The TRUTH About PhD Degrees...

Is a PhD (Doctor of Philosophy) worth it from a personal finance perspective? Does it depend on the major? Is this college degree worth going to university for a decade and going deep in student loan debt?

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Sources and further readings for jobs and college degrees:
bls.gov(bureau of labor statistics)
nces.ed.gov(national center for educational statistics)
payscale(provides information on jobs and degrees)
https://medium.economist.com/why-doing-a-phd-is-often-a-waste-of-time-349206f9addb
https://finishyourthesis.com/worth-getting-your-phd-degree/#:~:text=Money%20may%20be%20tight%20while,with%20just%20a%20master's%20degree.
http://100rsns.blogspot.com/
https://www.cbsnews.com/news/12-reasons-not-to-get-a-phd/#:~:text=1.,well%20into%20establishing%20themselves%20professionally.
https://nces.ed.gov/programs/coe/pdf/coe_tub.pdf
https://www.theatlantic.com/business/archive/2014/01/phd-programs-have-a-dirty-secret-student-debt/283126/
https://www.kiplinger.com/slideshow/business/t012-s001-5-advanced-degrees-still-worth-the-debt/index.html
https://docs.google.com/spreadsheets/d/1GdWJxEuPL-MA_YNrw1Sb8DZxdB3X6H4fNXuzJUNa_xg/edit#gid=0