .typography h3 em:not(.ignore-typography em), .typography h4 em:not(.ignore-typography em), .typography h5 em:not(.ignore-typography em), .typography h6 em:not(.ignore-typography em), .typography .summary-list li em, .headline-semibold-italic /* utility class */ { font-family: Helvetica, Arial, sans-serif; font-weight: 900; font-style: italic; } .typography:not(.ignore-typography), /* TODO: Use the utility class instead of element selectors */ .typography .ecm .summary-list li, .body-regular /* utility class */ { font-family: Georgia, Times, serif; font-weight: 400; font-style: normal; } /* TODO: Use the utility class instead of element selectors */ .category-tagline p, .typography .blockquote, .typography em:not(.ignore-typography em), .body-italic /* utility class */ { font-family: Georgia, Times, serif; font-weight: 400; font-style: italic; } .typography strong:not(.ignore-typography strong), .body-bold /* utility class */ { font-family: Georgia, Times, serif; font-weight: 600; font-style: normal; } .typography em strong:not(h2 *):not(h3 *):not(h4 *):not(h5 *):not(h6 *):not(.ignore-typography strong), .typography strong:not(h2 *):not(h3 *):not(h4 *):not(h5 *):not(h6 *):not(.ignore-typography strong) em, .body-bold-italic /* utility class */ { font-family: Georgia, Times, serif; font-weight: 600; font-style: italic; } </style> <link rel="stylesheet" href="/styles/fonts-async.87dc6399b035527336ce.css" media="print" onload="this.media='all'; this.onload=null;" > <script> window.initialDataLayer = {"pageType":"post","postID":"66fbb561e5b54083003d95c2","postURI":"more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","publisher":"","editor":"Alexandra Karplus","vertical":"education","author":"Erin Liam","category":"College|Europe|College Tuition|college debt|University","dateModified":"2024-10-25","datePublished":"2024-10-25","wordCount":1530,"abTest":"|capiv2-100-0:c|sll:c|","secondaryVerticals":"","theme":"default"}; </script> <script id="gtm-config-script">(()=>{var e={20560:(e,a,t)=>{"use strict";var r=t(667),n=t.n(r);(()=>{function e(){window.dataLayer=window.dataLayer||[];for(var e=arguments.length,a=new Array(e),t=0;t<e;t++)a[t]=arguments[t];window.dataLayer.push({...a})}const a={analytics_storage:"TCF"===window.Fenrir.privacyApi?"denied":"granted",ad_storage:"TCF"===window.Fenrir.privacyApi?"denied":"granted",ads_data_redaction:"TCF"===window.Fenrir.privacyApi};let t=window.localStorage.getItem("fenrir-ga-consent");try{if(t=JSON.parse(t),!["granted","denied"].includes(t.analytics_storage)||!["granted","denied"].includes(t.ad_storage)||![!0,!1].includes(t.ads_data_redaction))throw new Error("invalid fenrir-ga-consent value");a.analytics_storage=t.analytics_storage,a.ad_storage=t.ad_storage,a.ads_data_redaction=t.ads_data_redaction}catch(e){}window.localStorage.setItem("fenrir-ga-consent",JSON.stringify(a));const{analytics_storage:r,ad_storage:i,ads_data_redaction:s}=a;e("consent","default",{analytics_storage:r,ad_storage:i,wait_for_update:500}),e("set","ads_data_redaction",s);const o=window.initialDataLayer||{};localStorage.getItem("email_hashes")&&(o.userPhase="user"),"bi"===window.Fenrir.config.identifier&&(o.userAgent=window.navigator.userAgent,o.timeZone=Intl.DateTimeFormat().resolvedOptions().timeZone);const d=localStorage.getItem("profile");if(d){o.userPhase="account";const{subscriptionId:e,insiderId:a,hasPrime:t}=(e=>{const a=JSON.parse(e),{"https://insider/subscriptionId":t,"https://insider/memberId":r,"https://insider/hasPrime":n}=a;return{subscriptionId:t,insiderId:r,hasPrime:n}})(d);e&&(o.subscriptionId=e),1===t&&(o.userPhase="subscriber"),a&&(o.insiderId=a)}const c=localStorage.getItem("universal_id");if(c)o.universalId=c;else{const e=n()();localStorage.setItem("universal_id",e),o.universalId=e}window.dataLayer=window.dataLayer||[],window.dataLayer.push(o),window.dataLayer.push({"gtm.start":(new Date).getTime(),event:"gtm.js"})})()},667:e=>{e.exports=()=>{try{return crypto.randomUUID()}catch(e){return"xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx".replace(/[xy]/g,(e=>{const a=16*Math.random()|0;return("x"===e?a:3&a|8).toString(16)}))}}}},a={};function t(r){var n=a[r];if(void 0!==n)return n.exports;var i=a[r]={exports:{}};return e[r](i,i.exports,t),i.exports}t.m=e,t.c=a,t.n=e=>{var a=e&&e.__esModule?()=>e.default:()=>e;return t.d(a,{a}),a},t.d=(e,a)=>{for(var r in a)t.o(a,r)&&!t.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:a[r]})},t.o=(e,a)=>Object.prototype.hasOwnProperty.call(e,a),(()=>{t.S={};var e={},a={};t.I=(r,n)=>{n||(n=[]);var i=a[r];if(i||(i=a[r]={}),!(n.indexOf(i)>=0)){if(n.push(i),e[r])return e[r];t.o(t.S,r)||(t.S[r]={});t.S[r];var s=[];return s.length?e[r]=Promise.all(s).then((()=>e[r]=1)):e[r]=1}}})();t(20560)})();</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"NewsArticle","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10"},"editor":{"@type":"Person","name":"Alexandra Karplus"},"author":{"@type":"Person","name":"Erin Liam","sameAs":"https://www.businessinsider.com/author/erin-liam"},"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"These American students avoided college debt by studying in Europe","alternativeHeadline":"College in the US was too expensive, so these students opted for Europe","image":{"@type":"ImageObject","url":"https://i.insider.com/670739383f2165d716dfba02?width=1200&format=jpeg","width":1200,"height":900,"caption":"Caption"},"name":"College in the US was too expensive, so these students opted for Europe","datePublished":"2024-10-25T02:45:27Z","dateModified":"2024-10-25T02:45:27Z","description":"Besides the draw of cheaper tuition, some American students choose to study abroad for the chance to travel or to pursue a specific program.","keywords":"College, Europe","articleBody":"When it was time for Liza Jean Miezejeski to start thinking about college, she couldn't stop worrying about student debt.\"Every time I looked, there were schools that seemed interesting, but none that was worth going into debt for,\" she told Business Insider.One day, while in the car with her mom, she heard on the radio that Americans were moving to Germany for free education. It sounded like a dream to her: a chance to live abroad and earn an affordable college degree.Miezejeski, then a sophomore at a Connecticut high school, started to look into it seriously. She ended up attending a university in Prague and then moved to Brussels for graduate school. She graduated from both schools with no debt.Miezejeski is not alone. Like her, more American students are looking abroad to complete their college education.While study abroad programs — which allow students to spend a semester or a year overseas — are nothing new, completing a full degree outside the US has been gaining popularity.A representative for the Institute of International Education, a nonprofit exchange organization based in New York, told BI the number of US-based students who went to college abroad has increased in the last year. \"Most US colleges and universities anticipate increased or stable student participation in study abroad in the forthcoming 2024/25 academic year,\" the representative said. They said this includes students in non-exchange programs and those pursuing degrees overseas.James Edge, the owner of Beyond the States, a platform that helps students apply to bachelor's and master's programs abroad, said he's seen a 5 to 10% increase in students pursuing degrees abroad each year since he joined the company three years ago.Greg Kaplan, a private college admissions counselor and the author of \"Earning Admission: Real Strategies for Getting Into Highly Selective Colleges,\" said interest has increased tenfold over the past six years. \"Six years ago, if we had one student applying abroad, it was interesting,\" he said. Now, out of the 350 high school students his company works with yearly, 10 to 20% apply to college abroad, he said.There are several reasons for this, from an interest in specific programs to a desire to explore the world. But above all, experts and students alike have echoed the same sentiment: college in America is too expensive.According to the National Center for Education Statistics, students in the US spent an average of $28,297 a year — or around $113,188 for a four-year program — on tuition and required fees at public out-of-state schools in the academic year of 2022 to 2023.These fees have risen over the years. The U.S. News & World Report found that among the 436 colleges in its annual rankings, out-of-state tuition fees at public universities have risen by around 32% over two decades after adjustments for inflation. The same report showed that in-state tuition fees at public universities have grown by 45%.And private colleges in the US can cost more than twice that much. Tuition this year at Pepperdine University in Malibu, which is ranked as one of the most expensive schools in the country, is $65,990.\"That sticker shock is very potent for families,\" said Robert Harry, an associate director of college counseling at Kent School, a boarding school in Connecticut.Harry estimates that in his 15 years of experience, the number of kids who went abroad for college increased from around 1% of any given high school class to as much as 5 or 10% of a class.College in Europe has become an attractive alternative. For one, tuition is generally cheaper. Beyond the States lists the average tuition fee for European bachelor's programs as $7,390 a year for international students. The average is based on calculations from its database of 12,600 English-taught bachelor's programs in Europe. In some countries, like Germany, public college education is free, even for international students.Many European university degrees often take three years to complete, so it's also one less year of college tuition to pay for. \"You get an extra year of your life back,\" Edge said.American students often turn to English-speaking destinations like the UK and Ireland for their education abroad. However, college advisors said other European and Asian countries, like the Netherlands and Japan, that offer English-language programs are also gaining popularity.In 2019, Jacob Zeidberg applied to almost 30 schools in the US. He was waitlisted or rejected from all of them.A 2024 report from Common App, a college application platform, showed that application volume has grown by 171% since the 2014-15 academic year. The number of applications per applicant has risen by 46% in the same timeframe, now totaling 6.65 applications per person.\"When the Common App became ubiquitous, it started to get really hard to get into American institutions just because it's so much easier to apply to so many more of them,\" Harry said.It's pushed some parents and students to look elsewhere.For many, Europe is the answer. \"Even if you haven't done all the extracurriculars, or if you haven't taken the SATs, it is much easier to get accepted to school in Europe because the way they do admissions is slightly different,\" Edge, owner of Beyond the States, said.For example, he said they may focus more on the student's academic strengths than on standardized tests.Zeidberg eventually applied to Toulouse Business School in France. He said the application process was smooth and efficient, and he was accepted two weeks later.\"It was like night and day,\" his mom, Jennifer Zeidberg, told BI.In many US colleges, students declare a major after their freshman year. Many colleges outside the US are more specialized.That system appeals to many people who are sure of their interests. \"If you are definitely a math person, knowing that you can do three or four years of math and never have to write another English essay — it's intriguing for people,\" Harry said.Scarlett Kiaras-Attari, who grew up in Kentucky and moved to Scotland in 2018 for undergrad, was one of them. \"I was so interested in medieval history and Classics,\" she told BI. \"I just knew that there was no other place that I had applied to that was really going to capture that the way that I thought Edinburgh could.\"Some students also seek niche fields that can only be found abroad. Kaplan, for example, had a student who turned down programs in the US because he wanted more exposure to Formula 1 racing, which is primarily rooted in Europe. He ended up studying motorsports engineering at Oxford.For many, being able to travel easily is also a huge plus.\"You can just pop on a train and go right next door to Portugal or France, for example. There's just so much more opportunities for cultural engagement,\" said Edge.Although tuition fees are usually lower, college advisors said that students going abroad have to consider other costs, such as visas, daily expenditures, rent, and flights back home.They should also consider the emotional impact of moving abroad.Amanda Mrozek, who withdrew from Central Michigan University in her third year and moved to Germany to get her degree in 2021, struggled with cultural differences.For example, her college in Germany lacked school spirit and a sports culture, she said. Most students also lived off-campus and went straight home after class instead of hanging out on campus.\"It's just not fun,\" she previously told BI. \"I understand people will say, 'You're supposed to be learning.' But at least for me, I can learn better when I'm enjoying something about it.\"Harry often tells students they won't have a typical American college experience abroad and that they will often be in the minority of kids who go abroad.\"Recognize that your experience is going to be a bit different, but it doesn't mean it's any less rich or rewarding,\" he said.In the years since graduating from high school, Miezejeski only knows of three other high school classmates who left the US: one went to Canada, and two others went to the Netherlands and Italy to study. But most of them stayed in Connecticut or studied in nearby cities like Boston and New York. Where she's from, it's not common to go abroad, but it's a slow trend, she said.Since completing her degree in 2021, she hasn't looked back.She decided to stay in Europe and pursue a master's degree in Brussels. Her master's program was one year long and cost around $4,700 — almost a fifth of what she would have paid if she had pursued a master's at the University of Connecticut, a college in her state, based on the university's website.More importantly, Miezejeski gained experiences money can't buy.\"I have friends now all over the world,\" she said. \"I've learned about all their cultures, how they do things and their languages. I've met incredible people and learned so much. The learning does not stop.\"","articleSection":"Education","isAccessibleForFree":false,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":false,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/","name":"Business Insider"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/education","name":"Education"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10","name":"College in the US was too expensive, so these students opted for Europe"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20data-consent%3D%22ANALYTICS%22%20type%3D%22text%2Fjavascript%22%3E!function()%7B%22use%20strict%22%3Bfunction%20e(e)%7Bvar%20t%3D!(arguments.length%3E1%26%26void%200!%3D%3Darguments%5B1%5D)%7C%7Carguments%5B1%5D%2Cc%3Ddocument.createElement(%22script%22)%3Bc.src%3De%2Ct%3Fc.type%3D%22module%22%3A(c.async%3D!0%2Cc.type%3D%22text%2Fjavascript%22%2Cc.setAttribute(%22nomodule%22%2C%22%22))%3Bvar%20n%3Ddocument.getElementsByTagName(%22script%22)%5B0%5D%3Bn.parentNode.insertBefore(c%2Cn)%7D!function(t%2Cc)%7B!function(t%2Cc%2Cn)%7Bvar%20a%2Co%2Cr%3Bn.accountId%3Dc%2Cnull!%3D%3D(a%3Dt.marfeel)%26%26void%200!%3D%3Da%7C%7C(t.marfeel%3D%7B%7D)%2Cnull!%3D%3D(o%3D(r%3Dt.marfeel).cmd)%26%26void%200!%3D%3Do%7C%7C(r.cmd%3D%5B%5D)%2Ct.marfeel.config%3Dn%3Bvar%20i%3D%22https%3A%2F%2Fsdk.mrf.io%2Fstatics%22%3Be(%22%22.concat(i%2C%22%2Fmarfeel-sdk.js%3Fid%3D%22).concat(c)%2C!0)%2Ce(%22%22.concat(i%2C%22%2Fmarfeel-sdk.es5.js%3Fid%3D%22).concat(c)%2C!1)%7D(t%2Cc%2Carguments.length%3E2%26%26void%200!%3D%3Darguments%5B2%5D%3Farguments%5B2%5D%3A%7B%7D)%7D(window%2C3378%2C%7B%7D%20%2F*%20Config%20*%2F)%7D()%3B%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: "%3Cscript%20id%3D%22meta-pixel-script%22%3E(()%3D%3E%7Bvar%20e%3D%7B69531%3A()%3D%3E%7Bvar%20e%2Cr%2Cn%2Ct%2Co%2Ci%3Bfunction%20s()%7Bwindow.Fenrir%3F.cm%3F.usPrivacyApplies%26%26%22ACCEPT%22%3D%3D%3Dwindow.Fenrir%3F.cm%3F.userConsent.OPT_OUT%3Ffbq(%22dataProcessingOptions%22%2C%5B%22LDU%22%5D%2C0%2C0)%3Afbq(%22dataProcessingOptions%22%2C%5B%5D)%2Cfbq(%22init%22%2C%221988166924554892%22)%2Cfbq(%22track%22%2C%22PageView%22)%7De%3Dwindow%2Cr%3Ddocument%2Cn%3D%22script%22%2Ce.fbq%7C%7C(t%3De.fbq%3Dfunction()%7Bt.callMethod%3Ft.callMethod.apply(t%2Carguments)%3At.queue.push(arguments)%7D%2Ce._fbq%7C%7C(e._fbq%3Dt)%2Ct.push%3Dt%2Ct.loaded%3D!0%2Ct.version%3D%222.0%22%2Ct.queue%3D%5B%5D%2C(o%3Dr.createElement(n)).async%3D!0%2Co.src%3D%22https%3A%2F%2Fconnect.facebook.net%2Fen_US%2Ffbevents.js%22%2C(i%3Dr.getElementsByTagName(n)%5B0%5D).parentNode.insertBefore(o%2Ci))%2Cwindow.Fenrir%3F.cm%3F.cmStarted%26%26window.Fenrir%3F.cm%3F.userConsent%3Fs()%3AsetTimeout(s%2C1e3)%7D%7D%2Cr%3D%7B%7D%3Bfunction%20n(t)%7Bvar%20o%3Dr%5Bt%5D%3Bif(void%200!%3D%3Do)return%20o.exports%3Bvar%20i%3Dr%5Bt%5D%3D%7Bexports%3A%7B%7D%7D%3Breturn%20e%5Bt%5D(i%2Ci.exports%2Cn)%2Ci.exports%7Dn.m%3De%2Cn.c%3Dr%2Cn.o%3D(e%2Cr)%3D%3EObject.prototype.hasOwnProperty.call(e%2Cr)%2C(()%3D%3E%7Bn.S%3D%7B%7D%3Bvar%20e%3D%7B%7D%2Cr%3D%7B%7D%3Bn.I%3D(t%2Co)%3D%3E%7Bo%7C%7C(o%3D%5B%5D)%3Bvar%20i%3Dr%5Bt%5D%3Bif(i%7C%7C(i%3Dr%5Bt%5D%3D%7B%7D)%2C!(o.indexOf(i)%3E%3D0))%7Bif(o.push(i)%2Ce%5Bt%5D)return%20e%5Bt%5D%3Bn.o(n.S%2Ct)%7C%7C(n.S%5Bt%5D%3D%7B%7D)%3Bn.S%5Bt%5D%3Bvar%20s%3D%5B%5D%3Breturn%20s.length%3Fe%5Bt%5D%3DPromise.all(s).then((()%3D%3Ee%5Bt%5D%3D1))%3Ae%5Bt%5D%3D1%7D%7D%7D)()%3Bn(69531)%7D)()%3B%3C%2Fscript%3E" });</script> <link rel="stylesheet" href="/styles/post-page.b50ca0d81b6d514702c0.css" media="all" > <style id="styles-loaded" data-loaded="dad-related-posts,back-to-home,post-overline,legacy-share,content-lock,ad,breaking-news,legacy-tout-layout,masthead,masthead-ad,markets-banner,marquee,hamburger-menu,ai-search-box,accordion,account-icon,social-media-follow,overlay,footer,jumper">.dad-related-posts-component .dad-related-posts-container .js-loader{margin:10px auto 0}.dad-related-posts-component .dad-related-posts-container .js-loader span.spinner{height:40px;width:40px}.dad-related-posts-component .related-posts-tout a{box-shadow:none;color:#0a0a0a;text-decoration:none;z-index:2}.dad-related-posts-component .related-posts-tout a:hover{cursor:pointer}.dad-related-posts-component .related-posts-container{display:flex;flex-direction:row;width:732px}.dad-related-posts-component .related-posts-container .related-posts-tout{width:220px;z-index:unset}.dad-related-posts-component .related-posts-container .related-posts-tout .related-posts-tout-title{color:#0a0a0a;margin:0}.dad-related-posts-component .tout-title-link{display:block}.dad-related-posts-component.at-inline{background-color:#faf7f5;margin:0 -20px 32px;min-height:233px;padding:16px 24px}.dad-related-posts-component.at-inline .content-recommendations-title{margin:0 0 8px}.dad-related-posts-component.at-inline .related-posts-container{--row-gap:32px;flex-direction:column;margin:0;row-gap:var(--row-gap);width:100%}.dad-related-posts-component.at-inline .related-posts-image{float:right;margin:0 0 8px 16px;min-width:100px}.dad-related-posts-component.at-inline .in-content-recirc-tout{--col-gap:16px;column-gap:var(--col-gap);display:inline;flex-direction:row-reverse;line-height:1.18125rem;width:100%}.dad-related-posts-component.at-inline .in-content-recirc-tout:first-of-type{position:relative}.dad-related-posts-component.at-inline .in-content-recirc-tout:first-of-type:after{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:bottom;background-repeat:repeat-x;background-size:4px 2px;border:none;bottom:calc(var(--row-gap)/2*-1 + -1px);content:"";display:block;height:1px;position:absolute;width:100%}.dad-related-posts-component.at-inline .in-content-recirc-tout:last-of-type{margin-bottom:0}.related-posts.at-post-bottom.standard{background-color:#faf7f5;display:flex;flex-direction:column;margin:0 -24px;min-height:275px;padding:16px 24px}.related-posts.at-post-bottom.standard .content-recommendations-title{margin-bottom:8px}.related-posts.at-post-bottom.standard .related-posts-container{--row-gap:32px;flex-direction:column;row-gap:var(--row-gap);width:unset}.related-posts.at-post-bottom.standard .related-posts-tout{--row-gap:32px;column-gap:16px;display:flex;flex-direction:row-reverse;justify-content:space-between;line-height:1.18125rem;width:100%}.related-posts.at-post-bottom.standard .related-posts-tout:first-of-type{position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:first-of-type:after{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:bottom;background-repeat:repeat-x;background-size:4px 2px;border:none;bottom:calc(var(--row-gap)/2*-1 + -1px);content:"";display:block;height:1px;position:absolute;width:100%}.related-posts.at-post-bottom.standard .related-posts-tout:last-of-type{display:none}.related-posts.at-post-bottom.standard .related-posts-image{float:right;height:75px;min-width:104px;overflow:hidden}.is-enhanced .dad-related-posts-component.at-post-bottom{min-height:233px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-container{column-gap:16px;padding-bottom:8px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout-tag{letter-spacing:.02em;margin:4px 0}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout-tag a{color:#002aff;font-size:.75rem;text-transform:uppercase}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout-title{color:#0a0a0a;font-size:1rem}.is-enhanced .dad-related-posts-component.at-post-bottom .content-recommendations-title{font-size:1.0625rem}.is-enhanced .dad-related-posts-component.at-post-bottom .content-recommendations-title-container{border-top:4px solid #cecece;margin:0 20px;padding:8px 0}@media (min-width:0)and (max-width:599px){.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(2){position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(2):after{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:bottom;background-repeat:repeat-x;background-size:4px 2px;border:none;bottom:calc(var(--row-gap)/2*-1 + -1px);content:"";display:block;height:1px;position:absolute;width:100%}.is-enhanced .dad-related-posts-container{overflow:scroll;scrollbar-width:none}.is-enhanced .dad-related-posts-container::-webkit-scrollbar{display:none}.is-enhanced .dad-related-posts-component.at-post-bottom{margin-left:-20px;margin-right:-20px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout:first-of-type{margin-left:20px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout:last-of-type{margin-right:20px}}@media (min-width:600px){.dad-related-posts-component .related-posts-container{gap:24px;width:100%}.dad-related-posts-component .related-posts-container .related-posts-tout{width:100%}.dad-related-posts-component.at-inline{margin:0 -24px}.dad-related-posts-component.at-inline .related-posts-tout-title{background-image:linear-gradient(#d8deff,#d8deff);background-position:0 85%;background-repeat:repeat-x;background-size:100% 0;display:inline;position:relative;text-decoration:none;transition:background-size .6s ease}.dad-related-posts-component.at-inline .related-posts-image:hover~.tout-text .related-posts-tout-title,.dad-related-posts-component.at-inline .related-posts-image:hover~.tout-title .related-posts-tout-title,.dad-related-posts-component.at-inline .related-posts-tout-title:hover{background-size:100% 6px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout-title{margin:0 0 24px}.is-enhanced .dad-related-posts-component.at-post-bottom .content-recommendations-title-container{margin:0}}@media (min-width:600px)and (max-width:1007px){.