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
Jan 29, 2026 3:14 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
Amazon paying higher wages is smart—forcing everyone to do so is dumb
Amazon recently announced pany will pay all of its U.S. employees a minimum of $15 an hour—more than double the federal minimum wage of $7.25. “We listened to our critics, thought hard about what we wanted to do, and decided we want to lead,” said Amazon’s founder and CEO Jeff Bezos. “We’re excited about this change and encourage petitors and other large employers to join us.” The decision is a smart move for Amazon. Unfortunately, the pany wants to force...
Explainer: What you should know about the U.S.-Mexico-Canada Agreement (USMCA)
What just happened? Shortly before midnight on September 30, the United States and Canada agreed to a deal to replace the North American Free Trade Agreement(NAFTA). The new trilateral trade agreement is called the United States-Mexico-Canada Agreement (USMCA). When does it take effect? Before it can take effect, leaders from each of the three countries must sign it and get it approved by their nation’s legislatures. Because this process is expected to take several months, the main provisions of USMCA...
Why you should diversify your investments
Note: This is post #95 in a weekly video series on basic economics. Before it went bankrupt in 2001, many of Enron’s employees had most or all of their retirement funds pany stock. When pany collapsed, as Alex Tabarrok notes, employees who were once multimillionaires ended up with almost nothing. They failed to heed the most basic rule of investing:Don’t put all your eggs in one basket. In this video by Marginal Revolution University, Tabarrok explains why diversification is essential...
This politician nails entrepreneurship and the importance of work
The news highlights from Theresa May’s speech this morning at the Conservative Party’s 2018 conference may be that she branded Labour the “Jeremy Corbyn Party” mitting her party to “ending austerity,” increasing spending on the NHS (which, she said, “embodies our principles as Conservatives more profoundly” than any other institution), and suspending the national gasoline tax for the ninth year – a move that saved British taxpayers £9 billion a year. But there’s a section noteworthy for its rarity in...
The failure of ‘good intentions’ in America’s entitlement state
Amid the flurry of anti-poverty activism gone wrong, we are routinely reminded thatgood intentions aren’t enough. Although the motives of our hearts often serve as fuel for positive transformation, our corresponding efforts also require reason, wisdom, discernment, and a healthy recognition of real-world ripple effects and constraints. In public policy, we see an unfortunate mix of good intentions and unintended harm across a range of issues, from disaster relief to foreign aid to healthcare policy and beyond. At present, however,...
8 quotations from Walter Laqueur on Europe’s future, statism, and the allure of evil
One of the preeminent international analysts and students of the transatlantic area, Walter Ze’ev Laqueur, died Sunday at the age of 97. Born on May 26, 1921, in what was then Breslau, Germany (and now Wrocław, Poland), he fled his homeland days before Kristallnacht; his family would die in the Holocaust. He moved to an Israeli kibbutz, to London, and eventually to the United States – moving as seamlessly from journalism, to foreign affairs, to academia. He spoke a half-dozen...
Russell Kirk: Where does virtue come from?
This is the first in a series celebrating the work of Russell Kirk in honor of his 100th birthday this October. Read more from the series here. How can human society form and raise up virtuous people? In the Summer/Fall 1982 issue of Modern Age, Russell Kirk explored this perennial question in an essay titled, “Virtue: Can It Be Taught?” Kirk defined virtues as “the qualities of full humanity: strength, courage, capacity, worth, manliness, moral excellence,” particularly qualities of “moral...
Walmart removes hammer-and-sickle merchandise
After backlash from across the globe, Walmart has stopped selling items bearing the hammer-and-sickle insignia of the Soviet Union. This followed strongly worded letters from Baltic leaders and a U.S. educational effort largely spearheaded by Mari-Ann Kelam through the Acton Institute. The controversy burst into public consciousness when Kelam wrote an Acton Commentary titled, “Walmart’s T-shirt homage to mass murder,” published on September 5. A number of news outlets picked up the story, both in print and on radio. Lithuania’s...
Jesus would vote for socialism: German socialist party
Marxism taught that religion is the opiate of the people and tried to indoctrinate children in atheism from their earliest days. Yet a socialist party in Germany has erected a billboard stating, “Jesus would have voted for us.” The fifth-place party in the German Bundestag, Die Linke (“The Left”), “is the direct successor of the Socialist Unity Party of Germany (SED) which held East Germany in an iron grip for many decades,” writes Kai Weiss of the Austrian Economics Center....
C.S. Lewis on the necessity of chivalry
There are few concepts today more dismissed—and yet more necessary—than chivalry. During the Middle Ages chivalry was a moral system bined a warrior ethos, knightly piety, and courtly manners. As C.S. Lewis writes in “The Necessity of Chivalry“—my favorite essay of his—the medieval ideal brought together fierceness and meekness, “two things which have no natural tendency to gravitate towards one another.” “It brought them together for that very reason,” says Lewis. “It taught humility and forbearance to the great warrior...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved