College Students: Have Your “Ruh Roh” Moment Before Choosing Your Major!

ruhroh8 College Degrees with the Worst Return on Investment: 

8. Sociology
7. Fine Arts
6. Education
5. Religious Studies/Theology
4. Hospitality/Tourism
3. Nutrition
2. Psychology
1. Communications

To my children and college student friends: If you are borrowing money for an education, make sure you do so for something that makes you more valuable in the workforce, not less!

Learn from me, a sociology/psychology major who has worked in education, communications and religion and married a fine arts major. The bad news would make me eat better and take a vacation, but I can’t afford either. I am 8 out of 8 on this data, bro.

Kari and I have a great life. But we have struggled with money, broken cars, deferred home maintenance and still struggle to keep credit cards paid off. The first vacation we paid for ourselves came in our 20th year of marriage. And we didn’t have student loans. If we had to pay today’s tuition prices we would have been paying off our student loans deep into our 40’s.

Those loans will follow you forever. It is easier to get out of needing oxygen than student loans. So make them count!

O, and the really bad news: My really smart, super fun, very personable friend with a PhD in Old Testament from a prestigious East Coast university can’t get Starbucks to even interview him.



And I am not saying you shouldn’t serve God. You can serve God with a chemistry or engineering degree…maybe even in full-time Christian service. But if you don’t have a degree with cash value, you have no fallback and no way to pay off the loans that will keep you out of the low paying ministry job you feel called to.

The best part: When I checked the preview for this post, an ad for Liberty University online popped up offering student loans for a degree in theology. Appropriate.