Showing posts with label college costs. Show all posts
Showing posts with label college costs. Show all posts

Friday, September 27, 2013

Lisa and John

Sept 27 2013


Lisa and John have what we're told it takes to succeed. They're smart, they're college educated, they're hard workers. They're pleasant and attractive. They excelled in school. They've been together for a couple of years and expect their relationship to last. They worked through college and are consequently older than other recent graduates. They're ready to start their adult lives. And they can't find work. They represent a generation that feels cheated – they've discovered the American Dream is a lie.

I haven't used their real names or pictures so they could speak freely. 

“I've been out of school since December,” John said.

“I've been out of school since May,” Lisa said. “I've had two interviews before I graduated and three since I've graduated and no luck. In school I focused on interior design, both contract and residential. The interviews I got were residential and one was showroom. But there are about five computers it turns out I should know and I don't know. And that's preventing me from getting a job. So I have to figure out how to learn them.”

On her own dime and her own time, despite her degree?

“I have to see if I can download a trial version on my computer so I can get acquainted with them without spending the $500 these computer programs cost, see if I can figure it out on my own.”

Lisa's not the typical design school graduate. She's already been working in the field.

“I have three years of design experience, which is more than any of my classmates had. I graduated top of the class but there's not a lot out there for me. Everyone told me I was going to have a job without a problem, but I know there's no jobs out there. With all the design graduates coming into the field, I'm not surprised that there's slim pickings. I didn't know it would be as hard as it is and that there'd just be nothing out there.”


John and Lisa have been living in an apartment behind John's dad's house. Their situation has deteriorated to the point where they can't pay rent and they have to move back home.

“I'm working part time in a furniture store,” Lisa said. She laughed but it's clearly not funny. “For ten dollars an hour.”

John was recently hired by an Internet startup, also as a contract employee at ten dollars an hour.

“Prior to that I was finishing up my degree at night and working at a sports network on a part time basis. They call it a project employee – it's thirty hours a week, twelve dollars an hour. I was an editor so what I wrote went directly to six million subscribers nationwide. It was a position with a fixed duration and I knew the end was coming. My job ended in April of 2013, so in December 2012 I started sending out applications. I tried to send out five a week, ten a week. Between December 2012 and April 2013 I would say I'd sent out two hundred job applications, at least, to various places nationwide. Out of those two hundred applications I got one phone interview and one in-person interview. Finally in mid-August I applied at an Internet startup in New York. They hired me at ten dollars an hour for up to forty hours a week. After a week and a half they had promoted me to manager. After another half a week they decided that the position they'd promoted me to had to be based in New York City, which I couldn't afford to do. It had the promise of a reasonable salary in the future and some stock options in this new company, and it didn't work out so I'm back to square one.”

So how many hours a day does he spend looking for work?

“Probably three or four. But here's the thing – there are only so many jobs boards and so many jobs. Weekend days in particular are very slow for Craigslist, Indeed, Monster, whatever. You see a lot of the same jobs over and over. I've got experience that you'd think would help with sports teams, colleges, leagues, and I peruse those, too, but nothing. Before we met you today, I was on the computer for about an hour while my girlfriend was getting ready. I'll probably look some more tonight.”

I wondered if their friends are having similar struggles to find work.

“A lot of my girlfriends are still in school,” Lisa said. “They went back for their Masters. One of my friends is working in New York City, killing herself for no money, but she's able to live there with her boyfriend.”

“One of my friends was an accounting major and went for his MBA,” John said. “He ended up getting fired from his accounting job because he didn't really know how to do the job. This was a kid with a 3.9 GPA in college. You have to wonder how well the accounting program at our school prepared him for the real world.”

I speculated that both of them would probably prefer to start their own businesses at this point, as the job market isn't opening at all.


“You kind of become fed up with everything. Maybe if you take matters into your own hands you'll do better than trying to rely on other people. You've definitely thought of that,” Lisa said to John. “For me, as far as residential design goes, that's the only way to really do design work. You can find clients who are willing to spend money more easily than you can find businesses willing to spend money by hiring someone. One of the firms I interviewed with have cut their employees in half since the economic crisis started. Business has started to come back but they're not hiring new people. They're just having the people they have take on the extra work. I'm thinking maybe if I can find clients willing to spend money, that's the way to start. But that's tough as well because it seems like in the past couple of weeks spending has just stopped – no jobs posting the past few weeks, nothing really new to apply for since mid-August. I don't know if it's the government shutdown talk but the entire industry has just seemed to slow down.”

John has an idea for a business startup, but he's hit a different kind of wall. He has no capital.

