本研究以「臺灣高等教育整合資料庫」2006年畢業的女性大專生為分析對象，研究發現樣本中畢業生自評之過量教育與學非所用的比例分別高達46%與30%，有「教育⎯工作不相稱」情形者不在少數。本研究首先採用區間迴歸模型估算過量教育與學非所用者初進就業市場的薪資效果，在控制學校類型與工作特性之後，過量教育或學非所用兩者的薪資損失相近，約為9%。薪資也隨著過量教育與學用不符程度增加而減少。在控制薪資效果之後，以probit-adapted ordinary least squares（簡稱POLS）模型觀察其對工作滿意度的影響：過量教育者的工作滿意度仍低於適量教育者，但學用是否相關並不直接影響工作滿意度。相對於非常相稱者，「教育⎯工作不相稱」的畢業生除貨幣薪資的損失之外，將較低的工作滿意度換算為貨幣損失的代價也十分可觀。

This study analyzed female college graduates listed in the Taiwanese Integrated Higher Education Database, finding that 46% identified themselves as being over-educated for their current employment, and 30% as having jobs unrelated to their fields of study. This paper adopted the interval regression model to calculate salary effects. The empirical results indicated that wage losses arising from over-education or mismatches between jobs and education were similar, at around 9%. However, wage losses increased if the relatedness between work and college major was decreased. Furthermore, the POLS model was utilized to evaluate the impact of educational mismatch on job satisfaction. After controlling for wage effects, the negative effect of over-education on job satisfaction was greater than that of work-study unrelatedness. In fact, the degree of relatedness between work and college major did not directly affect levels of job satisfaction. Finally, compared with well-matched workers, samples of college graduates whose careers did not match their education suffered not only from salary losses but also substantial financial losses that could be inferred from lower job satisfaction.