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Brittany Dalberg

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$118,000 in Debt

Posted: 02/15/11 06:25 PM ET

I graduated from Linfield College in May 2009 with a Bachelor's of Arts in World Religion.
After graduation, I moved to Portland, Oregon, where I found work as a way-below part-time barista for minimum wage. I struggled to pay my rent for six months until I finally decided to move back in with my parents -- in Alaska -- and save some money.

I hoped to find a full-time job there, but ended up making coffee part-time all over again, for $8 an hour. Meanwhile, my six-month grace period for my loans ended, and I suddenly found myself facing $118,000 in student loan debt.

Ten months later, I still hadn't found a full time job, and I was over living with my parents, so I took the savings that I did have (which wasn't much) and moved to Olympia, Washington.
My goal was to find an entry-level state job, but the moment I got there, the state put a hiring freeze on the government jobs, and I was back to square one.

I spent August to October 2010 unemployed and applying to everything. EVERYTHING. It didn't even matter anymore what it was. But I wasn't hearing back from anyone. I'm curious how someone who has an excellent college education can't even get an interview at Costco.

All the while, I was paying rent, utilities, car insurance, credit card debt and, of course, my student loans. My loans alone total over $500 a month. Minimum payments.

I finally found a job at a craft store for minimum wage, roughly 15 hours a week. I've held on to it, but I am still failing at finding a second job or any full time work. I've racked up my credit card debt so that I can simply buy essentials, like gas and shampoo.

Of course, I've tried deferring my loans, but they won't let me. They've set up these unobtainable standards for people who need to defer. People who are struggling--really struggling--can't catch a break.

I am curious as to why some people I know, who have their GEDs and no college degree, have an easier time finding fulltime work than someone with an education. Our society tells us college is a necessary step; that a whole world of opportunities will open up to us simply because we have a degree, but I almost feel I've been lied to. My undergrad education is meaningless in the working world. I need to have at LEAST a Master's to be acknowledged. But now I can't even afford grad school.

What does this tell us about the education system in America?

 
 
 
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01:06 PM on 04/12/2011
It amazes me how cold so many of these comment are. Brittany, I feel for you, the economy is terrible and yes we were all told that just having a college degree would get us job. Now that we are all older and wiser we know the reality. Stay strong, keep the faith and yes try to find ways to focus your interest and start interning/volunteering. The peace corp could be good for you as well as it can also help you get funding at grad school programs when you return, which would make the needed masters more of a possibility. Don't let the haters take you down. If you got through a degree with a good college like Linfield you will have what it takes to navigate your future! all the best!
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Moe Sislak
07:13 PM on 03/24/2011
I'm sorry about your loan issues, I'm also a student (history major) and I have some loans but never in a hundred years would I think it's logical in any way to spend 118k on a degree in the arts, like history or religion, I'd understand doing that if it's a degree in finance, marketing, business, engineering, etc. but come on. How did you think you'd pay back that money with that degree?

Everyone does think having a degree opens the world to you but if a student is staying educated about the world they live in and not just their classes (looking into jobs in the field they may get into - the pay, the requirements, etc) they'll soon realize the degree will give you an advantage in some jobs but most jobs have a much higher appreciation for EXPERIENCE than they do for someone fresh out of school with no experience in the job they're applying for.

As a history major I know I'm not going to find a huge field of jobs but thankfully, working at my university has a student has given me almost 3 years of administrative and customer service experience that will help me get a job in that field, once I have my foot in the door THEN I can expect my degree to help me raise in the ranks faster than those who don't have them.
10:27 PM on 03/22/2011
Sweety, I am currently going to Linfield college as a second year student. I have no money from my parents - I am paying everything on my own. I am currently a Math major, have three job offers once I have the piece of paper in my hand. When I graduate, I will have half the debt you do. There is nothing wrong with the education system, There is a little bit wrong with the American economy in the sense that sometimes you won't get a job because you are 'over-qualified' - which sucks - but, the biggest problem is with you, hun. You choose the wrong major. There is no place for a religious studies major. You do two things with a degree like that - flip burgers - and teach at the college level. My dear, you complain about the education system, and blame the school and the economy, but dear, it's you're own choosing that did this. And when it comes to your loan, you blame the government's student loan system. I sympathize with you, but only so far. Especially at Linfield, where we have such a strong science program, you picked Religious Studies. At this point, all you can do is pray to Allah, or Kali, or God, or Thor.
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clearthinker2008
we need to respect each other
10:29 AM on 03/17/2011
Places like Cosco, and Walmart doesn't want educated workers. They might start demanding rights and stuff.
12:17 PM on 03/06/2011
I remember being a Fashion Design major freshman year. I think I realized how cut throat it was when my program had over 500 students in the program but only 35 spots availabe for the next phase( Yea, The Hills and Project Runway had my head in the clouds for a bit!!!). I didnt have the time or money to waste. So I swithched to Fashion Merchandising with a minor in business. Got an internship with a major retailer and landed a job straight out of college with an up and coming jewelry company as an account manager.

I'm glad I took the time to weigh the pros and cons of my major because I seriously don't think I would have a job right now if I had stuck with it. I still do what I love, I'm just more knowledgeable on the business aspect of it, not to mention employed.

My point is, did you weigh the pro's and con's? I'm assuming the the job sector for your major is miniscule so what was your back up? Are you utilizing all of your resources? I knew a barista who nailed a job just from networking with one of her regulars. Keep fightin'!!



I do wish you all the best in your search! Blessings....
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PolitiConservative
reasoned debate welcomed here
10:37 AM on 03/03/2011
"What does this tell us about the education system in America?"

OK, but you asked.

This tells us nothing about the education system in America but a lot about avoiding absolutely foolish decisions that span over four years. Instead of going to a state school and working through college where you could have come out with one-quarter of your debt (or less), you chose to attend a school that left you over $100,000 in the hole. What on earth led you to believe you would be able to pay that back with a degree in World Religion from a school that I bet many people have never even heard of? American post-secondary education may have many have many issues, but your situation is one wholly of your own making.
10:18 PM on 03/02/2011
As a young person, I think a lot of young people sell themselves on hoop dreams..only to end up getting dunked on by reality. dreams are worth nothing if you cant figure out how to turn them into a reality. In addition, if you choose to plow on towards a degree that offers you few prospects, you do so at your own risk. My "dream" was to be in event organization, and I even worked (self employed) as a promoter to see the business first hand. I opted to go to a community college, dual majored in both an art and a science program, which allows me to balance the things I liked most about my dream with demonstrated ability in practical problem solving and analytical skills in a science, that while it may not WOW me, also allowed me to have an escape chute in an in-demand field I can live with having a career in (because ill be the nerd with the people skills). Im now headed off to a great school in the fall as a double threat, a boatload less debt, more hireable for part time work at higher wages than an equivelant junior, and a resume that already raises eyebrows.

Maybe I will be organizing those events after all...for a major pharmaceutical or health care company? look me up in a few years :)
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Michael Morrison
Proud Dad, Engineer, Aspring Geophysicist
05:32 PM on 02/23/2011
If you want to major in the Liberal Arts, World Religions, or whatever, that's GREAT. These topics have value, and can contribute to making a better person.

But that was your decision, and I don't want to pay for it.
08:44 AM on 02/23/2011
To Brittany --

OK, you've figured out that college degree does not = employment. But perhaps what you still haven't figured out is that often LACK OF FOCUS = unemployment.

Ask yourself, "why did I study world religion"? Are you a religious person? Are you inspired by religious/charitable works? By helping others? If so, have you ever considered a career at a major charitable organization? Focusing on that area might make more sense than just sending resumes off to the large corporate entity du jour. I mean, do you even want to work at a corporate setting or at Costco? If not, why are you applying?

If you have a focus, you will eventually find your way. For example, you could always approach a charitable org and do volunteer work. It gets you in the door and you start to make connections. You find out about job opps or who to speak to. You are not coming in cold b/c you already have the "in" of being a volunteer. Etc. Etc.

