About 'debt to earning ratio'|Debt and Taxes
My Story Raised in a nominally Christian home, I attended church regularly. I performed well academically in public school, earning straight A's. Though I became a Christian at age 13, I was influenced by the worldly atmosphere and was romantically involved with a young man who, I concluded eventually, was not a Christian. But I was determined to marry a Christian, so I broke up with him and attended Seattle Pacific University, a Christian college; there I thought I would meet a nice Christian young man. Unfortunately, there were a lot of other girls with the same idea; there was a 3:1 ratio of girls to guys on campus. Nevertheless, I loved college, both the academics and the social atmosphere. However, I still compromised morally. I didn't drink or party hardy, but I got involved romantically--again--with another young man who, it turned out, wasn't walking the Christian walk. I attained a teaching degree in music education, secondary. I taught music for two years in Alaska, then returned to college, this time to a state university in Washington, for their master's program in music education. I met John there. We got married and started a family, soon learning about homeschooling through a radio interview of Dr. Raymond Moore. I decided I could teach my own children better than the public schools. I started when Naomi my oldest was four, Nathan was two and Aaron was new. Just a few months into it I became very ill, and have been chronically so through two more pregnancies for the last 21 years. I continued to homeschool even as my health spiraled downward, until in 2000 John placed them in the public schools. However, we weren't pleased with the character results in our children, so John brought them back home in 2004, telling them that if their mother couldn't teach them, he would when he got home from work. At that time we were influenced further by Vision Forum and the teachings of Doug Phillips and Phil Lancaster, from which we caught a multigenerational vision. Doug Phillips has a two-CD lecture on How to Prepare your Son or Daughter for College. That lecture radically changed our plans for our children's future. We looked at the scriptures together and observed what appeared to be the model for launching our young into world: "A man shall leave his mother and father, and shall cleave to his wife, and the two shall become one flesh". There is no mention of the man leaving to go to college; there is no mention of the woman leaving at all before she marries. In Proverbs it does say, a man prepares his field before he builds a house. This means, he develops his means of providing for his bride before he builds a house to live in. And Jesus, when describing himself as the Bridegroom, said, "I go to prepare a place for you, that there you (the Bride, his church) may be also." This was how we decided God had designed families to transition their young people into the world. We realized that sending our daughters, particularly, into the college setting was to leave them unprotected and vulnerable without their father's covering. So we decided to make some radical changes regarding college. Here is how our children are doing today. Naomi, 25, was married to Nathan Phillips (also a homeschool grad) at age 19; she has always had a gift with children since she was little herself; she loves to cook and be a mother; she is now carrying her fourth child, has three boys, and is homeschooling. Naomi has a lovely alto voice; she recorded with our family when we made a music CD; she also played piano and electric bass with our family band, Homemade Jam. Nathan Phillips, my son-in-law, works for Nathan Sleadd, my son, as his warehouse manager. Nathan is 23. At age 15 he rode a zipline for the first time; he came home and built a few ziplines to connect with his treehouses on our acre, and decided he could build them for sale. Before he could legally drive he was marketing them on eBay, and I drove him to the p.o. to ship out his kits. He was involved in competitive speech his sophomore and junior years, and went to nationals twice. As a senior he attended the community college to take Calculus and Chemistry, spending the rest of his time running his business out of our garage. He married his duo interpretive partner, Colleen, and has two children. He has developed the Sleadd Adventure Gear brand with a half-dozen employees, and is grossing a million or so each year. He was named Oregon's Young Entrepreneur of the Year, shaking Gov. Kitzhaber's hand to receive the award. Aaron, 21, earned the Iron Man title at regional speech competition by placing in five categories; he became a pianist and drum player and recorded a CD with compositions of his own. When Aaron was a senior, we approached a Christian computer programmer named Stephen to ask him if he would train and apprentice Aaron in his field. Stephen agreed to do so, and after 18 months Aaron was ready to enter the workforce. He then worked for Nathan for a year as his marketing director until Stephen offered to hire him as a partner in his business. He is now very well paid as a computer programmer, ready to embark on being a provider. He is currently engaged to Emily, another homeschool graduate and speech competitor. They will be married June 8th. Alexa, 19, is living at home. She has been a speech and debate beast, winning many medals, and won the Oregon Right to Life Oratory Contest for two years, the maximum allowed. She then won second and third place at the National Right to Life contests. She has become a professional photographer, actress, artist and graphic designer. Alexa initially started earning college credit by taking CLEP and DSST tests, and had a College Plus counselor helping her. She had earned 21 credits when she went to the Chicago Family Economics conference in 2012 and came home with a new vision, yet needing direction. Her father helped her launch a company called Gabrielle Imagery, through which she marketed her graphic-arts and drawing skills. I helped her by putting up a Facebook page, and she got a client right away. Now she is working as an intern for a marketing company called Define Your Edge where they are training and paying her, in Grants Pass. She also tutors two homeschool children who are neighbors. She has been defending the