South Bend, Ind. — Every month, $64 is withdrawn from Tony Havens’ checking account to pay off his student loans. For him, it’s both a financial hit and a grim reminder that he spent five years in college and left with approximately $15,000 in debt … but no degree.

What makes it even more painful is that with better guidance and a little more information about his finances, Havens, 33, most likely could have graduated from Indiana University-South Bend in four years. Instead, he still needs roughly another year of credits to earn his degree.

“I didn’t realize that my scholarship would only cover me for four years, and I ended up taking history and political science courses before I finished the requirements for my degree,” said Havens, sitting in his apartment, which is roughly two miles from the IUSB campus. “If I had it to do over again, I would have focused on the requirements that I needed to graduate and completed my degree in drawing and painting.”

Havens accepts the lion’s share of the blame for what happened to his college career. He just wishes someone had told him then what he knows now.

‘Sign it. Just sign it. It’s good’

Havens remembers being called to his guidance counselor’s office while in middle school and signing up for the 21st Century Scholars program — a state-funded program that gives lower-income students the opportunity to earn up to a four-year scholarship at an Indiana college or university.

In signing the pledge, Havens joined other would-be Scholars who promise to stay on top of their grades, complete college-preparation activities and stay drug- and alcohol-free. In exchange, they receive tuition assistance — this year, it’s slightly more than $7,500 a year to attend a four-year public university, or $3,900 a year for a two-year school. The money does not cover room and board or books.

Havens sits on the couch with his girlfriend. Colorful paintings hang on the wall above the couch.
Havens and his girlfriend, Jessica Platz, both dropped out of college before earning their degrees, and both want to finish what they started. However, they’re expecting their first child, a daughter, this May, and that may further delay their academic re-entry.

“I was like, ‘I don’t even know what it’s about,’” Havens recalls. “And the counselor was like, ‘Sign it. Just sign it. It’s good.’”

So he did. Between then and 2000 — when he graduated from Penn High School in Mishawaka, Ind. — he doesn’t remember hearing another word about the scholarship. It wasn’t until he applied for financial aid to get into IUSB that the university reminded him the money was waiting. Between those funds and a Pell Grant, his education was covered.

Emily Sellers, director of outreach and engagement for the Indiana Commission for Higher Education, which oversees the 21st Century Scholars program, said it’s entirely likely that Havens never heard anything else about the scholarship. “That’s something we’re improving,” she said. These days, recipients of the scholarship receive direct, frequent, student-friendly correspondence. They also participate in a new Scholars Success Program, which helps them learn to plan, prepare and pay for college.

“The Indiana commission is working hard to ensure Scholars are better prepared at the secondary level and better supported once they arrive on our college and university campuses,” she added in an e-mail. “We have developed new systems to better support and track Scholar program and success throughout high school and have bolstered our postsecondary-level supports to ensure students are persisting to an on-time degree.”

In fall 2000, Havens became the first in his family to go to college. He looked at three schools and chose IUSB for its proximity to home — he would be a commuter — and its art program, which focused on realism rather than abstraction. He enrolled as a fine arts, drawing, and painting major. And for three years, he followed that path toward a degree.

Havens had been creating art since he was young and said he learned a lot in college. To this day, he uses what his IUSB professors taught him about painting with oils as opposed to watercolors and acrylics. That knowledge is on display in the apartment he shares with his girlfriend, Jessica Platz, 29. There, in a bedroom he converted to a studio, he’s completing a series of futuristic, vibrant oil paintings that he started at IUSB. “I just picked up a brush, dabbed it in paint and started to come up with the rough sketch of what that ended up being,” he said. “A friend of mine said the first one would be ‘creation,’ this second one would be ‘the midway point,’ and the one I’m finishing now is ‘decay.’ I thought that was a pretty good explanation.”

As much as he enjoyed — and still enjoys — art, though, Havens began to feel that he might need a more secure career than his major could provide. One of his more influential professors, Ron Monsma, understands that position, but he doesn’t necessarily support it. He insists that businesses look for people with arts degrees because employers can teach them how to do certain things, but they can’t teach them how to be creative.

“I give them grounding that will enable them to do what they want to do for the rest of their lives at a higher-skilled level,” he said. “Maybe they won’t get a job doing it; no one gets a degree in drawing and painting and walks into a gallery and hands the director their sheepskin and says, ‘Where do I hang my work?’” But art students find work, he said. Many become teachers — and some do become artists.

‘Sidetracked by other interests’

Havens didn’t want to be a teacher. “It takes a very special person to teach and teach well, and I don’t believe I would fit that mold,” he said. So he spent much of his fourth year taking history and political science courses — so many that, if he had graduated, he would have earned minors in both subjects. At the time, he remembers, his faculty adviser asked why he wanted to take so many courses outside his major. Havens’ answer: I want to know more. His adviser’s response: That’s not a bad thing.

No, but it did put Havens far behind where he needed to be to finish his degree in four years.

“I got sidetracked by those other interests,” Havens said, “and I didn’t realize the scholarship would only cover me for four years. I would have liked to have somebody tell me that, because I would have planned things out a little differently, definitely. I would have focused on the classes I needed for my major and then, if I was done with that, if I still wanted to go through with the other classes that interested me, I would have been able to afford that with just the Pell Grant. I could have taken one class a semester and started to work.”

But the scholarship did, in fact, run out. For two semesters, Havens borrowed money to fund his education, but “I decided I didn’t want to continue to take out loans for a major in drawing and painting because I was pretty certain that I would end up working at a place like Walgreens — which is where I did end up — having to pay back a large amount of debt.”

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