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 8:20 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
Markets, populism and a fading American dream
The political divisions that started erupting across America in 2015 are about many things. These include the meaning of national sovereignty, the sense of a growing chasm between the political class and everyone else, and angst about what many believe to be unwarranted accelerations in wealth and e inequalities. Underlying such worries, however, is another belief: that opportunities for advancing one’s social and economic well-being are narrowing, even disappearing for many Americans. And if—if—that is the case, then part of...
Acton Line podcast: Responding to a Harvard prof’s call to ban homeschooling
Homeschooling is growing in popularity. In fact, the U.S. Department of Education has shown that it’s grown at a rate of over 60% in the last decade, as many families are deciding that educating their children at home is better than sending them to public or private schools. But Harvard University has a different opinion. In Harvard Magazine’s May/June 2020 issue, one Harvard Law School professor calls for a ban on homeschooling, saying it may keep children from “contributing positively...
J.D. Vance and the politics of resentment
Resentment is plicated emotion, a curious mix of disappointment, disgust, anger, and fear. The villainous poser Antonio Salieri in Miloš Forman’s Academy Award-winning film Amadeus is a study in resentment. In his youth, Salieri, desired nothing more than to make music. Salieri admits Mozart was his idol and that “I can’t remember a time when I didn’t know his name!” He confesses he was always jealous of Mozart’s talent but still makes a successful career as poser in Vienna. When...
A free-market agenda for rebuilding from the coronavirus
On June 18, 1940, British Prime Minister Winston Churchill steeled his people for the Battle of Britain with a stirring speech in the House of Commons that concluded: “Let us therefore brace ourselves to our duties, and so bear ourselves, that if the British Empire and its Commonwealth last for a thousand years, men will still say, ‘This was their finest hour.’” The present coronavirus crisis calls for Churchillian statesmanship, yet few, if any, democratically elected leaders have proven equal...
Acton Line podcast: COVID-19 and job loss: Where do we go from here?
The United States has been in a state of emergency since mid-March as a result of the COVID-19 outbreak. In order to slow the spread of the virus, states have implemented various measures, including shelter-in-place orders, forcing millions of Americans to stay at home. Millions of individuals have now been furloughed or laid off permanently, and many are struggling to put food on the table. The economy cannot remain closed indefinitely. How do we begin facing the tough questions evoked...
Alejandro Chafuen in Forbes: Latin America’s coronavirus situation
Last month Alejandro Chafuen, Acton’s Managing Director, International, published a piece on detailing Latin America’s response to and preparedness for COVID-19. He recently followed up with a new post that brings his analysis up to date and highlights the situation’s relationship to the rest of the Americas. The leaders of Brazil and Mexico remain targets of criticism, and it remains to be seen what effect, if any, changing seasons will have on the virus’s spread. The coronavirus has so far...
Science: Human beings were made for creative cooperation
Popular culture presents the human race petitors in a selfish struggle for the survival of the fittest. However, new scientific research finds that the human race has a natural tendency to cooperate—and that religion increases philanthropic giving and voluntarism during a crisis. “Humans are quite possibly the world’s best cooperators,” according to a summary by the Templeton World Charity Foundation, which sponsors research into the topic. “Cooperation has never been more relevant” than during the global pandemic of COVID-19. Scientists...
Rethinking free markets in an age of anxiety
On December 26, 1991, the USSR’s Supreme Soviet passed its final piece of legislation. Declaration Number 142-Н formally stated that the Soviet Union had ceased to exist as a sovereign entity. That vote sealed America’s victory in the Cold War. Many also believed that the twentieth century’s primary economic contest—socialism versus capitalism—was over. Across the world, even nations with long histories of dirigisme seemed to be embracing markets. All that seems like a long time ago. Today market skepticism is...
‘Mrs. America’: How Hollywood rewrites history
In an interview about her creation of FX’s new Hulu miniseries, Mrs. America, Dahvi Waller tells Esquire magazine that the idea for the series was born out of her childhood home. As the daughter of a political scientist, she “grew up learning about America’s politics and government” and developed a love for political dramas. Over time, however, she noticed that many political dramas revolved around men. “Women were either the wives or the victims,” she says. “I became really interested...
Acton Institute proclaims the failure of universal basic income to French speakers
The Acton Institute is helping popularize a left-leaning professor’s stark criticism of the universal basic e among the world’s 275-million Francophones. A new French language translation of “Marx vs. the universal basic e” recounts the findings of Ive Marx, a supporter of e redistribution. Despite his ideological inclinations, Marx ran the data and concluded that the UBI would actually harm the poor: Marx et une équipe de chercheurs ont testé les effets de l’introduction d’un revenu universel aux Pays-Bas. Leur...
Related Classification
Copyright 2023-2025 - www.mreligion.com All Rights Reserved