Shortly before I left, the Ohio senate debated a measure that would significantly curb payday-lending practices. My senator opposed the bill (one of the few senators to do so), and though he never explained why, I liked to think that maybe he and I had something in common. The senators and policy staff debating the bill had little appreciation for the role of payday lenders in the shadow economy that people like me occupied. To them, payday lenders were predatory sharks, charging high interest rates on loans and exorbitant fees for cashed checks. The sooner they were snuffed out, the better.
To me, payday lenders could solve important financial problems. My credit was awful, thanks to a host of terrible financial decisions (some of which weren’t my fault, many of which were), so credit cards weren’t a possibility. If I wanted to take a girl out to dinner or needed a book for school and didn’t have money in the bank, I didn’t have many options. (I probably could have asked my aunt or uncle, but I desperately wanted to do things on my own.) One Friday morning I dropped off my rent check, knowing that if I waited another day, the fifty-dollar late fee would kick in. I didn’t have enough money to cover the check, but I’d get paid that day and would be able to deposit the money after work. However, after a long day at the senate, I forgot to grab my paycheck before I left. By the time I realized the mistake, I was already home, and the Statehouse staff had left for the weekend. On that day, a three-day payday loan, with a few dollars of interest, enabled me to avoid a significant overdraft fee. The legislators debating the merits of payday lending didn’t mention situations like that. The lesson? Powerful people sometimes do things to help people like me without really understanding people like me.
My second year of college started pretty much as my first year had, with a beautiful day and a lot of excitement. With the new job, I was a bit busier, but I didn’t mind the work. What I did mind was the gnawing feeling that, at twenty-four, I was a little too old to be a second-year college student. But with four years in the Marine Corps behind me, more separated me from the other students than age. During an undergraduate seminar in foreign policy, I listened as a nineteen-year-old classmate with a hideous beard spouted off about the Iraq war. He explained that those fighting the war were typically less intelligent than those (like him) who immediately went to college. It showed, he argued, in the wanton way soldiers butchered and disrespected Iraqi civilians. It was an objectively terrible opinion—my friends from the Marine Corps spanned the political spectrum and held nearly every conceivable opinion about the war. Many of my Marine Corps friends were staunch liberals who had no love for our commander in chief—then George W. Bush—and felt that we had sacrificed too much for too little gain. But none of them had ever uttered such unreflective tripe.
As the student prattled on, I thought about the never-ending training on how to respect Iraqi culture—never show anyone the bottom of your foot, never address a woman in traditional Muslim garb without first speaking to a male relative. I thought about the security we provided for Iraqi poll workers, and how we studiously explained the importance of their mission without ever pushing our own political views on them. I thought about listening to a young Iraqi (who couldn’t speak a word of English) flawlessly rap every single word of 50 Cent’s “In Da Club” and laughing along with him and his friends. I thought about my friends who were covered in third-degree burns, “lucky” to have survived an IED attack in the Al-Qaim region of Iraq. And here was this dipshit in a spotty beard telling our class that we murdered people for sport.
I felt an immediate drive to finish college as quickly as possible. I met with a guidance counselor and plotted my exit—I’d need to take classes during the summer and more than double the full-time course load during some terms. It was, even by my heightened standards, an intense year. During a particularly terrible February, I sat down with my calendar and counted the number of days since I’d slept more than four hours in a day. The tally was thirty-nine. But I continued, and in August 2009, after one year and eleven months at Ohio State, I graduated with a double major, summa cum laude. I tried to skip my graduation ceremony, but my family wouldn’t let me. So I sat in an uncomfortable chair for three hours before I walked across the podium and received my college diploma. When Gordon Gee, then president of the Ohio State University, paused for an unusually long photograph with the girl who stood in front of me in line, I extended my hand to his assistant, nonverbally asking for the diploma. She handed it to me, and I stepped behind Dr. Gee and down off the podium. I may have been the only graduating student that day to not shake his hand. On to the next one, I thought.
I knew I’d go to law school later the next year (my August graduation precluded a 2009 start to law school), so I moved home to save money. Aunt Wee had taken Mamaw’s place as the family matriarch: She put out the fires, hosted family gatherings, and kept us all from breaking apart. She had always provided me with a home base after Mamaw’s death, but ten months seemed like an imposition; I didn’t like the idea of disrupting her family’s routine. But she insisted, “J.D., this is your home now. It’s the only place for you to stay.”
Those last months living in Middletown were among the happiest of my life. I was finally a college graduate, and I knew that I’d soon accomplish another dream—going to law school. I worked odd jobs to save money and grew closer to my aunt’s two daughters. Every day I’d get home from work, dusty and sweaty from manual labor, and sit at the dinner table to hear my teenage cousins talk about their days at school and trials with friends. Sometimes I’d help with homework. On Fridays during Lent, I helped with the fish fries at the local Catholic church. That feeling I had in college—that I had survived decades of chaos and heartbreak and finally come out on the other side—deepened.
The incredible optimism I felt about my own life contrasted starkly with the pessimism of so many of my neighbors. Years of decline in the blue-collar economy manifested themselves in the material prospects of Middletown’s residents. The Great Recession, and the not-great recovery that followed, had hastened Middletown’s downward trajectory. But there was something almost spiritual about the cynicism of the community at large, something that went much deeper than a short-term recession.