.
Feedback

First Person: San Leandro College Student Says Her Generation Sees School Debt Ahead

Angela Marrujo shares her story in response to a Patch story on college debt.

(After a recent Patch article about , San Leandro resident Angela Marrujo joined a discussion on our Facebook page. It led her to write this lightly edited first person account of what she and her college-educated peers can anticipate.)

I'm not really sure where to begin, but I guess I'll just describe my experience at San Francisco State University so far.

I graduated from San Leandro High in 2009 and am currently a Junior and in my third year at San Francsico State University.

In my first semester, getting classes wasn't too difficult, and I was able to immediately start getting my general education requirements out of the way.

I was, however, surprised by how expensive tuition was, and disappointed that when I got back the results of my Free Application for Federal Student Aid (FAFSA). I was told that my parents made too much for me to qualify for grants.

The one loan I qualified for and accepted didn't even fully cover the cost of tuition and I had to come up with $600 out of pocket to pay it off. I then had to take out a second loan to be able to continue to afford to go to school.

I am currently relying on a subsidized and unsubsidized government loan to go to school, and owe SFSU about $18,000.

The cost of attendance isn't just in the tuition. Books are outrageously priced for college students and unjustifiably so in my opinion.

Last semester I spent over $500 in books. This semester I spent around $300,  and previous semesters books have ranged between $300 to $400.

What's worse is that when you go back to the SFSU bookstore to sell your books at the end of the semester, you're given a fraction of what you paid for them. Last semester's return was the worst: I got about $60 dollars back from a $500 investment. That's a little more than 10% back from what I shelled out.

Don't get me wrong, I'm grateful for any little bit to help, but come on!

Tuition has risen substantially due to all of the fee hikes the state has imposed on Univeristy of California and California State University campuses.

Usually at the beginning of my semester when my tuition is paid for, I'll get a check from SFSU for the extra balance of my loans that wasn't needed, and I'll use that money to pay for my books.

Each year the remaining amount I get back continues to shrink as the cost of tuition and fees go up and I worry that it's going to reach a point where my loans won't cover the costs anymore. I'm already being supported by two loans, I don't want to take out a third. That would be ridiculous.

I work part-time which helps a bit. I make about $300 to $400 dollars a month if I'm lucky. I commute to school daily on BART, which is $9 a day, five days a week. That's roughly $180 dollars a month on commuting alone.

Eve so, I'm lucky to live at home, which cuts down on what I'd be spending on rent, food, utilities and etcetera if I were living alone or with roommates

The budget cuts on CSU and UC schools have affected how many classes are available for enrollment every semester. Classes needed to satisfy GE requirements are snatched up instantly during registration times, and classes needed for your major are always in high demand: whether or not you get into them has turned into a matter of chance.

This in turn causes you to have to wait until the next semester to take what you need which in turn extends the amount of time needed to complete your degree. The longer it takes the more you owe in tuition.

It's a vicious cycle that seems never ending and it's frustrating when SFSU says you need certain classes to graduate and they don't have the resources to provide enough of them.

That's a sample of what my experience has been so far with college and SFSU.

I'm sure there's more I could say, I just didn't want to overwhelm you with too much info

