Ramblings of Daniel Ross-Jones
Musings
The real story of seminary debt
Jun 18th
An open letter to judicatory heads, seminary financial aid administrators, and all those connected to faith-based leadership.
When I graduate from seminary in 2011, I may have a cumulative $97,300 (1) in student loan debt. Based on an extended 30-year repayment plan, an average 6.80% interest rate and zero loan fees, my monthly payment will be $634.32 and amount to $131,058.98 in interest payments over those 360 payments. In order to afford that monthly payment, according to federal financial aid guidelines, I should earn an annual salary of at least $76,118.40. (2)
As a Student In Care of the Southeast Wisconsin Association, should I graduate and secure a call in an “average” Wisconsin Conference congregation paying moderate guidelines, I can expect a salary of $33,039 (3), or $43,079.40 less than the recommended salary for my debt load, representing a 56% reduction. (4)
I grew up with a commitment to the church and have felt God’s call to ministry tugging on me throughout my life. Despite facing rejection from the church in the past, I continue forward in faith that God will provide. I find myself today receiving affirmation of my strong candidacy for ordained ministry: a pastoral identity, experience as professional communication staff in a middle judicatory office, a commitment to community-based ministry, a unique perspective from my generational location. I received my undergraduate degree from a church-related institution, and am building up my resume in seminary through two distinctive international experiences.
Yet as I look at the hard numbers, I feel I am forced up against a wall facing another round of rejection from the church in lack of financial support. Due to budget constraints at my school, McCormick Theological Seminary, my individual financial aid package was reduced from covering 88% of tuition to 55% for 2009-10. I must now take out an additional $5,000 in student loans to cover the shortfall, pushing my debt even higher.
Besides tuition, there are myriad other costs related to theological education: books, transportation, insurance, housing, food, communication, photocopies, etc. I changed my permanent residency to Illinois in order to qualify for government assistance in the form of food stamps, which has helped my bottom line each month somewhat. I work three jobs just to try and make ends meet, yet I still rely heavily on student loan money to cover housing and part of my insurance costs. (5)
I have sought out and applied for a number of grants and scholarships, including from our United Church of Christ National Offices, and either have not qualified for or been rejected from each and every one. I gratefully received a $500 stipend from the Association last year, along with $400 from my congregation (Plymouth, Milwaukee.) I appreciate the generosity of McCormick donors for providing a substantial portion of my education costs, yet as my loan balance inches closer and closer to the $100,000 mark, I become more apprehensive and concerned. Where is the church supporting me?
I ask not for a golden parachute, but as we as a church look at our future, we need to look closely at our future leadership. How we invest in our leadership, the requirements we establish for education, and the support we offer directly relates to how well we can attract and retain highly-skilled, motivated, and qualified individuals for our pulpits and ministries. Even more, it demonstrates our commitment to a Christ-like labor justice.
Notes: (1) Based on current financial trends; includes $23,000 in private loans from undergraduate education, $14,300 in subsidized and unsubsidized Stafford loans from undergraduate education, and up to $60,000 in subsidized and unsubsidized Stafford loans from seminary. (2) See financial aid calculator at http://www.finaid.org/calculators/loanpayments.phtml (3) For comparison’s sake, my first professional job following college, which required only bachelor’s-level education and was professional staff within the church structure, started at $31,250 in 2006. Based on real 2008 dollars, the UCC salary is actually less than my 2006 salary adjusted for inflation: $33,039 versus $33,345.75. (4) According to the US Census Bureau, the average salary for those with master’s degrees is $62,300. (5) Average monthly expenditures of $1,435 versus income of $650. Loan transfers to balance average $785.
Those rats!
Jun 15th
Its a regular occurrence in Chicago: rat infestations.
No, for once I’m not talking about Chicago (or Illinois) politicians, I’m talking about the fat, brown vermin that scurry across streets at night time to scare the bejeezus out of a person and usually take up residence in and around dumpsters, garbage cans, garages, basements…
…and under the hood of my vehicle.
From what we can piece together, the rat climbed up into my car and made a pretty good home for himself, gnawing on wires for food, and — I don’t know, maybe he created an elevator out of the pistons and a treadmill from the belt. I can’t pretend to know what would bring a rat into my car, but it was there.
Unfortunately for this rat, however, I prefer to use my car for, y’know, driving… and he must have been startled by the movement. His attempt to find a stable space led him to the area around my car’s van, where one of the plentiful potholes was enough to knock him off center but right into the center of the fan. End of rat, as they say.
