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    …We’re diving into student loans, college costs, and the job market
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                  <p>
                   3,500 Snackers told us how they see the value of a college degree
                  </p>
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                  Last Week’s Market Moves
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                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Dow Jones
                     <br/>
                     <span style="font-weight: 700;">
                      32,197
                      <span style="color: rgb(255, 80, 0);">
                       (-2.14%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     S&amp;P 500
                     <br/>
                     <span style="font-weight: 700;">
                      4,024
                      <span style="color: rgb(255, 80, 0);">
                       (-2.41%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Nasdaq
                     <br/>
                     <span style="font-weight: 700;">
                      11,805
                      <span style="color: rgb(255, 80, 0);">
                       (-2.80%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Bitcoin
                     <br/>
                     <span style="font-weight: 700;">
                      $29,994
                      <span style="color: rgb(255, 80, 0);">
                       (-16.75%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
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                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Dow Jones
                     <br/>
                     <span style="font-weight: 700;">
                      32,197
                      <span style="color: rgb(255, 80, 0);">
                       (-2.14%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     S&amp;P 500
                     <br/>
                     <span style="font-weight: 700;">
                      4,024
                      <span style="color: rgb(255, 80, 0);">
                       (-2.41%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
                  <tr>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Nasdaq
                     <br/>
                     <span style="font-weight: 700;">
                      11,805
                      <span style="color: rgb(255, 80, 0);">
                       (-2.80%)
                      </span>
                     </span>
                    </span>
                   </td>
                   <td>
                    <span class="text" style="font-family: 'Capsule Sans Text', Arial; font-size: 13px; line-height: 22px; padding: 0;">
                     Bitcoin
                     <br/>
                     <span style="font-weight: 700;">
                      $29,994
                      <span style="color: rgb(255, 80, 0);">
                       (-16.75%)
                      </span>
                     </span>
                    </span>
                   </td>
                  </tr>
                 </table>
                </td>
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                  <p>
                   <strong>
                    Hey Snackers,
                   </strong>
                  </p>
                  <p>
                   Something’s in the air this month: college graduation. The class of ’22 is entering a superstrong labor market during an exceptionally strange time. Stocks are plunging — the Dow just had its first seven-week losing streak since 2001 — and economic growth is slowing. But the US is adding jobs at a record rate.
                  </p>
                  <p>
                   We asked college students and grads about higher-ed costs and student loans — and what they think their degree is really worth. Let’s dive in.
                  </p>
                 </div>
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                  <strong>
                   Btw...
                  </strong>
                  Do you want to start getting Snacks daily? Or prefer to unsubscribe? Manage your subscription preferences
                  <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                   here
                  </a>
                  .
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                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
</td></tr></table><![endif]-->
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><![endif]-->
   <img alt="" border="0" height="1" src="https://inboxflows.com/_/image/http%253A%252F%252Fsg.robinhood.com%252Fwf%252Fopen%253Fupn%253Dq-2FZ-2F8R4uR3lRXK3PO4ZkVk-2BZt1SqpCIyBv-2FIozTjk2WWgeLVXC6xOljLLhLqd0rFZubN05Jf-2Fx-2B207RtWflP5RXP6CwE5trvL3fIvXO7lMkUIdzy0fb-2FfbQ1c5Mi3XEzaLyCDOPhXBhA1Mq8HCyl4xJytdHVhkP9J2Mr5FAIFBXBAu7V0n3xczoEO14q7SjQkhzM0RraD7bjR5WKOW8eFBlZC0iHHahpzOuKXO5CU7rQhxiulVlx-2FoCwUkerSVHQAUhSfCot2t1yps7aJea8diyiWlZIxHNFEJtHakF3gTYaSudWR4UG1KwRhwmeMWGoSgBJpiKhXHEEdxLCdJV-2Bj19lIzHzoSrHoofbIxxQJTE-3D/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRnNnLnJvYmluaG9vZCJ9:1nqZdT:9NseJNRqka2U05QdC17CvRaLR-M6thCMUIfRMVzMBg8" style="height:1px !important;width:1px !important;border-width:0 !important;margin-top:0 !important;margin-bottom:0 !important;margin-right:0 !important;margin-left:0 !important;padding-top:0 !important;padding-bottom:0 !important;padding-right:0 !important;padding-left:0 !important;" width="1"/>
   <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:600px;" width="600" bgcolor="rgb(255, 255, 255)" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:0 10px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:15px;text-align:left;color:#000000;">
                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   ROI
                  </div>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:600px;" width="600" bgcolor="rgb(255, 255, 255)" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:0 10px 20px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook article-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column article" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="left" class="type-no-paragraph-margins" style="font-size:0px;padding:0;padding-top:24px;padding-bottom:12px;word-break:break-word;">
                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   The cost of admission: up and to the right
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The status…
                   </strong>
                   is
                   <em>
                    pricey
                   </em>
                   . In two-thirds of developed countries, college is
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    free
                   </a>
                   or less than $2K a year. In the US, private college
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    costs
                   </a>
                   $38K a year, on average, and public schools cost $23K out of state and $10K in state. The cost of college has
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    tripled
                   </a>
                   since 1980, while average pay for young workers is up just 20% since then. Still, many undergrads go into debt for degrees, since grads earn $1M more over their careers than non-grads. But students are reconsidering college’s value: in the past two years, US enrollment dipped 7% as more
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    choose
                   </a>
                   to “earn over learn.”
                  </p>
                  <p>
                   <strong>
                    Snackers say:
                   </strong>
                  </p>
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    “Spending more money doesn’t always mean getting more in return… Going to college taught me that spending ‘the big bucks’ on something people traditionally value won’t always pay off.” —
                    <em>
                     Isabelle, 27
                    </em>
                   </li>
                   <li style="margin-bottom: 12px;">
                    “My university BA in psychology was rewarding… and was very overpriced. My community-college AS in nursing was exponentially more financially valuable, but less fun.” —
                    <em>
                     Brad, 32
                    </em>
                   </li>
                  </ul>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;padding-top:18px;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:700;letter-spacing:0.5px;line-height:0;text-align:left;color:#000000;">
                  <table>
                   <tbody>
                    <tr>
                     <td style="padding: 0 8px 0 0; height: 17px;">
                      <img height="17px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.robinhood.com%252Fmarketsnacks_assets%252Fv2%252Ftakeaway-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4ucm9iaW5obyJ9:1nqZdT:TC13dkeaVa-bsjZ8dW_YnC7j5AbsIkWknRcAjqbHeps" width="17px"/>
                     </td>
                     <td style="font-weight: 700; width: 100%; padding: 0; height: 17px; line-height: 0; padding-top: 1px;">
                      THE TAKEAWAY
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The outlook…
                   </strong>
                   is shifting. President Biden
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    campaigned
                   </a>
                   to make public college free in the US. Now that his Build Back Better bill is stalled that’s… not likely. Meanwhile, schools are making class less costly to woo students: Columbia University recently nixed tuition for kids whose families make less than $150K/year, and Utica College is one of several schools exploring cheaper three-year degrees. College alternatives like coding bootcamp
                   <strong>
                    General Assembly
                   </strong>
                   also offer new ways to pay, like income-share agreements (ISAs) that charge a % of earnings once grads land jobs (alums work at
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Google
                    </a>
                   </strong>
                   and
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     JPMorgan
                    </a>
                   </strong>
                   ).
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
</td></tr></table><![endif]-->
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:600px;" width="600" bgcolor="rgb(255, 255, 255)" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:0 10px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:15px;text-align:left;color:#000000;">
                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   Hired
                  </div>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:600px;" width="600" bgcolor="rgb(255, 255, 255)" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:0 10px 20px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook article-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column article" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
              <tbody>
               <tr>
                <td align="left" class="type-no-paragraph-margins" style="font-size:0px;padding:0;padding-top:24px;padding-bottom:12px;word-break:break-word;">
                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   The labor market: opportunity knocking
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The status…
                   </strong>
                   is green. On paper, it couldn't be a better time to land your first job. The US is experiencing basically full employment. Last month the US
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    added
                   </a>
                   428K jobs, leaving a
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    record
                   </a>
                   12M “help wanted” signs unfilled. That’s good news for college seniors, since employers plan to hire over a
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    quarter
                   </a>
                   more graduates this May compared with last year. They’ll be making an average starting salary of $55K, but the return on (degree) investment tends to vary (comp-sci majors are starting at $72K, English majors at $49K).
                  </p>
                  <p>
                   Nearly two-thirds of all public bachelor's degree programs leave graduates able to earn enough to cover the cost of college within a decade. But for recent grads, a
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    survey
                   </a>
                   found more than half don’t end up working in their field of study — and nearly half live paycheck to paycheck.
                  </p>
                  <p>
                   <strong>
                    SnackStat:
                   </strong>
                   <em>
                    78% of Snackers said they felt “fairly confident” or “very confident” about their job prospects as college students or recent grads.
                   </em>
                  </p>
                  <p>
                   <strong>
                    Snackers say:
                   </strong>
                  </p>
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    “There are a lot of jobs you can’t even interview for unless you have a degree. Having it helps get your foot in the door.” —
                    <em>
                     Jennifer, 33
                    </em>
                   </li>
                   <li style="margin-bottom: 12px;">
                    “Growing up, degrees were the key to getting a ‘good job.’ While I do think it is valuable, it’s not at the rate of what I am paying.” —
                    <em>
                     Thomas, 42
                    </em>
                   </li>
                  </ul>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;padding-top:18px;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:700;letter-spacing:0.5px;line-height:0;text-align:left;color:#000000;">
                  <table>
                   <tbody>
                    <tr>
                     <td style="padding: 0 8px 0 0; height: 17px;">
                      <img height="17px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.robinhood.com%252Fmarketsnacks_assets%252Fv2%252Ftakeaway-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4ucm9iaW5obyJ9:1nqZdT:TC13dkeaVa-bsjZ8dW_YnC7j5AbsIkWknRcAjqbHeps" width="17px"/>
                     </td>
                     <td style="font-weight: 700; width: 100%; padding: 0; height: 17px; line-height: 0; padding-top: 1px;">
                      THE TAKEAWAY
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The outlook…
                   </strong>
                   is unclear. Even though companies like
                   <strong>
                    <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                     Starbucks
                    </a>
                   </strong>
                   pay extra so that you'll make rush-hour lattes, overall wages aren't keeping up with inflation. Many students feel
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    that
                   </a>
                   tacking on two years (or more) for grad school is the cost of doing biz to land a competitive role in certain fields. The value of that extra degree is mixed: while master’s degree holders can
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    make
                   </a>
                   20% more than those with a bachelor’s, employability (aka: the odds of getting hired)
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    increases
                   </a>
                   only by 3%. Plus, more school means more tuition: nearly half of federal student-loan debt comes from postgrad for master’s and Ph.D. programs.
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
</td></tr></table><![endif]-->
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </div>
        <!--[if mso | IE]></td></tr></table><![endif]-->
       </td>
      </tr>
     </tbody>
    </table>
   </div>
   <!--[if mso | IE]></td></tr></table><table align="center" border="0" cellpadding="0" cellspacing="0" class="" style="width:600px;" width="600" bgcolor="rgb(255, 255, 255)" ><tr><td style="line-height:0px;font-size:0px;mso-line-height-rule:exactly;"><![endif]-->
   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
    <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);width:100%;">
     <tbody>
      <tr>
       <td style="direction:ltr;font-size:0px;padding:0 10px;text-align:center;">
        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
        <div class="mj-column-per-100 mj-outlook-group-fix column" style="font-size:0px;text-align:left;direction:ltr;display:inline-block;vertical-align:top;width:100%;">
         <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
          <tbody>
           <tr>
            <td style="vertical-align:top;padding:0;">
             <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
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                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   Interest
                  </div>
                 </div>
                </td>
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              </tbody>
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            </td>
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          </tbody>
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        </div>
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       </td>
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   <div style="background:rgb(255, 255, 255);background-color:rgb(255, 255, 255);margin:0px auto;max-width:600px;">
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                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  <p>
                   Student debt: forgive and forget?
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The status…
                   </strong>
                   is spiraling. Colleges raise prices, lenders dole out aid, and colleges raise prices (again). For decades, tuition increases have
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    outpaced
                   </a>
                   household incomes, forcing families to rely on loans. Today, two-thirds of college students graduate with debt, which typically takes
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    17 years
                   </a>
                   to pay off. The average loan balance at graduation has tripled since the ’90s to more than
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    $30K
                   </a>
                   — and nearly a tenth of borrowers owe more than
                   <em>
                    $100K
                   </em>
                   . To help relieve the burden, Biden pledged to make at least some college free, and promised at least $10K in loan forgiveness for each borrower. So far, his admin has forgiven $17B worth of federal student debt for 675K borrowers — a fraction of the
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    $1.7T
                   </a>
                   in student loans Americans owe.
                  </p>
                  <p>
                   <strong>
                    SnackStat:
                   </strong>
                   <em>
                    65% of Snackers said their college degree was “fairly valuable” or “very valuable” relative to their tuition investment. A quarter said it wasn’t “particularly valuable,” and 9% said it was “worthless.”
