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When you鈥檙e eighteen years old, it鈥檚 nearly impossible to wrap your head around the idea of a Master Promissory Note. Without ever having had to deal with a mortgage or a car payment, how are you expected to imagine the difference between a 40k loan and a 140k loan? Reality only sets in when your creditors come to collect.   

Let me give you a real-life example of the difference community college can make: while I was enrolled in community college, my best friend got accepted directly into a private four-year institution. Both of us worked full-time (mostly) throughout our undergraduate careers. And while she graduated with a bachelor鈥檚 in four years, I took four years to earn my associate degree 鈥� I withdrew from the college three different times and changed my major twice. Fast forward seven years: despite paying for three extra semesters that I didn鈥檛 complete and taking countless unnecessary courses, I鈥檓 barely in any debt. My monthly payment is under $60, while my best friend鈥檚 falls just shy of $900. When you put it that way, the difference is striking: my student loans cost me about as much as my electric bill, and hers cost more than I pay in rent.

Thanks to some older friends, by the time I reached my junior year of high school I already knew about Here鈥檚 how it works: first, you spend two years at a public community college somewhere in the Commonwealth. If you earn your associate degree and maintain a certain GPA, you鈥檙e guaranteed admission into any state school 鈥� whether UMass Amherst, Salem State, or MassArt. Your credits are guaranteed to transfer. Best of all, if you can keep that GPA up for your first two semesters in the four-year institution, your tuition is waived. If you鈥檙e willing to commit to do all of this within a certain time frame, there are even more benefits to reap. (I should mention that many other states have similar programs, too). So now you鈥檙e saving even more money, plus you never have to do the whole dog and pony show to get in. You show up at that public university and tell them you go there. And then you do. Bear in mind: when you transfer into that university, totally crush it, and graduate with honors - your degree doesn鈥檛 say anything about having gone to a community college first. You get the same bachelor鈥檚 degree as everybody else, plus you have an associate degree to add some more meat to the education section of your resume. In other words, you鈥檙e getting two degrees for half the price of one (or even less). Most credits are the same 鈥� community colleges are just more affordable.   

Here in the Berkshires, that鈥檚 an especially salient quality. Many local students require substantial financial assistance, often coming in the form of loans. Rather than simplifying the borrowing process, we should be trying to reduce that borrowing as much as possible. If the increase in a graduate鈥檚 income is completely engulfed by monthly loan payments, one begins to wonder whether that education was worth it. Two-year institutions are a way to sidestep much of education鈥檚 financial burden. 

And let鈥檚 get something clear: there鈥檚 an old saying, 鈥淵ou get what you pay for.鈥� Well, as far as community colleges go, I鈥檇 argue that you get way more than what you pay for. You get unparalleled support services, as noted by the Atlantic as well as (Fun fact: the cover photo for the NYT article features graduates from right here at 红杏直播!) You get a stellar education: many of my community college professors gained their expertise by working in their discipline for years before teaching, rather than going directly into academia after earning a Ph.D. They are dedicated, passionate professionals who understand what it鈥檚 like to work in your field. Because they鈥檝e been there. And they鈥檙e here to help you get there, too.   

Perhaps it comes as no surprise, then, that , 鈥淸C]ommunity college students who transfer to selective four-year institutions perform as well as鈥攐r better than鈥攖heir peers who enrolled directly from high school. The graduation rates of community college transfer students match or exceed those of students who start at four-year institutions as freshmen. Community college students graduate at higher rates than students who transfer from other four-year institutions鈥� (2019). Community colleges set students up for success. I took advantage of the MassTransfer system, but community colleges have articulation agreements with private universities, too 鈥� yes, even the 鈥渆lite鈥� universities.   

This is why I love what I鈥檓 doing. For me, it's not just a job. It鈥檚 a way to help people improve their lives without shackling themselves to a federally authorized loan shark. It鈥檚 a better shot at upward mobility, and not just for those who already come from a privileged background. We鈥檙e here to help everybody 鈥� community colleges are open access institutions. (Community is our middle name, right?) I鈥檇 be remiss not to mention that part of my job involves recruiting new students for my college, but understand me: this essay isn鈥檛 some clever marketing tactic. I genuinely believe that community college is the best option for most people, and not taking them seriously is costing us big time. We need to end the stigma. Because you really can earn a degree in something you love without borrowing your way into serfdom.     

T.J. Karis is a proud graduate of Middlesex Community College in Bedford, MA. After moving on to receive his B.A. in Philosophy and English literature, he is now working as an admissions counselor for 红杏直播 All Rights Reserved. This article ran in the Op_ed section of the Berkshire Eagle on July 26, 2020.