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 31, 2026 4:56 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
‘It’s Not Fair!’ No, It Isn’t
Any parent or teacher has heard the cry: “It’s not fair!” It can be a battle over who gets to ride in the front seat, who gets to stay up late, or who gets anything perceived as a special privilege. “Fairness” to children means, “I should get what I want.” Apparently, it’s the same with politicians. Daniel Hannan, Conservative Member of the European Parliament (and last year’s speaker at Acton’s Annual Dinner) tackles “fairness” in terms of politics at CapX....
Lincoln’s Biblical Meditation: A Sesquicentennial
The end of the Civil War was five days away when Abraham Lincoln gave his second inaugural address on March 4, 1865. Yet in his speech, delivered 150 years ago today, Lincoln did not gloat about the impending victory, choosing instead to use the occasion to bring both sides of the conflict together. As Matthew S. Holland says, the speech reminds us that we must resist the poisonous temptation to see those with whom we disagree as bitter enemies even...
Ferguson Police Officer Exonerated in the Shooting of Michael Brown
Since last August, federal prosecutors and civil rights investigators have been investigating whether the killing of Michael Brown by Ferguson, Missouri police officer Darren Wilson was a civil rights violation. In an 86-page report released Wednesday, the Justice Department cleared the officerof any criminal wrongdoing or violation of civil rights in the shooting. Here are some highlights from that report. • FBI agents independently canvassed more than 300 residences to locate and interview additional witnesses. Federal investigators also collected cell...
ISIS’s Political Theology Escapes the Secular Mind
The rapid rise and threat of the jihadist group Islamic State has confounded the secularist West. The idea that their motivations could truly be driven by religious ideology simply fails to register with those who view religion as an individualistic, private affair. If we are going to defeat ISIS, though, this will have to change. As Kishore Jayabalan says, it’s time to start taking the relationship between religion and politics seriously: The idea of a caliphate is, of course, very...
Sucrose, Sucrose and the Anti-GMO Archies
The left’s war against genetically modified foods continues apace. Last week, the nonprofit Green America outfit boasted a victory over The Hershey Company, which has agreed to use “simpler ingredients” in its addictive Hershey’s Kisses Milk Chocolates and Hershey’s Milk Chocolate Bars. Yes, “Frankenfood” fearers, the delicious GMO-derived sucrose of Hershey’s chocolate soon will be replaced with an identical product coincidentally known as sucrose. Finally, the “Sugar, Sugar” bubblegum world imagined by The Archies in 1969 has been realized as...
Is God opposed to Christians making lots of money?
“Being Godly doesn’t necessarily mean that you’re going to be wealthy. God makes no such guarantees in the Bible, so goodbye, prosperity gospel…[But] God clearly is not opposed to wealth in a kind of blanket way. He’s not even opposed, necessarily, to tremendous wealth, gobstopping amounts of money.” –Owen Strachan In a lecture for The Commonweal Project at Southern Baptist Theological Seminary, Owen Strachan tackles the tough subject of whether it’s morally wrong for Christians to make lots of money....
Associational Support in a Digital Age: In Memoriam of Fr. Matthew Baker
Fr. Matthew Baker Alexis de Tocqueville, observing the young United States in the 1830s, wrote, “Wherever, at the head of a new undertaking, you see in France the government, and in England, a great lord, count on seeing in the United States, an association.” In the midst of recent tragedy — the untimely death of Fr. Matthew Baker, a Greek Orthodox priest killed in a car accident this past Sunday evening, leaving behind his wife and six children — it...
No Faith-Based Case for FCC’s Net Neutrality Power Grab
“What could possibly go wrong with a regulatory power grab by a government agency applying an 80-year-old law to the most dynamic and innovative aspect of the world’s economy?” asks Bruce Edward Walker in this week’s Acton Commentary. The Federal Communications Commission last week voted along partisan lines for passage of network neutrality regulations. The first two attempts were both defeated in U.S. Circuit Court, and one hopes this third try meets the same fate. The latest strategy deployed by...
Remembering M. Stanton Evans (Update: Digital Download Now Available)
Lovers of freedom lost alongtimeally this week with the passing of author, journalist and intellectual M. Stanton Evans at age 80. Stephen Hayward penned a remembrance of Evans at Powerline: If you’ve never heard Stan’s deadpan midwestern baritone in person, you’ve missed a great treat, as it e across anywhere near as well in pixels. But all is not lost: there are supposedly some recordings of his greatest hits available on the Philadelphia Society website. [There are also several great...
Restoring All Things: Living For (Not Against) the World
“Christ followers are to see the world differently and have a different posture toward it. Rather than safety from or capitulation to the world, the grand narrative of Scripture describes instead a world we are called to live for. This world, Scripture proclaims, belongs to God, who then entrusted it to His image bearers. He created it good and loves it still, despite its brokenness and frustration.” –John Stonestreet &Warren Cole Smith Through thenew film series, For the Life of...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved