Want a four-year college degree? You're in for a massive load of debt, but studies show it's still worth the price tag, growing heftier by the year. The class of 2014 inherited the most debt of any graduating class, with new grads owing an average of $33,000 in student debt, the Wall Street Journal reported — but the education and what it promises are worth that sum, according to experts. The key, one expert told NBC News, is to graduate on time and to choose certain majors — STEM majors, that is, not majors in the humanities or the arts. Unemployment is highest among experienced workers with undergrad degrees in the arts, architecture and social work, one study found last month.