Degree of Debt

College expenses are rising faster than students can pay for them.  There is no way to graduate college without a mountain of debt.  A quality education is out of the reach of most people.  These statements and others like them just aren’t true.  It’s this either/or type of thinking that gets us in so much trouble as a nation: “You EITHER get in massive debt OR you don’t get to get a quality college education.” 

The truth is, though the average college student graduates with $22,900 in Student Loan Debt¹, it doesn’t have to work this way.  In the past 40 to 50 years, college has become this fantasy experience in our nation.  We have allowed it to become this all-expenses-paid right-of-passage full of alcohol, dating, parties, and entertainment (with a few classes thrown in).  That may be fun, but it is expensive.  We’ve sold a false bill-of-goods to our children and now, those who are graduating deeply in debt are struggling to pay for an education in an economy when fewer jobs are available.  They are angry, and rightly so, but their anger is somewhat misplaced if it is used only to blame Corporate America for a bad economy.  Perhaps some anger is due to themselves and poor choices that they have made and unrealistic expectations that they have built their young fantasies on.  Perhaps some anger is due their parents, teachers, and guidance counselors who sold them on the myth of the college experience. 

Let’s look at this myth a piece at a time.

#1 – Let’s be honest here.  Not everyone has to go to college.  Not only that, many people should NOT go to college.  Their study skills, life goals, and sheer desire may not be there.  Maybe they are going because they feel they have to in order to find a good job, or because their parents want them to go.  For some, a start in the work force is what is needed.  Others may consider trade schools or union trade apprenticeship.  Let’s not forget stay-at-home parents.  Financial concerns should never prevent someone from getting to college, but desire may (and should).  All too often, we tell kids they must go to college if they want to be somebody.  Many of the most accomplished entrepreneurs never went to college or dropped out without a college degree.  Steve Jobs and Steve Wozniak dropped out of college.  Billy Joe McCombs of Clear Channel Mediadropped out of law school.  David Geffen of Dreamworks fame dropped out.   Walt Disney dropped out of high school.  So did Vidal Sassoon.  So did Richard Branson of Virgin Records and Ray Kroc of McDonalds.  Mary Kay Ash of Mary Kay cosmetics never went to college.  Hyman Golden of Snapple fame, no college.  Frank Lloyd Wright never even went to High School.  There are hundreds of others on this list², so let’s be honest that college isn’t required for everyone. 

#2 – working your way through college is not a bad thing.  Forget the whole ‘College Experience.’   You don’t need to spend tens of thousands of dollars to party for four years.  It is completely possible and realistic to work 30-40 hours a week and still attend 8-12 hours of classes.  Late nights? Yes.  Hard work?  Yep.  Severely curtailed dating life? Absolutely.  No one said it has to be easy.  What’s more, the value of working during your degree cannot be underestimated.  Part time jobs in food service, retail, and even janitorial are great character builders and offer an education in and of themselves.  You learn how to deal with people.  You learn how to serve others.  You learn the value of a dollar earned.  You learn a trade that will always be a valuable back up when times are hard.  I earned my way through college the first time working in fast food.  I know that I will always be able to support my family in the roughest of times.  I am not afraid of cleaning toilets and I am not ashamed of flipping burgers or washing dishes.  A waiter or waitress can make great money if they are hard workers and good at entertaining people too.  What’s more, the flexible schedule of restaurant work allows you to go to school during the day and work at nights and on weekends.

#3 – in almost every situation, going to an Out-of-state college is not worth the investment.  In-state tuition is cheaper and the ability to stay with relatives* makes it much more affordable, compared to paying exorbitant out-of-state tuition and dorm fees.  Yes, I know that every kid is itching to move away from home.  Yes, I know that Florida State University is right near the beach.  Yes, I know that every guidance counselor in high school wants you to apply at every college in the U.S.   But, the truth be known, you can get an excellent education at your State University. 

* it was pointed out to me that some states have larger rural populations that make staying with relatives an untenable proposition.  The savings on in-state tuition as well as using some of these other tips (especially number 4 below) still makes much more sense than going out of state.