When did this happen? Most likely Wednesday or Thursday; but eventually the fan wasn’t able to keep pushing the weight of the rat around and around and around and it got stuck or bogged down, burning out the blower motor. I noticed this Thursday evening. As many know, I don’t have air conditioning in my car, so when the weather gets nice I rarely have reason to use the fan. However the rain on Thursday as I drove up to Burlington made me roll up the windows, and I needed a little air circulation to keep my sanity. I did notice as I drove that I had to keep turning the fan up higher and higher — all the way from 1 to 4 — and it was still not blowing at a normal, full blast. I also noticed a strange smell coming from the vents, but decomposition hadn’t fully set in, so I thought it was picking up the smell from the KFC bag I had thrown in the passenger seat footwell from an Oasis stop en route.
On Friday when I got in my car and went up to Green Lake for Conference, the smell was… unpleasant. And by Sunday when I was driving back to Chicago, it was downright oppressive. I made it up to Pepboys this morning to get the whole system cleaned and checked out.
The good news is that the rat was removed, and some of the wiring has been replaced. The other good news is that, while at first we thought we’d have to replace the fan, it turns out I don’t have to do that. The bad news is that the motor that burned out is more than twice the cost of the fan — and that’s what needs to be replaced. Since I don’t have money for that right now, my car will sit with an inoperable fan for at least the next month. Again, not a really huge issue now that summer weather has finally reached Chicagoland; I don’t plan on needing it until September.
Why didn’t I think of this sooner?
Jun 14th
I’m currently reading Barbara Brown Taylor’s new book, An Altar in the World. It appears a quick read, but in typical style, reading even a single sentence requires no small amount of “chewing” on my part, and so I’m taking my time slowly with this book.
In one of the chapters I just finished, she talks about how much more she feels connected to God through the natural world by simply being observant. As I left Conference Meeting this morning, I had a lot on my mind from the past weekend. I feel reconnected with my church after almost a year now in Chicago, and definitely more connected with the UCC form of church in Wisconsin. I was thinking of the many conversations I had — with people like Don Niederfrank, my mentor and minister at St. John’s UCC in Random Lake; Eliza and Shaun, fellow In Care-ians in crime; Bridget, Andrew, Lee, Kathy, Mary Ann, and Walt from Plymouth; the sizeable number of us using Macs of varied stripes and colors — and I wanted to think and process without distraction as I drove. Our theme this weekend was “Living Grace-fully” and centered around creation care and observance, so it connected with Altar in a unique way, too.
So I turned off the radio. Thanks to a dead rodent in the fan which gets removed tomorrow, and because of the beautiful day outside, I had my windows open. Highway 23 takes one through a number of small towns on its way back to Highway 45 to Milwaukee and points south (WARNING: Do not drive even a mile over the speed limit around Rosendale! A number of Conference attendees, though surprisingly not myself, will attest to negative experiences after speeding up before the speed limit officially changed…) and I was mostly on auto pilot. It was a beautiful Sunday afternoon for a drive, and the highway-town-highway-town rhythm followed my own up-and-down thought pattern.
Then it happened: I began to hear the birds as I drove. I could smell the east-central Wisconsin pine attempt to cover up the decomposing creature lodged in my fan. I noticed the way people would walk along the sidewalk as I drove along the edge of downtown Ripon: leisurely, without the pressure of an impending appointment, appearing as if they’d be just happy to strike up a conversation about the weather if I had been walking down their same route. I noticed the way the driver in the car behind me was less than pleased at having to stop at the red light, anxiously ratting on the steering wheel with their hands. I saw how the sunlight seemed to dance off the metal pole barn in the places where peeling paint left exposed shiny silver.
As I sat in the drive-thru lane at the Arby’s I heard the quiet purr of my idle engine bounce off the wall, the background noises in the kitchen through the worker’s intercom headset. I looked at how this was the absolute edge of the town, nothing but a forested wall out the other side of my car, providing protection to the unknown space beyond.
I met up with a few friends in Kenosha, first to do some quick shopping and then coffee downtown on the lake. I noticed how the boats seemed to crawl out of the harbor, past the lighthouse and into Lake Michigan, leaving a small wake along their path. The warm sun and the cool breeze — without the former it would have been too cold to sit on the patio, without the latter it would have been too warm — cooperating in a way that seemed to whisper, “Come, grow. Experience life.”