David November 23, 2011 at 11:13 am
Back in the ancient days of yore, I worked nights on the weekends (pay $6.15/hr, so about $400/month) at a hotel to help pay the bills. Your part-time must emphasize the "part."
But anyway, the class situation could be fixed if the UC system stopped hiring so much deadwood administrative staff (again, now up to a ratio of 1 staff: 1 teaching person) and instead hired actual teaching staff. Given the huge number of unemployed and unemployable liberal arts grads, I'm sure they could hire some good lecturers for half the price of some "diversicrat" holed up in some useless office.
Larry Smith November 23, 2011 at 12:06 pm
College education today is a joke and has become nothing more than big business to milk student loan money from unsuspecting students. Beside legitimate colleges, there are colleges of 'massage therapy' and everything else under the sun where students are forced to pay outrageous fees for a minimal education funded by student loans guaranteed by the government. The fine print on these loans snare the student for life, and worse, they are the primary reason college costs are rising as rapidly as they do. And if the student can't pay the loans back---too bad---the interest just keeps getting added on to the principal, and eventually the loan, interest, and late fees must either be paid back, or they will, in the end, be deducted from your Social Security checks when you retire; that's the law. My wife attended beauty college in Hayward during the 1960's. The total cost for her education for two years was only $360. Today, thanks to student loans, that same two year beauty college education is well over $40,000. What happened? Student loans, that's what!
Tom Abate (Editor) November 23, 2011 at 01:07 pm
You think the availability of loans pumped up tuition? I don't understand what has driven education inflation but it seems hard to swallow that schools charge more because they can.
David November 23, 2011 at 01:58 pm
Of course they do. Tuition's up for two main reasons in my opinion (and that of real economists): 1) the associated wage premium with college degrees (shrinking) and 2) the availability of student loans. The student "sees" the initial cost, let's say $5,000, and mainly ignores the debt, as that's to be paid later. So if loans were $5,000, the school will charge $10,000. If loans available are $25,000, the school will charge $30,000. It's the same deal with buying a house. Without a down payment, prices go up, because an additional $100,000 in price on a $500k house is "only" $600/month in mortgage payments, which seems more doable to most people than coughing up $100,000 upfront for a down payment.
ken November 23, 2011 at 05:56 pm
I couldn't afford to go to a real college today. In the late 60's a semester at SJS would run only about $1000 for rent, utilities, food, books, fees everything (if one lived like a pauper). Today it's probably more like 10K a semester
Craig Williams November 23, 2011 at 05:58 pm
Some of the blame goes to to administrative costs, students last year chanted "chop from the top" when faced with education fee increases. Competition for coaches and celebrity professors adds prestige to a school or at least that's the justification. If commercial property can get away with not paying their fairs share , and this is very well documented by www.caltaxreform.org , then students will have to make up the difference. A great target for college student campaigns should be the commercial property tax scam which has a direct relationship to tuition and fee hikes.
Angela Marrujo November 23, 2011 at 06:18 pm
Your part-time must emphasize the "part."
I work not only nights on weekends, but nights (including shifts starting at midnight), days, and all day and through the evening on weekends. I'm a low-level supervisor at my job, and take all the shifts assigned to me and whatever shifts open up that I can work around with my school schedule. What is frustrating is that despite how many hours I work and however much I make, I wouldn't be able to afford school without these loans. Many of my peers are in the same situation. The cost of a college education shouldn't be as much as it is, because it used to be feasible to at least afford the bulk of one's tuition while working during school. I know that times have changed and so many things have increased in price throughout the decades, but this is one thing that shouldn't be so prohibitively expensive.
David November 23, 2011 at 08:06 pm
Tuition has increased at a rate that's about 5 times that of general inflation, so you're right it's gone up even more than other things. 30 years ago, there was a ratio of 3 teaching staff to one administrator, now it's 1:1, and that's because administrative staff has been added (there's been a net zero addition of faculty in the past decade or two). Since I don't think professors' salaries are up 6-fold relative to tuition, I would bet that the lion's share of the tuition increases are due to increases in administrative staff.
Larry Smith November 23, 2011 at 09:01 pm
True, and even worse, colleges are now required to teach high school remedial classes because too many high school teachers are passing the buck on learning . When a student fails, there is a complete lack of commitment on high school teachers and 'administrators' to correct the problem, and instead they graduate the dummies that are now sapping away billions of tax-payer dollars on remedial education; which I believe is part of the educational complexes plan to foster growth in their professional unions. Chabot College recently offered one section each of Italian and Japanese language classes BUT they offered nearly eighty (80) sections of remedial English and/or English as a Second Language. Obviously,bright, literate high school graduates are being greatly short-changed at the expense of people who are for the most part being baby-sat by a system that is helping them receive college loans to take classes that benefit no one except the colleges who are receiving the loan monies in the form of tuition, fees, or overpriced text books. Then they graduate to find themselves somewhat challenged to locate a job that doesn't have food-server or barrista at Starbucks in their title. That is why we have so many administrators in college. We need them to scam all the students into those great loans that the students will spend a great portion of their lives paying back.
ken November 23, 2011 at 09:26 pm
Larry..Are College Prep level classes even a factor in High Schools these days?
Milan Moravec November 24, 2011 at 08:32 pm
University of California campus chancellors vet campus police protocols. UCPD
report to chancellors and take direction from their chancellor. UC Berkeley Chancellor Birgeneau and UC Davis Chancellor are in derelection of their duties. UC Berkeley Chancellor Birgeneau and UC Davis Chancellor need to quit or be fired for permitting the brutal outrage on students protesting tuition increases and student debt Opinions? Email the UC Board of Regents marsha.kelman@ucop.edu
Tom Abate (Editor) November 27, 2011 at 12:17 am
Thank you for joining the discussion. We'll hear at least one more time from Angela, on the subject of tuition increases.
Milan Moravec November 27, 2011 at 07:51 pm
Brutal use of batons by UC Bekeley Chancellor Birgeneau on his students protesting increases in tuition.
Fire, retire Cal Chancellor Birgeneau.