#4 – You don’t have to go all four years to the same school.  Save money by taking your basics at a community college or online.  At the current schedule of fees and costs, I can take English 101 at a Maricopa county community college for $76 a credit hour.  Contrast that with taking the same class at ASU for $658 a credit hour².  That is TEN TIMES the cost for the same class that will transfer!!!  I recommend community college for most kids as a starter for several reasons.  Financially, it is significantly more affordable.  It gives the young adult a chance to experience a wide range of classes before locking into a degree program.  And, it gives them a chance to see if college is even right for them.  The only ones that I recommend go right into a full university are those kids who have earned a full ride scholarship.  If they’ve already worked that hard, they are ready for college, and they don’t have to worry that their classes are more expensive.  I do recommend that any students starting at community college talk with an adviser from their prospective degree university to make sure that classes they choose at the community college will transfer.  The great thing about a community college is it gives you a chance to experiment.  Take 2-3 classes of basic requirements and 1 class that looks interesting as an elective.  Most students change their degree program at least once.  Attending community college first allows you to try different things before locking in, and allows you to do it at a much more affordable rate.

#5 – Scholarships are available for more than just perfect grades or football.  There are thousands of scholarships and grants available for students.  You just have to find them.  The college financial aid counselor will point you towards some of them, but others require research.  The first time I went to college in my late teens, this meant hours in the library looking through Scholarship and Grant books and then writing essay after essay.  This time, it’s all on the internet and you can often apply online.  Often, you must still include an essay, but you can copy and paste right from your MS Word document to the online form.  Much easier. 

#6 – Extra-curricular activities are just that: extra.  Unless you have a scholarship that demands your participation in a specific sport or other program, then these things are tertiary to your primary goal of getting a good education and secondary goal of paying for the degree without drowning in debt.  If you have time then you can join a sport, a club, or a fraternity or sorority.  These things may be fun, but they just aren’t what you are there for.  Not only do these things distract you from your education and waste time that is better spent elsewhere, they cost more money.  Brutal realism is required for good financial health.

#7 – Get a degree that matters.  Very few students that I have dealt with over the years in Youth Ministry have had any clue what they really want to do for a living.  Often they have these fantasy jobs and sound certain of their goals with all the assurance of youth.  Anyone who has dealt with High School and College age kids knows the truth.  What they think they want to do coming out of High School is rarely what they end up doing for a career.  General degrees in business and education prepare you for almost any career.  Get an Associates and/or Bachelors in these fields and then specialize with a Masters degree.  If you spend four years on an Art History degree, don’t be surprised if there are few jobs open when you get out of college. 

#8 – You have to earn your stripes.  The most important lesson that we, adults, can teach kids is that you must expect to work your way up from the bottom.  You have to pay your dues. When you get out of college, you just might not be able to find a job right away.  Yes, I know, the college recruiter said that you would be making $100,000 a year within six weeks of graduation and that the college will help you find that job.  Guess what… The college recruiter’s job is to get you to come to their college (and bring money with you).  They are not always so honest about what happens after college.  What’s more, they cannot control the economy.  You will probably have to start at the bottom of your degree field and earn you way up.  You may have to do jobs you don’t like to earn your way to the job you want.  You may even have to struggle in a different field for awhile till you can even get into the company you want.  Prepare for that.  Acknowledge it now and save yourself the stress.  This is another good reason NOT to get into huge college debt.  Being debt-free or mostly so upon graduation gives you time to find your niche.  This is a good reason to work your way through college.  If you can get in on the bottom floor in a field similar to or the same as you will be working in, you may find that internship or first time job that puts you ahead of the rest of the field when you get out of school.

#9 – You don’t need credit cards to get through college.  The sad truth is that most college students  graduate with student loan debt AND credit card debt.  The average college senior graduates with an additional $4,100 in credit card debt⁴.  That is in addition to the $20,000 plus in student loans.  Credit card companies love to come to student events and give away free Frisbees and pizza for everyone who applies for a credit card.  Students, whose parents have often spent a lifetime in debt, now sell themselves into debt slavery for a slice of pizza and a toy that they won’t even have by the time they pay the bills.

#10 – College doesn’t have to take four years.  In fact, a six year degree while you work is much more realistic and will provide you with an opportunity to gain experiences that you might not have otherwise gotten.  By working your way through a realistic class schedule, you will be able to have the flexibility to take internships, study abroad for a year, serve for a summer in a charity, or any number of other life experiences that will help you be a better, well rounded person and also impress future employers. 