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(2){position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(2):after{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:bottom;background-repeat:repeat-x;background-size:4px 2px;border:none;bottom:calc(var(--row-gap)/2*-1 + -1px);content:"";display:block;height:1px;position:absolute;width:100%}}@media (min-width:1008px){.dad-related-posts-component.at-inline{min-height:155px}.dad-related-posts-component.at-inline .related-posts-container{flex-direction:row;gap:var(--row-gap)}.dad-related-posts-component.at-inline .in-content-recirc-tout:first-of-type{margin-bottom:0}.dad-related-posts-component.at-inline .in-content-recirc-tout:first-of-type:after{background-image:none;background-position:unset;background-repeat:unset;background-size:unset;border:none}.dad-related-posts-component.at-inline .in-content-recirc-tout:last-of-type{position:relative}.dad-related-posts-component.at-inline .in-content-recirc-tout:last-of-type:before{background-image:linear-gradient(180deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:0;background-repeat:repeat-y;background-size:2px 4px;border:none;content:"";display:block;height:100%;left:-17px;position:absolute;top:50%;transform:translate3d(0,-50%,0);width:1px}.related-posts.at-post-bottom.standard .related-posts-tout-title{background-image:linear-gradient(#d8deff,#d8deff);background-position:0 85%;background-repeat:repeat-x;background-size:100% 0;display:inline;position:relative;text-decoration:none;transition:background-size .6s ease}.related-posts.at-post-bottom.standard .related-posts-tout-title:hover{background-size:100% 6px}.related-posts.at-post-bottom.standard .related-posts-container{display:flex;flex-direction:row;flex-wrap:wrap;gap:2rem;position:relative}.related-posts.at-post-bottom.standard .related-posts-tout{box-sizing:border-box;flex:1 1 calc(50% - 2rem)}.related-posts.at-post-bottom.standard .related-posts-tout:first-of-type{position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:first-of-type:after{background-image:linear-gradient(180deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:100%;background-repeat:repeat-y;background-size:2px 4px;border:none;content:"";display:block;height:100%;position:absolute;right:-17px;top:50%;transform:translate3d(0,-50%,0);width:1px}.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(3){position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:nth-of-type(3):before{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:top;background-repeat:repeat-x;background-size:4px 2px;border:none;content:"";display:block;height:1px;position:absolute;top:calc(-1rem + -1px);width:calc(200% + var(--row-gap))}.related-posts.at-post-bottom.standard .related-posts-tout:last-of-type{display:inline;position:relative}.related-posts.at-post-bottom.standard .related-posts-tout:last-of-type:before{background-image:linear-gradient(180deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:0;background-repeat:repeat-y;background-size:2px 4px;border:none;content:"";display:block;height:100%;left:-17px;position:absolute;top:50%;transform:translate3d(0,-50%,0);width:1px}.related-posts.at-post-bottom.standard .related-posts-tout{display:inline}.related-posts.at-post-bottom.standard .related-posts-image{margin:0 0 8px 16px}.is-enhanced .dad-related-posts-component.at-post-bottom{min-height:190px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-container{column-gap:24px}.is-enhanced .dad-related-posts-component.at-post-bottom .related-posts-tout-title:hover{text-decoration:underline}.is-enhanced .dad-related-posts-component.at-post-bottom .content-recommendations-title{font-size:1.25rem}.is-enhanced .dad-related-posts-component.at-post-bottom .content-recommendations-title-container{padding-bottom:12px}}.back-to-home-container{color:#fff;height:71px;left:50%;line-height:71px;position:fixed;top:0;transform:translate3d(-50%,-100%,0);transition:transform 325ms ease-out;width:100%;z-index:5888888}.show-back-to-home .back-to-home-container,div.back-to-home{transform:translate3d(-50%,0,0)}div.back-to-home{align-items:center;backdrop-filter:blur(2px);background:#fff;border-bottom:1px solid #cecece;color:#fff;display:flex;font-size:12px;height:59px;justify-content:space-between;left:50%;line-height:1.4;opacity:1;padding:0 20px;position:absolute;top:0;transition:transform .3s ease-out,opacity .3s ease-out;width:100%;z-index:5999999}.back-to-home-link,.back-to-home-subscribe-link{align-items:center;display:inline-flex;height:44px;justify-content:flex-start}.back-to-home-link .chevron-left-icon{height:11px;margin-right:8px;width:12px;fill:#002aff;stroke-width:2}.back-to-home-link .chevron-left-icon path{stroke:#002aff}.back-to-home-link .back-to-home-text{color:#0a0a0a;letter-spacing:.48px;text-transform:uppercase}.back-to-home-subscribe-link .brand-arrow-icon{color:#002aff;font-size:12px;margin-right:4px}@media (min-width:600px){.back-to-home-container{display:none!important}}@media (max-width:600px){.back-to-home-container{display:block!important}}.post-overline{letter-spacing:.4px;margin-bottom:8px}.post-overline .breadcrumb{color:#31313b}.post-overline .breadcrumb:hover{color:#505057}.post-overline .breadcrumbs-bar+.breadcrumbs-chevron{display:none}.post-overline .breadcrumbs-bar:after{background-color:#cecece;content:"";display:inline-block;height:12px;margin:-2px 8px 0;vertical-align:middle;width:1px}.post-overline .breadcrumb-hide-m,.post-overline .breadcrumb-hide-m+.breadcrumbs-chevron,.post-overline .breadcrumb-hide-s,.post-overline .breadcrumb-hide-s+.breadcrumbs-chevron{display:none}.post-overline .breadcrumbs-chevron{margin:-1px 2px 1px}.post-overline .post-overline-stamp{border-radius:1px;color:#fff;display:inline-block;padding:4px 6px;vertical-align:middle}.post-overline .post-overline-stamp.as-exclusive{background-color:#002aff}.post-overline .post-overline-stamp.as-alert{background-color:#e51716}.post-overline .post-overline-stamp.as-live{margin-right:8px}.post-overline .post-overline-updated{color:#0a0a0a;letter-spacing:0;text-transform:none;vertical-align:middle}.post-overline.is-legacy .breadcrumbs-wrapper .breadcrumbs-chevron{margin:-2px 2px -1px}.post-overline.post-overline-on-dark .breadcrumb,.post-overline.post-overline-on-dark .breadcrumbs-chevron{color:#d1d1dc}.post-meta .post-overline.is-legacy{margin-bottom:0}@media (min-width:0)and (max-width:599px){.post-overline .breadcrumbs-chevron.align-left{margin:0 6px 0 0}}@media (min-width:600px){.post-overline .breadcrumb-hide-s{display:inline}.post-overline .breadcrumb-hide-s+.breadcrumbs-chevron{display:inline-block}}@media (min-width:1008px){.post-overline .breadcrumb-hide-m{display:inline}.post-overline .breadcrumb-hide-m+.breadcrumbs-chevron{display:inline-block}}.sharebar{align-self:start;display:flex}.is-enhanced .sharebar{align-self:center;margin-top:8px}.share-button-dropdown-wrapper{position:relative}.share-button .svg-icon{fill:#0a0a0a}.read-in-app-button,.save-button,.share-button{align-items:center;background:none;background-color:#fff;border:2px solid #fff;color:#0a0a0a;cursor:pointer;display:flex;font-size:.6875rem;line-height:135%;margin:0;outline:none;padding:6px 8px}.read-in-app-button:hover,.save-button:hover,.share-button:hover{background-color:#faf7f5;border-radius:16px;color:#0a0a0a}.read-in-app-button:focus,.save-button:focus,.share-button:focus{border:2px solid #002aff;border-radius:16px}.read-in-app-button:active,.read-in-app-button:focus:not(:focus-visible),.read-in-app-button:visited,.save-button:active,.save-button:focus:not(:focus-visible),.save-button:visited,.share-button:active,.share-button:focus:not(:focus-visible),.share-button:visited{border:2px solid #fff}.vertical-divider{background-color:#dde0e8;height:17.55px;margin:6px 8px;width:1px}.button-text{margin-left:8px}.save-button.share-icon-active .svg-icon.bookmark-icon{fill:#0a0a0a}.share-button.share-icon-active{background-color:#fff;border:2px solid #fff}.share-dropdown-menu.dropdown-menu{right:unset;top:45px}.share-dropdown-menu .dropdown-text{font-size:.625rem}@media (min-width:0)and (max-width:599px){.vertical-divider.with-audio{display:none}}@media (min-width:600px){.share-dropdown-menu.dropdown-menu{right:10px;top:40px}}@media (min-width:960px){.read-in-app-button,.save-button,.share-button{font-size:.75rem}}.hidden,body.is-content-locked .category-tagline,body.is-content-locked .inline-newsletter-signup,body.is-content-locked footer{display:none}[data-bi-ad]{min-height:1px}.ad-holder,.river-item.native-item{min-height:628px}.ad-holder .ad-callout-wrapper,.river-item.native-item .ad-callout-wrapper{position:sticky;top:calc(var(--sticky-top) + 8px)}.ad-callout-wrapper{align-items:center;display:flex;flex-direction:column;row-gap:4px}.ad-label:not(.hide-ad-label):before{background:#f0eae2;border-radius:1px;color:#31313b;content:"AD";display:inline-block;font-size:.5rem;font-weight:500;letter-spacing:.32px;line-height:1.2;padding:4px 6px;position:relative;text-align:center;text-shadow:none;text-transform:uppercase;top:auto}.ad.sticky-ad{position:-webkit-sticky;position:sticky;top:var(--sticky-top)}.sticky-rail-ad-container{height:1500px}.sticky-rail-ad-container .ad-callout-wrapper{padding-top:12px;position:sticky;top:var(--sticky-top)}.in-post-sticky .ad-callout-wrapper{padding-top:0;position:sticky;top:calc(var(--sticky-top) + 8px)}.in-post-sticky .ad-callout-wrapper .ad-label:before{position:static;top:unset}.sticky-rail-ad-container{height:calc(100vh - 200px);margin-bottom:60px;min-height:1500px;width:300px}.sticky-rail-ad-container.container-video-ad{align-items:flex-start;display:flex;flex-direction:column;height:unset;justify-content:center;min-height:unset}.sticky-rail-ad-container .ad-callout-wrapper,.sticky-rail-ad-container.container-video-ad,.sticky-rail-ad-container>[data-bi-ad]{min-height:250px;padding-bottom:0;position:sticky;top:calc(var(--sticky-top) + 8px);transition:top 325ms ease}.sticky-rail-ad-container.container-video-ad{background:linear-gradient(180deg,#fff calc(100% - 30px),transparent calc(100% - 28px));min-height:169px;padding-bottom:16px;padding-top:16px;top:var(--sticky-top);z-index:1}.sticky-rail-ad-container.container-video-ad .video-ad{align-items:center;display:flex;height:169px;justify-content:center;margin:8px 0 20px;min-height:unset;position:unset;top:unset;width:300px}.sticky-rail-ad-container.container-video-ad .video-ad.with-placeholder>div{background:#edeef1;height:169px;width:300px}[data-component-type=sticky-rail].has-video-ad .post-right-rail-mi .sticky-rail-ad-container.container-0 .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].has-video-ad .post-right-rail-mi .sticky-rail-ad-container.container-0>[data-bi-ad]:not(.video-ad),[data-component-type=sticky-rail].has-video-ad .sticky-rail-ad-container .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].has-video-ad .sticky-rail-ad-container>[data-bi-ad]:not(.video-ad){padding-top:12px;top:calc(var(--sticky-top) + 249px)}[data-component-type=sticky-rail].has-video-ad .sticky-rail-ad-container.container-0 .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].has-video-ad .sticky-rail-ad-container.container-0>[data-bi-ad]:not(.video-ad){padding-top:12px;top:var(--sticky-top)}@media (min-width:1008px){[data-bi-ad][data-region=Waterfall]{min-height:90px}.ad-holder,.river-item.native-item{min-height:278px}}@media (min-width:1008px)and (max-width:1307px){[data-component-type=sticky-rail].rr-has-sticky-toc.has-video-ad .post-right-rail-mi .sticky-rail-ad-container.container-0 .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].rr-has-sticky-toc.has-video-ad .post-right-rail-mi .sticky-rail-ad-container.container-0 [data-bi-ad]:not(.video-ad),[data-component-type=sticky-rail].rr-has-sticky-toc.has-video-ad .sticky-rail-ad-container .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].rr-has-sticky-toc.has-video-ad .sticky-rail-ad-container>[data-bi-ad]:not(.video-ad){top:calc(var(--sticky-top) + 288px)}[data-component-type=sticky-rail].rr-has-sticky-toc .sticky-rail-ad-container.container-0>[data-bi-ad]:not(.video-ad),[data-component-type=sticky-rail].rr-has-sticky-toc .sticky-rail-ad-container>[data-bi-ad]:not(.video-ad){top:calc(var(--sticky-top) + 47px)}[data-component-type=sticky-rail].rr-has-sticky-toc .sticky-rail-ad-container .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)),[data-component-type=sticky-rail].rr-has-sticky-toc .sticky-rail-ad-container.container-0 .ad-callout-wrapper:has([data-bi-ad]:not(.video-ad)){top:calc(var(--sticky-top) + 47px)}[data-component-type=sticky-rail].rr-has-sticky-toc .sticky-rail-ad-container.container-video-ad{top:calc(var(--sticky-top) + 34px)}}.breaking-news{display:none}.breaking-news.active{display:block}.breaking-news .close-icon-path{stroke:#0a0a0a}.breaking-news .banner{background-color:#fff;border-bottom:1px solid #dde0e8;left:0;position:fixed;top:0;transform:translate3d(0,-100%,0);transition:transform .3s ease,opacity .25s ease,height .25s ease;width:100%;z-index:6000000}.breaking-news .banner .container{display:flex;height:71px;margin:0;padding-bottom:12px;padding-top:12px}.breaking-news .banner .legacy-tout{width:100%}.breaking-news .banner .tout-title{height:20px;overflow:hidden;position:relative;white-space:nowrap;width:calc(100% - 5px)}.breaking-news .banner .tout-title:after{background:linear-gradient(90deg,hsla(0,0%,100%,0) 25%,#fff);content:"";height:100%;left:auto;pointer-events:none;position:absolute;right:-1px;top:0;width:60px;z-index:2}.breaking-news .banner .close-icon{position:absolute;right:calc(var(--bs-gutter-x)*.5)}.breaking-news.show-banner .banner{transform:translateZ(0)}.breaking-news.hide-banner .banner{pointer-events:none;transform:translate3d(0,-100%,0)}.breaking-news.can-scroll .tout-title-link{transition:transform var(--scroll-duration) 4s linear}.breaking-news.can-scroll.pause-scroll .tout-title-link{transition:unset}.breaking-news.can-scroll.show-banner .tout-title-link{transform:translateX(-100%)}.breaking-news.can-scroll.offset.show-banner .tout-title-link{transform:translateX(100%)}.breaking-news.can-scroll.offset.full-scroll.show-banner .tout-title-link{-webkit-animation:marquee-full var(--animation-duration) linear -5s 1;-moz-animation:marquee-full var(--animation-duration) linear -5s 1;-o-animation:marquee-full var(--animation-duration) linear -5s 1;animation:marquee-full var(--animation-duration) linear -5s 1;transform:unset;transition:unset}.breaking-news-recirc{margin:24px 0}@-webkit-keyframes marquee{25%{left:0;transform:translate(0)}75%,to{left:100%;transform:translate(-100%)}}@-moz-keyframes marquee{25%{left:0;transform:translate(0)}75%,to{left:100%;transform:translate(-100%)}}@-o-keyframes marquee{25%{left:0;transform:translate(0)}75%,to{left:100%;transform:translate(-100%)}}@keyframes marquee{25%{left:0;transform:translate(0)}75%,to{left:100%;transform:translate(-100%)}}@-webkit-keyframes marquee-off{25%{left:0;transform:translate(0)}75%,to{left:0;transform:translate(-100%)}}@-moz-keyframes marquee-off{25%{left:0;transform:translate(0)}75%,to{left:0;transform:translate(-100%)}}@-o-keyframes marquee-off{25%{left:0;transform:translate(0)}75%,to{left:0;transform:translate(-100%)}}@keyframes marquee-off{25%{left:0;transform:translate(0)}75%,to{left:0;transform:translate(-100%)}}@-webkit-keyframes marquee-full{0%{transform:translateX(100%)}to{transform:translateX(-100%)}}@-moz-keyframes marquee-full{0%{transform:translateX(100%)}to{transform:translateX(-100%)}}@-o-keyframes marquee-full{0%{transform:translateX(100%)}to{transform:translateX(-100%)}}@keyframes marquee-full{0%{transform:translateX(100%)}to{transform:translateX(-100%)}}@media (min-width:0)and (max-width:599px){.breaking-news .banner .tout-title .tout-title-link{display:inline-block;height:100%;line-height:inherit;position:absolute;white-space:nowrap}}@media (min-width:600px){.breaking-news.mobile-only{display:none}.breaking-news .banner{top:72px;transform:translateZ(0)}.breaking-news .banner .container{align-items:center;display:flex;height:65px;justify-content:center;left:50%;padding-bottom:16px;padding-top:16px;position:relative;transform:translate3d(-50%,0,0)}.breaking-news .banner .legacy-tout{align-items:center;max-width:100%;padding-right:32px;width:auto}.breaking-news .banner .tout .stamp{margin-bottom:0;padding-bottom:0}.breaking-news .banner .tout-title{display:-webkit-box;height:auto;overflow:hidden;position:static;-webkit-line-clamp:1;line-clamp:1;-webkit-box-orient:vertical}.breaking-news .banner .tout-title:after{right:calc(16px + var(--bs-gutter-x)*.5);width:60px}.breaking-news .banner .close-icon{cursor:pointer;top:calc(50% - 8px)}.breaking-news .banner .close-icon:hover .close-icon-path{stroke:#002aff}.breaking-news.hide-banner .banner{height:0;opacity:0;transform:translate3d(0,calc(-100% - 72px),0)}.with-breaking-news-banner{overscroll-behavior-y:none}}.legacy-tout-layout{--column-padding:16px}.legacy-tout-layout .tout-layout-divider,.legacy-tout-layout .tout-layout-header{border-top:1px solid #0a0a0a;padding:12px 0 16px}.legacy-tout-layout .tout-layout-header{font-size:1.125rem;line-height:1.5;width:100%}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout]{border-bottom:1px solid #cecece;margin:0 0 17px;padding:0 0 15px}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-hero-image-bottom{margin-bottom:17px;padding-bottom:15px}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad{margin-bottom:22px;padding-bottom:22px;padding-top:5px}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad .ad-callout-wrapper{padding-top:0}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad .ad-wrapper{padding-bottom:20px}.tout-title{font-size:.875rem;line-height:1.5rem;margin-bottom:4px}.tout-copy{color:#31313b;font-size:.8125rem;line-height:155%}.video-tout{display:block;position:relative}.tout-play-icon-wrapper{align-items:center;display:flex;height:100%;justify-content:center;position:absolute;width:100%;z-index:2}.legacy-tout-layout .tout-ad{border-bottom:1px solid #cecece;margin:0 0 17px;padding:0 0 15px}.legacy-tout-layout .tout-ad.as-river,.legacy-tout-layout .tout-ad.as-river-native{margin-bottom:22px;padding-top:5px}.legacy-tout-layout .tout-ad.as-river .ad-callout-wrapper,.legacy-tout-layout .tout-ad.as-river-native .ad-callout-wrapper{padding:0}.legacy-tout-layout.as-hero-top-two-column-right .stamp{order:0}.river-content-section.js-loading{min-height:667px}.tout-ad.as-river:has(+.legacy-tout) .river-item,.tout-ad.as-river:has(+.river-section) .river-item{border-bottom:0}.river-section .legacy-tout-layout.as-two-column-with-hero .stack-item:last-child .legacy-tout:last-child{margin-bottom:0}.river-section-header-wrapper{background:#fff;border-top:1px solid #0a0a0a;left:auto;padding:12px 0 16px;position:relative;top:auto;width:100%}.river-section-header-title{color:#0a0a0a;font-size:1.125rem;line-height:1.2;width:100%}.river-section-header-link{background:url(/public/assets/shared/chevron-right.svg) center right 2px no-repeat;background-size:12px 12px;color:#0a0a0a;display:block;transition:background-position .2s;white-space:nowrap}.river-section-header-link:hover{background-position:100%;color:#0a0a0a}.river-item{border-bottom:1px solid #cecece;display:flex;flex-wrap:wrap;margin:0 0 17px;padding:0 0 17px}.river-item.featured-post{border-bottom:none;display:block;margin:0;padding:0}.river-more-link{background:#0a0a0a;border-radius:23px;color:#fff;display:block;font-size:.8125rem;height:46px;letter-spacing:2.57px;line-height:2.875rem;margin:0 auto 60px;text-align:center;text-transform:uppercase;width:276px}.river-more-link:hover{background:#31313b;color:#fff}.river-more-link:active,.river-more-link:focus{background:#0a0a0a}.river-item.native-item{display:block;padding-bottom:0}.river-item.native-item>div{padding-bottom:22px;padding-top:23px}.river-item.native-item>div:empty{padding-bottom:0;padding-top:0}.legacy-tout-layout.as-three-column-grid{display:flex;flex-wrap:wrap;justify-content:space-between}.legacy-tout-layout.as-three-column-grid .legacy-tout,.legacy-tout-layout.as-three-column-grid .tout-ad{border-bottom:none;flex-basis:100%;margin-bottom:20px;padding-bottom:20px}.legacy-tout-layout.as-three-column-grid .tout-ad.as-river .ad-wrapper,.legacy-tout-layout.as-three-column-grid .tout-ad.as-river-native .ad-wrapper{border-top:1px solid #cecece}.legacy-tout-layout.as-two-column-hero-right .stack.with-items-2 .stack-item:first-child{border-right:none;padding-right:0}.legacy-tout-layout.as-two-column-hero-right .section-divider{border-top:1px solid #0a0a0a;padding:12px 0 16px}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-main{border-bottom:none}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary.with-image-top .lazy-holder{padding-top:50%}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary .tout-title{font-size:1.25rem;line-height:1.25}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium{margin-bottom:16px;padding-bottom:16px}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium:last-child{border-bottom:none;margin:0;padding:0}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium .tout-image{margin-top:0}.legacy-tout-layout.as-three-column-center-hero{display:flex;flex-wrap:wrap;margin-top:0}.legacy-tout-layout.as-three-column-center-hero .legacy-tout{padding-bottom:17px}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-3 .tout{border-bottom:none}.legacy-tout[data-component-type=legacy-tout].with-image-bottom.featured-image-tout{display:flex;flex-direction:column;margin-bottom:17px;padding-bottom:20px}.legacy-tout[data-component-type=legacy-tout].with-image-bottom.featured-image-tout .tout-tag{order:1}.legacy-tout[data-component-type=legacy-tout].with-image-bottom.featured-image-tout .tout-title{order:2}.legacy-tout[data-component-type=legacy-tout].with-image-bottom.featured-image-tout .tout-copy{margin-bottom:23px;order:3}.legacy-tout[data-component-type=legacy-tout].with-image-bottom.featured-image-tout .tout-image{order:4}.as-wide-right{margin-bottom:60px}.stack.as-expanded-post-bottom-recirc .stack-item{flex-basis:fit-content}.stack.as-expanded-post-bottom-recirc>.stack-item[data-index="1"]{flex-basis:212px;flex-grow:0;flex-shrink:0}.stack.as-expanded-post-bottom-recirc .collections-header,.stack.as-expanded-post-bottom-recirc .content-recommendations-title{font-size:1.125rem;font-weight:400;line-height:1.35;margin-bottom:0}.stack.as-expanded-post-bottom-recirc .legacy-most-popular .collections-header{padding:8px 0 16px}.stack.as-expanded-post-bottom-recirc .related-posts-container .related-posts-tout p{margin-bottom:24px}.stack.as-expanded-post-bottom-recirc .capi-related-posts-component.related-posts>.content-recommendations-title-container,.stack.as-expanded-post-bottom-recirc .dad-related-posts-component.related-posts>.content-recommendations-title-container,.stack.as-expanded-post-bottom-recirc .legacy-most-popular .collections-header{border-top:1px solid #dde0e8;padding-bottom:8px}.stack.as-expanded-post-bottom-recirc .most-popular-item-num{line-height:1}.stack.as-expanded-post-bottom-recirc .related-posts.large-image-layout .related-posts-container{flex-direction:column}.stack.as-expanded-post-bottom-recirc .large-image-layout.large-image .related-posts-image{margin-bottom:8px}.stack.as-expanded-post-bottom-recirc .large-image-layout.large-image p.related-posts-tout-title{font-size:1.5rem;line-height:1.875rem;margin-bottom:4px}.stack.as-expanded-post-bottom-recirc .large-image-layout.large-image p.related-posts-description{color:#31313b;line-height:1.3125rem;margin-bottom:0}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper{margin-bottom:16px}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .large-image-layout{display:flex;flex-direction:row}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .large-image-layout .related-posts-image{margin-bottom:8px}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .related-posts-tout.large-image-layout p.related-posts-tout-title{margin-bottom:16px}.stack.as-expanded-post-bottom-recirc .stacked-column-layout .related-posts-tout-tag{line-height:1;margin:0 0 8px}.stack.as-expanded-post-bottom-recirc .stacked-column-layout .tout-link:hover :not(.related-posts-description){color:#0a0a0a;text-decoration:underline}.legacy-tout-layout.as-single-inline{border-bottom:1px solid #dde0e8;border-top:1px solid #dde0e8;padding:24px 0}.legacy-tout-layout.as-single-inline .legacy-tout{border-bottom:none;display:block;margin-bottom:0;padding-bottom:0}.legacy-tout-layout.as-single-inline .tout-title{font-size:.9375rem;line-height:1.359375rem;margin-right:0;margin-top:8px}.legacy-tout-layout.as-single-inline .tout-title-link{text-decoration:none}.legacy-tout-layout.as-single-inline .legacy-tout .stamp{margin-bottom:8px;order:0;padding-bottom:0}.legacy-tout-layout.as-single-inline .legacy-tout .tout-image{margin:0 0 0 16px;width:150px}@media (min-width:0)and (max-width:599px){.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary .stamp.as-centered{justify-content:flex-start}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium .tout-image{margin-bottom:0}.legacy-tout-layout.as-three-column .legacy-tout{border-bottom:1px solid #cecece;margin-bottom:17px;padding-bottom:15px}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .large-image-layout .related-posts-image{margin:0 16px 16px 0;width:150px}}@media (min-width:600px){.legacy-tout-layout .stack.with-items-2 .stack-item:first-child{border-right:1px solid #cecece;padding-right:var(--column-padding)}.legacy-tout-layout .stack.with-items-2 .stack-item:last-child{padding-left:var(--column-padding)}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout]{margin-bottom:20px;padding-bottom:20px}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout]:not(.as-standard-image-right):last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-hero-image-bottom{margin-bottom:20px;padding-bottom:25px}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad{margin-bottom:30px;padding-bottom:30px}.legacy-tout-layout .tout-ad{margin-bottom:20px;padding-bottom:20px}.legacy-tout-layout .tout-ad:not(.as-standard-image-right):last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.legacy-tout-layout .tout-ad.as-river,.legacy-tout-layout .tout-ad.as-river-native{margin-bottom:30px}.legacy-tout-layout.as-hero-top-two-column-right{border-bottom:1px solid #cecece;margin-bottom:30px;padding-bottom:30px}.legacy-tout-layout.as-hero-top-two-column-right:has(+.tout-ad){margin-bottom:0}.legacy-tout-layout.as-river .legacy-tout{margin-bottom:30px;padding-bottom:30px}.river-item{border:none;clear:both;margin:0 0 30px;padding:0 0 30px}.river-item.native-item{margin:0;padding:0;position:relative}.river-item.native-item>div{padding-bottom:30px;padding-top:31px}.legacy-tout-layout.as-two-column-hero-right .stack.with-items-2 .stack-item:first-child{padding-right:8px}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary.with-image-top .lazy-holder{padding-top:75%}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary .tout-title{padding:0 16px;text-align:center}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium{margin-bottom:12px;padding-bottom:12px}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium:last-child{margin-bottom:0;padding-bottom:0}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-text-link,.