What’s the incentive in pursing a doctoral program? Maybe a MSN... Yes, I’m a millennial and I have too much in student loans and to not be adequately financially compensated for any additional degrees that I obtain makes it not worth it. I currently have a BSN, and I’m in a FNP program and still hoping I’ll make more money to be able to pay off these loans. Yes, it’s not all about the money. I know, but my whole generation is screwed due to our previous generation. We got bills people! College cost what $50-100/semester in their time. Would love to show you my bill this past semester. Let’s face it, employers aren’t paying enough and nurses have the cards to just leave when they want to due to poor administration.