# Educational Pathways to Remote Employment in Isolated Communities

David Denkenberger, Julia Way, Joshua Pearce

► To cite this version:

David Denkenberger, Julia Way, Joshua Pearce. Educational Pathways to Remote Employment in Isolated Communities. Journal of Human Security, 2015, 11 (1), pp.34 - 44. 10.12924/johs2015.11010034. hal-02113585

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Submitted on 29 Apr 2019

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# Educational Pathways to Remote Employment in Isolated Communities

David Denkenberger<fnref n="1" />,<fnref n="2" />, Julia Way<fnref n="1" />,<fnref n="3" /> and Joshua M. Pearce<fnref n="1" />,<fnref n="4" />,<fnref n="5" />*

Submitted: 4 May 2015 | In revised form: 4 August 2015 | Accepted: 25 August 2015 |

Published: 29 September 2015

**Abstract:** Those who live in isolated communities often lack reliable, skilled employment opportunities, which fundamentally undermines their human security. For individuals who wish to remain in their isolated communities for family, religious, philosophical or other reasons, their attachment to their communities creates a disincentive for higher education. This promotes low educational achievement, which in turn results in low socioeconomic status, lack of social mobility, and a generational cycle of poverty. The human misery that results from such a feedback loop is observed in isolated communities throughout North America, including aboriginal communities in Canada. Fortunately, maturation of information and communication technologies now offers individuals the potential to gain high-skilled employment while living in an isolated community, using both (i) virtual work/remote work and (ii) remote training and education. To examine that potential, this study: 1) categorizes high-skill careers that demand a higher education and are widely viable for remote work, 2) examines options for obtaining the required education remotely, and 3) performs an economic analysis of investing in remote education, quantifying the results in return on investment. The results show that the Internet has now opened up the possibility of both remote education and remote work. Though the investment in college education is significant, there are loans available and the return on investment is generally far higher than the interest rate on the loans. The results identified several particularly promising majors and dozens of high-income careers. The ability to both obtain an education and employment remotely offers the potential to lift many people living in isolated communities out of poverty, reduce inequality overall, and provide those living in isolated communities with viable means of employment security, which not only allows personal sustainability, but also the potential for personal growth.

**Keywords:** distance education; distributed work; employment; ICT; isolated communities; jobs; job security; remote work; telework

<footnote n="1">¹ Michigan Tech Open Sustainability Technology (MOST) Lab, Michigan Technological University, MI, USA</footnote>

<footnote n="2">² Civil and Architectural Engineering, Tennessee State University, Nashville, TN, USA</footnote>

<footnote n="3">³ Career Development Education, Michigan Tech Career Services, Michigan Technological University, MI, USA</footnote>

<footnote n="4">⁴ Department of Materials Science & Engineering, Michigan Technological University, MI, USA</footnote>

<footnote n="5">⁵ Department of Electrical & Computer Engineering, Michigan Technological University, MI, USA</footnote>

<footnote>* Corresponding author: E-Mail: pearce@mtu.edu; Tel.: +1 906-487-1466</footnote>
# 1. Introduction

A reliable form of employment is currently one of the central tenets of human security [1–5]. Lack of employment opportunities leads to extreme poverty of indigenous people living in isolated communities throughout the world including the Pacific [6], former British colonies [7], and the Americas, Australasia, South East Asia, Europe, and Russia [8]. In addition, a poverty of opportunities exists in isolated communities even within well-developed nations for common citizens like those in the United States. For example, in the upper peninsula of Michigan, during the last recession, unemployment rates topped 25% [9], and the undercounting of unemployment in the U.S. is well established [10,11]. Education is important for ending a poverty of opportunity, as it is critical for self-empowerment and increasing the prospects of employment, higher wages, and social mobility [12–15]. For individuals who wish to remain in their isolated communities for family, religious, philosophical, or other reasons, often there are simply not enough jobs with living wages available. For example, in Canada, all Aboriginal identity groups have substantially lower incomes than the general population [16], and their attachment to their communities creates poor incentive for higher education, thus promoting low educational achievement, which, in turn, results in low socioeconomic status [17]. For the young people committed to staying in their isolated communities for personal reasons, if there are few (or no) jobs that require higher education, there is no incentive for them to obtain this education and the cycle of poverty continues generationally.