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium:first-child{border-bottom:none}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium .tout-image{display:block;float:none;margin-right:0;margin-top:0;width:auto}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.with-image-left.medium .tout-image .lazy-holder{padding-top:50%}.legacy-tout-layout.as-three-column{border-bottom:1px solid #cecece;display:grid;grid:auto/repeat(2,1fr);margin:0 15px 30px;padding:0 0 30px;width:calc(100% - 30px)}.legacy-tout-layout.as-three-column .legacy-tout{border-bottom:none;margin-bottom:0}.legacy-tout-layout.as-three-column>:first-child,.legacy-tout-layout.as-three-column>:nth-child(3){border-right:1px solid #cecece;margin-right:16px;padding-right:16px}.legacy-tout-layout.as-three-column>:nth-child(3):before,.legacy-tout-layout.as-three-column>:nth-child(4):before{background:#cecece;content:"";display:block;height:1px;margin:16px 0;width:100%}.legacy-tout-layout.as-three-column .most-popular.popular-post-wrapper{margin-bottom:0}.is-right-rail .legacy-tout-layout.as-three-column{margin:0 0 30px;width:100%}.is-right-rail .legacy-tout-layout.as-three-column+.river-item.native-item{border-bottom:none}.legacy-tout-layout.as-three-column-center-hero{margin-top:24px}.legacy-tout-layout.as-three-column-center-hero .layout-item{border-bottom:1px solid #cecece;margin-bottom:30px;padding-bottom:30px}.legacy-tout-layout.as-three-column-center-hero .layout-item.as-hero{flex-basis:65.8301399354%;margin-right:0;padding-right:38px}.legacy-tout-layout.as-three-column-center-hero .layout-item.order-2{display:flex;flex-basis:34.1689989236%;flex-direction:column;margin-left:0;padding-left:0;padding-right:0}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-1,.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-2{border-bottom:none;flex-basis:calc(50% - 8px);margin-bottom:0;padding-bottom:0}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-1{border-right:1px solid #cecece;margin-right:16px;padding-right:16px}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-3{border-bottom:none;border-top:1px solid #cecece;margin-top:24px;padding-bottom:0;padding-top:24px}.stack.as-expanded-post-bottom-recirc.direction-row{flex-direction:column}.stack.as-expanded-post-bottom-recirc .related-posts.large-image-layout .related-posts-container{flex-direction:row}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper{width:calc(33.33333% - 16px)}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .large-image-layout{flex-direction:column}}@media (min-width:600px)and (min-width:1260px){.legacy-tout-layout.as-hero-top-two-column-right,.legacy-tout-layout.as-river .legacy-tout{margin-bottom:35px;padding-bottom:35px}}@media (min-width:600px)and (min-width:960px){.legacy-tout-layout.as-three-column-center-hero.with-borders{border-bottom:none;padding-bottom:0;padding-left:0;padding-right:0}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-1{border-left:1px solid #cecece;flex-basis:calc(50% - 30px);margin-left:0;margin-right:0;padding-left:16px;padding-right:16px}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-2,.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-3{flex-basis:calc(25% + 16px);max-width:unset;width:auto}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-3{border-top:none;margin-top:0;padding-top:0}}@media (min-width:600px)and (min-width:960px)and (min-width:1260px){.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-1{flex-basis:calc(50% - 70px);padding-left:36px;padding-right:36px}.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-2,.legacy-tout-layout.as-three-column-center-hero.with-borders .layout-item.order-3{flex-basis:25%}}@media (min-width:630px){.stack.as-expanded-post-bottom-recirc{margin-left:-60px;width:600px}}@media (min-width:960px){.legacy-tout-layout{--column-padding:26px}.legacy-tout-layout .tout-layout-header{font-size:1.25rem}.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad{border-bottom:1px solid #cecece}.tout-title{font-size:.9375rem;line-height:1.55rem}.tout-copy{font-size:.875rem}.legacy-tout-layout .tout-ad.as-river,.legacy-tout-layout .tout-ad.as-river-native{border-bottom:1px solid #cecece}.river-section-header-title{font-size:1.25rem;line-height:1.35}.river-item{flex-wrap:nowrap}.legacy-tout-layout.as-three-column-grid .legacy-tout{flex-basis:283px}.legacy-tout-layout.as-two-column-hero-right .stack.with-items-2 .stack-item:first-child{padding-right:0}.legacy-tout-layout.as-two-column-hero-right .legacy-tout.as-primary .tout-title{font-size:1.625rem;line-height:1.3}.legacy-tout-layout.as-three-column-center-hero{border-bottom:1px solid #cecece;justify-content:space-between;margin:24px auto 30px;padding:0 25px 30px;width:930px}.legacy-tout-layout.as-three-column-center-hero .layout-item{border-bottom:none;display:flex;flex-direction:column;margin-right:0;max-width:193px;padding:0;width:193px}.legacy-tout-layout.as-three-column-center-hero .layout-item.as-hero{border-bottom:none;flex-basis:397px;margin:0;max-width:397px;padding:0;width:397px}.stack.as-expanded-post-bottom-recirc>.stack-item[data-index="1"]{flex-basis:276px}.stack.as-expanded-post-bottom-recirc.direction-row{flex-direction:row}.stack.as-expanded-post-bottom-recirc .collections-header,.stack.as-expanded-post-bottom-recirc .content-recommendations-title{font-size:1.25rem}.stack.as-expanded-post-bottom-recirc .related-posts-container .related-posts-tout p{margin-bottom:16px}.stack.as-expanded-post-bottom-recirc .capi-related-posts-component.related-posts>.content-recommendations-title-container,.stack.as-expanded-post-bottom-recirc .dad-related-posts-component.related-posts>.content-recommendations-title-container,.stack.as-expanded-post-bottom-recirc .legacy-most-popular .collections-header{border-top:none;padding:0 0 12px}.stack.as-expanded-post-bottom-recirc .most-popular-item-num{padding-top:.125rem}.stack.as-expanded-post-bottom-recirc .large-image-layout.large-image p.related-posts-tout-title{font-size:1.875rem;line-height:2.34375rem}.stack.as-expanded-post-bottom-recirc .large-image-layout.large-image p.related-posts-description{font-size:1rem;line-height:1.45rem}.stack.as-expanded-post-bottom-recirc .stacked-column-wrapper .large-image-layout{margin-bottom:16px}.stack.as-expanded-post-bottom-recirc{border-top:1px solid #dde0e8;display:flex;margin-left:-145px;width:930px}.stack.as-expanded-post-bottom-recirc .legacy-most-popular,.stack.as-expanded-post-bottom-recirc .stack-item:first-child{margin-top:16px}.stack.as-expanded-post-bottom-recirc .legacy-most-popular{width:212px}.stack.as-expanded-post-bottom-recirc .stack-item:first-child{border-right:1px solid #dde0e8;margin-right:25.5px;padding-right:25.5px}.stack.as-expanded-post-bottom-recirc .stack-item:first-child .related-posts:first-child{border-bottom:1px solid #dde0e8;margin-bottom:8px}.stack.as-expanded-post-bottom-recirc p.related-posts-tout-title{font-size:.9375rem;line-height:1.30625rem}.legacy-tout-layout.as-single-inline .tout-title{font-size:1.125rem;line-height:1.63125rem}}@media (min-width:960px)and (min-width:1260px){.legacy-tout-layout.as-three-column-grid .legacy-tout{flex-basis:360px}}@media (min-width:1260px){.legacy-tout-layout .legacy-tout[data-component-type=legacy-tout].as-river-ad{margin-bottom:35px;padding-bottom:35px}.legacy-tout-layout .tout-ad.as-river,.legacy-tout-layout .tout-ad.as-river-native{margin-bottom:35px}.river-item{margin:0 0 35px;padding:0 0 35px}.river-item.native-item>div{padding-bottom:35px;padding-top:36px}.legacy-tout-layout.as-two-column-hero-right .stack.with-items-2 .stack-item:first-child{padding-right:4px}.legacy-tout-layout.as-three-column{grid:auto/repeat(4,1fr);grid-column-gap:47px}.is-right-rail .legacy-tout-layout.as-three-column{grid:auto/repeat(3,1fr)}.legacy-tout-layout.as-three-column>:first-child,.legacy-tout-layout.as-three-column>:nth-child(3){border-right:none;margin:0;padding:0}.legacy-tout-layout.as-three-column>:nth-child(3):before,.legacy-tout-layout.as-three-column>:nth-child(4):before{display:none}.legacy-tout-layout.as-three-column-center-hero{padding:0 0 30px;width:1168px}.legacy-tout-layout.as-three-column-center-hero .layout-item{max-width:245px;width:245px}.legacy-tout-layout.as-three-column-center-hero .layout-item.as-hero{flex-basis:524px;max-width:524px;width:524px}.stack.as-expanded-post-bottom-recirc{margin-left:-295px;width:1230px}.stack.as-expanded-post-bottom-recirc .legacy-most-popular{width:276px}.stack.as-expanded-post-bottom-recirc .stack-item:first-child{border-right:1px solid #dde0e8;margin-right:31px;padding-right:31px}}.masthead{--main-height:65px;position:relative}.masthead>section{background-color:#fff;border-bottom:1px solid #cecece}.masthead a{color:#0a0a0a;text-decoration:none}.masthead .main-section{display:flex;flex-direction:row;justify-content:space-between;padding-bottom:9px;padding-top:9px;z-index:5777777}.masthead .top-section{align-items:center;border-top:none;display:flex;justify-content:center;vertical-align:middle}.masthead .bottom-section{border-bottom:1px solid #cecece;padding-bottom:12px;padding-top:12px}.masthead .bottom-section:not(.grid-lines){padding-left:0;padding-right:0}.masthead .cta-wrapper{--col-gap:24px;align-items:center;align-self:center;column-gap:var(--col-gap);display:flex;flex-direction:row;font-size:12px;height:40px;justify-content:center;line-height:16px;max-height:40px}.masthead .newsletters-link,.masthead .subscribe-link{align-items:center;height:44px;justify-content:flex-start}.masthead .subscribe-link{color:#002aff;display:inline-flex}.masthead .subscribe-link:hover{color:#02c}.masthead .subscribe-link .brand-arrow-icon{font-size:12px;margin:1px 2.2px 0 0}.masthead .subscribe-link.is-hidden{opacity:0;pointer-events:none}.masthead .newsletters-link{display:none}.masthead .logo-link{align-items:center;display:flex;justify-content:flex-start}.masthead .logo-inline{height:auto;max-width:274px;width:calc(100vw - 112px)}.masthead .menu-button{align-items:center;background-color:#0a0a0a;border:none;border-radius:40px;color:#fff;display:flex;font-size:20px;height:40px;justify-content:center;margin-left:-4px;padding:0;width:40px}.masthead .menu-button:hover{background-color:#31313b;cursor:pointer}.masthead .markets-banner{margin-right:calc(var(--masthead-padding)*-1);padding:0}.masthead .sticky-section{display:none}.masthead.is-fixed.no-masthead-ad:not(:has(.vertical-nav)):after{content:"";display:block;height:var(--main-height);width:100%}.masthead.is-fixed.no-masthead-ad:has(.vertical-nav) .vertical-nav{margin-top:var(--main-height)}.masthead.is-fixed:not(.no-masthead-ad) .top-section{margin-bottom:var(--main-height)}.masthead.is-fixed .main-section{left:0;position:fixed;top:0;width:100%}.masthead.is-fixed .sticky-section{display:block;left:0;position:fixed;top:var(--main-height);width:100%;z-index:5666666}.masthead.is-fixed:has(.sticky-section) .masthead-ad.is-leave-behind:not(.is-disabled) .masthead-ad-wrapper{transition:transform .4s ease}.masthead.is-fixed:has(.sticky-section) .masthead-ad.is-leave-behind:not(.is-disabled) .masthead-ad-wrapper [data-bi-ad]{position:relative;z-index:2}.masthead.is-fixed:has(.sticky-section) .masthead-ad.is-leave-behind:not(.is-disabled) .masthead-ad-wrapper [data-bi-ad]:before{background-color:#fff;bottom:100%;content:"";display:block;height:100%;position:absolute;width:100%;z-index:1}.masthead.as-homepage{--main-height:100px}.masthead.as-homepage .bottom-section{border-bottom:1px solid #cecece;padding-bottom:16px;padding-top:24px}.masthead.as-homepage .subnav-section{display:none}.masthead.as-homepage .logo-inline{height:auto}.masthead.as-homepage.is-fixed .main-section{position:fixed;top:0}.masthead-animation{animation-delay:calc(var(--scroll)*-1s);animation-duration:1s;animation-fill-mode:both;animation-iteration-count:1;animation-play-state:paused;animation-timing-function:linear}@keyframes logo-animation{25%{-webkit-transform:scale(var(--logo-animation-scale-1));-moz-transform:scale(var(--logo-animation-scale-1));-o-transform:scale(var(--logo-animation-scale-1));transform:scale(var(--logo-animation-scale-1))}50%{-webkit-transform:scale(var(--logo-animation-scale-2));-moz-transform:scale(var(--logo-animation-scale-2));-o-transform:scale(var(--logo-animation-scale-2));transform:scale(var(--logo-animation-scale-2))}75%{-webkit-transform:scale(var(--logo-animation-scale-3));-moz-transform:scale(var(--logo-animation-scale-3));-o-transform:scale(var(--logo-animation-scale-3));transform:scale(var(--logo-animation-scale-3))}to{-webkit-transform:scale(var(--logo-animation-scale-4));-moz-transform:scale(var(--logo-animation-scale-4));-o-transform:scale(var(--logo-animation-scale-4));transform:scale(var(--logo-animation-scale-4))}}@keyframes main-animation{25%{padding-bottom:var(--main-animation-width-1);padding-top:var(--main-animation-width-1)}50%{padding-bottom:var(--main-animation-width-2);padding-top:var(--main-animation-width-2)}75%{padding-bottom:var(--main-animation-width-3);padding-top:var(--main-animation-width-3)}90%{padding-bottom:var(--main-animation-width-4);padding-top:var(--main-animation-width-4)}to{padding-bottom:var(--main-animation-width-5);padding-top:var(--main-animation-width-5)}}@media (min-width:0)and (max-width:599px){.masthead.as-homepage .user-greeting{margin-bottom:12px}}@media (min-width:600px){.masthead .main-section{padding-bottom:12px;padding-top:12px}.masthead .logo-inline{max-width:unset;width:364px}.masthead.as-homepage .bottom-section{margin-bottom:-24px;padding-bottom:40px}.masthead.as-homepage .logo-inline{height:28px;width:auto}}@media (min-width:1003px)and (max-width:1128px){.masthead.as-homepage .bottom-section,.masthead.as-homepage .main-section{padding-left:24px;padding-right:24px}}@media (min-width:1008px){.masthead .subscribe-link{position:relative}.masthead .subscribe-link:after{background-image:linear-gradient(180deg,#0a0a0a 25%,hsla(0,0%,100%,0) 0);background-position:100%;background-repeat:repeat-y;background-size:2px 4px;border:none;content:"";display:block;height:100%;height:16px;position:absolute;right:calc(var(--col-gap)/2*-1 + -1px);top:50%;transform:translate3d(0,-50%,0);width:1px}.masthead .newsletters-link{display:inline-flex}.masthead .newsletters-link:hover{color:#505057}.masthead .logo-inline{width:334px}.masthead.as-homepage .bottom-section{margin-bottom:-24px;padding-bottom:48px}.masthead.as-homepage .subnav-section{display:flex;justify-content:flex-end}.masthead.as-homepage .logo-inline{height:50px}.masthead.as-homepage .main-section{padding-bottom:24px;padding-top:24px}.masthead.as-homepage.is-fixed .main-animated{animation-name:main-animation}.masthead.as-homepage.is-fixed .logo-animated{animation-name:logo-animation;transform:scale(1);transform-origin:0 50%;transition:transform .2s ease}html{--logo-animation-scale-1:0.9;--logo-animation-scale-2:0.83;--logo-animation-scale-3:0.765;--logo-animation-scale-4:0.72;--main-animation-width-1:22px;--main-animation-width-2:20px;--main-animation-width-3:18px;--main-animation-width-4:16px;--main-animation-width-5:11px}}@media (min-width:1127px)and (max-width:1307px){.masthead.as-homepage .bottom-section,.masthead.as-homepage .main-section{padding-left:calc(50% - 539.5px);padding-right:calc(50% - 539.5px)}}@media (min-width:1308px){.masthead.is-fixed .sticky-section{display:none}}@media (max-width:1307px){.masthead.is-fixed.no-masthead-ad:not(:has(.vertical-nav)):has(.sticky-section):after{height:calc(var(--main-height) + 48px)}}@media (max-width:1007px){.masthead.is-fixed:has(.sticky-section) .main-section,.masthead.is-fixed:has(.sticky-section) .masthead-ad.is-leave-behind:not(.is-disabled) .masthead-ad-wrapper,.masthead.is-fixed:has(.sticky-section) .sticky-section{transition:transform .4s ease}.masthead.is-fixed.is-hidden-by-scroll:has(.sticky-section) .main-section,.masthead.is-fixed.is-hidden-by-scroll:has(.sticky-section) .sticky-section{transform:translate3d(0,calc(var(--main-height)*-1),0)}}.masthead-ad{background-color:#fafafa;flex-direction:column;width:100%}.masthead-ad,.masthead-ad .masthead-ad-wrapper{align-items:center;display:flex;height:125px;justify-content:center;z-index:5666666}.masthead-ad .masthead-ad-wrapper.ad-label{position:relative}.masthead-ad .masthead-ad-wrapper.ad-label:before{left:50%;position:absolute;top:50%;transform:translate3d(-50%,-50%,0)}.masthead-ad .masthead-ad-wrapper.ad-label:has([id^=google_ads_iframe_]):before{display:none}.masthead-ad [data-bi-ad]{max-height:250px;min-height:50px}.masthead-ad .close-icon-wrapper{align-items:center;cursor:pointer;display:none;height:40px;justify-content:center;position:absolute;right:0;top:50%;transform:translate3d(0,-50%,999px);width:40px;z-index:5999999}.masthead-ad .close-icon-wrapper .close-icon-circle,.masthead-ad .close-icon-wrapper .jp-close-wrapper{align-items:center;background:#0a0a0a;border:1px solid #fff;border-radius:28px;display:flex!important;height:28px;justify-content:center;position:relative;right:unset;width:28px;z-index:inherit}.masthead-ad .close-icon-wrapper .jp-close-wrapper .close-icon{left:unset!important;right:unset!important;top:unset!important;transform:unset!important}.masthead-ad .close-icon-wrapper .close-icon{border-radius:12px;cursor:pointer;height:12px;transform:translateZ(999px);width:12px;z-index:5999999}.masthead-ad .close-icon-wrapper .close-icon path{fill:#fff}.masthead-ad.pre-render [id^=google_ads_iframe]{display:none}.masthead-ad:not(.is-tall):not(.is-marquee):not(.is-offscreen):not(.is-leave-behind) .masthead-ad-wrapper [data-bi-ad]{position:sticky;top:0}.masthead-ad.is-marquee .masthead-ad-wrapper{height:125px;position:relative;text-align:center;width:100%}.masthead-ad.is-marquee [data-bi-ad]{height:100%;max-height:100%;max-width:100%;width:100%}.masthead-ad.is-marquee [data-bi-ad] [id^=google_ads_iframe]{height:100%;max-height:250px;width:100%}.masthead-ad.is-marquee iframe{display:block;margin:0 auto}.masthead-ad.is-leave-behind:not(.is-disabled) .close-icon-wrapper{display:flex}.masthead-ad.is-offscreen:not(.is-disabled) .masthead-ad-wrapper{background-color:#fff;height:50px;padding:0}.masthead-ad.is-offscreen:not(.is-disabled) .masthead-ad-wrapper [data-bi-ad]{height:50px}.masthead-ad.is-offscreen:not(.is-disabled).is-tall .masthead-ad-wrapper{transform:translate3d(0,-50%,0)}.masthead-ad.is-offscreen.is-leave-behind:not(.is-disabled) .masthead-ad-wrapper{position:fixed;top:0;transform:translate3d(0,var(--masthead-bottom),0);width:100%}.masthead-ad.is-offscreen.is-leave-behind:not(.is-disabled).is-hidden .masthead-ad-wrapper{opacity:0;pointer-events:none;transition:opacity .3s ease}@media (min-width:960px){.masthead-ad{height:270px;padding-bottom:10px;padding-top:10px}.masthead-ad .masthead-ad-wrapper{height:250px;transform:translateZ(0)}.masthead-ad.is-marquee .masthead-ad-wrapper{height:250px}.masthead-ad.is-offscreen:not(.is-disabled) .masthead-ad-wrapper,.masthead-ad.is-offscreen:not(.is-disabled) .masthead-ad-wrapper [data-bi-ad]{height:90px}.masthead-ad.is-offscreen:not(.is-disabled).is-tall .masthead-ad-wrapper,.masthead-ad.is-offscreen:not(.is-disabled).is-tall .masthead-ad-wrapper [data-bi-ad]{height:250px}}.markets-banner{display:flex;height:26px;max-width:unset}.markets-banner .marquee{overflow:hidden}.markets-banner a{color:#0a0a0a;font-size:.75rem;line-height:1.05rem;text-decoration:none}.markets-banner .ticker-container{margin-left:-6px}.markets-banner .ticker-wrapper{display:flex}.masthead .markets-banner{--marquee-padding:24px;margin-left:calc(var(--marquee-padding)*-1);padding:0}.masthead .markets-banner .marquee-spacer{width:calc(40px - var(--marquee-padding))}.masthead .markets-banner .ticker-container{margin-left:calc(var(--marquee-padding) - 6px)}.markets-banner [data-component-type=marquee].can-scroll .ticker-item{pointer-events:none}.markets-banner [data-component-type=marquee].can-scroll.pause-scroll .ticker-item{pointer-events:auto}.markets-banner .ticker-item{align-items:center;border-radius:2px;column-gap:4px;display:flex;margin-right:0;padding:6px 8px}.markets-banner .ticker-symbol{text-transform:uppercase}.markets-banner .ticker-arrow svg{height:9px;vertical-align:baseline;width:9px}.markets-banner .ticker-item.is-trending-even .ticker-arrow{display:none}.markets-banner .ticker-item.is-trending-up .ticker-arrow,.markets-banner .ticker-item.is-trending-up .ticker-change{color:#1f7f51}.markets-banner .ticker-item.is-trending-down .ticker-arrow,.markets-banner .ticker-item.is-trending-down .ticker-change{color:#e51716}.markets-banner .ticker-item.is-trending-down .ticker-arrow svg{transform:rotate(90deg)}.markets-banner.for-embed{pointer-events:none}.markets-banner .markets-sponsor{align-items:center;background-color:#fff;display:flex;justify-content:center;padding-top:4px;position:relative}.markets-banner .markets-sponsor>.ad-wrapper{margin-right:16px;max-height:65px;width:146px}@media (min-width:600px){.markets-banner .ticker-item:hover{background-color:#faf7f5}.markets-banner .markets-sponsor>.ad-wrapper{margin-right:24px}}@media (min-width:1308px){.markets-banner .markets-sponsor>.ad-wrapper{margin-right:0}}.marquee{height:100%;width:100%}.marquee .marquee-wrapper{display:flex;overflow-x:hidden;overflow-y:hidden}.marquee .marquee-scroller{display:inline-block;font-size:0;white-space:nowrap}.marquee .marquee-scroller>*{display:inline-block}.marquee .marquee-spacer{height:100%;width:40px}.marquee .marquee-spacer:after{content:"";display:block;height:auto;width:40px}.marquee .marquee-clone,.marquee .marquee-spacer,.marquee .marquee-static{display:none}.marquee[data-scroll-type=loop].can-scroll:not(.pause-scroll) .marquee-clone,.marquee[data-scroll-type=loop].can-scroll:not(.pause-scroll) .marquee-spacer{display:inline-block}.marquee.can-scroll.pause-scroll{position:relative}.marquee.can-scroll.pause-scroll .marquee-wrapper{left:0;min-height:36px;position:absolute;width:100%}.marquee.can-scroll.pause-scroll[data-scroll-type=slideup] .marquee-scroller{display:none}.marquee.can-scroll.pause-scroll[data-scroll-type=slideup] .marquee-static{display:inline-block}.marquee.can-scroll.pause-scroll[data-scroll-type=loop] .marquee-clone,.marquee.can-scroll.pause-scroll[data-scroll-type=loop] .marquee-spacer{display:none}.marquee.can-scroll.pause-scroll .marquee-wrapper{overflow-x:auto;overflow-y:hidden;scrollbar-width:none;-ms-overflow-style:none}.marquee.can-scroll.pause-scroll .marquee-wrapper::-webkit-scrollbar{background:transparent;width:0}@media (min-width:960px){.marquee.can-scroll.pause-scroll .marquee-wrapper{scrollbar-width:thin;-ms-overflow-style:unset}.marquee.can-scroll.pause-scroll .marquee-wrapper::-webkit-scrollbar{width:8px}.marquee.can-scroll.pause-scroll .marquee-wrapper::-webkit-scrollbar-track{background-color:#e7e7e7;border:1px solid #cacaca;border-radius:6px;box-shadow:inset 0 0 6px rgba(0,0,0,.3)}.marquee.can-scroll.pause-scroll .marquee-wrapper::-webkit-scrollbar-thumb{background-color:#363636;border-radius:6px}}.hamburger-menu{background-color:#faf7f5;display:flex;flex-direction:column;height:100%;justify-content:space-between;max-width:360px;overflow-y:auto;padding:16px 24px 8px;position:fixed;right:-360px;scrollbar-width:none;top:0;transform:translateZ(0);transition:all .25s ease-in-out;width:100%;z-index:5888888}.hamburger-menu::-webkit-scrollbar{display:none}.hamburger-menu.active{right:0}.hamburger-menu .hamburger-menu-content{display:flex;flex-direction:column;flex-wrap:wrap;row-gap:16px}.hamburger-menu .hamburger-menu-top{align-items:center;display:flex;justify-content:space-between}.hamburger-menu .hamburger-menu-top .monogram-tap-target{align-items:center;display:flex;justify-content:center;padding:5px 3px 5px 0}.hamburger-menu .hamburger-menu-top .logo-monogram{color:#0a0a0a;height:34px;margin-top:3px;width:41px}.hamburger-menu .close-button{align-items:center;background:none;border:none;display:flex;height:44px;justify-content:center;margin-right:-8px;padding:0;width:44px}.hamburger-menu .close-button .close-button-background{align-items:center;background:#0a0a0a;border:none;border-radius:50%;display:flex;height:40px;justify-content:center;width:40px}.hamburger-menu .close-button:hover .close-button-background{background:#31313b}.hamburger-menu .close-button .close-icon{font-size:20px}.hamburger-menu .close-button .close-icon path{fill:#fff}.hamburger-menu .close-button:hover{cursor:pointer}.hamburger-menu .ai-search-box{border:none;margin:0;padding:4px 0 0}.hamburger-menu .ai-search-box input{height:44px;padding-bottom:0;padding-top:0}.hamburger-menu .ai-search-box .input-holder-inner{border:1px solid transparent}.hamburger-menu .ai-search-box .input-holder-inner:has(input:focus){border:none}.hamburger-menu .ai-search-box .input-holder-inner .inline-button{align-items:center;display:flex;font-size:20px;height:44px;justify-content:center;right:0;top:0;width:44px}.hamburger-menu .ai-search-box .input-holder-inner .inline-button:hover{color:#505057}.hamburger-menu .ai-search-box .input-holder-inner .ai-search-icon{flex-shrink:0;height:20px;width:20px}.hamburger-menu .ai-search-box .trending-holder{display:none}.hamburger-menu .ai-search-box input:focus{border:2px solid #002aff;height:46px}.hamburger-menu .hamburger-menu-vertical-lists{--row-gap:12px;display:flex;flex-direction:column;row-gap:var(--row-gap)}.hamburger-menu .accordion[data-group=menu]{width:312px}.hamburger-menu .accordion[data-group=editions] .accordion-row:after{display:none}.hamburger-menu .accordion[data-group=editions] .accordion-item,.hamburger-menu .accordion[data-group=editions] .accordion-item.without-link .accordion-button{font-size:.875rem;font-weight:600}.hamburger-menu .accordion[data-group=editions] .accordion-item.without-link .accordion-button:hover{color:#505057}.hamburger-menu .accordion[data-group=editions] .accordion-button .chevron-down-icon{margin-left:4px;top:0}.hamburger-menu .accordion[data-group=editions] .accordion-link{font-weight:500}.app-cta-wrapper{border-bottom:1px solid #cecece;color:#0a0a0a;display:flex;justify-content:center;text-decoration:none}.app-cta-wrapper .logo-wrapper{align-content:center;color:#002aff;display:flex;flex-wrap:wrap;font-size:1.125rem;justify-content:center;margin:auto 4px auto 0}.app-cta-wrapper .cta-text{font-size:.875rem;line-height:2.75rem}.hamburger-menu-account-links{display:list-block;flex-direction:column;font-size:.875rem;line-height:44px;margin-top:16px}.hamburger-menu-account-links .subscribe-link .svg-icon{font-size:16px;margin:0 6px 0 -2px}.hamburger-menu-account-links .account-text,.hamburger-menu-account-links .newsletter-link{color:#0a0a0a}.hamburger-menu-account-links .account-text:hover,.hamburger-menu-account-links .newsletter-link:hover{color:#505057}.hamburger-menu-account-links .account-text,.hamburger-menu-account-links .newsletter-link,.hamburger-menu-account-links .subscribe-link{align-items:center;display:inline-flex;height:44px;justify-content:flex-start}.hamburger-menu-footer{margin:40px 8px 0}.social-media-follow{justify-content:center;margin:0 auto}.social-media-follow .social-link:hover .svg-icon{color:#505057}.ai-search-box{border-bottom:1px solid #cecece;container-name:ai-search-box;container-type:inline-size;padding:20px 0 16px}.ai-search-box,.ai-search-box .big-button{font-family:Garnett,Helvetica,Arial,sans-serif}.ai-search-box .big-button{background:#002aff;border:none;border-radius:24px;color:#fff;cursor:pointer;display:none;font-size:.8125rem;font-weight:500;margin-left:16px;padding:12px 40px;width:fit-content}.ai-search-box .big-button:hover{background:#02c}.ai-search-box .input-holder{display:flex}.ai-search-box .input-holder-inner{display:flex;position:relative;width:100%}.ai-search-box .input-holder-inner .inline-button{background:none;border:none;color:#0a0a0a;cursor:pointer;font-size:25px;line-height:1;position:absolute;right:5px;top:8px}.ai-search-box .input-holder-inner .inline-button:hover{color:#002aff}.ai-search-box a.tag{border-right:1px solid #cecece;color:#0a0a0a;display:block;font-size:.875rem;font-weight:400;padding-right:16px}.ai-search-box a.tag:hover{color:#002aff}.ai-search-box .carousel-item:last-child a.tag{border-right:none;padding-right:0}.ai-search-box input{border:1px solid #76767a;border-radius:4px;font-family:Garnett,Helvetica,Arial,sans-serif;font-size:.875rem;font-weight:400;padding:10px 12px;width:100%}.ai-search-box input::placeholder{color:#76767a;font-weight:400}.ai-search-box input:focus{border-color:#0a0a0a;box-shadow:inset 0 0 0 .5px #0a0a0a;outline:none}.ai-search-box .trending-holder{align-items:center;display:flex;margin-top:12px}.ai-search-box .trending-holder svg{color:#002aff;flex-shrink:0;margin-right:8px}.ai-search-box .carousel-holder{width:calc(100% - 8px)}.ai-search-box .skeleton{align-items:center;background:rgba(237,238,241,.4);border:none!important;border-radius:.3125rem;color:transparent!important;display:block;min-width:120px;overflow:hidden;pointer-events:none;position:relative}.ai-search-box .skeleton:after{animation:skeleton-shimmer 1s infinite;background-image:linear-gradient(90deg,hsla(0,0%,100%,0),hsla(0,0%,100%,.2) 20%,hsla(0,0%,100%,.5) 60%,hsla(0,0%,100%,0));bottom:0;content:"";left:0;position:absolute;right:0;top:0;transform:translateX(-100%)}@container ai-search-box (min-width: 650px){.ai-search-box .big-button{display:block}}@keyframes skeleton-shimmer{to{transform:translateX(100%)}}@media (min-width:960px){.ai-search-box{border-bottom:none;border-top:1px solid #0a0a0a;margin-bottom:-32px;margin-top:0;overflow:hidden}.ai-search-box .carousel-gradient{width:calc(100% - 24px)}}.accordion{display:grid}.accordion.level-0{--row-gap:12px;row-gap:var(--row-gap)}.accordion.level-0>.accordion-row{position:relative}.accordion.level-0>.accordion-row:after{background-image:linear-gradient(90deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:bottom;background-repeat:repeat-x;background-size:4px 2px;border:none;bottom:calc(var(--row-gap)/2*-1 + -1px);content:"";display:block;height:1px;position:absolute;width:100%}.accordion.level-0 .accordion-button{align-items:center;display:flex;flex-grow:1;justify-content:flex-end;order:2;padding-right:13px}.accordion.level-1 .accordion-row{line-height:44px}.accordion.level-1 .accordion-item{gap:0;justify-content:start;justify-self:start}.accordion.level-1 .accordion-link{display:inline-block;font-size:.875rem;font-weight:600;line-height:44px;margin-left:16px}.accordion.level-1 .accordion-link.with-nested-accordion{margin-left:0;order:2}.accordion.level-1 .accordion-button{display:block;font-size:10px;height:44px;order:1;padding:0;width:44px}.accordion.level-1 .accordion-row.active .arrow-filled-right{transform:rotate(90deg)}.accordion.level-2 .accordion-link{align-items:center;display:inline-flex;font-size:.875rem;font-weight:500;line-height:1.225rem;margin-left:44px;min-height:44px}.accordion .accordion-row{display:grid;font-size:1.125rem;grid-template-rows:min-content 0fr;line-height:44px;transition:grid-template-rows .2s ease-in}.accordion .accordion-row.active{grid-template-rows:min-content 1fr}.accordion .accordion-row.active .chevron-down-icon{transform:rotate(-180deg)}.accordion .accordion-row .accordion{overflow:hidden}.accordion .accordion-item{display:flex;font-weight:500;gap:var(--row-gap);justify-content:space-between}.accordion .accordion-item.without-link{gap:4px;justify-content:start}.accordion .accordion-item.without-link .accordion-button{flex-grow:0;font-size:16px;justify-content:start;padding:0}.accordion .accordion-button{background:none;border:none}.accordion .accordion-link{min-width:44px}.accordion .accordion-button,.accordion .accordion-link{color:#0a0a0a}.accordion .svg-icon{transition:transform .2s ease-in-out}.accordion .chevron-down-icon{position:relative;top:-1px}.accordion .arrow-filled-right{position:relative;top:-2px}.accordion .arrow-filled-right.svg-icon{vertical-align:middle}@media (min-width:600px){.accordion .accordion-button:hover,.accordion .accordion-link:hover{color:#505057;cursor:pointer}}.account-icon-component .account-icon-loader{bottom:0;left:-10px;position:absolute;top:0;width:1px}.account-icon-component a.account-text-logged-in{font-size:11px;letter-spacing:.24px;margin-right:13px}.social-media-follow{column-gap:0;display:flex;font-size:1.25rem}.social-media-follow .svg-icon{height:1em;width:1em}.social-media-follow .social-link{align-items:center;color:#0a0a0a;display:flex;height:44px;justify-content:center;width:44px}.overlay{background:hsla(0,0%,4%,.5);height:100vh;left:0;opacity:0;pointer-events:none;position:fixed;top:0;width:100vw;z-index:5777777}.overlay.active{opacity:1;pointer-events:all}.footer{align-items:center;display:flex;flex-direction:column;font-size:.75rem;line-height:1.05rem;margin:48px 24px 0;padding:0;--grid-row-gap:24px;--grid-col-gap:24px;--link-tap-height:44.8px;column-gap:var(--grid-col-gap);position:relative;row-gap:16px}.footer:after{background:#faf7f5;content:"";height:calc(100% + var(--grid-col-gap)*2);left:calc(-50vw - -50%);position:absolute;top:calc(var(--grid-col-gap)*-1);width:100vw;z-index:-1}.footer.gradient{position:relative}.footer.gradient:before{background:linear-gradient(1turn,#fff 35.75%,hsla(0,0%,100%,0) 136.29%);content:"";display:block;height:225px;position:absolute;top:-225px;width:100%}.footer.gradient,.footer.paywall-drawer-visible{margin:0}.footer.gradient section,.footer.gradient:after,.footer.paywall-drawer-visible section,.footer.paywall-drawer-visible:after{display:none}.footer a{color:#0a0a0a}.footer a:hover{color:#505057}.footer>section{width:100%}.footer .top-section{border-bottom:1px solid #cecece;column-gap:var(--grid-col-gap);margin-bottom:calc(var(--grid-row-gap) - 16px);padding-bottom:var(--grid-row-gap)}.footer .top-section,.footer .top-section .sub-section-right{display:flex;flex-direction:column;row-gap:var(--grid-row-gap)}.footer .top-section .sub-section-right{align-items:center}.footer .top-section>section{display:flex;justify-content:center}.footer .footer-logo{align-items:center;display:flex;width:113px}.footer .app-store-icons{align-items:center;display:flex;gap:10px;justify-content:space-between}.footer .app-store-icon{align-items:center;display:flex;height:44px;width:109px}.footer .brands-label{display:none}.footer .social{align-items:center;display:flex;gap:var(--grid-row-gap);justify-content:space-between}.footer .links-section{display:flex;flex-direction:column;row-gap:var(--grid-row-gap)}.footer .links-section .links-list-heading{margin-bottom:8px}.footer .links-section .links-list-link{display:flex;justify-content:center;min-width:44px;padding:14px 0}.footer .links-section .links-list{display:flex;flex-wrap:wrap;list-style:none;margin:0;overflow:hidden;padding:0;--grid-row-gap:0;column-gap:var(--grid-col-gap);row-gap:var(--grid-row-gap)}.footer .links-section .links-list li{align-items:center;display:flex;margin:0 -12px 0 0;padding:0 12px 0 0;position:relative;white-space:nowrap}.footer .links-section .links-list li:before{background-image:linear-gradient(180deg,#71717a 25%,hsla(0,0%,100%,0) 0);background-position:0;background-repeat:repeat-y;background-size:2px 4px;border:none;content:"";display:block;height:100%;left:calc(var(--grid-col-gap)/2*-1 + -1px);max-height:1.05rem;position:absolute;top:50%;transform:translate3d(0,-50%,0);width:1px}.footer .links-section .sub-section-company,.footer .links-section .sub-section-group,.footer .links-section .sub-section-privacy{flex-basis:100%}.footer .links-section .sub-section-group{display:flex;flex-direction:column;row-gap:var(--grid-row-gap)}.footer .links-section .links-list-wrapper{display:flex}.footer .links-section .links-list-wrapper .links-list:not(:first-child){overflow:visible}.footer .links-section .sub-section-editions .links-list{margin-left:-12px}.footer .copyright-section{border-bottom:1px solid #cecece;margin-top:16px;padding-bottom:16px;text-align:center}.footer .bottom-section{--grid-row-gap:16px;flex-direction:column;row-gap:var(--grid-row-gap)}.footer .bottom-section,.footer .bottom-section>.sub-section{align-items:center;column-gap:var(--grid-col-gap);display:flex}.footer .bottom-section>.sub-section{justify-content:space-between}.footer .brand-logo{align-items:flex-start;display:flex}.footer .brand-logo.lazy-holder{padding-top:10px}.footer .brand-logo.insider-com{width:71.16px}.footer .brand-logo.insider-logo{width:79.2px}.footer .brand-logo.insider-inc{width:69.75px}.footer .brand-logo.insider-tech{width:43.38px}.footer .brand-logo.bi-de{width:85.13px}.footer .brand-logo.insider-media{width:33.84px}.footer .brand-logo.news-insider{width:30.42px}.footer .brand-logo.silicon-alley-insider{width:74.52px}@media (min-width:728px){.footer .bottom-section{align-items:center;flex-direction:row;justify-content:center}}@media (min-width:1008px){.footer{--link-tap-height:32.8px}.footer .top-section,.footer .top-section .sub-section-right{flex-direction:row;justify-content:space-between}.footer .top-section .sub-section-right{column-gap:var(--grid-col-gap)}.footer .links-section .links-list-link{min-width:32px;padding:8px 0}.footer .links-section .sub-section-editions .links-list{margin-left:-6px}.footer .links-section{flex-direction:row}.footer .links-section .sub-section-editions,.footer .links-section .sub-section-privacy{flex-basis:50%;flex-grow:1}.footer .links-section .sub-section-editions .links-list,.footer .links-section .sub-section-privacy .links-list{column-gap:var(--grid-col-gap);display:flex;flex-direction:column;flex-wrap:wrap;margin-right:70px;max-height:calc(var(--link-tap-height)*7)}.footer .links-section .sub-section-editions li,.footer .links-section .sub-section-privacy li{flex-basis:calc(50% - 12px)}.footer .links-section .sub-section-company li,.footer .links-section .sub-section-other li,.footer .links-section .sub-section-privacy li{border:none;margin:0;padding:0}.footer .links-section .sub-section-company li:before,.footer .links-section .sub-section-other li:before,.footer .links-section .sub-section-privacy li:before{display:none}.footer .links-section .sub-section-editions .links-list{margin-right:80px;max-height:calc(var(--link-tap-height)*3 + var(--grid-col-gap));max-width:64px;--grid-col-gap:8px}.footer .links-section .sub-section-editions li{border:none;flex-basis:calc(50% - var(--grid-col-gap));margin:0;padding:0}.footer .links-section .sub-section-editions li:before{display:none}.footer .links-section .sub-section-company,.footer .links-section .sub-section-group{flex-basis:25%}.footer .links-section .sub-section-company .links-list,.footer .links-section .sub-section-other .links-list{display:flex;flex-direction:column;flex-wrap:wrap;row-gap:var(--grid-row-gap)}}@media (min-width:1008px)and (max-width:1307px){.footer{margin-left:auto;margin-right:auto;max-width:1079px;width:calc(100% - var(--grid-col-gap)*2)}}@media (min-width:1308px){.footer{margin-left:calc(50% - 630px);margin-right:calc(50% - 630px)}.footer .links-section .sub-section-privacy .links-list{margin-right:90px}.footer .links-section .sub-section-editions .links-list{margin-right:110px}.footer .links-section .sub-section-privacy{flex-basis:35%}.footer .links-section .sub-section-company{flex-basis:20%}.footer .links-section .sub-section-group{flex-basis:45%;flex-direction:row}.footer .links-section .sub-section-group .sub-section-editions,.footer .links-section .sub-section-group .sub-section-other{flex-basis:50%}}@media (min-width:1950px){.footer:after{left:50%;max-width:1950px;transform:translate3d(-50%,0,0)}}.jumper{background-color:#fff;border:none;border-radius:3px;box-shadow:0 0 0 1px rgba(9,30,66,.08),0 2px 10px rgba(9,30,66,.08),0 0 20px -4px rgba(9,30,66,.31);display:flex;flex-direction:column;left:0;margin:10px;padding:10px 15px;position:fixed;top:-200px;transition:transform .3s cubic-bezier(.2,0,0,1) 0s;width:150px;z-index:5999999}.jumper ol{list-style-type:none;margin-bottom:0;padding-left:15px}.jumper a{color:#0a0a0a}.jumper a:focus-visible{color:#002aff}.jumper.active{transform:translateY(200px)}</style> </head> <body data-site-id="bi" data-id="more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" class=""> <div class="breaking-news" data-component-type="breaking-news" data-load-strategy="disable-lazy" data-url="/ajax/breaking-news" style="--scroll-duration: 5s" ></div> <div class="prebid-helper" data-continent-code="AS"> </div> <header class="masthead" data-component-type="masthead" data-load-strategy="exclude" style="--scroll: 0" > <section class="top-section full-width-section"> <div class="masthead-ad style-loading pre-render as-post-page" data-component-type="masthead-ad" data-load-strategy="exclude" data-ad-subnav="" data-ad-refresher-expand="" data-can-stick="5" data-hide-when=".taboola-feed,footer,[data-is-interscroller]" > <div class="masthead-ad-wrapper ad-label"> <!-- Included desktop "masthead-ad-desktop" --> <div data-bi-ad id="gpt-post-education-subnav-desktop-fluid-1" class="ad ad-wrapper fluid only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/sub-nav/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Subnav" data-responsive="[{"browserLimit":[728,0],"slotSize":[[728,90],[320,50],[3,1]]},{"browserLimit":[970,0],"slotSize":[[970,250],[970,90],[728,90],[3,1]]}]" data-tile-order="tile-0" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/sub-nav/education","region":"Subnav","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"sub-nav","rawvert":""}" data-sticky-duration="5" data-amazontamsizes="[[970,250],[970,90],[728,90]]" data-not-lazy data-enable-ad-refresher="true" data-refresh-count="0" ></div> <!-- Excluded mobile "masthead-ad-mobile" --> <div class="close-icon-wrapper" aria-label="Close this ad"> <div class="close-icon-circle"><svg class="svg-icon close-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M21 5.394 18.606 3 12 9.606 5.394 3 3 5.394 9.606 12 3 18.606 5.394 21 12 14.394 18.606 21 21 18.606 14.394 12 21 5.394Z"/> </svg></div> </div> </div> </div> </section> <section class="main-section grid-lines masthead-animation main-animated"> <a href="/" class="logo-link masthead-animation logo-animated" data-track-click="{"product_field":"logo","event":"navigation","element_name":"masthead","click_text":"Business Insider"}" > <svg class="svg-icon logo-inline " xmlns="http://www.w3.org/2000/svg" width="1365" height="120" viewBox="0 0 1365 120" > <title>Business Insider</title> <g class="logo-inline-path" fill="#0a0a0a" fill-rule="evenodd"> <path d="M0 2.46h49.1c27.31 0 41.59 14.12 41.59 31.46 0 11.97-6.75 20.1-16.11 24.4v.31c11.97 4.3 18.72 13.81 18.72 25.93 0 17.34-13.35 32.53-42.2 32.53H0V2.46Zm47.57 45.42c8.13 0 11.82-4.14 11.82-8.75s-3.68-8.9-11.82-8.9H33.15v17.65h14.42Zm.46 41.43c8.59 0 12.74-4.14 12.74-9.51s-4.3-9.51-12.58-9.51H33.15v19.03h14.88Zm52.32-18.87V2.46h33.45v67.67c0 12.74 6.29 19.49 17.03 19.49s17.49-6.75 17.49-19.64V2.46h33.61v67.98c0 28.85-19.33 49.57-51.1 49.57s-50.49-20.72-50.49-49.57ZM287.1 7.98v29.46c-7.21-5.06-19.49-8.59-29.46-8.59-9.05 0-13.66 2.92-13.66 6.75s5.06 5.83 14.12 9.05c15.35 5.37 36.21 12.58 36.21 36.98 0 21.79-16.42 37.9-45.27 37.9-14.88 0-28.54-4.3-36.98-9.97v-31c8.29 6.75 20.87 12.12 32.99 12.12 10.28 0 15.04-3.84 15.04-8.13 0-5.52-7.83-7.98-17.19-11.36-12.28-4.45-31.76-12.43-31.76-34.68 0-20.1 15.81-36.52 44.04-36.52 12.43 0 23.63 3.22 31.92 7.98Zm15.8-5.52h33.45v114.63H302.9V2.46Zm152.38 114.63h-31.92l-41.28-61.53h-.15v61.53h-31.76V2.46h31.92l41.28 60.46h.15V2.46h31.76v114.63ZM469.09 2.46h79.18v29.77h-45.73v13.81h41.12v27.01h-41.12v14.27h45.73v29.77h-79.18V2.46Zm163.12 5.52v29.46c-7.21-5.06-19.49-8.59-29.46-8.59-9.05 0-13.66 2.92-13.66 6.75s5.06 5.83 14.12 9.05c15.35 5.37 36.21 12.58 36.21 36.98 0 21.79-16.42 37.9-45.27 37.9-14.88 0-28.54-4.3-36.98-9.97v-31c8.29 6.75 20.87 12.12 32.99 12.12 10.28 0 15.04-3.84 15.04-8.13 0-5.52-7.83-7.98-17.19-11.36-12.28-4.45-31.76-12.43-31.76-34.68 0-20.1 15.81-36.52 44.04-36.52 12.43 0 23.63 3.22 31.92 7.98Zm88.54 0v29.46c-7.21-5.06-19.49-8.59-29.46-8.59-9.05 0-13.66 2.92-13.66 6.75s5.06 5.83 14.12 9.05c15.35 5.37 36.21 12.58 36.21 36.98 0 21.79-16.42 37.9-45.27 37.9-14.88 0-28.54-4.3-36.98-9.97v-31c8.29 6.75 20.87 12.12 32.99 12.12 10.28 0 15.04-3.84 15.04-8.13 0-5.52-7.83-7.98-17.19-11.36-12.28-4.45-31.76-12.43-31.76-34.68 0-20.1 15.81-36.52 44.04-36.52 12.43 0 23.63 3.22 31.92 7.98Zm45.97 109.33h33.45V2.69h-33.45v114.63ZM919.08 2.69h-31.76v60.46h-.15L845.89 2.69h-31.92v114.63h31.76V55.79h.15l41.28 61.53h31.92V2.69ZM972.92.23c-28.24 0-44.04 16.42-44.04 36.52 0 22.25 19.49 30.23 31.76 34.68 9.36 3.38 17.19 5.83 17.19 11.36 0 4.3-4.76 8.13-15.04 8.13-12.12 0-24.71-5.37-32.99-12.12v31c8.44 5.68 22.1 9.97 36.98 9.97 28.85 0 45.27-16.11 45.27-37.9 0-24.4-20.87-31.61-36.21-36.98-9.05-3.22-14.12-5.06-14.12-9.05s4.6-6.75 13.66-6.75c9.97 0 22.25 3.53 29.46 8.59V8.21C996.55 3.45 985.35.23 972.92.23Zm46.94 117.08h33.45V2.69h-33.45v114.63Zm80.71-30.23h6.45c17.34 0 28.54-9.82 28.54-27.01s-11.2-27.16-28.54-27.16h-6.45v54.17Zm68.75-27.01c0 34.53-26.09 57.24-63.53 57.24h-38.67V2.69h38.67c37.44 0 63.53 22.86 63.53 57.39Zm9.07 57.24h79.18V87.54h-45.73V73.27h41.12V46.26h-41.12V32.45h45.73V2.69h-79.18v114.63Zm131.83-60.46c8.44 0 15.04-3.99 15.04-11.97s-6.6-11.97-15.19-11.97h-7.06v23.94h7.21Zm54.78 60.46h-39.44l-21.79-35.45h-.77v35.45h-33.45V2.69h40.82c28.7 0 48.64 12.74 48.64 39.9 0 10.74-4.76 26.39-23.79 34.37l29.77 40.36Z"/> </g> </svg></a> <div class="cta-wrapper"> <a class="headline-semibold d-none d-md-flex subscribe-link is-hidden hide-if-subscribed" aria-hidden="true" href="https://www.businessinsider.com/subscription" data-track-click="{"product_field":"subscribe","event":"navigation","element_name":"masthead"}" > <svg class="svg-icon brand-arrow-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M3 3v5.252h8.631L3 16.883V21h4.117l8.63-8.631V21H21V3H3Z"/> </svg> Subscribe </a> <a class="headline-semibold newsletters-link" href="https://www.businessinsider.com/subscription/newsletter" data-track-click="{"product_field":"newsletters","event":"navigation","element_name":"masthead"}" > Newsletters </a> <button class="menu-button" title="Open menu" data-menu-toggle data-interaction-trigger="hamburger-menu,overlay,account-icon,ai-search-box" data-track-click="{"product_field":"hamburger_menu","event":"navigation","element_name":"masthead","click_text":"bi_value_unassigned","click_path":"bi_value_unassigned"}" > <svg class="svg-icon menu-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" stroke="currentColor" d="M2.5 5.5h19v1.414h-19V5.5Zm0 5.793h19v1.414h-19v-1.414Zm0 7.207v-1.414h19V18.5h-19Z"/> </svg> </button> </div> </section> <section class="bottom-section grid-lines"> <section class="markets-banner is-loading" data-component-type="markets-banner" > <div class="marquee" data-component-type="marquee" data-scroll-type="loop"> <div class="marquee-wrapper"> <div class="marquee-scroller"> <div class="ticker-container"> <div class="ticker-wrapper js-loading-indices"></div> </div> </div> </div> </div> <div class="markets-sponsor"> <div data-bi-ad id="gpt-post-education-markets_banner_logo-fluid-1" class="ad ad-wrapper fluid " data-force="" data-type="ad" data-adunit="businessinsider.all/post/ticker-logo/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Markets Banner Logo" data-responsive="[{"browserLimit":[1260,0],"slotSize":[[5,1],"fluid"]},{"browserLimit":[970,0],"slotSize":[[5,1],"fluid"]},{"browserLimit":[728,0],"slotSize":[[5,1],"fluid"]},{"browserLimit":[0,0],"slotSize":[[5,1],"fluid"]}]" data-tile-order="tile-0" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.all/post/ticker-logo/education","region":"Markets Banner Logo","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"ticker-logo","rawvert":""}" ></div> </div> </section> </section> </header> <nav class="component my-insider with-banner style-loading" data-my-insider data-component-type="my-insider" data-load-markup="my-insider/template" data-load-strategy="interaction" > <div class='my-insider-header'></div> <div class='my-insider-nav-and-content'></div> </nav> <nav class="hamburger-menu" data-component-type="hamburger-menu" data-load-strategy="interaction" > <section class="hamburger-menu-content"> <div class="hamburger-menu-top"> <a class="monogram-tap-target" href="/" title="Business Insider" data-track-click="{"click_text":"Business Insider","product_field":"other","element_name":"hamburger_menu","event":"navigation"}" > <svg class="svg-icon logo-monogram " xmlns="http://www.w3.org/2000/svg" width="147.4" height="120" viewBox="0 0 147.4 120" > <g class="logo-monogram-path" fill="currentColor" fill-rule="evenodd"> <path d="M0 0h51.4C80 0 94.9 14.8 94.9 32.9s-7.1 21-16.9 25.5v.3c12.5 4.5 19.6 14.5 19.6 27.2 0 18.2-14 34.1-44.2 34.1H0V0Zm49.8 47.6c8.5 0 12.4-4.3 12.4-9.2s-3.9-9.3-12.4-9.3H34.7v18.5h15.1Zm.5 43.3c9 0 13.3-4.3 13.3-10s-4.5-10-13.2-10H34.7v19.9h15.6ZM112.4 0h35v120h-35V0Z"/> </g> </svg> </a> <button class="close-button" title="Close menu" data-menu-toggle