Between the ages of 18 and 22, Jodi Romine took out $74,000 in student loans to help finance her business-management degree at Kent State University in Ohio. What seemed like a good investment will delay her career, her marriage and decision to have children. Ms. Romine's $900-a-month loan payments eat up 60% of the paycheck she earns as a bank teller in Beaufort, S.C., the best job she could get after graduating in 2008. Her fiancé Dean Hawkins, 31, spends 40% of his paycheck on student loans. They each work more than 60 hours a week. He teaches as well as coaches high-school baseball and football teams, studies in a full-time master's degree program, and moonlights weekends as a server at a restaurant. Ms. Romine, now 26, also works a second job, as a waitress. She is making all her loan payments on time. They can't buy a house, visit their families in Ohio as often as they would like or spend money on dates. Plans to marry or have children are on hold, says Ms. Romine. "I'm just looking for some way to manage my finances."In other words, the possession of education credentials is increasingly likely to come hand-in-hand with debt, older marriage, and a reduced likelihood of having children. Since men primarily value youth, beauty, and fertility in a mate, and because people seldom advertise the extent to which they are in debt, it shouldn't be too hard to understand why a woman waving around her degree(s) is not merely a turn-off, but a material strike against her. Of course, there is an easy solution for a woman with a degree to neutralize this red flag, and that is by always being careful to point out her lack of student loans whenever her education is discussed.
Why credentials are unattractive
It's not the only reason, but even the most skeptical woman should be able to wrap her overeducated mind around the concept:
