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Twenty million students started college this fall, and this much is certain: The vast majority of them will be taking on debt — a lot of debt.

What's less certain is whether their degrees will pay off.

According to the survey Freelancing in America 2018, released Wednesday, freelancers put more value on skills training: 93 percent of freelancers with a four-year college degree say skills training was useful versus only 79 percent who say their college education was useful to the work they do now.

Image: Tony Talbot | AP - Students walk across campus at the University of Vermont in Burlington.