data-track-click="{"product_field":"close","event":"navigation","element_name":"hamburger_menu","click_text":"bi_value_unassigned","click_path":"bi_value_unassigned"}" > <span class="close-button-background"> <svg class="svg-icon close-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M21 5.394 18.606 3 12 9.606 5.394 3 3 5.394 9.606 12 3 18.606 5.394 21 12 14.394 18.606 21 21 18.606 14.394 12 21 5.394Z"/> </svg> </span> </button> </div> <div class="ai-search-box" data-component-type="ai-search-box" data-load-strategy="interaction" data-tracking-area="hamburger" > <form class="input-holder" method="get" action="/answers"> <div class="input-holder-inner"> <input type="text" class="js-search-input" placeholder="Search Business Insider" /> <button class="inline-button" title="Search BI"><svg class="svg-icon ai-search-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M19.475 9.275a8.415 8.415 0 0 1-2.058 6.82L21 20.414 19.064 22l-3.568-4.3a8.53 8.53 0 0 1-4.466 1.253c-4.711 0-8.53-3.795-8.53-8.477C2.5 5.795 6.319 2 11.03 2c.396 0 .786.027 1.167.079l-.549 1.069-2.716 1.395c-.335.173-.6.41-.794.684a5.977 5.977 0 0 0-3.13 5.25c0 3.304 2.697 5.983 6.022 5.983a6.025 6.025 0 0 0 5.298-3.138c.251-.19.468-.441.629-.754l1.395-2.716 1.123-.577Z"/> <path fill="#002AFF" d="M14.822 1.346a.2.2 0 0 1 .356 0l1.66 3.23a.2.2 0 0 0 .086.087l3.23 1.66a.2.2 0 0 1 0 .355l-3.23 1.66a.2.2 0 0 0-.087.086l-1.66 3.23a.2.2 0 0 1-.355 0l-1.66-3.23a.2.2 0 0 0-.086-.087l-3.23-1.66a.2.2 0 0 1 0-.355l3.23-1.66a.2.2 0 0 0 .087-.086l1.66-3.23Z"/> </svg></button> </div> <button class="big-button">Search</button> </form> </div> <section class="hamburger-menu-vertical-lists" data-track-click-shared="{"product_field":"vertical","event":"navigation","element_name":"hamburger_menu"}" > <div class="accordion level-0" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="0" data-track-click-shared="{"element_name":"hamburger_menu","event":"navigation","product_field":"vertical"}" > <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/business" data-track-click >Business</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/strategy" data-track-click >Strategy</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/economy" data-track-click >Economy</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/finance" data-track-click >Finance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/retail" data-track-click >Retail</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/advertising" data-track-click >Advertising</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/careers" data-track-click >Careers</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/media" data-track-click >Media</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/real-estate" data-track-click >Real Estate</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/smallbusiness" data-track-click >Small Business</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/sc/introducing-the-better-work-project-hub" data-track-click >The Better Work Project</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/tech" data-track-click >Tech</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/science" data-track-click >Science</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/artificial-intelligence" data-track-click >AI</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/enterprise" data-track-click >Enterprise</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/transportation" data-track-click >Transportation</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/startups" data-track-click >Startups</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/innovation" data-track-click >Innovation</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://markets.businessinsider.com" data-track-click >Markets</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/stocks" data-track-click >Stocks</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/indices" data-track-click >Indices</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/commodities" data-track-click >Commodities</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/cryptocurrencies" data-track-click >Crypto</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/currencies" data-track-click >Currencies</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://markets.businessinsider.com/etfs" data-track-click >ETFs</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/lifestyle" data-track-click >Lifestyle</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/entertainment" data-track-click >Entertainment</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/culture" data-track-click >Culture</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/travel" data-track-click >Travel</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/food" data-track-click >Food</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/health" data-track-click >Health</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/parenting" data-track-click >Parenting</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/guides" data-track-click >Reviews</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/tech " data-track-click >Tech</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/streaming " data-track-click >Streaming</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/tickets " data-track-click >Tickets</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/home" data-track-click >Home</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/kitchen" data-track-click >Kitchen</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/style" data-track-click >Style</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/beauty" data-track-click >Beauty</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/gifts" data-track-click >Gifts</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/guides/deals" data-track-click >Deals</a> </span> </div> </div> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/politics" data-track-click >Politics</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/defense" data-track-click >Military & Defense</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/law" data-track-click >Law</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/education" data-track-click >Education</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance" data-track-click >Personal Finance</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/banking" data-track-click >Banking</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/savings" data-track-click >Savings</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click >Best Savings Accounts</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/raisin-review" data-track-click >Raisin Review</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/checking-account" data-track-click >Checking Accounts</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click >Best Checking Accounts</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/chime-bank-review" data-track-click >Chime Checking Account</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/sofi-checking-savings-review" data-track-click >SoFi Checking and Saving</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click >Best Money Market Accounts</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/certificates-of-deposit" data-track-click >CDs</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click >Best CD Rates</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click >Best Bank Account Bonuses</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/cash-back-debit-cards" data-track-click >Cash Back Debit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click >Best Banks</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/cit-bank-review" data-track-click >CIT Bank Review</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/banking/ufb-direct-banking-review" data-track-click >UFB Direct Bank</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/small-business" data-track-click >Small Business Banking</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click >Credit Cards</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-score" data-track-click >Credit Scores</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-score/best-credit-monitoring-services" data-track-click >Credit Monitoring</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" data-track-click >Best Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-cash-back-credit-cards" data-track-click >Best Cash Back Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-track-click >Best Rewards Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click >Best Travel Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click >Best 0% APR Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click >Best Balance Transfer Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click >Best First Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click >Best Business Credit Cards</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/discover-it-cash-back-card-review" data-track-click >Discover it Cash Back Credit Card</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-track-click >Chase Sapphire Preferred Credit Card</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/investing" data-track-click >Investing</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/financial-planning" data-track-click >Financial Planning</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/retirement" data-track-click >Retirement</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/taxes" data-track-click >Taxes</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/loans" data-track-click >Loans</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click >Best personal loans</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click >Best debt consolidation loans</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" data-track-click >Best Loans for Bad Credit</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/student-loans" data-track-click >Student Loans</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click >Best Student Loans</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click >Best Student Loan Refinance</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click >Mortgages</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click >Best mortgage lenders</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click >Best mortgage refinance lenders</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/mortgages/fha-interest-rates" data-track-click >Best FHA Lenders</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/mortgages/current-heloc-rates" data-track-click >Best HELOC Lenders</a> </span> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon arrow-filled-right " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M7 22V2L22 12L7 22Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click >Insurance</a> </span> <div class="accordion level-2" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="2"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click >Best Car Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/homeowners-insurance" data-track-click >Homeowners Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click >Best Homeowners Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click >Best Renters Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/life-insurance" data-track-click >Life Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click >Best Life Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/pet-insurance" data-track-click >Pet Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click >Best Pet Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/travel-insurance" data-track-click >Travel Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click >Best Travel Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click >SquareMouth Travel Insurance</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/personal-finance/identity-protection" data-track-click >Identity Theft Protection</a> </span> </div> </div> </div> </div> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <button class="accordion-button headline-medium" title="Expand menu"><svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> <a class="accordion-link headline-medium with-nested-accordion" href="https://www.businessinsider.com/video" data-track-click >Video</a> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="menu" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/show/big-business" data-track-click >Big Business</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/show/food-wars" data-track-click >Food Wars</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/show/so-expensive" data-track-click >So Expensive</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/show/still-standing" data-track-click >Still Standing</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com/show/boot-camp" data-track-click >Boot Camp</a> </span> </div> </div> </div> </div> </section> <section class="hamburger-menu-account-links"> <a href="/subscription" class="headline-semibold subscribe-link hide-if-subscribed" data-track-click="{"element_name":"hamburger_menu","event":"navigation","product_field":"other"}" > <svg class="svg-icon brand-arrow-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M3 3v5.252h8.631L3 16.883V21h4.117l8.63-8.631V21H21V3H3Z"/> </svg> Subscribe </a> <div class="account-btn account-icon-component headline-semibold hide-if-logged-out account-btn-logged-in " data-menu-toggle data-component-type="account-icon" data-load-strategy="interaction" data-interaction-trigger="my-insider" data-accounts-list-icon data-track-click="{"click_text":"bi_value_unassigned","click_path":"bi_value_unassigned","product_field":"account_button","element_name":"hamburger_menu","event":"navigation"}" title="These American students avoided college debt by studying in Europe - Business Insider"> <div class="account-icon-loader"></div> <a class="account-text" role="button">My account</a> </div> <div class="account-btn account-icon-component headline-semibold hide-if-logged-in account-btn-not-logged-in " data-menu-toggle data-component-type="account-icon" data-load-strategy="interaction" data-accounts-list-icon data-track-click="{"click_text":"bi_value_unassigned","click_path":"bi_value_unassigned","product_field":"login","element_name":"hamburger_menu","event":"navigation"}" title="Log in"> <div class="account-icon-loader"></div> <a class="account-text" role="button">Log in</a> </div> <a href="/subscription/newsletter" class="headline-semibold newsletter-link" data-track-click="{"element_name":"hamburger_menu","event":"navigation","product_field":"other"}" > Newsletters </a> <div class="accordion level-0" data-component-type="accordion" data-load-strategy="exclude" data-group="editions" data-level="0" data-track-click-shared="{"click_path":"bi_value_unassigned","element_name":"hamburger_menu","event":"navigation","product_field":"other"}" > <div class="accordion-row"> <span class="accordion-item headline-medium without-link"> <button class="accordion-button headline-medium" title="Expand menu">US edition <svg class="svg-icon chevron-down-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg></button> </span> <div class="accordion level-1" data-component-type="accordion" data-load-strategy="exclude" data-group="editions" data-level="1"> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.de?IR=C" data-track-click >Deutschland & Österreich</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://businessinsider.es" data-track-click >España</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.jp" data-track-click >Japan</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.nl?IR=C" data-track-click >Netherlands</a> </span> </div> <div class="accordion-row"> <span class="accordion-item headline-medium "> <a class="accordion-link headline-medium " href="https://www.businessinsider.com.pl/?IR=C" data-track-click >Polska</a> </span> </div> </div> </div> </div> </section> </section> <footer class="hamburger-menu-footer"> <a href="/app" class="app-cta-wrapper" title="Get the Business Insider app" data-track-click="{"element_name":"hamburger_menu","event":"navigation","product_field":"other"}" > <div class="logo-wrapper"><svg class="svg-icon app-monogram-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M11.068 10.2c0 .401-.315.763-1.009.763H8.83v-1.54h1.23c.694 0 1.009.375 1.009.777ZM11.185 13.747c0 .469-.354.83-1.087.83h-1.27v-1.66h1.284c.706 0 1.073.361 1.073.83Z"/> <path fill="currentColor" fill-rule="evenodd" d="M6 2a4 4 0 0 0-4 4v12a4 4 0 0 0 4 4h12a4 4 0 0 0 4-4V6a4 4 0 0 0-4-4H6Zm4.19 5H6v10h4.36c2.462 0 3.601-1.325 3.601-2.838 0-1.057-.576-1.887-1.597-2.262v-.027c.799-.375 1.375-1.084 1.375-2.128C13.739 8.232 12.52 7 10.19 7Zm7.826 0H15.16v10h2.855V7Z"/> </svg></div> <span class="headline-semibold cta-text">Get the app</span> </a> <div class="social-media-follow" data-e2e-name="social-links" data-track-click-shared="{"click_type":"owned_socials","element_name":"hamburger_menu","event":"outbound_click"}" > <a class="social-link as-facebook" href="https://www.facebook.com/businessinsider" label="facebook" title="Follow us on Facebook" aria-label="Click to visit us on Facebook" data-track-click="{"click_text":"facebook"}" data-e2e-name="facebook" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg> </a> <a class="social-link as-x" href="https://x.com/businessinsider" label="x" title="Follow us on X" aria-label="Click to visit us on X" data-track-click="{"click_text":"x"}" data-e2e-name="x" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-x-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="X" > <path fill="currentColor" d="M17.751 3h3.067l-6.7 7.625L22 21h-6.172l-4.833-6.293L5.464 21h-3.07l7.167-8.155L2 3h6.328l4.37 5.752L17.75 3Zm-1.076 16.172h1.7L7.404 4.732H5.58l11.094 14.44Z"/> </svg> </a> <a class="social-link as-linkedin" href="https://www.linkedin.com/company/businessinsider/" label="linkedin" title="Follow us on LinkedIn" aria-label="Click to visit us on LinkedIn" data-track-click="{"click_text":"linkedin"}" data-e2e-name="linkedin" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-linkedin-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="LinkedIn" > <path fill="currentColor" fill-rule="evenodd" d="M4 2a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V4a2 2 0 0 0-2-2H4Zm4.339 4.606a1.627 1.627 0 1 1-3.254 0 1.627 1.627 0 0 1 3.254 0Zm-.221 2.867H5.13v9.335h2.988V9.473Zm4.517 0H9.662v9.335h2.943V13.91c0-2.729 3.461-2.982 3.461 0v4.9h2.849v-5.914c0-4.6-5.07-4.43-6.31-2.17l.03-1.252Z"/></svg> </svg> </a> <a class="social-link as-youtube" href="https://www.youtube.com/user/businessinsider" label="youtube" title="Follow us on YouTube" aria-label="Click to visit us on YouTube" data-track-click="{"click_text":"youtube"}" data-e2e-name="youtube" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-youtube-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="YouTube" > <path fill="currentColor" d="M11.732 5.5c.508.003 1.777.014 3.126.064l.478.019c1.358.06 2.715.16 3.388.333.898.232 1.604.91 1.842 1.77.38 1.364.427 4.026.433 4.67l.001.134v.153c-.007.644-.054 3.307-.434 4.671-.242.862-.947 1.54-1.842 1.77-.673.172-2.03.273-3.388.332l-.478.02c-1.349.05-2.618.06-3.126.063l-.223.001h-.242c-1.074-.006-5.564-.05-6.992-.417-.898-.232-1.603-.91-1.842-1.769-.38-1.364-.427-4.027-.433-4.671v-.286c.006-.645.053-3.307.433-4.672.242-.862.947-1.54 1.842-1.769 1.428-.366 5.918-.41 6.992-.416h.465ZM9.6 9.937v5.125l5.2-2.562-5.2-2.563Z"/></svg> </svg> </a> <a class="social-link as-instagram" href="https://www.instagram.com/businessinsider/" label="instagram" title="Follow us on Instagram" aria-label="Click to visit us on Instagram" data-track-click="{"click_text":"instagram"}" data-e2e-name="instagram" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-instagram-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Instagram" > <path fill="currentColor" d="M7.858 2.07c-1.064.05-1.79.22-2.425.47-.658.256-1.215.6-1.77 1.156a4.899 4.899 0 0 0-1.15 1.772c-.246.637-.413 1.364-.46 2.429-.047 1.064-.057 1.407-.052 4.122.005 2.716.017 3.056.069 4.123.05 1.064.22 1.79.47 2.426.256.657.6 1.214 1.156 1.769a4.894 4.894 0 0 0 1.774 1.15c.636.245 1.363.413 2.428.46 1.064.046 1.407.057 4.122.052 2.715-.005 3.056-.017 4.123-.068 1.067-.05 1.79-.221 2.425-.47a4.901 4.901 0 0 0 1.769-1.156 4.9 4.9 0 0 0 1.15-1.774c.246-.636.413-1.363.46-2.427.046-1.067.057-1.408.052-4.123-.005-2.715-.018-3.056-.068-4.122-.05-1.067-.22-1.79-.47-2.427a4.91 4.91 0 0 0-1.156-1.769 4.88 4.88 0 0 0-1.773-1.15c-.637-.245-1.364-.413-2.428-.46-1.065-.045-1.407-.057-4.123-.052-2.716.005-3.056.017-4.123.069Zm.117 18.078c-.975-.043-1.504-.205-1.857-.34-.467-.18-.8-.398-1.152-.746a3.08 3.08 0 0 1-.75-1.149c-.137-.352-.302-.881-.347-1.856-.05-1.054-.06-1.37-.066-4.04-.006-2.67.004-2.986.05-4.04.042-.974.205-1.504.34-1.857.18-.468.397-.8.746-1.151a3.087 3.087 0 0 1 1.15-.75c.351-.138.88-.302 1.855-.348 1.054-.05 1.37-.06 4.04-.066 2.67-.006 2.986.004 4.041.05.974.043 1.505.204 1.857.34.467.18.8.397 1.151.746.352.35.568.682.75 1.15.138.35.302.88.348 1.855.05 1.054.062 1.37.066 4.04.005 2.669-.004 2.986-.05 4.04-.043.975-.205 1.504-.34 1.857a3.1 3.1 0 0 1-.747 1.152c-.349.35-.681.567-1.148.75-.352.137-.882.301-1.855.347-1.055.05-1.371.06-4.041.066-2.67.006-2.986-.005-4.04-.05m8.152-13.493a1.2 1.2 0 1 0 2.4-.003 1.2 1.2 0 0 0-2.4.003ZM6.865 12.01a5.134 5.134 0 1 0 10.27-.02 5.134 5.134 0 0 0-10.27.02Zm1.802-.004a3.334 3.334 0 1 1 6.667-.013 3.334 3.334 0 0 1-6.667.013Z"/> </svg> </a> </div> </footer> </nav> <div class="overlay" data-component-type="overlay" data-load-strategy="interaction" ></div> <section id="l-main-content" class=" " data-content > <section class="container mobile-padding"> <back-to-home class="component back-to-home style-loading" data-component-type="back-to-home" data-load-strategy="defer" data-only-on="mobile" > <div class="col-12"> <section class="back-to-home-container"> <div class="back-to-home"> <a class="back-to-home-link headline-semibold" href="/" data-track-click="{"click_text":"Home","click_path":"/","product_field":"bi_value_unassigned","element_name":"back_to_hp","event":"navigation"}" > <svg class="svg-icon chevron-left-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m18.5 19.44-7.72-7.486 7.626-7.394L15.766 2 5.5 11.954 15.86 22l2.64-2.56Z"/> </svg> <span class="back-to-home-text headline-semibold"> HOME </span> </a> <a class="back-to-home-subscribe-link headline-semibold" href="https://www.businessinsider.com/subscription" title="Subscribe" data-track-click="{"click_text":"subscribe","click_path":"/subscribe","product_field":"subscribe_scroll","element_name":"masthead","event":"navigation"}" > <svg class="svg-icon brand-arrow-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M3 3v5.252h8.631L3 16.883V21h4.117l8.63-8.631V21H21V3H3Z"/> </svg> Subscribe </a> </div> </section> </div> <style data-bind-style="back-to-home"> .component.back-to-home.style-loading { display: none; } </style> </back-to-home> <section class="row" role="main" > <section id="l-content" class="is-right-rail with-rail-video-ad" data-track-page-area="Post" data-post-content > <section class="row"> <div class="col-12"> <article class=""> <section class="post-headline-wrapper " id="post-headline" > <div class="post-meta"> <div class="post-overline label-sm strong is-legacy" data-component-type="post-overline" data-load-strategy="exclude" > <span class="breadcrumbs-wrapper caps "> <a href="/education" class="breadcrumb breadcrumbs-no-spacer" data-track-click="{"product_field":"Education","element_name":"breadcrumbs","event":"navigation"}"> Education </a> </span></div> </div> <h1 class="post-headline ">College in the US was too expensive, so these students opted for Europe</h1> </section> <section class="byline-wrapper " data-interaction-trigger="legacy-share,save-article,read-in-app-button" > <div class="byline " data-e2e-name="byline" > <div class="byline-content" data-e2e-name="byline-content" > <div class="byline-row"> <div class="byline-author-container"> <div class="byline-author headline-regular"> <span class="" data-e2e-name="Erin Liam" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/erin-liam" >Erin Liam</a></span> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-10-25T02:45:27Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-10-25T02:45:27Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="legacy-share" data-load-strategy="interaction" data-location="" > <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> <defs/> <title>Share icon</title> <desc>An curved arrow pointing right.