The college experience myth is busted.  You can have that fantasy of fraternity parties, football games, and dating the cheerleader while going to classes, but it is going to cost you.  If you choose this fairy tale, don’t be surprised when you graduate with debt up to your ears and little prospect for financial freedom in the near future.  But, if you accept reality for what it is and are willing to put a little blood, sweat, and tears (no, not the 70s band) into your education, you can come out with something of real value at a fraction of the cost, and with the ability to earn your way to the top.  For the rest of us, the teachers, youth ministers, coaches, parents, and every other person who influences young adults: it is our duty to help these kids be realistic.  Let’s not feed them any more lies about college and debt, but give them a kick start in life by teaching them the value of hard work and an earned education.  Let us pass on the idea that the world doesn’t owe them a living and they shouldn’t expect someone else to pick up the tab for their choices. 

I am not totally hard-line against any debt.  If you have to use a little to get through your last year unpaid internship, then do what you have to do.  It is much harder to get a master’s degree debt free, but do as much as you can.  It’s just the thought of teaching our kids that debt is unavoidable, so let’s just use loans for all four years and hope that we can get a job right away to pay it all.

Finally, let us help our kids in the ways we can.  If you can financially help a kid get through college, do it.  If you can pay for a book, buy them dinner, or give them your old computer or bicycle, do it.  If you can encourage them, help them research scholarships, give them a quiet place to study, do it.  If you can help them get a part-time job where you work, or write a recommendation for their internship, do it.  If you can help with their laundry, give them a ride, or assist them with homework, do it.  Whatever happens, let’s help where we can and let’s not harm them by perpetuating myths.

As long as we believe that it isn’t possible and keep telling ourselves and our kids that, then we will continue to stick them with large amounts of debt.  But, when we quit making excuses and quit perpetuating myths, then we can change our kid’s future.

1.       http://news.consumerreports.org/money/2011/05/2011-college-grads-have-highest-average-debt-to-date.html

2.       http://www.youngentrepreneur.com/blog/100-top-entrepreneurs-who-succeeded-without-a-college-degree/

3.       http://collegesearch.collegeboard.com/search/CollegeDetail.jsp?collegeId=2353&profileId=2

4.       http://www.credit.com/press/statistics/student-credit-and-debt-statistics.html

P.S. -  It’s funny, but I’ve been accused of being unrealistic and fantasizing for thinking that things can work this way.  In most cases, it is from people who don’t want to think they have made wrong choices, so they say things like, “debt is unavoidable,” or, “it’s just not possible to live debt-free.”  Yet, I know others who have taken personal responsibility and recognized that past choices do not dictate the future.  These people are paying off debt steadily and living less stressful lives.  This includes myself and my family.  I got into deep debt during my first college experience and young adult years.  After years of hard lessons and even harder work, we are almost debt free.  That is reality, not fantasy.  Invariably, the people making the excuses and saying that debt free living is a fantasy are the ones continually making the same choices that continually get them further into debt and continually cause them suffering or don’t want to be honest about their own responsibility for past choices.   Those who are brutally honest with themselves get out of trouble, those that blame others continue living in trouble.  That is my experience.  YMMV

#Occupy Yourselves

A Comparison

I've been watching the whole fuss about the Occupy Wall Street and I remember all the fuss about the Tea Party.  It's been very amusing to watch the Facebook postings on each.  I have friends on both sides of the political aisle and I have now seen several postings comparing the two movements posted by each side.  It's fun to watch each side pick the worst fringe of the other side to compare to the best of their own.  I can't be sure if they truly believe it or if they are purposely being intellectually dishonest. 

Here is my comparison of the Tea Party and Occupy Wall Street.

Tea Party	Occupy Wall Street
Grass Roots movement co-opted by Republicans	Grass Roots movement co-opted by Democrats
Represents the little guy who feels stepped on by the government	Represents the little guy who feels stepped on by corporations
Has people dressed in goofy costumes from 1700s	Has people dressed in goofy masks from 1600s
Has people playing fifes and drums	Has drum circles
Blames big government for everything	Blames big corporations for everything
Thousands of people marching in big cities holding signs calling for change	Thousands of people marching in big cities holding signs calling for change
Actually has some good points about the situation we are in with too much corporate money controlling our government	Actually has some good points about the situation we are in with too much corporate money controlling our government
Hates the government bailouts of big corporations	Hates the government bailouts of big corporations
Blames President Obama for the bailouts	Remembers that the Bailouts started under President Bush and blame him.
Offers a several overly simplistic solutions to a single complex problem	Offers no solutions to a wide range of complex problems.
Caricatures the OWS by comparing the worst fringe element of the other side with the most logical and centrist parts of their own movement.	Caricatures the Tea Party by comparing the worst fringe element of the other side with the most logical and centrist parts of their own movement.
Forgets that they only represent about a third of our country and that the other 2/3 has perspective and ideas too.	Forgets that they only represent about a third of our country (despite the 99% claim) and that the other 2/3 has perspective and ideas too.
Thinks it’s a crime to believe in socialism	Thinks it’s a crime to believe in capitalism
Old Republicans and young hipster conservatives	Young Democrats and old hippies
Primarily composed of real people with a heart to make a difference.	Primarily composed of real people with a heart to make a difference.
Complained that the media, which is (of course) all owned by the left-wing, wouldn’t cover them.	Complained that the media, which is (of course) all owned by rich corporations, wouldn’t cover them
Fox News and Drudge Report cover everything positive about this movement.  Huffington Post and MSNBC cover everything negative about this movement.	Huffington Post and MSNBC cover everything positive about this movement.  Fox News and Drudge Report cover everything negative about this movement.
Conservative media writes articles saying that you shouldn’t compare these movements because the Tea Party is right, peaceful, and the voice of the people and the OWS movement is wrong, potentially violent, and doesn’t represent most of America.	Liberal media writes articles saying that you shouldn’t compare these movements because the OWS is right, peaceful, and the voice of the people and the Tea Party movement is wrong, potentially violent, and doesn’t represent most of America.
Small fringe groups in this movement calling for overthrow of government	Small fringe groups in this movement calling for overthrow of government
People seen carrying assault weapons at rally	People seen carrying assault weapons at rally
Flyers found threatening death of government officials	Flyers found threatening death of police
Someone spit on congressperson	Someone pooped on police car
Some prejudiced hangers-on hate black people and immigrants and seen carrying signs that suggest the country would be better off without them.	Some prejudiced hangers-on hate Jews and Evangelical Christians and seen carrying signs that suggest the country would be better off without them.
Supported by two rich old white guys – the Koch Brothers	Supported by one even richer old white guy – George Soros
Held their rallies and stood around complaining, but then got people out to vote to bring some change to government	Holding their rallies and standing around complaining, let’s see if they can actually get people out to vote to bring some change to government.

What a mess we are in as a nation because of discourteous partisanship.  It's perfectly OK to have differing points of view, but the lack of any respectful disagreement and the lack of recognition that the other side might have some good points leaves us at war with one another and keeps us voting charlatans and crooks into office because, at least they vote for my side.

Let's not forget that we are all in this together. 

Time to Grow Up and Act Like Kids Again

“It’s MINE!!!,” screamed the Stephen as he took the big red ball away from the Anne. Anne promptly burst into tears and went running to the teacher where she sobbed and stuttered trying to tell her version of the story. Stephen came running up a few steps behind yelling, “I had it first and she took it from me." Both children are full of righteous anger and primed to fight for their rights with no regard or thought for the other.

The teacher was now left to sort out the issue and deal with the children, not just with their refusal to share, but also with their behaviors after the fact.

You might think this is a story of two preschoolers, but perhaps not…

Recently, in Phoenix, a black city councilman was in a confrontation with a white police officer. The actual outcome of the situation is murky with blame to be assigned to both sides, but the interesting thing is the gigantic outpouring of anger from the black community in that area. Even if this single episode was not actually racially motivated, someone had better pay attention to the issue of community policing in that area because the response tells me there are much deeper issues there.

In the past months, we have seen a Health Care Bill signed into law by Democrats who completely bypassed any semblance to open and honest legislation, provoking some of the largest angry reactions that I have seen in politics during my lifetime. This gave a boost to the Tea Party movement that has been agitating for change in government.

Sometime later, Arizona Republicans signed a law into effect that some said could lead to racial profiling, leading to an enormous backlash by Hispanics and others.

Each of these events have something in common: the response was much more powerful than expected and in some cases, has yet to die down.

The response in each of these cases is due to the feeling of disenfranchisement by one group in response to the actions of another.