preborn on college campuses and at public rallies. She is welcome to live with us until she marries. Caleb, 16, is a sophomore in high school. He is taking Chemistry online through Apologia Academy. He is competing for his third year in speech in apologetics. He is in Algebra II this year in Saxon Math, and he is considering computer programming or engineering as a career. With that in mind, I anticipate that his high school years will include math all the way through calculus, just as Nathan and Alexa have done, and some sort of apprenticeship and project during his senior year that will earn him dual credit for both high school and college. We are considering funding his building a solar power system for our house; I have purchased tutorial videos for building solar panels so he can learn how at home. If I seem to be opposed to attending the traditional brick and mortar college, it is not because I devalue academic rigor. On the contrary, I believe in holding to very high standards of both academic mastery and moral integrity. Why should we pursue high academic standards? 1. The fear of the Lord is the beginning of wisdom; fools despise wisdom and instruction. (Proverbs 1:8) Knowledge is a highly-held value in scripture. 2. Our children, especially our sons, need the "intellectual capital" to give them an edge in the economy. By intellectual capital, I mean a specialized skill or high level of knowledge that a majority of people do not have, for which they are willing to pay a goodly sum. If your sons are to compete well enough and earn a high enough income to support a family, they need to keep high academic standards their goal. Only 9% of American high school grads are pursuing science in college. This represents an opportunity; if your children pursue the sciences, they will be in high demand. It does not necessarily follow that one must go to college to attain high academic proficiency. A good high school education should be the equivalent to the first two years of college. Colleges have dumbed down their programs for the sake of filling up their low-achieving entering-freshmen classes to such a degree that the first two years is largely a waste of time for those with a good high school education. (My college allowed me to be exempted from general requirements for my degree because of my GPA and test scores--even though my high school education was unremarkable.) What should high school look like for our children to be prepared for life? There are a lot of options, but academically I believe these are the priorities: a. 4 years of English i. speech ii. logic/debate iii. Latin/Greek roots iv. writing/grammar b. 4 years of science i. biology ii. chemistry iii. physics iv. applied science/computer science/graphic arts c. 4 years of math--as high as they can go and at whatever speed they can go d. Electives of your choice: music/art/pe e. mentorship/apprenticeship of 3-6 months I strenuously advocate mathematics as essential for training the young brain to think. It also is the language through which we can explain and understand science--it is the language with which God speaks to us regarding the laws of nature. If your child is unable to make it all the way through calculus, at least keep him going through math at the speed he can handle, while gaining mastery and confidence. (Caveat: Bible should be first and last the most important source of all study at all ages, incorporated into all disciplines and discussions. I am focusing for the purpose of this article on the academics.) REASONS TO ATTEND A BRICK-AND-MORTAR COLLEGE Why go to college? For one thing, it is NOT for the purpose of finding a spouse--yet how many of us went there for that unspoken reason? Is it for high academic pursuits? Well, I would hope so--yet (according to the newest stats) the average college student today spends more time partying and playing sports than studying. But maybe your child will be different. (Don't count on it.) There are indeed a few highly specialized fields where you need to pursue a college degree: medical doctors, nurses, nuclear physicists, veterinarians, science researchers, post-graduate degrees, etc. Those who pursue what Dr. Art Robinson calls the hard-science fields (physics and chemistry) may find they need the on-campus experience with access to the laboratories and expensive equipment. HOW YOU CAN BEAT THE SYSTEM However, it is getting easier all the time to gain that knowledge from your own home, or out in the "real world" with a laptop and internet access. MIT now has all of its course content available for free online, and many colleges are following suit. It only requires that you be motivated enough to read and work your way through it without a professor to hold you accountable. You can teach yourself most of what you need to know, and then take the requisite tests necessary to get college credit or certification in your field. There is a very good company started by a homeschool graduate named Brad Voeller that has systematized this approach, called College Plus. This program provides your student with a personal counselor who will coach him biweekly through the process. They utilize the CLEP and other standardized tests that are accepted by most colleges for credit. There really is no reason you can't earn at least a Bachelor's degree for a fraction of the cost of a brick-and-mortar college. Help is also available through the CollegePrep program now offered by College Plus , wherein your high school student will learn how to earn dual credit for both high school and college while still at home. They will be assisted in attaining study skills necessary to become a good college-level student, critical thinking skills, memory and speed-reading skills, etc. It is a half-year to one-year program depending on what pace you choose to go through it. You also get biweekly coaching from a homeschool mother through this process. You can beat the system even further and save thousands more dollars without using C+ and doing it on your own. Keep your own schedule, figure out your own course of study, etc. You have to be highly motivated. Just buy the book Accelerated Long-Distance Learning by Brad Voeller. Buy other books from the C+ Bookstore and go at it on your own. Another resource was founded by a former engineering professor, Dr. James Bartlett, who offers a course of home study for science, business, agriculture, medical and many other majors and minors that will coach you through a college education without taking standardized tests or needing a degree from an accredited organization. The organization is called Biblical Concourse of Home Universities and offers web-based coaching with teachers who share a biblical worldview. It has a great bookstore with college textbooks and hands-on project-oriented materials for at-home study. REASONS NOT TO DO COLLEGE Why not go to a traditional brick-and-mortar college? 