I hope this does not come across as condescending. Find some focus and go from there. Best of luck w/ your search!
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mendelcrosses
09:09 AM on 02/23/2011
You right in theory,but i am afraid its a little different out here. What you said is what an academic dessertation would look like but once you start building the system,you then realise that an academic dissertation is simly about who can spell correctly,write over 20K words - in the case of Bachelor degree - and have their grammar correct,most of the time.

This bit is probably out of place but considering all i have just said above,it begs the question, How did Palin managed to gain a bachelors degree? She cant spell,her grammar is never correct and she cant string two sentences coherently
11:56 AM on 02/23/2011
Most Bachelors degrees don't require dissertations in the US. Mystery solved.
12:04 PM on 02/23/2011
Huh? All I'm saying is get a job waiting tables and figure out your next move. Do some volunteering, stay active, make contacts, keep an open mind.

How is Palin relevant to this conversation? The world is NOT a meritocracy. If it were, smart ppl would not be unemployed, and Beck would not make $100K let alone $12M/yr.

The key is figuring out how to survive and stay afloat in a world that is not a meritocracy.
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McMarcia
12:58 AM on 02/23/2011
These are really tough times, the Great Recession means that many college educated people are not finding positions they would normally find in a normal or growing economy. So there is nothing wrong with taking any job you can get, appreciating the opportunity, and hoping for better days ahead.

I suggest that you consider the military, Teach for America, or the Peace Corps at this point. All of them are hiring, and all have government benefits. At this point you are just existing on a part time job, with any of those positions, you can move forward with your life and put some really meaningful things on your resume for the future private sector. Best of luck!
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Michael Morrison
Proud Dad, Engineer, Aspring Geophysicist
12:48 AM on 02/23/2011
A liberal arts education teaches one how to enjoy life.

Just not how to pay for it.
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mendelcrosses
09:12 AM on 02/23/2011
You are not supposed to pay for education - you pay for it when you come out and start paying taxes.
The system works in Germany and everyone of the Nordic countries and their universities and all orld class,something that cannot be said of most of these American colleges that drives people in to huge debts.
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Michael Morrison
Proud Dad, Engineer, Aspring Geophysicist
01:32 PM on 02/23/2011
Who says you're not supposed to pay for education?

Regarding Germany and the Nordic countries. I agree that education there is top notch; however, it is not ON DEMAND...Only those who qualify can attend.

Regarding $118,000...That's 'cause she sent to a private school. Public schools are heavily subsidized by Taxpayer $$$, and they cost much less.
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Michael Morrison
Proud Dad, Engineer, Aspring Geophysicist
12:23 AM on 02/23/2011
A few years ago, when my daughters were in High School, I remember the teachers telling us that they were teaching "Critical Thinking Skills" to our children. I believe this meant "don't worry that they can't balance a checkbook without a calculator...we're teaching something important."

Anyway, with all those critical thinking skills under their belts, I don't understand why these kids have never thought to do a simple Cost/Benefit analysis.
09:27 PM on 02/22/2011
You can get a degree in anything you want, but unless you are capable, hirable, and workable, you're screwed.

I love listening to some of these stories "oh, I can't find a job, why won't anyone hire me?"
Answer: because employment is fierce competition and you haven't the right "stuff". My advice to those just graduating high school: get yourself an entry level job working full-time in the industry you're interested in, and attend college part time around that. When you graduate, you've hopefully gained tremendous experience and the degree. It's a winning combination, and necessary in today's job market.
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Ohioan4truth
I'm just an average, ordinary guy.
06:32 PM on 02/22/2011
The well-educated, those that have decades of experience in a career and the recently graduated are competing for jobs that require a basic proficiency in math skills and reading abilities. Now, guess who will remain in that minimum wage job with no hope for advancement until the cows come home?
 
The educated individual who's hopng to better themselves or the coaster?
 
I hope your're intelligent enough to give the correct answer to my social study assessment lesson.
 
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Jeremy Ailes
renaissance geek
05:05 PM on 02/22/2011
I think the lesson here is that's it's okay to chase your dreams, but be aware of what that means. Why build up 118K in college debt if you're going to take a job that can never approach that in earning potential?