As a White man, it is easy to dismiss the situation that occurred with the City Councilman because he is black and ultimately had a large degree of fault in the events that transpired. But the event was merely a catalyst that opened the lid of simmering issues between the Black community and the Law Enforcement community.

Democrats are quick to dismiss the Tea Party movement as a bunch of crazies and racists, but the truth is, they are by and large ordinary people that are sick of the abuses of government and want to be heard.

Arizona Republicans and supporters of SB1070 and similar laws like to shut down the immigration argument with sound bites about ‘rule of law’ but fail to recognize the very real fears of many legal Hispanic immigrants and citizens as well as the complex issues of our historic immigration policies.

Whatever race we are, whatever political or religious affiliation, we must remember that there are people who hold different ideas than we do. Our actions as a majority may seem right to us, but may trample the rights of others or appear to do so.

If large numbers of people stand up in response, there just might be a problem that the majority doesn’t recognize or refuses to see. Dismissing our opponents and denigrating their values is not healthy or productive.

Democrat or Republican, White or Black, Legal or Illegal, Christian or Atheist, Tastes-great or Less-Filling, we all share this nation and we must work together and listen to each other.

In Kindergarten we learn to share, to respect each other, and to play nice.

It is the time to dial down the rhetoric and work to open avenues of communication.

It is the time for openness and truth.

It is the time for cooperation and compromise.

Let’s remember those lessons from Kindergarten…

It’s time to grow up and act like kids again.

Don't make me go tell the teacher.

Push off

This blog originally posted Tuesday, September 26, 2006

Current mood: cranky Category: Life

I was listening to talk radio the other day (yes, I know that probably kills more brain cells than inhaling paint fumes), and they were talking about the upcoming elections. People were supposed to call in and tell who they would vote against or what proposition they would vote against and why. NOT what they were voting FOR, but AGAINST.

Well, I kept hearing the same arguments regarding a few specific ones - Len Munsil (a Christian running for Governor), the Scottsdale Strip Club regulations, the anti-smoking ban, and the proposition about keeping pigs and veal calves in larger pens. Time and time again, I heard callers say, "They're just trying to push their morals/values off on us." Most often, this was in reference to Christians.

OK, can I be the one brave enough to say this????...... YES. YES, we are trying to push their morals on you. Duh!!! Now at least one of us in this conversation is intellectually honest here. For the record, if you vote for something (anything) in an election, YOU are trying to push your morals/values off on everyone else. That's what society and politics are all about.

In the valley of the sun, we have more than 4 million people. We don't all agree on everything. So, to make our society work, we have to come to agreement on what rules we will have and how things will be run. Therefore, someone wins (pushes their moral values off on others) and someone loses (gets someone else's moral values pushed off onto them).

That's life.

That's politics.

That's society.

Further, the very fact that we have a system where we get to vote for our leaders and not a monarchy is because a group of people pushed their values off onto the others. Read your history books, the largest group of people who fought for the British in the revolutionary war were colonialist Americans!!!! Didn't know that did you. Almost as many colonists were for staying with England than were for the revolution!!! Talk about pushing your morals off on someone else.

Murder is a felony in this country. That is someone's values that society agreed upon. Prostitution is illegal in this state but not in Nevada. That too is someone's values. Multiple wives, sex with children, income taxes, insider trading, and even the speed limit on the roads are all examples of someone's values being pushed off on the rest of us. I guarantee you that there are members of our 4 million community that feel differently about each of these issues. Tough luck. Some of them will even continue doing their own thing despite the law. When they are caught, then the policemen and judges will push our morals off on them. That's what we pay them for. That's the way the system works. Next time you get pulled over for a ticket, just try refusing it by telling the officer thay you believe that he is pushing his morals off onto you. Good luck with that.

It doesn't matter whether you are a member of the Sierra Club or and Oil Conglomerate, whether you are with PFLAG or the Christian Coalition, Planned Parenthood or Operation Rescue, PETA or the FFA, Anti-Smokers or R.J. Reynolds, Somos Americanos or the Minutemen - you want to push your morals off on everyone else.

Can we all just admit this?

Can we be honest here and quit making that stupid statement about pushing your morals off on me?

When we go to vote, you get your people to vote and I'll get mine. If you win, I have to deal with it. If I win, you have to deal with it. Sounds like fun, doesn't it.

I'll see you at the polls, and I hope I win.