the problem is not motivation, its saturation. the market is FULL of 4 year degrees and currently they're about as useful as a high school diploma was 15 years ago. As a result, people entering the job market with their BAs need to differentiate themselves by other means. This equates to internships and externships. The unsettling part bout internships is that typically, with the exception of the finance field, its hard to find a paid internship, and, in many cases, it is difficult to find an internship at all. This means that in order to get an internship and make some money, you need to have connections. The funny thing is that the people with connections are the people that typically could leech off of mumsy and daddikins and take the unpaid internship. This makes it difficult for people who don't have money to acquire an internship that won't leave them completely bereft of cash. What it also means is that if you're trying to hit college late in the game, you're screwed unless you have a pretty decent bank roll to live off of. 2 year degrees are essentially becoming useless as well. So where does this leave you?
Trade school. plumbers and electricians can pull in a better bank roll than a lot of college educated guys. Jobs like this are also very easy to turn into very profitable businesses as well by taking on other employees who are less motivated but are still hard workers. Or you can always opt to start a business. I know of a lot of uneducated guys who have started their own businesses and, again, make more money than people with degrees. Selling pools and spas tends to be very profitable seeing as how i know 3 guys with their own pool businesses that pull in over a half a million a year. If you're starting late, trade school and good old fashioned entrepreneurship are the way to go.
For you guys who are in college, your 4 year degree is not enough. Bust your asses to get internships or you'll be left in the dust. Network, network, and network some more. I've never interviewed for a single internship i've had and my internships were not shabby by any stretch of the imagination. If you are going into finance, get your mba or you'll be lucky to make more than 100k a year. another great way to distinguish yourself in finance is to get your CFAs taken care of. If you can knock out the first year of your CFAs before you graduate, you'll be leaps and bounds above your peers.
I personally was going to go into finance, saw all this crap coming and switched to medicine. So basically, i'll be a student until i'm 35 years old.