This meditative tour continued as I left for my last leg back to Illinois. When I entered the tollway, the concrete barriers made me feel trapped, and the impending line of red taillights were like a screaming in my ears, “No! This is too much artificiality, too much speed where speed is no good.” I felt a little wasteful paying the Waukegan toll and exiting right away at Gurnee, but I was compelled to do so. I passed Highway 41, and I heard that same voice tell me, “Don’t turn here, keep going.” And so I did, passing Green Bay Rd. on my journey. I came to Sheridan Rd., the easternmost roadway throughout much of northeastern Illinois and southeastern Wisconsin, gently weaving its way no more than half a mile from the Lake Michigan shoreline. “This is where you turn now,” and so I did. What normally is an hour, hour-and-a-half trip from Kenosha to my apartment turned into three more hours in this meditative space.
Its funny to think of my car as meditative space. Its ordinary, plain. No one would call a 2006 Chevrolet Aveo with dead vermin lodged inside it a luxurious surrounding, and especially not considering that I “live in my car” with the back seat occupied by materials from a retreat back in the early spring and other random trinkets accumulated in a long-overdue cleaning and the front seat littered with trash from breakfast granola bars and too-frequent stops in drive-thru lanes. Its not an easy place to just zone out, either: us manual transmission drivers are engaged in four-limb driving, deftly maneuvering and manipulating pedals and gearshifts all but forgotten in the past three decades.
But today, it was. Void of just one everyday distraction — normally one I consider so indispensible that my iPod is rarely far from my side — I was able to simply be with my traveling soul, to be at least somewhat present with this earthly home of mine. When I finally arrived in my apartment parking lot, part of me didn’t want to leave that space. (The Kenosha coffeehouse stop, coupled with the tub of Diet Pepsi I had with my Arby’s order, mandated a quick departure nonetheless.) I doubt it will ever hold the same feeling again, but for this afternoon, it became a sacred space.
Quick update
Apr 1st
Its been a hectic couple of weeks. Let me get you up to speed:
1. Still looking for a summer job. I have a couple of really good leads, but still no job. Trying not to get too antsy.
2. Closeout sale at the school bookstore = more money spent there than I needed to.
3. Hopping on an airplane to Minnesota to visit family and friends for a week on Friday.
4. Can’t wait for the summer to get here.
That is your update for today. Hope to post more (and more regularly) soon.
Fasting update
Jan 9th
I realized that I didn’t provide a fasting update for everyone once I was done.
The bottom line: I completed the fast, without breaking it for meat, hours of the day, alcohol, or any other reason I was concerned about. However, I probably won’t do it again.
There are a number of reasons I don’t think I’ll participate in a fast again, but the basic reason is that I just don’t feel like I would grow again the way I did this time. I think it was a blessing in its action, and a God-produced method to make a major, necessary change in my physical life.
While I was fasting, it came time for my annual health check-up. I knew this would happen, obviously, but I didn’t realize the outcome would create such a monumental change. For the past year, I’ve been monitoring my cholesterol. My mother has high cholesterol. My father has high cholesterol. At least one of my grandparents had high cholesterol. Genetically, its just a matter of time until I have high cholesterol. That happened last year. I was solidly within the “borderline” numbers, and the doctor prescribed exercise.
I’m proud to report that in the past year, I have lost over 30 pounds. (In fact, I’m now within 20 pounds of my goal weight, and I hope to drop those last ones before I leave school for my internship this spring.) However, that didn’t do the trick. I went in this year, and my numbers almost doubled where they shouldn’t, and the so-called “good” cholesterol dropped in half. As a result, I was prescribed a vegetarian plus fish diet for the next six months, and then instructed to return to the doctor to have my blood screened again.
Now, I’d like to point out that since this diagnosis, I’ve broken the vegetarian diet at least a dozen times. If it weren’t for the Advent fast, I know I wouldn’t have been able to keep it as much as I have already. What I’m currently working on is a vegetarian home diet, but when I go out to eat I am going to have controlled amounts of chicken, meat, etc. Unfortunately, I’ve been going out a lot recently, which has been contributing to the situation.
The fasting allowed me to recognize exactly what it was that I ingest in my system. I realized just exactly how much I eat in the course of a normal day. I realized how much of my food intake is stress or social-related, as opposed to physical necessity. I realized how much less I need to eat at each meal, as opposed to gorging out.