“Good luck walking into a bank and asking for $500 thousand in seed money with $100 thousand in student debt hanging over your head and no work history to speak of. I have no illusions about it. That's life. You can't be self reliant because you can't get started being self reliant.”


John continued, “It is my opinion that a college education these days is the biggest scam in this country.”

“It's the most fiscally irresponsible thing you can do at this point, at our age,” Lisa agreed.

“Unless your parents can pay for it,” John continued, “you're crippling yourself for at least two decades. That's what I'm looking at, regardless of whether I get a job or not. Unless I magically get a job that pays six figures, there's no reasonable way I can expect to pay this down, so any idea I have to start out on my own just isn't feasible. Unless you get some kind of angel investor, and then it's like 'Okay, hope you know somebody.' “

“One of my other friends ended up leaving college,” John said. “He's managing a Domino's Pizza, making almost fifty thousand dollars a year. He's paying off his student loan and will completely debt free in the next three to four years. He makes more than most teachers in this country who have five times the education he does. It's not for everybody. I mean, I need my brain to be engaged. But he doesn't care what kind of work he does and once he's debt free he'll be able to do pretty much whatever he wants.”

Are they angry?

“Furious. Absolutely furious,” John said. “Because you're told your entire life, 'Go get that college degree and you'll be set up for the rest of your life.'”

“You'll be living the American Dream,” Lisa added. “And here we are.”

“It's a farce,” John concluded.

I wondered if they'd considered getting involved in politics or policy, to try to change a broken system.

“I was hoping when Obama got elected that things would get better,” Lisa said. “But I've so lost hope. I don't think one person can change it. I don't think it's a person in office, I think it's the entire system and I don't know how it can be fixed.”

“I would love to get involved in politics,” John said. “I've applied for jobs with policymakers. But again, how many applications can you send and how many non-responses can you get? And even if I could get a job working on policy, if it only pays twenty thousand a year I can't afford to live. I'm 26 years old and I've never actually had my own apartment away from a parent. Money is simultaneously the best and worst thing every conceived by man. It's great if you have it and it ruins your life if you don't.”

How far do they think they could go if they could just get started?

John looked thoughtful. “When I was in school I read this paper, sort of a socio-economic experiment. They went into a rural school, a suburban school and an urban school and asked the kids 'What do you want to be when you grow up?'” The answers were an indication of how much support they were getting at home, their confidence, their self-esteem, the effect of their environment. The inner city kids wanted to be a subway driver or something like that. The suburban kids wanted to be CEO of their own companies, a movie star, something like that. In the inner city it's either 'I want to be a star athlete and if not that, I just want to be able to pay the bills because my parents can't.' I'm from suburbia and I have those high aspirations, but I think those urban kids were more spot on, honestly. Their aspirations are way more realistic than anything I have. Do I believe that I could be a high powered CEO or President of the United States? Absolutely. Do I believe realistically that it's ever going to happen? Absolutely not.”

“That's the hardest part of this situation,” Lisa said. “You have to reconcile what you dreamt of when you were growing up to what can actually happen. It's hard not to get depressed by it. You have to completely re-evaluate the trajectory of your life, what you thought it was going to be, because it's not.”

Do their parents and other Baby Boomers understand?

“My mother showed me her tax information from when she was twenty,” said Lisa. “I was twenty, too, at the time and making three times what she was making while I was in school. She had a brand new car, no credit card debt, no student loan. She was fully self-supportive on six thousand dollars a year. I was making eighteen, but I was living at home, I could not even afford car repairs. With inflation and student loan debt, it's a completely different world. I try to talk to my dad about it and he doesn't get it.”

“He's helpful at least,” John added.

“Yes, but he just can't grasp what this reality is like for us.”

Simplistic thinking is this generation's enemy.

“I think the biggest misconception among the older generation is that we just have to get a job,” John said.

“Yeah, you're not working hard enough, stop whining,” Lisa said.

“It's just not that easy,” John continued. “I've applied to probably five hundred jobs in the past ten months. The number of actual interviews, traditional job interviews, I can count on one hand. I've had one job offer. And that blew up after two weeks. It's not a matter of working hard, not wanting it enough. I want to be doing more. I'm 26 years old. My parents had full time jobs and were married by the time they were 26 years old. It's a hard thing for me to stomach because I want that and I can't have that.”

Thursday, January 28, 2010

The State of the Union

I am gullible. I admit it. It's taken me years to realize that people often say things they don't mean. Sometimes they say things they mean at the moment and they change their minds. I honestly didn't get it. I thought when you make the effort to form words and put them out there, you meant it. But then my dad was the guy who thought if you dated a woman for more than six months you had to get engaged. I guess irrational connections are genetic. That disclaimer is necessary before I proceed.

