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
Dec 30, 2025 11:31 AM

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
Edmund Burke’s conservative case for free markets
“Conservatives who believe that free markets are the most optimal of imperfect economic systems thus need to rethink about how to integrate their case for markets into the broader conservative agenda,” says Samuel Gregg in this week’s Acton Commentary. “And here, I’d argue, the man whose thought gave birth to modern conservatism has much to teach us.” Though widely considered modern conservatism’s intellectual progenitor, Edmund Burke’s economic views generally receive sparse attention. Burke’s conservatism is mainly linked to his religious...
Today: Debate between R. R. Reno and Rev. Sirico on free markets
Conservative Christians are ing increasingly enticed by the idea of socialism. As many people with good intentions are beginning to consider socialism as a beneficial alternative to capitalism, supporters of the free market would beg to differ. Recently the editor of “First Things”, Rusty Reno, voiced his concerns with capitalism in his essay on Michael Novak’s The Spirit of Democratic Capitalism. Reno criticizes Novak’s view of capitalism and proposes a reexamination of socialism. President and co-founder of the Acton Institute,...
Beyond consumer Christianity: Equipping the church for cultural transformation
Modern evangelicalism’s recent fondness for “church shopping” (or “church hopping”) has led to plenty of perpetual daydreams about the “perfect church” that checks the right boxes fortability and convenience. In turn, many are falling prey to consumeristic tendencies and attitudes that influence their thought and action well beyond Sunday mornings. Indeed, the deleterious impacts of Spectator Christianity are not just confined to the pews of the church or avenues of “formal” or “full-time” ministry. They disable and disempower the church...
The Paradise Papers: A moral assessment of tax havens from Richard Teather
To hear politicians across the Atlantic tell it, the dark specter of Paradise is haunting the world. The Paradise Papers reveal precisely how wealthy individuals and corporations – including the Queen of England, U2’ssainted front man Bono, the less-than-saintly Madonna, and scores of others – have used offshore tax havens to limit their tax liability. The papers, which were illegally obtained from Appleby law firm and released by the International Consortium of Investigative Journalists, include 13.4 million files dating from...
What does the Bible say about wealth creation?
What does the Bible say about wealth creation? Can wealth creation lead to Biblical human flourishing? Earlier this year two evangelical groups, theLausanne MovementandBAM Global, released apaper exploringbiblical perspectives on the theme of ‘wealth creation for holistic transformation’ to address these questions and more. The paper begins by considering the meaning of the terms ‘wealth’ and ‘holistic transformation.’ First, they discuss the concept of wealth: Biblically speaking, wealth is a concept embodying strength, power, riches, and substance. Sometimes ‘riches’ and...
Radio Free Acton: Matt Kibbe on political cronyism; Upstream on Thank You for Your Service
On this episode of Radio Free Acton, Dylan Pahman, Managing Editor of the Journal of Markets & Morality at the Acton Institute, speaks with Matt Kibbe, President and Director of Free the People, about political cronyism. Dive deeper into the topic of political cronyism and register now to hear Matt Kibbe forActon on Tap on November 16 at New Holland Brewing in Grand Rapids, MI. Then, on the Upstream segment, Bruce Edward Walker discusses the movie “Thank You for Your...
The Russian Revolution’s rebellion against spirit and man
As we reflect on the impact of the Russian Revolution on its 100th anniversary, we’re bound to hear routine admiration of its goals and ideals, even among those who duly recognize the violence and oppression that followed. It’s mon refrain, whether made by college professors or garden-variety Bernie Sanders activists: Socialism has not been tried and found wanting; it has been found difficult and not tried. Indeed, even those who oppose such a system are plicit in this sort of...
5 Facts about veterans
Today is Veterans Day, a U.S. public holiday set aside to thank and honor all those who served honorably in the armed forces both in wartime or peacetime. Here are five facts you should know about veterans in the United States: 1. The Veteran’s Administration estimates there are currently 19,998,799 living veterans (18,115,951 men and 1,882,848 women). Out of that number, 8,876,728 served in the Army, 4,264,809 served in the Navy, 3,476,021 served in the Air Force, 2,213,601 served in...
‘Communism is the increase of the search for the Kingdom of God and His righteousness!’
Following its 100th anniversary, Communism is experiencing a public relations boon, and it has just recruited its most significant Spokesman: Jesus Christ of Nazareth. Jesus (Who, one must assume, was not consulted on the sponsorship) is said to have been the first and most vociferous Scourge of free enterprise and Advocate of socialist economics. This is precisely the argument made in France by Falk Van Gaver in his new bookChristianity vs. Capitalism: The Economy According to Jesus Christ.Perhaps Van Gaver’s...
Rev. Sirico and R.R. Reno debate the merits of free markets
Should Christians rethink the merits of free markets? Last night The King’s College hosted a debate on that question between First Things editor R.R. Reno and Acton Institute president and co-founder Rev. Robert Sirico. In his opening statement, Reno admits that free markets have done a great deal to promote human flourishing, but says that “markets are human, and like all things human in our fallen world, markets can also impede human flourishing.” Reno claims this is especially true today...
Related Classification
Copyright 2023-2025 - www.mreligion.com All Rights Reserved