> Ellen Tara James-Penney, a 54-year-old lecturer at San Jose State University, parks her old Volvo at one of those safe-haven churches, Grace Baptist Church, a

> Ellen Tara James-Penney, a 54-year-old lecturer at San Jose State University, parks her old Volvo at one of those safe-haven churches, Grace Baptist Church, and eats in its dining hall. She is paid $28,000 a year to teach four English classes and is carrying $143,000 in student debt after earning two degrees. Can't imagine having a lecturer that sleeps in their car. A sorry state of affairs.