I like how you talk about "achieving" and "under achievers". I would argue that anybody paying to work effectively labels himself an underachiever.
The above quote was taken from ant1's link to the other thread. Imagine the conversation with your debt councillor:
'I owe £40,000 after my ATPL training, what should I do?'
'Have you got a job?'
'No'
'Well, got one'
Well, I could get a job, but it won't be the one I want. How about I borrow another £25,000 to improve my CV?
'Will it guarentee you the job you want?'
'Errr, no'.
'Then that's a stupid idea'.
'Yeah, but I want an airline job'.
It's still a bloody stupid idea'.
'Yeah, maybe, I think I'll do it anyway'
'You *&%$*&£"! You don't need my help, you need a shrink!