Which statement below best explains the propensity of otherwise sane adults to engage in expensive, time-consuming, life-interrupting, agony-inducing graduate studies.

A. The expected stream of future income changes due to the education makes the current pain worthwhile.

B. The interest rates on student loans are so low that the present value of education is lower than spending money on other pastimes such as going to movies or having a NetFlix subscription

C. Universities give guarantees that all graduates will have wonderful jobs and significant financial advantages stemming from their degree programs.

D. The cost and disruption associated with graduate education is largely offset by the pure joy of being able to take healthcare economics classes