Half of 25-year-olds live with parents, 1 million college students ‘Sugar Babies’, 31% of adjunct profs in poverty: Demand obvious solutions or have more pain

American so-called “higher education” does exactly what it should: prepare college students for the real world. On 2015 Earth, students must learn the Orwellian condition that what we use for money is created as debt, producing an economy adding negative numbers forever with “developed” “modern” nations now $50 trillion in debt, the top 1% having more assets than the 99% combined, and the US top 1% has more assets than the bottom 90%.

Of course, the obvious solution is to stop creating what we use for money as a negative number owed to privately-owned banks, and have government create debt-free money for the direct payment of public goods and services. A preliminary cost-benefit analysis shows each and every US household would near-instantly achieve millionaire status with this upgrade.

But college students must pass the Emperor’s New Clothes test before escaping their asset-hole banksters (as must American civics students of all ages). Our condition:

  • Class of 2015 students average $35,000 in debt, with the total for 2015 graduates nearly $70 billion: more than ten times the amount from just 20 years ago. The average time to pay this debt is now 15 years (almost age 40).
  • half of US 25-year-olds live with their parents, more than twice the number from 15 years ago.
  • Over one million US college students are “Sugar babies”: selling sex as part-time employment. The UK has the same condition (here, here).
  • 31% of US adjunct professors live in poverty.


Importantly, please confirm that what we receive for economic leadership is literal criminal fraud:

  • decaying infrastructure getting uglier from “deferred maintenance,”
  • real unemployment near 25% with most families demanding both parents work longer and longer hours,
  • real inflation well above official reports,
  • US poverty of 20% among children, 40% for living at least a year in poverty,
  • 72% of California students in schools with over half the children classified as “socio-economically disadvantaged,”
  • a .01% oligarch class that “legally” hide $20 to $30 trillion in offshore tax havens,
  • a rigged-casino economy designed for “peak inequality,”
  • “too big to fail” banks demand public subsidies (so-called “bailouts”) while gambling with over $200 TRILLION in derivatives,
  • these “too big to fail/jail” banks deriving most of their income from subsidies and apparent market manipulations,
  • Daily and never-ending Orwellian criminal-complicit lies of corporate media.

I could go on to literally ~100 areas of crucial concern.

Please understand that I represent likely hundreds of thousands of professionals making factual claims with objective evidence anyone with a high school-level of education can verify.

I have three academic papers to walk any reader through these facts; an assignment for high school economics students, one for Advanced Placement Macroeconomics students, and a paper for the Claremont Colleges’ recent academic conference:

Teaching critical thinking to high school students: Economics research/presentation
Debt-damned economics: either learn monetary reform, or kiss your assets goodbye
Seizing an alternative: Bankster looting: fundamental fraud that “debt” is “money”

Note: I make all factual assertions as a National Board Certified Teacher of US Government, Economics, and History, with all economics factual claims receiving zero refutation since I began writing in 2008 among Advanced Placement Macroeconomics teachers on our discussion board, public audiences of these articles, and international conferences. I invite readers to empower their civic voices with the strongest comprehensive facts most important to building a brighter future. I challenge professionals, academics, and citizens to add their voices for the benefit of all Earth’s inhabitants.


Carl Herman is a National Board Certified Teacher of US Government, Economics, and History; also credentialed in Mathematics. He worked with both US political parties over 18 years and two UN Summits with the citizen’s lobby, RESULTS, for US domestic and foreign policy to end poverty. He can be reached at Carl_Herman@post.harvard.edu