                   </em>
                  </p>
                  <p>
                   <strong>
                    Snackers say…
                   </strong>
                  </p>
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    “I made six figures straight out of college. If you are going to college to be a librarian, the 100K in student loans are probably not worth it.” —
                    <em>
                     Zack, 37
                    </em>
                   </li>
                   <li style="margin-bottom: 12px;">
                    “If I could go back, I wouldn’t do it. I would tell my children not to go to college, and get a technical job.” —
                    <em>
                     Mikayla, 28
                    </em>
                   </li>
                  </ul>
                 </div>
                </td>
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                <td align="left" style="font-size:0px;padding:0;padding-top:18px;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:700;letter-spacing:0.5px;line-height:0;text-align:left;color:#000000;">
                  <table>
                   <tbody>
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                     <td style="padding: 0 8px 0 0; height: 17px;">
                      <img height="17px" src="https://inboxflows.com/_/image/https%253A%252F%252Fcdn.robinhood.com%252Fmarketsnacks_assets%252Fv2%252Ftakeaway-black.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZjZG4ucm9iaW5obyJ9:1nqZdT:TC13dkeaVa-bsjZ8dW_YnC7j5AbsIkWknRcAjqbHeps" width="17px"/>
                     </td>
                     <td style="font-weight: 700; width: 100%; padding: 0; height: 17px; line-height: 0; padding-top: 1px;">
                      THE TAKEAWAY
                     </td>
                    </tr>
                   </tbody>
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                 </div>
                </td>
               </tr>
               <tr>
                <td align="left" style="font-size:0px;padding:0;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <p>
                   <strong>
                    The outlook…
                   </strong>
                   is mixed. This month, the Education Department said it’s forgiving loans of more than 110K government workers (think: teachers, firefighters). But the rest of debt holders aren’t so lucky, since Biden’s blanket loan-forgiveness promise isn’t panning out. Still, the pause on student loans has now been extended six times since March 2020, saving borrowers $1.5B a month in interest payments alone. Payments are set to resume in September, and if nothing changes, student debt could top
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    $3T
                   </a>
                   by 2035.
                  </p>
                 </div>
                </td>
               </tr>
               <tr>
                <td align="center" class="light" style="font-size:0px;padding:10px 25px;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-break:break-word;">
                 <p style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:100%;">
                 </p>
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</td></tr></table><![endif]-->
                </td>
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              </tbody>
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            </td>
           </tr>
          </tbody>
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       </td>
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     <tbody>
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        <!--[if mso | IE]><table role="presentation" border="0" cellpadding="0" cellspacing="0"><tr><td class="column-outlook" style="vertical-align:top;width:580px;" ><![endif]-->
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              <tbody>
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                 <div style="font-family:'Capsule Sans Text', Arial;font-size:13px;line-height:15px;text-align:left;color:#000000;">
                  <div style="font-family: 'Capsule Sans Text', Arial; font-weight: 700; letter-spacing: 0.03em; text-transform: uppercase; color: #000000; padding: 6px 19px; border-radius: 30px; border: 0; background-color:rgb(195, 245, 60); display: inline-block;">
                   ICYMI
                  </div>
                 </div>
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        </div>
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   </div>
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                  <p>
                   Last week's highlights...
                  </p>
                 </div>
                </td>
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                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Contagion
                     </a>
                     :
                    </strong>
                    Nearly $500B was wiped off the crypto market last week as volatility has investors turning risk-averse. Not even some so-called stablecoins appear safe.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Bottle
                     </a>
                     :
                    </strong>
                    A baby-formula shortage is forcing worried parents to ration supplies or drive hours in search of the powdered gold. The root cause: US import limits.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Med
                     </a>
                     :
                    </strong>
                    The feds subpoenaed mental-health startup
                    <strong>
                     Cerebral
                    </strong>
                    over its prescription practices for pills like Adderall and Xanax, a sign regulators may rein in telemedicine.
                   </li>
                  </ul>
                 </div>
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                 </p>
                 <!--[if mso | IE]><table align="center" border="0" cellpadding="0" cellspacing="0" style="border-top:solid 1px #e3e9ed;font-size:1px;margin:0px auto;width:580px;" role="presentation" width="580px" ><tr><td style="height:0;line-height:0;"> &nbsp;
</td></tr></table><![endif]-->
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                 <div style="font-family:'Nib Pro', Arial;font-size:24px;font-weight:600;line-height:32px;text-align:left;color:#000000;">
                  What else we're Snackin'
                 </div>
                </td>
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                <td align="left" style="font-size:0px;padding:0;padding-top:12px;word-break:break-word;">
                 <div style="font-family:'Capsule Sans Text', Arial;font-size:15px;font-weight:400;letter-spacing:-0.1px;line-height:24px;text-align:left;color:#000000;">
                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Circus
                     </a>
                     :
                    </strong>
                    Elon Musk put his
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Twitter
                     </a>
                    </strong>
                    takeover “on hold,” questioning the prevalence of bots, and the stock tanked. He said he’s still “committed” to the deal, but not everyone’s so sure.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Downsize
                     </a>
                     :
                    </strong>
                    Tech companies are laying off workers while the rest of the labor market thrives. As investors sour on high-growth stocks, Big Tech is downsizing.