</desc> <path fill-rule="evenodd" d="M7.336 8.014l4.2-3.5-4.2-3.5v2.8h-2.54c-1.948 0-3.526 1.567-3.526 3.5v3.16h1.469v-3.16a2.05 2.05 0 012.056-2.042h2.54v2.742z" clip-rule="evenodd"/> </svg> <span class="button-text">Share</span> </button> <div class="share-dropdown-menu dropdown-menu"> <span class="dropdown-menu-item"> <span class="share-link facebook " data-facebook data-href="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" label="facebook" title="Share on Facebook" aria-label="Click to share on Facebook" data-share-link data-flip-widget="" data-track-element="story" data-track-event-label="facebook" data-href-share="https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&utmSource=facebook&utmContent=referral&utmTerm=topbar&referrer=facebook" data-e2e-name="share-link-facebook" data-utm-term="" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg></span> <span class="dropdown-text headline-regular">Facebook</span> </span> </span> <span class="dropdown-menu-item"> <a class="share-link email " data-email data-share-link href="mailto:?subject=College in the US was too expensive, so these students opted for Europe&body=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe%0D%0A%0D%0Ahttps%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&" label="email" title="Email" aria-label="Click to email" data-track-event-label="email" data-href-share="mailto:?subject=College in the US was too expensive, so these students opted for Europe&body=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe%0D%0A%0D%0Ahttps%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&" data-e2e-name="share-link-email" data-utm-term="" data-track-element="story" > <span class="dropdown-icon"><svg class="svg-icon email-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewbox="0.5 1 15 14" aria-labelledby="Email" > <path class="email" fill="currentColor" d="M1.4 4c0-.7.567-1.267 1.267-1.267h10.667c.7 0 1.266.567 1.266 1.267v8c0 .7-.566 1.267-1.266 1.267H2.667c-.7 0-1.267-.567-1.267-1.267V4Zm6.812 3.946L13.4 4.705v-.372a.4.4 0 0 0-.4-.4H3a.4.4 0 0 0-.4.4v.372l5.188 3.241a.4.4 0 0 0 .424 0Zm-.353 1.22L2.957 6.105a.233.233 0 0 0-.357.198v5.365c0 .22.18.4.4.4h10a.4.4 0 0 0 .4-.4V6.302a.233.233 0 0 0-.357-.198L8.142 9.167a.267.267 0 0 1-.283 0Z"/> </svg></span> <span class="dropdown-text headline-regular">Email</span> </a> </span> <span class="dropdown-menu-item"> <span class="twitter " data-twitter data-href="https://twitter.com/intent/tweet?text=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe&url=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10%3FutmSource%3Dtwitter%26utmContent%3Dreferral%26utmTerm%3Dtopbar%26referrer%3Dtwitter&via=businessinsider&utmSource=twitter&utmContent=referral&utmTerm=topbar&referrer=twitter" label="X" title="Share on X" aria-label="Click to share on X" data-share-link data-track-event-label="twitter" data-track-element="story" data-href-share="https://twitter.com/intent/tweet?text=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe&url=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10%3FutmSource%3Dtwitter%26utmContent%3Dreferral%26utmTerm%3Dtopbar%26referrer%3Dtwitter&via=businessinsider&utmSource=twitter&utmContent=referral&utmTerm=topbar&referrer=twitter" data-e2e-name="share-link-twitter" target="_blank" > <span class="dropdown-icon"><svg class="svg-icon social-x-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="X" > <path fill="currentColor" d="M17.751 3h3.067l-6.7 7.625L22 21h-6.172l-4.833-6.293L5.464 21h-3.07l7.167-8.155L2 3h6.328l4.37 5.752L17.75 3Zm-1.076 16.172h1.7L7.404 4.732H5.58l11.094 14.44Z"/> </svg></span> <span class="dropdown-text headline-regular">X</span> </span> </span> <span class="dropdown-menu-item"> <span class="linkedin " data-linkedin data-href="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&title=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe&summary=Besides%20the%20draw%20of%20cheaper%20tuition%2C%20some%20American%20students%20choose%20to%20study%20abroad%20for%20the%20chance%20to%20travel%20or%20to%20pursue%20a%20specific%20program.&mini=true&utmSource=linkedIn&utmContent=referral&utmTerm=topbar&referrer=linkedIn" label="linkedin" title="Share on LinkedIn" aria-label="Click to share on LinkedIn" data-share-link data-flip-widget="" data-track-event-label="linkedin" data-track-element="story" data-href-share="https://www.linkedin.com/shareArticle?url=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&title=College%20in%20the%20US%20was%20too%20expensive%2C%20so%20these%20students%20opted%20for%20Europe&summary=Besides%20the%20draw%20of%20cheaper%20tuition%2C%20some%20American%20students%20choose%20to%20study%20abroad%20for%20the%20chance%20to%20travel%20or%20to%20pursue%20a%20specific%20program.&mini=true&utmSource=linkedIn&utmContent=referral&utmTerm=topbar&referrer=linkedIn" data-e2e-name="share-link-linkedin" data-utm-term="" target="_blank" data-popup-size="975|720" > <span class="dropdown-icon"><svg class="svg-icon social-linkedin-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="LinkedIn" > <path fill="currentColor" fill-rule="evenodd" d="M4 2a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V4a2 2 0 0 0-2-2H4Zm4.339 4.606a1.627 1.627 0 1 1-3.254 0 1.627 1.627 0 0 1 3.254 0Zm-.221 2.867H5.13v9.335h2.988V9.473Zm4.517 0H9.662v9.335h2.943V13.91c0-2.729 3.461-2.982 3.461 0v4.9h2.849v-5.914c0-4.6-5.07-4.43-6.31-2.17l.03-1.252Z"/></svg> </svg></span> <span class="dropdown-text headline-regular">LinkedIn</span> </span> </span> <span class="dropdown-menu-item"> <span class="copy-link " data-copy-link data-href="#" label="copy link" title="Copy link" aria-label="Click to copy link" data-share-link data-track-event-label="copy link" data-href-share="" data-e2e-name="share-link-copy-link" data-utm-term="" target="_blank" data-copy-location="" > <span class="dropdown-icon"><svg class="svg-icon link-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 400 400" > <path class="link" fill="currentColor" d="M176.1 341.5c-30.9 34-83.8 37-117.7 5-33.9-31-36.9-83.9-5-117.9l5-5 58.9-59-23.9-23.9-58.9 59c-45.9 46-45.9 119.9 0 165.9s119.7 46 165.7 0l58.9-59-23.9-23.9-59.1 58.8zM200 33.7l-58.9 59 23.9 23.9 58.9-58.9c32.9-32 85.8-31 117.7 2 30.9 32 30.9 83.9 0 115.9l-58.9 59 23.9 23.9 58.9-59c45.9-46 45.9-119.9 0-165.9-45.8-44.8-119.6-44.8-165.5.1m94.8 71c-7-7-17-7-23.9 0L212 163.6l-46.9 47-58.9 59c-7 7-7 17 0 23.9s17 7 23.9 0l58.9-59 46.9-47 58.9-59c5.9-6.9 5.9-16.9 0-23.8"/> </svg></span> <span class="dropdown-text headline-regular">Copy Link</span> </span> </span> <span class="dropdown-menu-item"> <span class="dropdown-menu-item hidden"> <span class="impact-link" data-impact-link data-href="#" label="impact link" title="impact link" aria-label="Click for impact link" data-share-link data-track-event-label="impact link" data-href-share="" data-e2e-name="share-link-impact-link" data-utm-term="" target="_blank" data-copy-location="" > <span class="dropdown-icon"> <svg class="" width="11" height="21" viewBox="0 0 11 21" fill="none" xmlns="http://www.w3.org/2000/svg" > <title>lighning bolt icon</title> <desc>An icon in the shape of a lightning bolt.</desc> <path class="lightning-bolt" d="M4.1245 0L0.25 9.996H4.4395L0.25 21L10.729 6.25275H6.01975L9.1855 0H4.1245Z" fill="#002aff"/> </svg> </span> <span class="dropdown-text headline-regular">Impact Link</span> </span> </span> </span> </div> </div> <div class="vertical-divider"></div> <button class="sharebar-link save-article save-button legacy-save-article " label="save-article" title="Save Article" aria-label="Save this article" data-location="top" data-track-event-label="save-article" data-component-type="save-article" data-load-strategy="interaction" data-track-element="story" data-e2e-name="share-link-save-article" > <svg class="svg-icon bookmark-icon " role="img" width="1em" height="1em" viewBox="-1 0 14 14" fill="none" xmlns="http://www.w3.org/2000/svg" > <title>Save Article Icon</title> <desc>A bookmark</desc> <path class="save-article" d="M9.5 1.5C10.0523 1.5 10.5 1.94772 10.5 2.5L10.5 12.0642C10.5 12.2352 10.2992 12.3273 10.1696 12.2158L6.12484 8.73665C6.04978 8.67209 5.93878 8.67216 5.86381 8.73682L1.83061 12.2149C1.701 12.3267 1.5 12.2346 1.5 12.0634L1.5 2.5C1.5 1.94771 1.94772 1.5 2.5 1.5L9.5 1.5Z" stroke-width="1.5" stroke="currentColor" /> </svg> <span class="button-text headline-regular">Save</span> </button> <div class="vertical-divider d-md-none"></div> <a class="d-md-none read-in-app-button " data-app-button data-only-on="mobile" data-component-type="read-in-app-button" data-load-strategy="interaction" title="Download the app" aria-label="Click to download the app" data-track-event-label="app" target="_blank" href="https://insider-app.onelink.me/4cpG/?af_js_web=true&af_ss_ver=2_3_0&af_dp=insider%3A%2F%2Fbi%2Fpost%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&af_force_deeplink=true&is_retargeting=true&deep_link_value=https%3A%2F%2Fwww.businessinsider.com%2Fmore-american-students-avoid-debt-studying-abroad-college-europe-2024-10&pid=businessinsider&c=post_page_share_bar_v2_smart_4.13.23" data-track-view="{"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"sharebar_app_cta"}" > <svg class="mobile-icon" width="9" height="16" viewBox="0 0 9 16" fill="none" xmlns="http://www.w3.org/2000/svg" > <path fill-rule="evenodd" clip-rule="evenodd" d="M0.199951 2C0.199951 1.17157 0.871524 0.5 1.69995 0.5H7.27138C8.09981 0.5 8.77138 1.17157 8.77138 2V14C8.77138 14.8284 8.09981 15.5 7.27138 15.5H1.69995C0.871523 15.5 0.199951 14.8284 0.199951 14V2ZM5.55709 13.3571C5.55709 13.9489 5.0774 14.4286 4.48567 14.4286C3.89393 14.4286 3.41424 13.9489 3.41424 13.3571C3.41424 12.7654 3.89393 12.2857 4.48567 12.2857C5.0774 12.2857 5.55709 12.7654 5.55709 13.3571ZM7.43209 1.83929H1.53924V11.2143H7.43209V1.83929Z" fill="#0a0a0a"/> </svg> <span class="headline-regular button-text"> Read in app </span> </a></section> </section> <div class="col-12"> </div> <figure class="figure image-figure-image as-notched" data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope itemtype="https://schema.org/ImageObject" > <div class="aspect-ratio" style="padding-top: calc(100% / (2974 / 2230))" > <meta itemprop="contentUrl" content="https://i.insider.com/670738c53f2165d716dfb9f4?width=700"/> <img src="https://i.insider.com/670738c53f2165d716dfb9f4?width=700" srcset="https://i.insider.com/670738c53f2165d716dfb9f4?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/670738c53f2165d716dfb9f4?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/670738c53f2165d716dfb9f4?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/670738c53f2165d716dfb9f4?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/670738c53f2165d716dfb9f4?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/670738c53f2165d716dfb9f4?width=2000&format=jpeg&auto=webp 2000w" sizes="(min-width: 1280px) 900px" alt="A girl in a white dress poses with Prague in the background" decoding="sync" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon chevron-down-icon caption-drawer-icon" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg> </label> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">Liza Jean Miezejeski decided to move to Prague for a more affordable college education.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Liza Jean Miezejeski </span> </span> </figcaption> </span> </figure> <div class="inline-backup-paywall desktop" data-component-type="inline-backup-paywall" style="display:none"> <span class="headline-semibold subscription-msg">This story is available exclusively to Business Insider subscribers. <a href="/subscription" class="subscription-link">Become an Insider</a> and start reading now.</span> <span class="headline-regular login-prompt">Have an account? <button class="login-prompt-btn">Log in</button>.</span> </div> <div> <section class="post-content typography " data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <ul class="summary-list"><li>As college tuition fees soar, more American students are going abroad.</li><li>Beyond cheaper tuition, college abroad can offer multiple benefits, including exposure to new cultures.</li><li>The most popular destinations are in Europe, according to the Institute of International Education.</li></ul><p>When it was time for Liza Jean Miezejeski to start thinking about college, she couldn't stop worrying about <a target="_blank" class="" href="https://www.businessinsider.com/professor-student-loan-debt-suddenly-forgiven-2024-8" data-analytics-product-module="body_link" rel="">student debt</a>.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-1" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-1/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-1" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-1/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-1","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-not-lazy="" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>"Every time I looked, there were schools that seemed interesting, but none that was worth going into debt for," she told Business Insider.</p><p>One day, while in the car with her mom, she heard on the radio that Americans were moving to Germany for free education. It sounded like a dream to her: a chance to live abroad and earn an affordable college degree.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-2" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-2/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-2" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-2/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-2","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>Miezejeski, then a sophomore at a<strong> </strong>Connecticut high school, started to look into it seriously. She ended up <a target="_blank" class="" href="https://www.businessinsider.com/american-gen-z-college-europe-university-abroad-prague-brussels-affordable-2024-8" data-analytics-product-module="body_link" rel="">attending a university in Prague</a> and then moved to Brussels for graduate school. She<strong> </strong>graduated from both schools with no debt.</p><p>Miezejeski is not alone. Like her, more American students are looking abroad to complete their college education.</p><p>While<a target="_blank" href="https://www.businessinsider.com/nyu-student-hated-study-abroad-semester-florence-italy-2023-3" data-analytics-product-module="body_link" rel=""> study abroad</a> programs — which allow students to spend a semester or a year overseas — are nothing new, completing a full degree outside the US has been gaining popularity.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-3" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-3/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-3" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-3/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-3","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>A representative for the Institute of International Education, a nonprofit exchange organization based in New York,<strong> </strong>told BI the number of US-based students who went to college abroad has increased in the last year. </p><p><em>"</em>Most US colleges and universities anticipate increased or stable student participation in study abroad in the forthcoming 2024/25 academic year," the representative said. They<strong> </strong>said<strong> </strong>this includes students in non-exchange programs and those pursuing degrees overseas.</p><p>James Edge, the owner of Beyond the States, a platform that helps students apply to bachelor's and master's programs abroad, said he's seen a 5 to 10% increase in students pursuing degrees abroad each year since he joined the company three years ago.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-4" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-4" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>Greg Kaplan, a private college admissions counselor and the author of "Earning Admission: Real Strategies for Getting Into Highly Selective Colleges," said interest has increased tenfold over the past six years. "Six years ago, if we had one student applying abroad, it was interesting," he said. Now, out of the 350 high school students his company works with yearly, 10 to 20% apply to college abroad, he said.</p><p>There are several reasons for this, from an interest in specific programs to a desire to explore the world. But above all, experts and students alike have echoed the same sentiment: <a target="_blank" class="" href="https://www.businessinsider.com/college-tuition-costs-too-much-make-degrees-matter-less-jobs-2023-9" data-analytics-product-module="body_link" rel="">college in America is too expensive</a>.</p><h2 id="8e99aa2f-2e09-4281-86df-d39f0ee659f3" data-toc-id="8e99aa2f-2e09-4281-86df-d39f0ee659f3"><strong>The skyrocketing prices of college in the US</strong></h2><p>According to the<a target="_blank" href="https://nces.ed.gov/ipeds/Search?query=college%20tuition&query2=college%20tuition&resultType=all&page=1&sortBy=relevance&overlayDigestTableId=202707" data-analytics-product-module="body_link" rel=""> National Center for Education Statistics</a>, students in the US spent an average of $28,297 a year — or around $113,188<strong> </strong>for a four-year program — on tuition and required fees at public out-of-state schools<strong> </strong>in the academic year of 2022 to 2023.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-5" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-5" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>These fees have risen over the years. The <a target="_blank" class="" href="https://www.usnews.com/education/best-colleges/paying-for-college/articles/see-20-years-of-tuition-growth-at-national-universities" data-analytics-product-module="body_link" rel=" nofollow">U.S. News & World Report</a> found that among the 436 colleges in its annual rankings, out-of-state tuition fees at public universities have risen by around 32% over two decades after adjustments for inflation. The same report showed that in-state tuition fees at public universities have grown by 45%.</p><p>And <a target="_blank" class="" href="https://www.businessinsider.com/cost-us-universities-wildly-expensive-education-tuition-fees-america-2024-3" data-analytics-product-module="body_link" rel="">private colleges</a> in the US can cost more than twice that much. Tuition this year at <a target="_blank" class="" href="https://seaver.pepperdine.edu/admission/financial-aid/undergraduate/costs/budget-costs.htm" data-analytics-product-module="body_link" rel="">Pepperdine University</a> in Malibu, which is ranked as one of the most expensive schools in the country, is $65,990.</p><p>"That sticker shock is very potent for families," said Robert Harry, an associate director of college counseling at Kent School, a boarding school in Connecticut.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-6" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-6" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>Harry estimates<strong> </strong>that in his 15 years of experience, the number of kids who went abroad for college increased from around 1% of any given high school class to as much as 5 or 10% of a class.</p><h2 id="da752867-c83d-49cb-9f93-4e420a8dea12" data-toc-id="da752867-c83d-49cb-9f93-4e420a8dea12">Many have their eyes set on Europe</h2><p>College in Europe has become an attractive alternative. For one, tuition is generally cheaper. <a target="_blank" class="" href="https://beyondthestates.com/" data-analytics-product-module="body_link" rel=" nofollow">Beyond the States</a> lists<strong> </strong>the average tuition fee for European bachelor's programs as $7,390 a year for international students. The average is<strong> </strong>based on calculations from its database of 12,600 English-taught bachelor's programs in Europe. In some countries, like <a target="_blank" class="" href="https://www.businessinsider.com/moved-to-germany-from-us-school-almost-deported-dont-regret-2023-11" data-analytics-product-module="body_link" rel="">Germany, public college education is free</a>, even for international students.</p><p>Many<strong> </strong>European university degrees often take three years to complete, so it's also one less year of college tuition to pay for. "You get an extra year of your life back," Edge said.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-7" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-7" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>American students often turn to English-speaking destinations like the UK and Ireland for their education abroad. However, college advisors said<strong> </strong>other European and Asian countries, like the Netherlands and Japan, that offer English-language programs are also gaining popularity.</p><h2 id="c8d0dc93-f262-4e4f-96d1-cf7969c1161f" data-toc-id="c8d0dc93-f262-4e4f-96d1-cf7969c1161f">The rise in interest comes as US applications become more competitive</h2> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 900 / 1200)"> <meta itemprop="contentUrl" content="https://i.insider.com/6699c651fb2b6bedb0589635"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/6699c651fb2b6bedb0589635":{"contentType":"image/jpeg","aspectRatioW":1200,"aspectRatioH":900}}" alt="A girl and her brother on a bridge in Toulouse, France"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Jacob Zeidberg (right) decided to attend college in Europe because he struggled with the American college application process. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Lou Zeidberg </span> </figcaption> </span> </figure> <p>In 2019, Jacob Zeidberg <a target="_blank" class="" href="https://www.businessinsider.com/american-couple-sent-both-kids-college-europe-france-spain-cost-2024-7" data-analytics-product-module="body_link" rel="">applied to almost 30 schools</a> in the US.<strong> </strong>He was waitlisted or rejected from all of them.</p><p>A <a target="_blank" class="" href="https://www.commonapp.org/files/FY_application_trends_end_season_report_23-24.pdf" data-analytics-product-module="body_link" rel=" nofollow">2024 report from Common App,</a> a college application platform, showed that application volume has grown by 171% since the 2014-15 academic year. The number of<strong> </strong>applications per applicant has risen by 46% in the same timeframe, now totaling 6.65 applications per person.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-8" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-8" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>"When the Common App became ubiquitous, it started to get <a target="_blank" class="" href="https://www.businessinsider.com/more-competitive-than-ever-get-into-college-admissions-2024-1" data-analytics-product-module="body_link" rel="">really hard to get into American institutions</a> just because it's so much easier to apply to so many more of them," Harry said.</p><p>It's pushed some parents and students to look elsewhere.</p><p>For many, Europe is the answer. "Even if you haven't done all the extracurriculars, or if you haven't taken the SATs, it is much easier to get accepted to school in Europe because the way they do admissions is slightly different," Edge, owner of Beyond the States, said.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-9" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-9" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>For example, he said they may focus more on the student's academic strengths than on standardized tests.</p><p>Zeidberg eventually applied to Toulouse Business School in France. He said the application process was smooth and efficient, and he was accepted two weeks later.</p><p>"It was like night and day," his mom, Jennifer Zeidberg,<strong> </strong>told BI.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-10" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-10" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><h2 id="ea928511-b08c-486a-a718-951d6f05e28a" data-toc-id="ea928511-b08c-486a-a718-951d6f05e28a"><strong>The benefits of college abroad go beyond cost</strong></h2><p>In many US colleges, students declare a major after their freshman year. Many colleges outside the US are more specialized.</p> <section class="dad-related-posts-component at-inline related-posts" data-component-type="dad-related-posts" data-delay-third-party-scripts="true" data-size="2" data-container-index="in_content_recirc_1" data-included-verticals="education" data-placement="inline" data-excluded-verticals="bi-video" data-root-margin="250px 0px" data-track-view="{"event":"module_in_view","element_name":"in_content_recirc","subscription_experience":"bi_value_unassigned","product_field":"in_content_recirc_1"}"> <div class="content-recommendations-title-container"> <h2 class="content-recommendations-title display-xs ignore-typography"> Related stories </h2> </div> <div class="dad-related-posts-container"></div> </section> <p>That system appeals to many people who are sure of their interests. "If you are definitely a math person, knowing that you can do three or four years of math and never have to write another English essay — it's intriguing for people," Harry said.