NO JOBS? Young graduates make their own. “Mr. Gerber, now 27, isn’t a millionaire, but he’s paid off his loans and doesn’t have to live with his parents (he rents an apartment in Hoboken, N.J.). And he thinks his experience can help other young people who face a daunting unemployment rate.” I have some former students who are doing that, with companies like LuckyGunner and Volunteer Traditions.