Home
/
RELIGION & LIBERTY ONLINE
/
How I Solve the Crisis in Underemployment and Student Loan Debt for Liberal Arts Majors
How I Solve the Crisis in Underemployment and Student Loan Debt for Liberal Arts Majors
Mar 14, 2026 4:21 PM

In his article today Anthony Bradley asks, “When Did College Education Reduce To Making Money?”

Our country’s narcissistic materialism has created a neurotic obsession with disparities between the es of individuals resulting in an overall devaluing of the learning goals and es of what colleges exist to plish. There is a major disconnect here. I wonder if this explains why many parents do not want their children studying the humanities in college.

While pletely agree with Anthony about what the purpose of college should be (“a place where men and women are educated and formed into more virtuous citizens”), I think he’s overlooking how we got into this situation: College is priced like a luxury good but treated as a prerequisite for most forms of employment.

Unfortunately, the types of degrees that best fulfill the primary function of a college (e.g., liberal arts) are also the most likely to lead to underemployment.

A couple of years ago, Andy Whitman wrote an article for Image, “Starbucks and the Liberal Arts Major”, that highlighted the problem:

There was a time, as recently as the mid-1970s, when I was earning liberal arts degree number one in creative writing, when the conventional wisdom held that the mere possession of a college degree opened up shining vistas of middle-class respectability and privilege. You might not get rich, but you could buy a tract home in the suburbs and vacation at Myrtle Beach.

Now a college degree—at least a liberal arts college degree—will get you a barista job at Starbucks.

The cost of education has risen astronomically, and the value of that education, at least in terms of potential earning power, is more suspect and dubious than ever.

Question: how many lattes do you have to serve to pay off a $100,000 student loan? Answer: It’s a trick question. You’ll never pay off a $100,000 student loan making $7.00 per hour. A collection agency will repossess your iPhone, MacBook, guitar and Toyota Prius. It would repossess your tattoos if it could. You will end up living in your parents’ basement. I assure you that this is a prospect that frightens children and parents alike.

One quibble I have with Whitman is the idea that college graduates have $100,000 in student loan debt. The average debt is only – only! — $35,200. But that still takes a long time to pay off.

Let’s assume a recent grad makes $10 an hour for 40 hours a week, a weekly gross of $400. Once we deduct for FICA ($33.82), Social Security ($24.80), Medicare ($5.80), and state tax ($13.62 in AK), their net pay would be $321.96 or $1,384.42 a month. Let’s also assume they want to pay their debt off in 5 years. Without including interest, their monthly payment would be $797.76. The payment on their student loan would consume 58% of their take-home pay. No wonder they’re living in their parent’s basement.

How can parents encourage their children to pursue their passion without burying them in debt? I think I have a solution: a homeschooling co-op for college-age liberal arts students.

Here’s how it would work: Instead of taking a part-time job making coffee, newly minted liberal arts graduates with BAs/MAs/PhDs would be hired as tutors making the same pay they’d get at their local Starbucks. For example, a lead barista in Washington, D.C. makes on average $8.86 an hour. So a tutor in the D.C. area would charge $8.86 per hour for their services.

Rather than paying tuition at a four-year college (average: $13,600 at public institutions, $36,300 at private not-for-profit institutions), students interested in getting a liberal arts education would simply pay tutors to teach them what they want to learn. For instance, if a student in the D.C. area wants to take the equivalent of 10 college classes a year (30 credit hours), they would pay the tutors the Starbucks rate ($8.86 per hour) for the equivalent classroom time (480 hours). The out-of-pocket “tuition” for this student would be $4,253 — an average savings of $9,347/$32,047 a year.

The single biggest drawback is that at the end of four years of tutoring the student won’t have a college degree in the liberal arts. But so what? If the purpose of getting a liberal arts education is to get an education, then why do you need a diploma? Is it needed to get one of the non-existent jobs that a liberal arts degree will help you land?

If the piece of paper is necessary then the student can supplement their education by getting a degree in a vocational trade or practical subject like business, accounting, or medical assisting. It may take them a bit longer to pursue both tutoring and vo-tech classes, but they were probably going to spend 6-8 years in college and graduate school anyway.

Still, there seems to be something missing, doesn’t there? If a liberal arts degree were really about getting a liberal arts education than this proposal would monsensical. So why doesn’t is seem more appealing?

I believe the reason is that many Americans (at least those of us who would get a liberal arts degree) want to be able to pursue our own peculiar interest, get a piece of paper that testifies to our plishments, and to have the job market reward us for our choice.