</p><p>Scarlett Kiaras-Attari, who grew up in Kentucky<strong> </strong>and <a target="_blank" class="" href="https://www.businessinsider.com/american-student-romanticized-uk-edinburgh-scotland-oxford-college-university-london-2024-8" data-analytics-product-module="body_link" rel="">moved to Scotland in 2018</a> for undergrad, was one of them. "I was so interested in medieval history and Classics," she told BI. "I just knew that there was no other place that I had applied to that was really going to capture that the way that I thought Edinburgh could."</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-11" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-11" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 2268 / 3024)"> <meta itemprop="contentUrl" content="https://i.insider.com/6704efe9a7031864928020de"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/6704efe9a7031864928020de":{"contentType":"image/jpeg","aspectRatioW":3024,"aspectRatioH":2268}}" alt="A girl poses in front of Oxford University"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Kiaras-Attari completed her bachelor's degree in Scotland and her master's degree at the University of Oxford. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Scarlett Kiaras-Attari </span> </figcaption> </span> </figure> <p>Some students also seek niche fields that can only be found abroad. Kaplan, for example, had a student who turned down programs in the US because he wanted more exposure to Formula 1 racing, which is primarily rooted in Europe. He ended up studying motorsports engineering at Oxford.</p><p>For many, being able to travel easily is also a huge plus.</p><p>"You can just pop on a train and go right next door to Portugal or France, for example. There's just so much more opportunities for cultural engagement," said Edge.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-12" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-12" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><h2 id="47862e7c-8637-4709-bca9-9464a643493b" data-toc-id="47862e7c-8637-4709-bca9-9464a643493b">Important considerations</h2><p>Although tuition fees are usually lower, college advisors said that students going abroad have to consider other costs, such as visas, daily expenditures, rent, and flights back home.</p> <section class="dad-related-posts-component at-inline related-posts" data-component-type="dad-related-posts" data-delay-third-party-scripts="true" data-size="2" data-container-index="in_content_recirc_2" data-included-verticals="education" data-placement="inline" data-excluded-verticals="bi-video" data-root-margin="250px 0px" data-track-view="{"event":"module_in_view","element_name":"in_content_recirc","subscription_experience":"bi_value_unassigned","product_field":"in_content_recirc_2"}"> <div class="content-recommendations-title-container"> <h2 class="content-recommendations-title display-xs ignore-typography"> Related stories </h2> </div> <div class="dad-related-posts-container"></div> </section> <p>They should also consider the emotional impact of moving abroad.</p> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 903 / 1204)"> <meta itemprop="contentUrl" content="https://i.insider.com/6704decd198738e3a70eeefc"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/6704decd198738e3a70eeefc":{"contentType":"image/jpeg","aspectRatioW":1204,"aspectRatioH":903}}" alt="A girl posing in front of a castle in Germany"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Mrozek said she had to learn how to navigate the cultural differences in Germany. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Amanda Mrozek </span> </figcaption> </span> </figure> <p>Amanda Mrozek, who withdrew from Central Michigan University in her third year<strong> </strong>and moved to Germany to get her degree in<strong> </strong>2021, <a target="_blank" class="" href="https://www.businessinsider.com/american-moving-germany-college-university-things-to-know-2024-7" data-analytics-product-module="body_link" rel="">struggled with cultural differences</a>.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-13" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-13" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>For example, her college in Germany lacked school spirit and a sports culture, she said. Most students also lived off-campus and went straight home after class instead of hanging out on campus.</p><p>"It's just not fun," she previously told BI. "I understand people will say, 'You're supposed to be learning.' But at least for me, I can learn better when I'm enjoying something about it."</p><p>Harry often tells <a target="_blank" class="" href="https://www.businessinsider.com/guide-moving-abroad-for-college-according-to-university-advisors-diploma-2024-9" data-analytics-product-module="body_link" rel="">students</a> they won't have a typical American college experience abroad and that they will often be in the minority of kids who go abroad.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-14" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-14" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>"Recognize that your experience is going to be a bit different, but it doesn't mean it's any less rich or rewarding," he said.</p> <figure class="figure image-figure-image " data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope="" itemtype="https://schema.org/ImageObject"> <div class="lazy-holder " style="padding-top: calc(100% * 1886 / 2515)"> <meta itemprop="contentUrl" content="https://i.insider.com/67171c2a01ea6d83dee30b5f"> <img class="lazy-image " src="data:image/svg+xml,%3C%3Fxml version='1.0' encoding='UTF-8'%3F%3E%3Csvg xmlns='http://www.w3.org/2000/svg' width='1' height='1'/%3E" data-content-type="image/jpeg" data-srcs="{"https://i.insider.com/67171c2a01ea6d83dee30b5f":{"contentType":"image/jpeg","aspectRatioW":2515,"aspectRatioH":1886}}" alt="Girl sits by the window with her book in Italy"> </div> <span class="image-source-caption "> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption"> Rent was affordable for Miezejeski in Brussels and Prague. <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText"> Liza Jean Miezejeski </span> </figcaption> </span> </figure> <p>In the years since graduating from high school, Miezejeski only knows of three other high school classmates who left the US: one went to Canada, and two others went to the Netherlands and Italy to study. But most of them stayed in Connecticut or studied in nearby cities like Boston and New York. Where she's from, it's not common to go abroad, but it's a slow trend, she said.</p><p>Since completing her degree in 2021, she hasn't looked back.</p><!-- Excluded mobile ad on desktop --><div class="in-post-sticky only-desktop"><div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad="" id="gpt-post-education-desktop_in_post_ad-desktop-fluid-15" class="ad ad-wrapper fluid in-post only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/in-content-4-plus/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Desktop In Post Ad" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],"fluid"]},{"browserLimit":[1260,0],"slotSize":[[728,90],[300,250],[800,480],[600,480],"fluid"]}]" data-tile-order="tile-15" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/in-content-4-plus/education","region":"Desktop In Post Ad","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"in-content-4-plus","rawvert":""}" data-amazontamsizes="[[728,90],[300,250]]" data-enable-ad-refresher="true" data-refresh-count="0"></div> </div></div><p>She decided to stay in Europe and pursue a master's degree in Brussels. Her master's program was one year long<strong> </strong>and cost around $4,700 — almost a fifth of what<strong> </strong>she would have paid if she had pursued a master's at the University of Connecticut, a college in her state, based on the <a target="_blank" class="" href="https://bursar.uconn.edu/tuition-fees/graduate/2024-2025/" data-analytics-product-module="body_link" rel="">university's website</a>.</p><p>More importantly, Miezejeski gained<strong> </strong>experiences money can't buy.</p><p>"I have friends now all over the world," she said. "I've learned about all their cultures, how they do things and their languages. I've met incredible people and learned so much. The learning does not stop."</p> </div> </div> </div> </section> </div> <section class="post-content-more"> <section class="dad-related-posts-component at-post-bottom related-posts standard" data-component-type="dad-related-posts" data-delay-third-party-scripts="true" data-size="4" data-container-index="" data-included-verticals="education" data-placement="post-bottom" data-excluded-verticals="bi-video" data-root-margin="250px 0px" data-track-view="{"element_name":"end_of_article_recirc","product_field":"bi_value_unassigned","subscription_experience":"bi_value_unassigned"}" > <div class="content-recommendations-title-container"> <h2 class="content-recommendations-title display-xs ignore-typography"> Read next </h2> </div> <div class="dad-related-posts-container"></div> </section> </section> <div class="post-category-tags" data-component-type="post-category-tags" data-load-strategy="lazy"> <ul class="post-category-tags-list headline-semibold" data-track-click-shared="{"product_field":"bi_value_unassigned","event":"navigation","element_name":"category_link"}" > <li class="post-category-tag"> <a data-track-click href="/category/college" class="post-category-link">College</a> </li> <li class="post-category-tag"> <a data-track-click href="/category/europe" class="post-category-link">Europe</a> </li> </ul> </div> <div class="ad-callout-wrapper ad-label headline-medium only-mobile"> <div data-bi-ad id="gpt-post-education-mobile_article-mobile-fluid-1" class="ad ad-wrapper fluid only-mobile" data-force="" data-type="ad" data-adunit="businessinsider.mobile/post/after-content/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Mobile Article" data-responsive="[{"browserLimit":[0,0],"slotSize":[[320,50],[320,100],[300,250],[300,50]]}]" data-tile-order="tile-0" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.mobile/post/after-content/education","region":"Mobile Article","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"after-content","rawvert":""}" data-amazontamsizes="[[320,50],[320,100],[300,250],[300,50]]" data-enable-ad-refresher="true" data-refresh-count="0" ></div> </div> <section class="post-content-bottom taboola-feed" data-track-page-area="Post Bottom" > <!-- Included desktop "taboola" --> <vendor-taboola class="component taboola js-only-desktop" data-component-type="vendor-taboola" data-root-margin="0px 0px 100% 0px" data-consent="MARKETING" config="{"providerName":"taboola","providerPageType":{"article":"auto"},"providerUrl":"//cdn.taboola.com/libtrc/businessinsider/loader.js","providerFlushValue":{"flush":true},"providerData":{"mode":"thumbs-1r","container":"taboola-below-main-column","placement":"below-main-column","onlyOn":"desktop","target_type":"mix"}}" data-load-strategy="content-wall-decision-lazy" > <section class="taboola-container targeted-recommended only-desktop taboola-below-main-column" id="taboola-below-main-column" data-e2e-name="taboola-below-main-column" data-track-event-label="rec-taboola-taboola-below-main-column" > </section> </vendor-taboola> <!-- Excluded mobile "taboola" --> </section> <sticky-footer-ad class="component sticky-footer-ad" data-offset-scroll-value="1" data-region="Mobile Sticky Lower" data-component-type="sticky-footer-ad" data-load-strategy="exclude" data-refresh-interval="" data-hide-when=".taboola-feed,footer,[data-is-interscroller]" > <div class="ad-close-icon" data-action="close" aria-label="Close this ad" > <div class="close-icon-circle"><svg class="svg-icon close-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" d="M21 5.394 18.606 3 12 9.606 5.394 3 3 5.394 9.606 12 3 18.606 5.394 21 12 14.394 18.606 21 21 18.606 14.394 12 21 5.394Z"/> </svg></div> </div> <div data-bi-ad id="gpt-post-education-mobile_sticky_lower-mobile-fluid-1" class="ad ad-wrapper fluid only-mobile" data-force="1" data-type="ad" data-adunit="businessinsider.mobile/post/adhesive/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Mobile Sticky Lower" data-responsive="[{"browserLimit":[0,0],"slotSize":[[320,50],[300,50],[320,100]]}]" data-tile-order="tile-0" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.mobile/post/adhesive/education","region":"Mobile Sticky Lower","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"adhesive","rawvert":""}" data-amazontamsizes="[[320,50],[300,50]]" data-enable-ad-refresher="true" data-refresh-count="0" data-prevent-resize-on-refresh="true" ></div> </sticky-footer-ad> </article> </div> </section> </section> <!-- Included desktop "rail" --> <aside class=" l-rightrail-default-image has-video-ad" id="l-rightrail" data-rail data-component-type="sticky-rail" > <section data-sticky-rail data-track-page-area="RR"> <div class="sticky-rail-ad-container container-0 sticky-rail-exclude-ad"> <div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad id="gpt-post-education-upper_300-desktop-fluid-1" class="ad ad-wrapper fluid only-desktop" data-force="1" data-type="ad" data-adunit="businessinsider.desktop/post/rail-1/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Upper 300" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],[300,600]]}]" data-tile-order="tile-0" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/rail-1/education","region":"Upper 300","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"rail-1","rawvert":""}" data-amazontamsizes="[[300,250],[300,600]]" data-not-lazy data-enable-ad-refresher="true" data-refresh-count="0" ></div> </div> </div> <div class="sticky-rail-ad-container container-video-ad sticky-rail-exclude-ad"> <div class="post-recommended-video" data-component-type="post-recommended-video" data-load-strategy="exclude"> <h3 class="display-xs">Recommended video</h3> <div id="primis-video-player" class="ad video-ad psuedo-ad " data-bi-ad> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-root-margin="250px 0px" data-only-on="desktop" data-consent="MARKETING" data-src="https://live.primis.tech/live/liveView.php?s=108184&kv_1=college%2Ceurope%2Ccollege-tuition%2Ccollege-debt%2Cuniversity&kv_2=education%2Ccollege-education%2Ccollege-planning%2Csecondary-education%2Ceducational-assessment%2Cstandardized-testing%2Cpostgraduate-education&kv_3=education&kv_7=critical_thinking%2Cempathy%2Cenjoyment%2Cfear%2Cinquisitiveness%2Cinspiration%2Coptimism%2Creflection&PRIMIS_AD_CONSENT&PRIMIS_DOUBLE_VERIFY" data-async="true" data-defer="true" ></div> </div> </div> </div> <div class="sticky-rail-ad-container container-1"> <div class="ad-callout-wrapper ad-label headline-medium only-desktop"> <div data-bi-ad id="gpt-post-education-bottom_300-desktop-fluid-1" class="ad ad-wrapper fluid only-desktop" data-force="" data-type="ad" data-adunit="businessinsider.desktop/post/rail-2/education" data-secvert="" data-tag="college,europe,college-tuition,college-debt,university" data-authors="erin-liam" data-region="Bottom 300" data-responsive="[{"browserLimit":[728,0],"slotSize":[[300,250],[2,2]]}]" data-tile-order="tile-1" data-url="/more-american-students-avoid-debt-studying-abroad-college-europe-2024-10" data-template="default" data-targeting="{"adunit":"businessinsider.desktop/post/rail-2/education","region":"Bottom 300","tag":"college,europe,college-tuition,college-debt,university","template":"default","dvp_spos":"rail-2","rawvert":""}" data-amazontamsizes="[[300,250],[2,2]]" data-enable-ad-refresher="true" data-refresh-count="0" ></div> </div> </div> </section> </aside> </section> </section> <div data-component-type="paywall" data-load-strategy="exclude"> </div> <div class="pw-modal-entry"></div> <div class="pw-modal-backdrop"></div> </section> <div data-notify-wrapper class="notify-wrapper"> <span data-notify-close class="notify-close icon-close"></span> <span class="icon-check"></span> <span data-notify-message class="notify-message"></span> </div> <div class="inline-backup-paywall mobile" data-component-type="inline-backup-paywall" style="display:none"> <span class="headline-semibold subscription-msg">This story is available exclusively to Business Insider subscribers. <a href="/subscription" class="subscription-link">Become an Insider</a> and start reading now.</span> <span class="headline-regular login-prompt">Have an account? <button class="login-prompt-btn">Log in</button>.</span> </div> <footer id="site-footer" class="footer headline-regular" data-component-type="footer" data-load-strategy="exclude" data-track-view="{"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"footer"}" > <section class="top-section"> <section class="sub-section-left"><a href="https://www.businessinsider.com" class="business-insider-logo footer-logo" title="Visit Business Insider" aria-label="Click to visit Business Insider" alt="Click to visit Business Insider" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 32 / 93)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/logos/stacked-black.svg' alt="Business Insider" /> <noscript> <img class="no-script" src="/public/assets/logos/stacked-black.svg" /> </noscript> </div></a></section> <section class="sub-section-right"> <section class="sub-section-social"> <div class="social-media-follow" data-e2e-name="social-links" data-track-click-shared="{"click_type":"owned_socials","element_name":"footer","event":"outbound_click"}" > <a class="social-link as-facebook" href="https://www.facebook.com/businessinsider" label="facebook" title="Follow us on Facebook" aria-label="Click to visit us on Facebook" data-track-click="{"click_text":"facebook"}" data-e2e-name="facebook" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-facebook-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Facebook" > <path fill="currentColor" d="M22 12.037C22 6.494 17.523 2 12 2S2 6.494 2 12.037c0 4.707 3.229 8.656 7.584 9.741v-6.674H7.522v-3.067h2.062v-1.322c0-3.416 1.54-5 4.882-5 .634 0 1.727.125 2.174.25v2.78a12.807 12.807 0 0 0-1.155-.037c-1.64 0-2.273.623-2.273 2.244v1.085h3.266l-.561 3.067h-2.705V22C18.163 21.4 22 17.168 22 12.037Z"/> </svg> </a> <a class="social-link as-x" href="https://x.com/businessinsider" label="x" title="Follow us on X" aria-label="Click to visit us on X" data-track-click="{"click_text":"x"}" data-e2e-name="x" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-x-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="X" > <path fill="currentColor" d="M17.751 3h3.067l-6.7 7.625L22 21h-6.172l-4.833-6.293L5.464 21h-3.07l7.167-8.155L2 3h6.328l4.37 5.752L17.75 3Zm-1.076 16.172h1.7L7.404 4.732H5.58l11.094 14.44Z"/> </svg> </a> <a class="social-link as-linkedin" href="https://www.linkedin.com/company/businessinsider/" label="linkedin" title="Follow us on LinkedIn" aria-label="Click to visit us on LinkedIn" data-track-click="{"click_text":"linkedin"}" data-e2e-name="linkedin" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-linkedin-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="LinkedIn" > <path fill="currentColor" fill-rule="evenodd" d="M4 2a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V4a2 2 0 0 0-2-2H4Zm4.339 4.606a1.627 1.627 0 1 1-3.254 0 1.627 1.627 0 0 1 3.254 0Zm-.221 2.867H5.13v9.335h2.988V9.473Zm4.517 0H9.662v9.335h2.943V13.91c0-2.729 3.461-2.982 3.461 0v4.9h2.849v-5.914c0-4.6-5.07-4.43-6.31-2.17l.03-1.252Z"/></svg> </svg> </a> <a class="social-link as-youtube" href="https://www.youtube.com/user/businessinsider" label="youtube" title="Follow us on YouTube" aria-label="Click to visit us on YouTube" data-track-click="{"click_text":"youtube"}" data-e2e-name="youtube" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-youtube-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="YouTube" > <path fill="currentColor" d="M11.732 5.5c.508.003 1.777.014 3.126.064l.478.019c1.358.06 2.715.16 3.388.333.898.232 1.604.91 1.842 1.77.38 1.364.427 4.026.433 4.67l.001.134v.153c-.007.644-.054 3.307-.434 4.671-.242.862-.947 1.54-1.842 1.77-.673.172-2.03.273-3.388.332l-.478.02c-1.349.05-2.618.06-3.126.063l-.223.001h-.242c-1.074-.006-5.564-.05-6.992-.417-.898-.232-1.603-.91-1.842-1.769-.38-1.364-.427-4.027-.433-4.671v-.286c.006-.645.053-3.307.433-4.672.242-.862.947-1.54 1.842-1.769 1.428-.366 5.918-.41 6.992-.416h.465ZM9.6 9.937v5.125l5.2-2.562-5.2-2.563Z"/></svg> </svg> </a> <a class="social-link as-instagram" href="https://www.instagram.com/businessinsider/" label="instagram" title="Follow us on Instagram" aria-label="Click to visit us on Instagram" data-track-click="{"click_text":"instagram"}" data-e2e-name="instagram" target="_blank" rel="noopener nofollow" > <svg class="svg-icon social-instagram-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" aria-labelledby="Instagram" > <path fill="currentColor" d="M7.858 2.07c-1.064.05-1.79.22-2.425.47-.658.256-1.215.6-1.77 1.156a4.899 4.899 0 0 0-1.15 1.772c-.246.637-.413 1.364-.46 2.429-.047 1.064-.057 1.407-.052 4.122.005 2.716.017 3.056.069 4.123.05 1.064.22 1.79.47 2.426.256.657.6 1.214 1.156 1.769a4.894 4.894 0 0 0 1.774 1.15c.636.245 1.363.413 2.428.46 1.064.046 1.407.057 4.122.052 2.715-.005 3.056-.017 4.123-.068 1.067-.05 1.79-.221 2.425-.47a4.901 4.901 0 0 0 1.769-1.156 4.9 4.9 0 0 0 1.15-1.774c.246-.636.413-1.363.46-2.427.046-1.067.057-1.408.052-4.123-.005-2.715-.018-3.056-.068-4.122-.05-1.067-.22-1.79-.47-2.427a4.91 4.91 0 0 0-1.156-1.769 4.88 4.88 0 0 0-1.773-1.15c-.637-.245-1.364-.413-2.428-.46-1.065-.045-1.407-.057-4.123-.052-2.716.005-3.056.017-4.123.069Zm.117 18.078c-.975-.043-1.504-.205-1.857-.34-.467-.18-.8-.398-1.152-.746a3.08 3.08 0 0 1-.75-1.149c-.137-.352-.302-.881-.347-1.856-.05-1.054-.06-1.37-.066-4.04-.006-2.67.004-2.986.05-4.04.042-.974.205-1.504.34-1.857.18-.468.397-.8.746-1.151a3.087 3.087 0 0 1 1.15-.75c.351-.138.88-.302 1.855-.348 1.054-.05 1.37-.06 4.04-.066 2.67-.006 2.986.004 4.041.05.974.043 1.505.204 1.857.34.467.18.8.397 1.151.746.352.35.568.682.75 1.15.138.35.302.88.348 1.855.05 1.054.062 1.37.066 4.04.005 2.669-.004 2.986-.05 4.04-.043.975-.205 1.504-.34 1.857a3.1 3.1 0 0 1-.747 1.152c-.349.35-.681.567-1.148.75-.352.137-.882.301-1.855.347-1.055.05-1.371.06-4.041.066-2.67.006-2.986-.005-4.04-.05m8.152-13.493a1.2 1.2 0 1 0 2.4-.003 1.2 1.2 0 0 0-2.4.003ZM6.865 12.01a5.134 5.134 0 1 0 10.27-.02 5.134 5.134 0 0 0-10.27.02Zm1.802-.004a3.334 3.334 0 1 1 6.667-.013 3.334 3.334 0 0 1-6.667.013Z"/> </svg> </a> </div> </section> <section class="sub-section-app-store"><div class="app-store-icons"> <a href="https://itunes.apple.com/app/apple-store/id554260576?mt=8" class="app-store-icon" target="_blank" rel="noopener nofollow" alt="Download the app on the App Store" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 40 / 135)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/badges/app-store-badge.svg' alt="Download on the App Store" /> <noscript> <img class="no-script" src="/public/assets/badges/app-store-badge.svg" /> </noscript> </div> </a> <a href="https://play.google.com/store/apps/details?id=com.freerange360.mpp.businessinsider" class="app-store-icon" target="_blank" rel="noopener nofollow" alt="Download the app on Google Play" > <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 40 / 135)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/badges/google-play-badge.svg' alt="Get it on Google Play" /> <noscript> <img class="no-script" src="/public/assets/badges/google-play-badge.svg" /> </noscript> </div> </a> </div></section> </section> </section> <section class="links-section"> <section class="sub-section-privacy"><div class="links-list-heading headline-semibold">Legal & Privacy</div> <ul class="links-list"> <li><a class="links-list-link" href="/terms">Terms of Service</a></li> <li><a class="links-list-link" href="/terms-of-sale">Terms of Sale</a></li> <li><a class="links-list-link" href="/privacy-policy">Privacy Policy</a></li> <li><a class="links-list-link" href="/accessibility">Accessibility</a></li> <li><a class="links-list-link" href="/code-of-ethics">Code of Ethics Policy</a></li> <li><a class="links-list-link" href="https://www.parsintl.com/publication/business-insider/">Reprints & Permissions</a></li> <li><a class="links-list-link" href="/disclaimer">Disclaimer</a></li> <li><a class="links-list-link" href="/advertising-policies">Advertising Policies</a></li> <li><a class="links-list-link" href="/conflict-of-interest-policy">Conflict of Interest Policy</a></li> <li><a class="links-list-link" href="/commerce-policy">Commerce Policy</a></li> <li><a class="links-list-link" href="/coupons-privacy-policy">Coupons Privacy Policy</a></li> <li><a class="links-list-link" href="/coupons-terms">Coupons Terms</a></li> </ul></section> <section class="sub-section-company"><div class="links-list-heading headline-semibold">Company</div> <ul class="links-list"> <li><a class="links-list-link" href="https://www.businessinsider.com/about-us">About Us</a></li> <li><a class="links-list-link" href="/work-with-us-2025-1">Careers</a></li> <li><a class="links-list-link" href="https://advertising.businessinsider.com/">Advertise With Us</a></li> <li><a class="links-list-link" href="/contact">Contact Us</a></li> <li><a class="links-list-link" href="/category/business-insider-press-room">Company News</a></li> <li><a class="links-list-link" href="/masthead">Masthead</a></li> </ul></section> <section class="sub-section-group"> <section class="sub-section-other"><div class="links-list-heading headline-semibold">Other</div> <ul class="links-list"> <li><a class="links-list-link" href="/sitemap/html/index.html">Sitemap</a></li> <li><a class="links-list-link" href="https://www.finanzen.net/">Stock quotes by finanzen.net</a></li> </ul></section> <section class="sub-section-editions"><div class="links-list-heading headline-semibold">International Editions</div> <ul class="links-list"> <li><a class="links-list-link" href="https://www.businessinsider.de/?IR=C">AT</a></li> <li><a class="links-list-link" href="https://www.businessinsider.de/?IR=C">DE</a></li> <li><a class="links-list-link" href="https://businessinsider.es/">ES</a></li> <li><a class="links-list-link" href="https://www.businessinsider.jp/">JP</a></li> <li><a class="links-list-link" href="https://www.businessinsider.nl/?IR=C">NL</a></li> <li><a class="links-list-link" href="https://www.businessinsider.com.pl/?IR=C">PL</a></li> </ul></section> </section> </section> <section class="copyright-section"><a class="copy-link" href="/terms">Copyright © 2025</a> Insider Inc. All rights reserved. Registration on or use of this site constitutes acceptance of our <a class="copy-link" href="/terms" data-e2e-name="footer-terms-of-service">Terms of Service</a> <span>and</span> <a class="copy-link privacy" href="/privacy-policy" data-e2e-name="footer-privacy-policy">Privacy Policy</a>.</section> <section class="bottom-section"> <section class="sub-section sub-section-top"><div class="brand-logo insider-com"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 103)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/insider-com-trademark-opt.svg' alt="Insider.com TM Logo" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/insider-com-trademark-opt.svg" /> </noscript> </div></div> <div class="brand-logo insider-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 17 / 100)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/Insider-logo-dark-opt.svg' alt="Insider" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/Insider-logo-dark-opt.svg" /> </noscript> </div></div> <div class="brand-logo brand-logo insider-inc"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 77)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/insider-inc.svg' alt="Insider-Inc Logo" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/insider-inc.svg" /> </noscript> </div></div> <div class="brand-logo insider-tech"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 44 / 103)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/Tech-Insider-opt.svg' alt="Tech Insider Logo" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/Tech-Insider-opt.svg" /> </noscript> </div></div></section> <section class="sub-section sub-section-bottom"><div class="brand-logo bi-de"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 32 / 151)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/DE/logos/BI-DE-Black-on-Light-final-footer-logo-opt.svg' alt="Business Insider DE Logo" /> <noscript> <img class="no-script" src="/public/assets/BI/DE/logos/BI-DE-Black-on-Light-final-footer-logo-opt.svg" /> </noscript> </div></div> <div class="brand-logo insider-media"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 36 / 70)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/insider-media.svg' alt="Insider Media Logo" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/insider-media.svg" /> </noscript> </div></div> <div class="brand-logo news-insider"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 36 / 62)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/news-insider.svg' alt="News Insider Logo" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/news-insider.svg" /> </noscript> </div></div> <div class="brand-logo silicon-alley-insider"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 36 / 150)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/INSIDER/US/logos/silicon-alley-insider.svg' alt="Silicon Alley Logo" /> <noscript> <img class="no-script" src="/public/assets/INSIDER/US/logos/silicon-alley-insider.svg" /> </noscript> </div></div></section> </section> </footer> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Futilities.6d50648d04beab0ec191.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Fvendors.bdc5721c5cc1e0c576a8.js%22%3E%3C%2Fscript%3E" });</script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "first-party", script: "%3Cscript%20async%20type%3D%22text%2Fjavascript%22%20src%3D%22%2Fscripts%2Fmain.ca20a3a8665461e5fe6a.js%22%3E%3C%2Fscript%3E" });</script> <!-- Comscore Identifier: comscorekw=education --> <noscript> <img src="https://sb.scorecardresearch.com/p?c1=2&c2=9900186&cv=3.6.0&;cj=1&comscorekw=education"/> </noscript> <script id="consent-manager-script">(()=>{var n={94456:(n,e,t)=>{"use strict";const o="/cross-domain"===window.location.pathname;const r=function(){if(!window.Fenrir.cm.usPrivacyApplies||o)return;const n=window.localStorage.getItem("fenrirConsentStatus");if("opt-out"===n&&!window.Fenrir?.cm?.userConsent)return;let{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:r,ANALYTICS:i,OPT_OUT:s}=window.Fenrir.cm.userConsent||{};if(!n||"opt-in"===n&&!window.Fenrir.cm.userConsent){e="ACCEPT",t="ACCEPT",r="ACCEPT",i="ACCEPT",s="DENY";const n={ESSENTIAL:e,MARKETING:t,PERSONALIZATION:r,ANALYTICS:i,OPT_OUT:s,STORAGE:"ACCEPT"};window.Fenrir.cm.userConsent=n,window.Fenrir.cm.storedConsent=n}const a=(n=>{const{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,OPT_OUT:i}=n;let s="ACCEPT"===e&&"ACCEPT"===t&&"ACCEPT"===o&&"ACCEPT"===r&&"DENY"===i;return"GPP"===window.Fenrir.privacyApi&&(s="ACCEPT"===t&&"DENY"===i),s?"opt-in":"opt-out"})(window.Fenrir.cm.userConsent);a!==n&&window.localStorage.setItem("fenrirConsentStatus",a)},i=async()=>{const n=localStorage.getItem("profile");if(!n)return;let e;try{e=JSON.parse(n)}catch{return}const t=e["https://insider/memberId"],o=e["https://insider/token"];if(!t||!o)return;const r=(n=>{const e={},t={MARKETING:"marketing",ANALYTICS:"analytics",PERSONALIZATION:"personalization",OPT_OUT:"optOut",STORAGE:"storage"};return Object.entries(n).forEach((n=>{let[o,r]=n;const i=t[o];i&&(r&&"accept"===r.toLowerCase()?e[i]=!0:e[i]=!1)})),e})(window.Fenrir?.cm?.userConsent||{}),{continentCode:i,countryCode:s}=window.Fenrir.geoData,a={...r,continentCode:i,countryCode:s};if("GPP"===window.Fenrir.privacyApi){const n=r.optOut;a.personalization=!n,a.storage=!n,a.analytics=!n}else"TCF"===window.Fenrir.privacyApi&&(a.optOut=!r.marketing);const c=localStorage.getItem("idun-consent-preferences");let w={};if(c)try{w=JSON.parse(c)}catch{}if(w.marketing!==a.marketing||w.analytics!==a.analytics||w.personalization!==a.personalization||w.optOut!==a.optOut||w.storage!==a.storage)try{(await fetch(`${window.Fenrir.config.idun}/v1.0/users/${t}/consent-preferences`,{method:"POST",headers:{"Content-Type":"application/json",Authorization:`Bearer ${o}`},body:JSON.stringify(a)})).ok&&localStorage.setItem("idun-consent-preferences",JSON.stringify(a))}catch(n){}};let s=!1;function a(){if(s)return;s=!0;const n=window.dataLayer||[],{privacyApi:e="GPP"}=window.Fenrir||{},t=window.Fenrir?.cm?.userConsent,o={event:"privacy",privacy_analytics:"ACCEPT"===t?.ANALYTICS,privacy_marketing:"ACCEPT"===t?.MARKETING,privacy_personalization:"ACCEPT"===t?.PERSONALIZATION,privacy_dns:"ACCEPT"===t?.OPT_OUT,privacy_storage:"ACCEPT"===t?.STORAGE};"TCF"===e&&(o.privacy_dns="N/A"),"GPP"===e&&(o.privacy_storage="N/A"),n.push(o),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"consentManager sendConsentDataToGA",consentData:o})}function c(){window.Fenrir.geoData?i():document.addEventListener("onGeoDataCaptured",(()=>{i()}))}t(61187),t(80845);const w="Sourcepoint Load - start",d="Sourcepoint Load - end sourcepoint",u="Sourcepoint Load - has consent",p="Sourcepoint Load - load queue consent";let l=!1,m=!1,C=!1;function f(){return m||l}function A(n){let e="ACCEPT",t="DENY";return!0===n&&(e="DENY",t="ACCEPT"),{OPT_OUT:t,MARKETING:e}}function T(n){const e="ACCEPT";let t="DENY",o="DENY",r="DENY";return n?(!0===n[3]&&!0===n[4]&&(t="ACCEPT"),!0===n[5]&&!0===n[6]&&(o="ACCEPT"),!0===n[8]&&!0===n[9]&&!0===n[10]&&(r="ACCEPT"),{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,STORAGE:"ACCEPT"}):{ESSENTIAL:e,MARKETING:t,PERSONALIZATION:o,ANALYTICS:r,STORAGE:"ACCEPT"}}function F(n){const{step:e,timeFromStart:t}=n;delete n.step,delete n.timeFromStart;const o={now:window.Fenrir.getTime(),step:e,timeFromStart:t,cmStarted:window.Fenrir.cm.cmStarted,usPrivacyApplies:window.Fenrir.cm.usPrivacyApplies,euPrivacyApplies:window.Fenrir.cm.euPrivacyApplies,windowLoaded:window.Fenrir.cm.windowLoaded,userConsent:window.Fenrir.cm.userConsent,storedConsent:window.Fenrir.cm.storedConsent,queueConsent:window.Fenrir.cm.queueConsent,...n};return o.timeFromStart||delete o.timeFromStart,o}function g(n){window.Fenrir.cm.storedConsent=n,window.Fenrir.cm.userConsent=n}function E(n){g(n),window.Fenrir.cm.cmStarted=!0,window.Fenrir.cm.loadQueueConsent();const e=new CustomEvent("onConsentReady",{detail:{consent:n,type:"update"}});document.dispatchEvent(e),r(),a(),c()}window.performance.mark(w),window.__tcfapi&&window.__tcfapi("addEventListener",2,(function(n,e){if(e&&n){if("cmpuishown"===n.eventStatus){window.Fenrir.console.info(F({step:"consentManager sp.getTCData cmpuishown"}));if(g(T(n.purpose?.consents||{})),!m){window.performance.mark(d);const n=window.performance.measure("load - sourcepoint",w,d);window.Fenrir.console.info(F({step:"consentManager europePrivacy.bannerShown",timeFromStart:n.duration}))}m=!0,window.Fenrir.cm.cmStarted=f(),window.Fenrir.cm.loadQueueConsent()}else if("useractioncomplete"===n.eventStatus||"tcloaded"===n.eventStatus){window.Fenrir.console.info(F({step:`consentManager sp.getTCData ${n.eventStatus}`}));const e=T(n.purpose?.consents);g(e),l||(window.performance.mark(u),window.performance.measure("consentManager europePrivacy.consentGiven",w,u)),l=!0,window.Fenrir.cm.cmStarted=f(),window.Fenrir.cm.loadQueueConsent();const t=new CustomEvent("onConsentReady",{detail:{consent:e,type:"update"}});document.dispatchEvent(t),r(),a(),c()}}else window.Fenrir.console.info(F({step:"consentManager sp.getTCData error",tcData:n}))})),window.__gpp&&window.__gpp("addEventListener",(function(n){if("sectionChange"===n.eventName){let e=!1;Object.keys(n.pingData.parsedSections).forEach((t=>{1===n.pingData?.parsedSections[t]?.SaleOptOut&&(e=!0)})),window.Fenrir.console.info(F({step:"consentManager gpp.sectionChange",data:n}));E(A(e))}else if("signalStatus"===n.eventName&&"disabled"===n.pingData?.cmpDisplayStatus){window.Fenrir.console.info(F({step:"consentManager gpp.signalStatus",data:n}));E(A(!1))}}));const S="GPP"===window.Fenrir?.privacyApi,y="TCF"===window.Fenrir?.privacyApi;window.Fenrir.cm={cmStarted:!1,windowLoaded:!1,usPrivacyApplies:S,euPrivacyApplies:y,onConsent:function(n){if("function"!=typeof n)throw new Error("method `onConsent` requires `callback` function");return document.addEventListener("onConsentReady",(e=>{window.Fenrir.console.info(F({step:"consentManager onConsentReady",event:e})),n(e.detail)})),n({consent:window.Fenrir.cm.storedConsent,type:"stored"})},requestConsent:function(n){const e=window.Fenrir.cm.storedConsent;window.Fenrir.cm.userConsent=e,window.Fenrir.console.info(F({step:"consentManager requestConsent",requestor:n}));const t=new CustomEvent("onConsentReady",{detail:{consent:window.Fenrir.cm.userConsent,type:"request",scope:n}});document.dispatchEvent(t)},loadQueueConsent:function(){if(window.Fenrir.console.info(F({step:"consentManager loadQueueConsent"})),!window.Fenrir.cm.windowLoaded||!window.Fenrir.cm.cmStarted||!window.Fenrir.cm.userConsent)return;let n;C||(window.performance.mark(p),n=window.performance.measure("queue load - sourcepoint",w,p)),C=!0,window.Fenrir.config.delayThirdPartyScripts=!1,window.Fenrir.console.info(F({step:"consentManager loadQueueConsent load scripts",timeFromStart:n?.duration}));let e=window.Fenrir.cm.queueConsent.length;for(;e;){const n=window.Fenrir.cm.queueConsent.shift();e=window.Fenrir.cm.queueConsent.length,"function"==typeof n&&n(),window.Fenrir.console.info(F({step:"consentManager loadQueueConsent script",queueLength:e}))}},getAdConsent:function(){function n(){let n=!0;return window.Fenrir.cm.usPrivacyApplies?n="ACCEPT"!==window.Fenrir.cm.userConsent.OPT_OUT:window.Fenrir.cm.euPrivacyApplies&&(n="DENY"!==window.Fenrir.cm.userConsent.MARKETING),n}return new Promise((e=>{if(window.Fenrir?.cm?.userConsent)e(n());else{const t=setTimeout((()=>e(!0)),3e3);document.addEventListener("onConsentSaved",(()=>{t&&clearTimeout(t),e(n())}))}}))},queueConsent:[],forceCMP:function(){const n="/your-privacy-choices"===window.location.pathname,e=navigator?.globalPrivacyControl;return n||e}()},window.Fenrir.console.info(F({now:window.Fenrir.getTime(),step:"consentManager starting...",tcfapi:window.__tcfapi})),r()},61187:()=>{window._sp_queue&&window._sp_queue.push((()=>{window._sp_.addEventListener("onMessageChoiceSelect",((n,e,t)=>{const o=window.dataLayer||[],r={storage:"n/a",marketing:"n/a",personalization:"n/a",analytics:"n/a"};let i={event:"privacy_center_engagement",element_name:"privacy_banner"};const s=n=>(i.action="save",Object.keys(r).forEach((e=>{r[e]=n})),{...i,...r});if("gdpr"===n){switch(t){case 11:i=s("on");break;case 12:i.action="click_to_preference_center";break;case 13:i=s("off")}o.push(i),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"privacy modal engagement dataLayer push",dataEvent:i})}}))}))},80845:()=>{if(window.Fenrir=window.Fenrir||{config:{}},!window.Fenrir.console){window.Fenrir.console={};const n=window.Fenrir?.config?.featureFlags?.logs||new URLSearchParams(document.location.search).has("logs");Object.entries(window.console).forEach((e=>{let[t,o]=e;"function"==typeof o&&(window.Fenrir.console[t]=n?o.bind(window.console):()=>{})}))}window.Fenrir.getTime||(window.Fenrir.getTime=function(){const n=new Date;function e(n){let e=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"00";return`${e}${n}`.slice(-e.length)}return`${e(n.getHours())}:${e(n.getMinutes())}:${e(n.getSeconds())}.${e(n.getMilliseconds(),"000")}`})}},e={};function t(o){var r=e[o];if(void 0!==r)return r.exports;var i=e[o]={exports:{}};return n[o](i,i.exports,t),i.exports}t.m=n,t.c=e,t.o=(n,e)=>Object.prototype.hasOwnProperty.call(n,e),(()=>{t.S={};var n={},e={};t.I=(o,r)=>{r||(r=[]);var i=e[o];if(i||(i=e[o]={}),!(r.indexOf(i)>=0)){if(r.push(i),n[o])return n[o];t.o(t.S,o)||(t.S[o]={});t.S[o];var s=[];return s.length?n[o]=Promise.all(s).then((()=>n[o]=1)):n[o]=1}}})();t(94456)})();</script><script id="script-loader-script">(()=>{var e={4462:(e,t,n)=>{"use strict";n(80845);const r={},i={sm:"0",smMax:"599px",md:"600px",mdMax:"959px",lg:"960px",lgMax:"1259px",xl:"1260px"};window.Fenrir?.viewVersion&&(i.mdMax="1007px",i.lg="1008px");const o={small:`(max-width:${i.smMax})`,medium:`(min-width:${i.md}) and (max-width:${i.mdMax})`,large:`(min-width:${i.lg}) and (max-width:${i.lgMax})`,xlarge:`(min-width:${i.xl})`},d={mobile:`(max-width:${i.smMax})`,tablet:`(min-width:${i.md}) and (max-width:${i.mdMax})`,desktop:`(min-width:${i.lg})`},a=e=>({get:()=>window.matchMedia(e).matches}),c=e=>({get:()=>Object.values(e).reduce(((t,n,r)=>(window.matchMedia(n).matches&&(t=`${Object.keys(e)[r]}`),t)),"")});Object.defineProperties({},{isSmall:a(o.small),isMedium:a(o.medium),isLarge:a(o.large),isXLarge:a(o.xlarge),current:c(o)}),Object.defineProperties({},{isMobile:a(d.mobile),isTablet:a(d.tablet),isDesktop:a(d.desktop),current:c(d)}),Object.defineProperties(r,{isMobile:a(`(max-width:${i.mdMax})`),isDesktop:a(d.desktop),deviceType:{get:()=>window.matchMedia(`(max-width:${i.mdMax})`).matches?"mobile":"desktop"},width:{get:()=>document.documentElement.clientWidth},height:{get:()=>document.documentElement.clientHeight}});(()=>{function e(e){const t=new RegExp(`(?:^|;)(?:[ s]*)(?:${e}=)([^;]+)`).exec(document.cookie);return t&&t[1]?t[1]:null}})();const s=function(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:"",t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"variant";const n=document.querySelector(`meta[name="ii-ab-test:${e}"]`);if(!n)return!1;const r=n.getAttribute("value");return[t].flat().includes(r)},l="testing"===window.Fenrir?.config?.context,w=window.Fenrir?.config?.shouldDeferScripts,p=3e3,m=document.querySelector("head");function u(e,t){e=decodeURIComponent(e);const n=document.createElement("div");n.innerHTML=e;const r=window.Fenrir?.privacyApi;window.Fenrir.cm.cmStarted||"NONE"!==r||(window.Fenrir.cm.cmStarted=!0);Array.prototype.slice.call(n.querySelectorAll("script")).forEach(((e,n)=>{let r=e;const{trackLoad:i=""}=r.dataset||{};try{const o=r&&r.dataset&&r.dataset.consent,d=()=>{r.textContent&&r.textContent.trim()?(r=document.createElement("script"),r.textContent=e.textContent,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadMethod: injectInlineScript",trackLoad:i,scriptIndex:t,script:r})):r.src&&(r=function(e,t){const n=document.createElement("script");let r,i,o;return Array.prototype.slice.call(e.attributes).forEach((e=>{const t=e.nodeName;let d=e.nodeValue;["id","src","async","defer"].includes(t)?(["async","defer"].includes(t)&&!d&&(d=1),n[t]=d):"data-track-load"===t?r=d:"data-request-consent"===t&&window.Fenrir?.config?.delayThirdPartyScripts?i=d||!0:"onload"===t?o=d:n.setAttribute(t,d)})),r&&(n.onerror=function(){window.Fenrir.trackedScripts.push({name:r,error:!0})}),n.onreadystatechange=function(e,t){if((t||!n.readyState||/loaded|complete/.test(n.readyState))&&(r&&window.Fenrir.trackedScripts.push({name:r,error:!1}),i&&window.Fenrir.cm&&window.Fenrir.cm.requestConsent(i),n.onreadystatechange=null,n.onload=null,o)){window.Fenrir.console.info({step:"scriptLoader.loadMethod: downloadScript.OnLoad",onloadCallback:o});const e=document.createElement("script");e.setAttribute("data-on-load-callback"),e.textContent=o,m.appendChild(e)}},n.onload=n.onreadystatechange,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadMethod: downloadScript",src:e.src,trackLoad:e.dataset.trackLoad,scriptIndex:t,script:e}),n}(r,t));const o=e.id||`inline-script-${t}-${n}`;r.setAttribute("data-script-id",o),window.setTimeout((()=>m.appendChild(r)),0)};if(o&&window.Fenrir.cm&&(!window.Fenrir.cm.windowLoaded||!window.Fenrir.cm.cmStarted||window.Fenrir.cm.euPrivacyApplies&&!window.Fenrir.cm.userConsent))return void window.Fenrir.cm.queueConsent.push((()=>{d()}));d()}catch(e){console.error(e)}}))}function f(e){e=e||"load";const t=window.allScripts.filter(((t,n)=>{if(Object.prototype.hasOwnProperty.call(t,"index")||(t.index=n),t.filtered)return!1;const i=t.type||"load",o=/data-only-on=['"]?(?<onlyOn>[A-Za-z\d\s-_]*)['"]?/gi.exec(decodeURIComponent(t.script)),d=o?.groups?.onlyOn;if(d&&d!==r.deviceType)return t.filtered=!0,!1;if(window.Fenrir.cm&&!window.Fenrir.cm.euPrivacyApplies){if("first-party"===e){if(i.indexOf("first-party")>=0)return t.filtered=!0,!0}else if(i.indexOf("first-party")<0)return t.filtered=!0,!0;return!1}const a=e===t.type;return a&&(t.filtered=!0),a}));window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.loadScriptLoaderScripts: filtered",loadScriptType:e,scripts:t,allScripts:window.allScripts}),t.forEach(((e,t)=>{e.loaded||(e.loaded=!0,l?u(e.script,t):setTimeout((()=>{u(e.script,e.index||t)}),0))}))}window.allScripts=window.allScripts||[],window.Fenrir.trackedScripts=[];let g=!1;const F=[];function y(e){if(window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.manageScriptTypeLoadOrder",scriptTypeToLoad:e}),"load"===e){if(g)return;return g=!0,f(e),void F.forEach(f)}g?f(e):F.push(e)}function h(){window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: load"}),y("load"),window.Fenrir.cm&&(window.Fenrir.cm.loadQueueConsent(),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.milestone: loadQueueConsent"}))}if(w){let e=!1;const t=()=>{if(window.Fenrir.cm&&(window.Fenrir.cm.windowLoaded=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: window.load"})),e)return;let t;if(e=!0,s("tti","v1")&&(t="requestIdleCallback"),s("tti","v2")&&(t="setTimeout"),s("tti","v3")&&(t="onLargestContentfulPaint"),s("tti","v4")&&(t="afterFirstPartyComplete"),navigator.connection){const{rtt:e,downlink:n}=navigator.connection;(e>200||n<5)&&(t=t||"onLargestContentfulPaint"),window.Fenrir.console.info({now:window.Fenrir.getTime(),rtt:e,downlink:n})}if(window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: first-party ",ttiTestType:t}),f("first-party"),t){if("requestIdleCallback"===t)r={timeout:p},"function"==typeof(n=h)&&("function"==typeof requestIdleCallback?requestIdleCallback(n,r):setTimeout(n,0));else if("setTimeout"===t)setTimeout(h,p);else if("onLargestContentfulPaint"===t)!function(e){"function"==typeof e&&("function"==typeof PerformanceObserver&&"function"==typeof LargestContentfulPaint?new PerformanceObserver((t=>{const n=t.getEntries(),r=n[n.length-1];window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: onLargestContentfulPaint",entry:r}),e({entry:r})})).observe({type:"largest-contentful-paint",buffered:!0}):setTimeout(e,p,{entry:void 0,fallback:!0}))}(h);else if("afterFirstPartyComplete"===t){let e=!1;document.addEventListener("loadDelayedOnLoadScripts",(()=>{e||(e=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedOnLoadScripts"}),h())}))}}else h();var n,r};window.addEventListener("load",t),"serviceWorker"in navigator&&("local"!==window.Fenrir.config.fenrirEnv?window.addEventListener("load",(()=>{window.Fenrir.console.info("Registering service worker"),navigator.serviceWorker.register("/service-worker.js")})):navigator.serviceWorker.getRegistrations().then((e=>{e.length&&e.forEach((e=>{window.Fenrir.console.info("Unregistering service worker"),e.unregister()}))})).catch((e=>{window.Fenrir.console.info("Error unregistering service worker",e)})))}let v=!1;document.addEventListener("loadDelayedFirstPartyScripts",(()=>{v||(v=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedFirstPartyScripts"}),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: gdpr-first-party"}),y("gdpr-first-party"))}));let x=!1;document.addEventListener("loadDelayedThirdPartyScripts",(()=>{x||(x=!0,window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.eventHandler: loadDelayedThirdPartyScripts"}),window.Fenrir.console.info({now:window.Fenrir.getTime(),step:"scriptLoader.triggered: gdpr"}),y("gdpr"),window.Fenrir.onloadDelayedThirdPartyScripts())}))},80845:()=>{if(window.Fenrir=window.Fenrir||{config:{}},!window.Fenrir.console){window.Fenrir.console={};const e=window.Fenrir?.config?.featureFlags?.logs||new URLSearchParams(document.location.search).has("logs");Object.entries(window.console).forEach((t=>{let[n,r]=t;"function"==typeof r&&(window.Fenrir.console[n]=e?r.bind(window.console):()=>{})}))}window.Fenrir.getTime||(window.Fenrir.getTime=function(){const e=new Date;function t(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:"00";return`${t}${e}`.slice(-t.length)}return`${t(e.getHours())}:${t(e.getMinutes())}:${t(e.getSeconds())}.${t(e.getMilliseconds(),"000")}`})}},t={};function n(r){var i=t[r];if(void 0!==i)return i.exports;var o=t[r]={exports:{}};return e[r](o,o.exports,n),o.exports}n.m=e,n.c=t,n.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),(()=>{n.S={};var e={},t={};n.I=(r,i)=>{i||(i=[]);var o=t[r];if(o||(o=t[r]={}),!(i.indexOf(o)>=0)){if(i.push(o),e[r])return e[r];n.o(n.S,r)||(n.S[r]={});n.S[r];var d=[];return d.length?e[r]=Promise.all(d).then((()=>e[r]=1)):e[r]=1}}})();n(4462)})();</script> <iframe src="about:blank" data-src="https://markets.businessinsider.com/cross-domain" data-load-strategy="disable-lazy" id="0-iframe" style="display:none" class="cross-domain" ></iframe> <iframe src="about:blank" data-src="https://my.businessinsider.com/cross-domain" data-load-strategy="disable-lazy" id="1-iframe" style="display:none" class="cross-domain" ></iframe> <div class="component password-creation style-loading" data-password-creation data-component-type="password-creation" data-load-strategy="exclude" data-load-markup="password-creation/template" > </div> <div class="jumper style-loading" data-component-type="jumper" data-load-strategy="exclude" > <p>Jump to</p> <ol> <li><a href="#post-headline">Main content</a></li> <li><a href="#search" data-jumper-target=".subnav-item-link.search" data-jumper-action="click">Search</a></li> <li><a href="#account" data-jumper-action="account">Account</a></li> </ol> </div> <div id="checkoutEntry" class="bifrost-entry full-screen hidden"></div> <div id="authEntry" class="bifrost-entry full-screen hidden"></div> <div id="dialogEntry" class="bifrost-entry full-screen hidden"></div> <div id="onboardingEntry" class="bifrost-entry full-screen hidden"></div> <div id="contentWallDrawerEntry" class="bifrost-entry bottom hidden"></div> <div id="appBannerEntry" class="bifrost-entry bottom hidden"></div> <noscript> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-MP6F46L" title="GTM" height="0" width="0" style="display:none;visibility:hidden" ></iframe> </noscript> </body> </html>