1. No such Biblical model Jesus was homeschooled. He learned at home, and perhaps under the tutelage of rabbis in His local synagogue in Galilee, though it is not mentioned in scripture. His home study was sufficient to cause the learned men of Jerusalem to be amazed at his abilities at age 12. He stayed subject to his parents until age 30. His father Joseph taught him his trade as a carpenter, and Jesus worked for him until he was ready to start his ministry. That was the Jewish way, and Jesus implicitly endorsed that way by following it himself. 2. Moral debauchery and compromise Nathan Harden is a 2009 graduate of Yale and author of the recently published book, Sex and God at Yale: Porn, Political Correctness, and a Good Education Gone Bad . His book documents the events of Sex Week at his alma mater, including the screening in classrooms of hard-core pornography. The details of what occurs, not in the dorms, but in the classrooms with the consent and endorsement of professors, are too sordid for me to print here. Harden says, "Unfortunately, what's happening at Yale is indicative of what is occurring at colleges and universities across the country. Sex Week, for example, is being replicated at Harvard, Brown, Duke, Northwestern, the University of Illinois, and the University of Wisconsin. Nor would it suffice to demand an end to Sex Weeks on America's college campuses. Those events are, after all, only symptoms of a deeper emptiness in modern academia. Our universities have lost touch with the purpose of liberal arts education, the pursuit of truth. In abandoning that mission-indeed, by denying its possibility- our institutions of higher learning are afflicted to the core." This is the case on secular campuses, but don't think you're going to avoid compromise on the Christian campuses. They may not have Sex Week, but there is nonetheless plenty of romance and couplings going on. At SPU even 3 decades ago, there were drug and drinking parties, and hetero- and homosexual sex among students, in student residences very close to campus as well as on-campus. The reason is that even among the most devoted Christian young people, when they are placed into a 24/7 environment without the protection of the father, the daughters are unprotected from the advances of young men, and foolishness and sin abounds. Now, I have friends whose son is attending Patrick Henry College, a Christian college started by Michael Farris of Home School Legal Defense Association, for homeschool graduates in particular. I have great respect for my friends, but they will admit to you that there is moral compromise occurring there as well. If you take seriously the biblical requirement of fathers to protect the virginity of their daughters, you have an uphill battle to do it long distance. I'm not saying it's impossible, but it will take great effort. 3. Money To attend a brick-and-mortar college you have to either save the equivalent of what you would pay for a house, ($22,000/yr for a state college and $29,000/yr for a private school) or go into debt, or get a very generous scholarship. Most scholarships will only get you through the first year or two, and then once the college has your child hooked, the scholarships dry up. I think it is a huge mistake for a young person to start out life as a college grad with tens of thousands of dollars in debt. The data shows that the wages they can earn in most fields no longer adequately compensate them for the debt they incur to prepare for those fields. It is fiscal insanity. MORE ALTERNATIVES TO THE TRADITIONAL ROUTE 1. Take certifying exams, get work experience in your field of interest/expertise. Example given: biblicalconcourse.com 2. Internships, apprenticeships. Example: Aaron's story above 3. Teach yourself online; tutorials abound. 4. Start a business of your own. Example: Nathan 5. Vocational training at local junior college. Just take the classes you want; don't bother with the degree. 6. Find a friend who can help you learn. Use Skype or similar social networks. 7. Be a servant; offer to help in the office of a ministry or business or political candidate. Make yourself useful as a volunteer and show yourself worthy of compensation. 8. Buy the software program that is considered required for the field you are interested in, and learn how to use it. Go on Craigslist and see what computer program skills employers want you to have, and teach yourself. 9. Read. Read. Read. And then read some more. I have always told my kids, "Everything you ever want to know can be found in a book." Now I tell them if it's not in a book, it's on the internet. If you must go to a brick-and-mortar college, consider these alternatives: 1. Live at home while going to college. This helps avoid the morally-compromising bachelor-pad lifestyle, and saves mucho buckos. 2. Live with a godly family who will hold you accountable to maintain a healthy social life while going to college. 3. Get married while going to college. (This has its financial and marital drawbacks too.) 4. Keep in touch daily with parents. My mother-friend mentioned above texts her son daily, and he tells her everything. They are in a good relationship, and after all, that is what's most important. Let us be very clear: we are not preparing our children for college; we are preparing them for life. College is only a means to an end. We should, in fact, be raising up life-long learners. They should have a love for learning that extends throughout their lives, regardless of age and stage. Resources Douglas Phillips, How to Prepare Your Son or Daughter For College, 2 CDs, visionforum.com Brad Voeller, Accelerated Distance Learning, Global Learning Strategies |
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