I used to listen to Bill Clinton's speeches with awe. I didn't dislike him as a president, thought he was bright and competent, but I didn't trust him. Yet every time he spoke he won me over all over again. I'd shake my head afterwards, trying to break the spell. This is THAT guy, I'd remind myself. He's skilled at saying the right thing.

George Bush Jr. was easy. He believed what he was saying. I always believed HE believed what he said. The problem was I seldom agreed with him. His VP was quite another story - I've never seen a more sinister person than Dick Cheney and I'm convinced he not only lied with conviction but with malice.

Where does that put our new president, on the scale of credibility to the gullible?
He scored well last night. I have never sensed mendacity with this president. I believe he is just as convinced of the truth of what he says as GW was. And I agree with him.

I hope his first year in office has taught him that he must lead, and not lead by consensus. This highly partisan Congress will not achieve consensus. His call to both sides to create a new atmosphere fell on deaf ears. If he didn't expect that, he should have.

I believe the issues he highlighted - the economy, jobs, financial reform, middle class tax breaks, clean energy - are the right ones.

I could not disagree more with his inclusion of nuclear energy and that myth, "clean coal", as part of the country's new energy plan. Nuclear energy has yet to be made practical. It is not practical to have a technology that creates a waste byproduct that cannot be safely destroyed. If we build more plants, we create more nuclear waste. Are we going to clean out a state and designate it a nuclear waste dump?
Until we solve the disposal issue, nuclear power is a non-starter.

Clean coal? There is no such thing. I've looked for it. There is no supporting, independent evidence that the technology exists.

Coal, gas, oil, they're short term answers and I wouldn't invest a dime in any of them. Why put money into your Edsel when the bullet train is available? Solar, wind, geothermal, hydropower...these technologies exist and can be made even more efficient. What if our roofing material was covered with solar cells? What if each home had its own wind turbine? What if each new drinking well for each new home had a companion geothermal well? What if landscaping included a geothermal field?

Education is an issue dear to my heart. My kids are struggling to get through college despite their 4.0 averages. I can't pay their tuition. I pay the interest on loans, I pay hundreds of dollars for books every semester. In a world where a college degree is now a minimum job requirement, this is wrong. The president's limits on loan payments and an imposition of a time limit makes sense. And colleges have to be held accountable; how can they justify tuition that equals the cost of a luxury car each year?

I'm glad the president admitted he's made mistakes. He has. I hope he's learned from them. And I hope he starts flexing the muscle needed to get his agenda passed.

Saturday, June 13, 2009

Letting Go - Not My Strong Suit



It's been a rough emotional week. You don't need the details nor do I need to share them, but suffice to say that I'm getting slapped in the face with the fact that my kids aren't kids anymore. They're young adults. If I even consider forgetting it, I get hit again.

They're good people, my kids. My son's now 22, my daughter will be 20 next week. They're struggling, as almost everyone is right now. They've got the mandatory worries about their future plans that no one except perhaps a zealot ever escapes. They've got talents and they've got interests, but they also worry about choosing the wrong way, putting too much energy into a choice that later proves to be a dead end.

Then they're worried about money. And that worry is compounded by the fact that their parents are worried about money, too. College, something their dad and I managed without much angst, is a loan-heavy monster they both must carry on their backs while I try to find ways to get rich and help them.

They're carrying heavy responsibilities, adult-sized worries that make my heart ache. I want to scoop them up, hold them close and rock them until the burdens fall away. I wish that I still had the super mommy power to make everything alright, to let them rest knowing that they're safe, that someone who loves them dearly is watching over them, someone who would throw herself in front of a freight train to save them. I would still do that.

And there's my conflict. For me, having children was an experience in not just responsibility, but empowerment. I've always been "easy to get along with". I will bend into shapes impossible for a yogi in an attempt to avoid conflict. Unless you mess with my kids.

"You aren't very nice where your children are concerned," my father informed me after I made it clear that teasing his three year old grandson until he cried was unacceptable.
"You're a tiger."

I was. I am. I make no apologies. But my cubs are grown.

So what do I do with this hard-wired imperative to protect them at all costs? They probably, in some ways, wish I could leap in, clear the obstacles, solve the problems, turn them toward a point in the distance and say with confidence, "Go that way. There's your happy future."

In other ways they, quite rightly, don't want me involved at all. These are their lives.

So I am forced to stand by the side, aware of their struggles, longing to fix everything, to save them pain, yet unable to move because I know those struggles are part of what strengthens them for the challenges life inevitably brings.

I am rooted, a coiled spring of potential energy with nowhere to go.

Nobody told me about this part of parenting. Not that it would have helped.