Newsletter & Alerts

Get the best stories each day and important breaking news

Subscribe

Not from San Leandro Patch? Find your Local Patch »

Note Article
Just a short thought to get the word out quickly about anything in your neighborhood.
Share something with your neighbors. Write a new post... What's up? Make an announcement, speak your mind, or sell something
Rob Rich June 19, 2013 at 05:05 pm
There's a problem all right. Decent, safe, affordable housing is hard for low income folks to find.Read More I'm not making this stuff up. While you're busy being a critic, others are out there working to solve real problems. Heck, there was a celebration honoring Congregations of Women Religious last Friday. Too bad you missed it, it might have opened your eyes. Those Sisters Rock! They have helped create over 40,000 units of affordable housing.
David June 19, 2013 at 07:44 pm
Rob, *I* provide decent, safe, affordable housing for low income folks. It can be done. Yes, IRead More take Section 8 vouchers. Guess what, they work, and they disperse poverty so you do not end up concentrating poor people into a ghetto. All you're doing is creating ghettos. As for the religious women, surely you understand the difference between charity freely given and taxes confiscated from me at the point of a gun.
David June 19, 2013 at 07:46 pm
As previously mentioned, if there were a "shortage" of affordable housing, rather thanRead More creating a brand new ghetto in the middle of downtown SL, those tax dollars could have gone to buying up blocks of foreclosed houses and fixing them up. But you'd rather build new construction at a higher cost to taxpayers. Wonder why...
Erica June 18, 2013 at 07:16 pm
What brand is the pastry cutter?
Rowena Peñalba June 18, 2013 at 11:27 pm
It's slightly used but I don't remember where I bought it from. I don't see any brand name on it. IRead More just priced it based on the lowest one available on Amazon. If you're interested, make me an offer. Maybe we can agree on it. Thanks for your inquiry.
Elaine Cooperstein June 19, 2013 at 03:16 pm
Can't remember what night this was, but recently we were startled by noises and decided it must haveRead More been fireworks at the coliseum.
Mattie Ignacio June 13, 2013 at 06:02 pm
it was a hundred times better...it is now useless!
Richard Eisenman June 14, 2013 at 11:17 am
I'm not a very regular viewer. Could you be a bit more specific about what changed recently (plusesRead More and minuses)? Thanks.
Jessica Gardner June 18, 2013 at 05:43 pm
i agree!!
Opera On Tap Co-Manager, Indre Viskontas
Joanna Dyer June 12, 2013 at 07:16 am
F
Molly Rosen June 14, 2013 at 04:36 pm
One of the best operas ever. I hope to see it. How excited for OOT and San Leandro!
Susan Reisz June 10, 2013 at 07:29 pm
Can you reprint this several times prior to June 27. I don't want people to forget about it? Thanks
Unstable vs. stable world views
Michael Moore June 2, 2013 at 06:02 pm
Leah, do you have the authorization from Disney for the use of the copyrighted Dumbo character youRead More use for your blog? I thought that the policy of Patch was to deny access to non-authorized materials such as this.
Leah Hall June 2, 2013 at 08:12 pm
Nope.
Leah Hall June 2, 2013 at 09:44 pm
http://upload.wikimedia.org/wikipedia/en/a/a7/Dumbo-1941-poster.jpg My 13 year old daughter justRead More explained how to search www.creativecommons.org.