It seems almost unfair that the only work our B.A. in Medieval philosophy qualifies us for involves grinding Arabica beans. Indeed, a liberal arts education seems to be useless in helping us answer one of life’s most important questions: Why can’t we have everything we want in just the way we want it?

Comments
Welcome to mreligion comments! Please keep conversations courteous and on-topic. To fosterproductive and respectful conversations, you may see comments from our Community Managers.
Sign up to post
Sort by
Show More Comments
RELIGION & LIBERTY ONLINE
Doubt and certainty about spiritual realities
This Live Science article, “How Children Learn About God and Science,” by Robert Roy Britt, summarizes a new survey of scientific studies about the way children learn. It seems that an interesting conclusion has surfaced from these studies: “Among things they can’t see, from germs to God, children seem to be more confident in the information they get about invisible scientific objects than about things in the spiritual realm.” There’s no conclusive explanation for why this is the case, but...
Playing the Kyoto card
The researchers report that “latent heat loss from the tropical Atlantic and Caribbean was less in late spring and early summer 2005 than preceding years due to anomalously weak trade winds associated with weaker sea level pressure,” which “resulted in anomalously high sea surface temperatures” that “contributed to earlier and more intense hurricanes in 2005.” However, they go on to note that “these conditions in the Atlantic and Caribbean during 2004 and 2005 were not unprecedented and were equally favorable...
Bono: give us a call
The Rock Star, sounding kind of Acton-ish: Bono acknowledges that four years ago when he toured Africa with then U.S. Treasury Secretary Paul O’Neill, bringing private sector with him would never have crossed his mind. It’s a signal of changes in Africa over the past decade, but in part it’s Bono’s own advocacy that has helped shift attitudes toward the African agenda. “I think it is bizarre that Africa got me interested merce,” chuckles the U2 lead singer in an...
Outsourcing education
A couple years ago I wrote mentary that didn’t exactly defend outsourcing, but did recognize its benefits and argued that it could be done morally if done correctly. I won’t pretend that my writing is read widely enough to generate voluminous responses of any sort, but that piece did elicit a significant number of responses, many of them negative. Several correspondents, who had no personal connection to me, ostensibly knew a great deal about me, including my salary and the...
Toward “peaceful coexistence” in India
I blogged last week on the ongoing dispute between China and the Vatican. Another demographic giant with tremendous economic potential—and some religious freedom issues—is India. ZENIT reports on Pope Benedict’s address to the new Indian ambassador to the Holy See (May 18 daily dispatch). The pope took the opportunity to make a ment on the subject: The disturbing signs of religious intolerance which have troubled some regions of the nation, including the reprehensible attempt to legislate clearly discriminatory restrictions on...
Hello, pot? This is the kettle…
David Klinghoffer, a senior fellow at the Discovery Institute, writes at NRO this week about the use of biblical texts in support of immigration liberalization by liberals, “Borders & the Bible: It’s not the gospel according to Hillary.” I find this essay problematic on a number of levels. Klinghoffer first reprimands Hillary Clinton, among others, for quoting the Bible: “While the Left typically resists applying Biblical insights to modern political problems, liberals have seemed to make an exception for the...
Who will protect Kosovo’s Christians?
Seven years after the United Nations assumed control of the Serb province of Kosovo, talks are underway about its future. Orthodox Church leaders for the minority Serb population, which has been subject to attacks for years by Muslim extremists, are hoping to forestall mounting pressure to establish an independent state. Is the Church headed for extinction in Kosovo? Read mentary here. ...
The wisdom of Woz
Steve Wozniak, famed inventor of Apple I, Apple II, and the original Apple software, has a new ing out. Here is a snippet from a Businessweek interview where he gives a nice, Actony take on creativity and education. Are there larger lessons that you have drawn about creativity and innovation? That schools close us off from creative development. They do it because education has to be provided to everyone, and that means that government has to provide it, and that’s...
‘The school’ – attack on Beslan
New York Times reporter C.J. Chivers has a lengthy — and chilling — narrative on the terrorist attack on Beslan, Russia, that began on September 1, 2004. Chechen separatists took over School Number One, filled with children and parents on the first day of the academic year, and wired the place with bombs. A rescue attempt by Russian security forces three days later turned into a pitched battle and when it was over, 331 people were dead — including 186...
Acton Lecture Series: economic lessons from the parables
Earlier today, Rev. Robert A. Sirico delivered an address as a part of the 2006 Lord Acton Lecture Series entitled “The Eye of the Needle: Economic Lessons from the Parables.” For those who were unable to attend the lecture personally, we are pleased to be able to provide the audio of today’s event in downloadable form – just click here (10 mb mp3 file). ...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved