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 7, 2025 5:52 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
Dear Future Mom: Children with Down Syndrome Are a Gift to Us All
“I’m expecting a baby,” writes a future mother. “I’ve discovered he has Down syndrome. I’m scared: what kind of life will my child have?” In response, CoorDown, an Italian organization that supports those with the disability, created the following video, answering the mother through the voices of 15 children with Down syndrome: “Your child can be happy,” they conclude, “and you’ll be happy, too.” Or, as Katrina Trinko summarizes: “Don’t be scared. Be excited.” That goes for the rest of...
5 Facts About Patrick, the Indiana Jones of Saints
An aristocratic British teenager is kidnapped by pirates, sold into slavery, escapes and returns home, es a priest, returns to his land of captivity and face off against hordes of Druids. Here are five facts about the amazing life of St. Patrick, the Indiana Jones of Christian saints: 1. Taken from his home in southern Britain, Patrick was captured by pirates in A.D. 405 when he was only sixteen years old and sold into slavery in Ireland. He would spend...
Catholics and Anglicans Join Forces Against Slavery
There are more slaves today than were seized from Africa in four centuries of the trans-Atlantic slave trade. In fact, there are more slaves in the world today than at any other point in human history, with anestimated 21 million in bondageacross the globe. In an effort to eradicate modern slavery and human trafficking across the world by 2020, Pope Francis and Archbishop of Canterbury Justin Welby have personally given their backing to the newly-formed Global Freedom Network. The Global...
Surviving Sex Trafficking
Vednita Carter wants this to be perfectly clear: human beings are not for sale. It’s a battle, she says, one where she is on the front lines. Carter used to be a prostitute. But don’t think of a woman wearing outrageous outfits, standing on a street corner. No, think sex trafficking. At 18, she was hoping to make money for college when she responded to an advertisement for “dancers.” At first, she danced fully clothed, but her bosses and then-boyfriend...
It’s Official, Millennials: The White House Thinks You’re Stupid
The Affordable Care Act [ACA] has seen more than it’s share of disasters. The clunky website got off to a horrendous start, the “fixes” didn’t work, Kathleen Sebelius got raked over the coals (“Don’t do this to me!”) at a House hearing, and not enough young people are signing up. The solution? The White House has created an “ACA Bracket” (Get it? Huh? Get it?) site where young folks can go and vote for their favorite GIFs and then head...
Samuel Gregg: Defending Paul Ryan
At National Review Online, Acton’s Director of Research, Sam Gregg, takes issue with a New York Times article that takes a “dim view” of Congressman Paul Ryan (R.-Wis.). Specifically, Gregg takes on author Timothy Egan’s charge that Ryan suffers from “Irish-Amnesia” because the congressman suggests that we in the United States have created a culture of dependency. Such attitudes and critiques, the piece argued, reflected a type of ancestral amnesia on Ryan’s part. Egan reminds his readers that some English...
The Blight Of Worklessness
Work is good. It gives meaning and purpose to our lives. It affords us an avenue for our God-given talents. It provides our e, gives service to others, and fashions our society. We are, in God’s image and likeness, workers and creators. Reihan Salam and Rich Lowry, at National Review Online, are talking about the need for work; not just jobs, but work – real, meaningful work. In their discussion, they note that the Democratic party (the “blue collar” party)...
Bill Gates on Poverty and Inequality
In a recent interview with Rolling Stone, Bill Gates — the richest man in the world — shares his thoughts on poverty and inequality: Should the state be playing a greater role in helping people at the lowest end of the e scale? Poverty today looks very different than poverty in the past. The real thing you want to look at is consumption and use that as a metric and say, “Have you been worried about having enough to eat?...
Radio Free Acton: For The Life Of The World
The Brad Pitt of Acton. In this edition of Radio Free Acton, Paul Edwards goes behind the scenes at the premiere of For the Life of the World: Letters to the Exiles, the new curriculum produced by the Acton Institute that examines God’s mission in the world and our place in it. Edwards looks at the curriculum itself, speaks with some of the folks who made it, and gauges audience reaction to the premiere. You can listen via the audio...
The Freedom for Patient, Faithful Service
Buried in a note in my book about the economic teachings of the ecumenical movement is this insight from Richard A. Wynia: “The Lord does not ask for success in our work for Him; He asks forfaithfulness.” This captures the central claim of Tyler Wigg-Stevenson’s book, The World is Not Ours to Save: Finding the Freedom to Do Good (IVP, 2013), which I review over at Canon & Culture. As Wigg-Stevenson puts it, “Our job is not to win the...
Related Classification
Copyright 2023-2025 - www.mreligion.com All Rights Reserved