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TIFU Advising My Cousin To Talk To His Alma Mater To Ask About Degree Pathways

I (25M, college-educated with a master's degree in CS) have a cousin (31M) who attended MCPHS between September 2013 and June 2019, took 12 full time semesters, had a cumulative GPA of ~3.0-3.3 before dropping out, and majored in Pharmacy with a minor in business. My cousin told me the program was 7 years long, and even though he had approximately 6 years worth of college credits given his full time status there (he even took some summer classes to retake some failed courses), he dropped out of MCPHS in June 2019, against his parents' wishes. He is saddled in 300k USD in student loans, of which he claimed he will never pay. He moved back to his parents' house in June 2019, where he slept in a six square metre bedroom he used to sleep in as a child, teen, and during summers outside of the school year. Since 2019, his whole extended family, including his parents, uncles, aunts, cousins, and younger sister (27F) advise him to return to college, contact them, and look into any pathways that might earn him a 4 year bachelor's degree given that there are many similarities between the first 4 years of pharmacy and say, something like pharmaceutical science or something. He completely refused to, saying that college is not worth it and graduate school is not only overrated, it is a complete scam (in his mind). Between the time he dropped out and about early 2020, he was job hunting, and his first job since dropping out of MCPHS was as a CMOP Packer/Shipper earning roughly 21 an hour. He landed the position in early 2020, but instead of consulting with his alma mater about fast degree pathways (given that he has 4-6 years of credits), he started thinking of another career plan. In late 2021, he pivoted from CMOP to trucking where he gained his CDL and started trucking as his full time job, earning 85k a year + 5k sign-on bonus in a 65hr workweek, which is still his main job. His parents felt like they lose face, seeing their son delve into this instead of spend a bit of time looking at degree pathways.

In 2023, I found out that my cousin's alma mater offered an intermediary degree called Bachelor of Science in Pharmacy and Life Sciences but my cousin refused to capitalize on it, even if it meant calling his alma mater, finding out which credits transfer and which don't, and possibly applying to his old alma mater and working on getting his degree credential (who knows if he even had to take any classes at all given the fact he has been in it for 6 years). My cousin's parents even applied for pharmaceutical sciences on his behalf to MCPHS and afterwards, they tried to talk with the admissions counselors, but so far, my cousin has been recalcitrant, and after he heard they applied him to college and used their own money, my cousin has been furious at his parents for forcing him to college. When his parents (along with I) explain to him that he may not even need to take courses and he may only need a few administrative steps, my cousin then blamed on me for wasting his time and "extorting" him. Even though this happened years ago, today, my cousin called me a "loser" and "whore" for trying to get him to go to college, even if it meant filling out some administrative forms. Funnily, whilst on the wheel, my cousin did day trading on Robinhood and despite him adding 250k, he depleted his account to 100k mainly due to risk aversion, only investing in BTC, ETH, SOL, WIF, and POPCAT, and having contrarian trading advice (he claimed if the price of BTC goes up, the ship has sailed and it is too late and he usually shorts during price rallies and longs during price plummeting). Even though semiconductors rallied up so quickly between March and June 2026, he completely scoffed at SOXL, NVIDIA, Micron, Intel, AMD, and SanDisk and missed out on a lot of potential gains, even though I gained tons of money myself via semiconductors. A few days ago, my cousin started filing for bankruptcy.

TL;DR: I feel like I F'ed up badly for advising him to look at degree pathways and if his credits could transfer to have at least some degree to have more job opportunities and openings.

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