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Irreplaceable
                     </a>
                     :
                    </strong>
                    <strong>
                     <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                      Goldman Sachs
                     </a>
                    </strong>
                    says stars like Beyoncé are the ultimate recession-proof play: consumers will keep spending on certain delights (like concerts) even in a downturn.
                   </li>
                  </ul>
                 </div>
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            </td>
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                  Want your Snacks daily?
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                     <td style="font-weight: 700; width: 100%; padding: 0; line-height: 0; vertical-align: middle; padding-top: 1px;">
                      The Daily Newsletter
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                  Get fresh takes on financial news every week day. Try a sample:
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                  <p>
                   🫧
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    Crypto, untethered
                   </a>
                   • May 13, 2022
                   <br/>
                   ⛰️
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    Inflation’s peak?
                   </a>
                   • May 12, 2022
                   <br/>
                   🪙
                   <a rel="noopener" style="color: rgb(0, 200, 5); text-decoration: underline; font-weight: bold; text-decoration-thickness: 2px; text-underline-offset: 1px;" target="_blank">
                    Unstablecoins
                   </a>
                   • May 11, 2022
                  </p>
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                  Snack Fact Of the Day
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                  It takes college grads an average of three to six months to find a job after school
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                  This Week
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                  <ul style="padding-left: 18px;">
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Monday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Ryanair
                    </strong>
                    ,
                    <strong>
                     Take-Two Interactive
                    </strong>
                    ,
                    <strong>
                     Tencent Music
                    </strong>
                    ,
                    <strong>
                     BuzzFeed
                    </strong>
                    ,
                    <strong>
                     Clear Secure
                    </strong>
                    ,
                    <strong>
                     Wix
                    </strong>
                    ,
                    <strong>
                     Monday.com
                    </strong>
                    , and
                    <strong>
                     Warby Parker
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Tuesday:
                    </strong>
                    The Cannes Film Festival begins. Earnings expected from
                    <strong>
                     Walmart
                    </strong>
                    ,
                    <strong>
                     Home Depot
                    </strong>
                    ,
                    <strong>
                     JD.com
                    </strong>
                    ,
                    <strong>
                     The Container Store
                    </strong>
                    , and
                    <strong>
                     On Running
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Wednesday:
                    </strong>
                    Earnings expected from
                    <strong>
                     The TJX Companies
                    </strong>
                    ,
                    <strong>
                     Target
                    </strong>
                    ,
                    <strong>
                     Lowe’s
                    </strong>
                    , and
                    <strong>
                     Cisco
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Thursday:
                    </strong>
                    Jobless claims. Golf’s PGA Championship. Earnings expected from
                    <strong>
                     Bath &amp; Body Works
                    </strong>
                    ,
                    <strong>
                     Ross
                    </strong>
                    ,
                    <strong>
                     Grab
                    </strong>
                    ,
                    <strong>
                     BJ’s
                    </strong>
                    ,
                    <strong>
                     Kohl's
                    </strong>
                    , and
                    <strong>
                     Palo Alto Networks
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     Friday:
                    </strong>
                    Earnings expected from
                    <strong>
                     Deere &amp; Co.
                    </strong>
                    ,
                    <strong>
                     Foot Locker
                    </strong>
                    , and
                    <strong>
                     Booz Allen Hamilton
                    </strong>
                   </li>
                   <li style="margin-bottom: 12px;">
                    <strong>
                     The weekend:
                    </strong>
                    The Preakness Stakes is Saturday. The World Economic Forum starts Sunday.
                   </li>
                  </ul>
                  <p>
                   Authors of this Snacks own: bitcoin and ethereum and shares of Clear Secure, Google, Starbucks, Walmart, and Twitter
                  </p>
                  <p>
                   ID: 2202491
                  </p>
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                  Robinhood Snacks newsletters reflect the opinions of only the authors who are associated persons of Robinhood Financial LLC (Member
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