Since returning to eating a “normal” routine, I’ve discovered how much I miss fasting on a physical level. For the first two weeks, my stomach hurt from what it felt like was over-eating, even though lunch would consist of a toasted sandwich and handful of carrots. Eating more often has just resulted in… eating more often. And I’m not sure that is the best solution for survival.
I’m glad I fasted, and I’m glad that it helped push me along to where I am now. I’m glad I fasted to give me the shot in the foot needed to receive the news of my new diet in a positive state of mind. Perhaps I will do it again someday, but not for a while.
God in the Ordinary
Jan 7th
Sermon preached at Plymouth United Church of Christ, Milwaukee on Dec. 28, 2008.
Walking with the Ancients
Nov 24th
Back in the day.
(I love it when people start stories with that phrase. Back in the day. It sounds folksy, yet demonstrates the history attached. It wasn’t too long ago — say, within the last 70 years or so — but long enough to go that it was in the day. There’s a charm to the stories that follow.)
Anyway, back in the day, Christians of certain traditions observed the Nativity Fast. During the season of Advent, up until Christmas, the faithful would abstain from certain foods and drink as a method of spiritual discipline. By their participation, they were exercising self-control, rebuilding in themselves the necessary mind to witness to Christ’s salvific act for the world.
The tradition had been handed down through the ages, from the earliest, ancient Christians, and the traditions of some Jews before them. But then Vatican II came and screwed everything up.
For every good thing that came from Vatican II, and there were plenty, there were a couple of sacrifices that had to be made as well.
This year, I have prayerfully decided I am going to participate in the Nativity Fast during the Advent season. I know one isn’t “supposed” to talk about such things, but I’m going to anyway. For starters because I’ve never done this and want to share it with others, and secondly because I think its an excellent, external accountability tool.
I created an outline of my fasting covenant, drawing upon resources from the Orthodox, Roman Catholic and Anglican Churches, the Lutheran World Federation and the World Alliance of Reformed Churches. Here it is:
Daniel Noel Ross-Jones, child of God and baptized in the Three Persons, does hereby commit himself to participation in the spiritual act of the Great Nativity Fast for the Advent season of 2008. By joining together with the ancient Christians and descendants of Abraham in all times and places, in greater service and commitment to God and all creation, agrees to the stipulations following:
I. Fasting Dates: The Nativity Fast will follow the traditional Protestant calendar, beginning on November 30, 2008 AD, the first Sunday of Advent. It will conclude on December 25, 2008 AD, the birth of Jesus Christ.
II: Fasting Regulations: The fast will include restriction of all meats and meat products. On Fridays, the fast will further include the restriction of all eggs, dairy, and oils. A daylight fast from all foods will exist from sunrise to sunset daily. Further, abstinence from alcohol, anger, greed, and covetousness will be expected.
Other than as required by prescription, all drugs and supplements will also be restricted, including caffeine, energy supplements, etc. Only water, teas, dairy drinks and natural juices (unless otherwise restricted) will be consumed.
A full fast will be in place on Sunday mornings prior to worship, and on the festival days during the Advent season: Great Martyr Barbara (Dec. 4), St. Nicholas (Dec. 6), St. Spiridon and St. Herman (Dec. 12), St. Ignatius (Dec. 20) and Christmas Eve (Dec. 24).
Upon beginning the day’s fast, the daily office shall be recited.
The breaking of fast shall occur following worship on Christmas Day, Dec. 25.
Should fast intentionally or unintentionally be broken, it shall be appropriate to pray with thanksgiving for God’s grace, strength for self-control, and to make special alms appropriate to the mistake to a worthy cause.
III. Commitment to God: At minimum, 30 minutes each day shall be spent in personal, meditative devotion to God.
IV. Commitment to Others: Each week, a special contribution shall be given to a church or argency dedicated to serving the poor and oppressed in society. This shall be above and beyond that given to Plymouth United Church of Christ.
V. Commitment to Self: Regular journaling/blogging and spiritual reflection shall be an integral and important growth element of this sacred journey.
So there you have it. I’m preparing by cutting back on the extra foods I eat, and trying to load up on fruits and veggies now to adjust my system. (I’m going shopping this weekend when I’m up in Wisconsin.) I’ll select some reflections to make public on here as I’m going along. I’m excited to see what growth comes of this process.
Coming back…but for how long?
Nov 23rd
They say school gets in the way of one’s social life; and that’s completely true. But with Thanksgiving Break in front of me this week, I am recommitting myself to blogging on a regular basis once again. Stay tuned.