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Tips for Consumers-Is that culinary school program worth the money?
I saw another ad on TV last night for culinary schools. It had the flash and the glitz. There was the woman dressed as a chef talking about training chefs for exciting careers. And then today, I got another email from somewhere out there asking whether culinary school programs are worthwhile. So I’ve decided to take this one on.
Before going forward, I have to admit to biases and a point of view. I represent a group of students here in Oregon who are pursuing claims against Western Culinary Institute and Career Education Corp. Through the case, I’ve learned generally about for profit culinary schools. My take on all of this is colored by that experience, but it’s also driven by my private life as a dad who is putting kids through school. So none of this is legal advice. Think of it as one dad’s take on the cost of a private for-profit trade school education.
When you’re thinking about for-profit culinary school or any trade school, you’re already in a defined area of education. This isn’t about learning for the sake of learning. Instead, it’s getting skills that help you qualify for a job. That’s kind of obvious. Still, don’t ever lose sight of that because what you really want to know is whether the cost is worth it.
Costs at for-profit culinary schools can be very high. It’s not unusual for students to borrow $40,000 for a program that grants an associates degree in a period of one to two years.
The first question is what that buys you. Many trade schools provide potential students with placement information. Get it in writing. But you need more than just the numbers of students who are placed in the trade. You need to know what kinds of jobs they got, and you need to know what those jobs pay.
Here is what I mean.
There are plenty of jobs available in the culinary field. Think about all the baristas, line cooks, and dish washers out there. But those jobs usually pay very low wages, and they rarely require any formal training. So if a culinary school says that 95 percent of its graduates are placed in the field, you’ll want to know what kind of jobs those graduates are doing.
Here are some questions. How many of those 95 percent are chefs? Or restaurant managers? If 95 percent are placed in high-level jobs, then that’s one thing. But if those placement statistics include fast food workers, that’s a huge problem.
The other piece is that you need salary information, and it needs to be more than just an average salary figure. To say that graduates earn an “average” of $36,000 per year could mean that a lot of the students who graduate earn at that level, or it could mean that some earn $18,000 and some earn $54,000. You would want to know–wouldn’t you–if you were taking on debt of $40,000. So you would want to know how many earn $X, how many earn $Y, and how many earn $Z to put that average salary in context.
Some schools won’t give you that information. I would suggest that if a school will not provide that information, you might be getting into a really bad deal. You wouldn’t want to borrow $40,000 to go to school if the jobs that you get pay wages that won’t allow you to repay your loans. You also wouldn’t want to go to a program that doesn’t improve your job prospects.
Bottom line: Ask questions. If you don’t get answers, think about alternatives. There are a lot of great lower cost programs at our community colleges. They don’t straddle students with debt. The other way to get into the trade is to start at the bottom and work your way up. True, it takes time, but so does culinary school. The big difference is that working your way up the ladder doesn’t put you in debt.
Bombshell: State of Minnesota sues National Arbitration Forum
This major development in the fight against arbitration abuse has potential to to cause some serious carnage. The State of Minnesota filed a lawsuit against National Arbitration Forum, a leading arbitration provider, claiming that NAF is a front for debt collectors and their law firms and not an independent arbitration service. Here’s a copy of the complaint–it’s long–for anyone who is interested.
Those of us who represent consumers have long claimed that mandatory arbitration is akin to a funhouse filled with mirrors, where consumers are going to lose. But I never suspected that there might be an actual conspiracy between NAF, debt collectors, and law firms representing the collectors. If it proves out, NAF and a few of its secret friends are going to have some serious ’splainin’ to do, as Ricky Ricardo would say.
Crunchberry class action lawyers slapped down
As a lawyer handling consumer class actions, I know that I have to be willing to blow the whistle when someone files a lousy case. Here–in all it’s glory–is the worst I’ve seen in a long time. Follow this link to read the judicial opinion in the dread crunchberry class action case.
In a case that can only be described accurately by the sound of a palm slapping a forehead, some “consumer” lawyers decided to sue Quaker Oats for its marketing of Captain Crunch with Crunchberries. Apparently, these legal professionals with very tiny brains decided that the product advertising is misleading because–yes, I’m not making this up–there is NO fruit in Cap’n Crunch with Crunchberries.
“In actuality, the Product contains no berries of any kind,” said the understated trial judge. I’ll have to figure out a way to cite this opinion in one of my next briefs. The quote is simply too precious to waste.
Thank God the judge stopped their stupidity. Could you imagine their next case claiming deceit because of the lack of rocks in Fruity Pebbles?
The sad thing is that people who file crunchberry class action cases do a grave disservice to those of us who represent consumers on real cases. Because it’s easy to use the outrageous few cases to trash claims that have merit. I hope that these guys get slapped very hard so that they learn to stop filing meritless cases.
New article from Rust Consulting on class action claim rates
Just came across this informative article from Rust Consulting on claim rates in class action settlements.
It’s a bit geeky or at least specialized, but the issue is important for lawyers who handle class actions and judges who oversee them. And actually, it’s important to consumers and businesses, too.
The question is: When a class action settles, how many people who are entitled to recover money will actually file claims? The article correctly explains that the rates vary, but there are some factors that allow for a prediction.
The claim process is one of those misunderstood things that leads to a lot of complaints about class actions. When a class action settles, and a consumer gets a claim form that will yield $6.26, it hardly seems worth the effort. It also leads to complaints that the lawyers earned “millions,” but the consumer only got $6.26.