Fortunately, maturation of information and communication technologies now offers the potential to gain high-skilled employment through remote work (also called telework, virtual work, or distributed work) [18–37]. This allows individuals to have rewarding and high compensation employment while living in an isolated community. In addition, online and distance education enable the ability to acquire a vast array of types of training and education remotely [38–50]. By coupling these two Internet-enabled opportunities, a complete solution of employment in an isolated region is possible. There have been many studies of online education (e.g. [38–51]) and remote work (e.g. [18–37,52]), as well as studies about the general advantages of extending Internet into remote areas (e.g. [53]). However, this study is unique in that it explores the interaction of online education and remote work as a complete package for people in isolated communities who do not wish to relocate.

To examine the potential of distance learning and remote work to enable secure employment for individuals in isolated communities, this study: 1) categorizes high-skill careers that demand a higher education, which are widely viable for remote work and 2) examines options for ob-

taining the required education remotely. The results are discussed and conclusions are drawn to help guide policy makers and educators in providing isolated communities with viable means of employment security.

# 2. Methods

A list of careers was generated and categorized that represented high-skill careers that require a higher education. Only permanent jobs were considered, as opposed to the typically temporary unskilled jobs that are frequently found on digital freelance websites (e.g. Freelancer, Fiverr, FlexJobs, Elance, Guru and oDesk). This list was then reduced by eliminating all career paths that could not be accomplished remotely because of physical/hands-on curriculum requirements. The list was further refined to jobs for which the education needed to complete them could be found remotely with existing universities requiring a four-year degree. Finally, the list was further refined by eliminating all jobs with a sinking market due to technology (e.g. journalists, translators, legal assistants, and travel agents) and jobs that were highly competitive (e.g. authors and artists), as a career could not be reasonably guaranteed having completed a degree. Then the list was matched with the top affordable online universities in the U.S. by degree type [54]. Next, the total degree cost was calculated assuming 120 credit hours and 4 years (accreditation policies) [55–58], though not taking into account university associated fees. Each career was matched with tuition cost, wage, and accreditation, and is shown in Table 1. All monetary values are given in USD. The data from Tables 1 and 2 are used to determine the economic benefits of obtaining a university degree remotely that would enable one to work remotely. The estimates are conservative, as they assume that the student is only attending to their education full-time and avoiding all high-school diploma level work while earning their degree. The opportunity cost (foregone wages during college) is assumed to be at the mean wage for high school wages for ages 18 to 24: about $23,000 in the U.S. [59], which again is a conservative assumption, as most entry level workers do not receive this wage. Over the 4 years of college, this results in $92,000 of opportunity cost. This is larger than any of the tuition costs considered as seen in Table 1. In most cases, the very simple analysis of return on investment equaling the reciprocal of the payback time yields a reasonable approximation. However, a rigorous, full cash flow analysis is more accurate. This is performed assuming a 2% per year raise due to experience, and a 2% per year raise due to economic growth (adjusted for inflation). This is applied to the high school wage as well, which currently has a median of $33,000 per year for all working ages [60] and the mean is 1.2 times larger [59].
<table><caption>**Table 1.** Careers from Table 2 with tuition, wage, and accreditation (USD).</caption><thead><tr><th>Career</th><th>Total tuition cost</th><th>Wage ($ yr<sup>-1</sup>)</th><th>Accreditation</th></tr></thead><tbody><tr><td>Architect</td><td>$69,840 [61]</td><td>$78,640 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Psychologist</td><td>$47,760 [63]</td><td>$75,790 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Radiologic Technologists</td><td>$51,600 [64]</td><td>$57,510 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Accountant</td><td>$11,560 [65]</td><td>$69,790 [62]</td><td>Northwest Commission on Colleges and Universities</td></tr><tr><td>Financial Analysts</td><td>$54,480 [66]</td><td>$92,250 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Advertising Sales Agents</td><td>$54,480 [66]</td><td>$60,910 [62]</td><td>Higher Learning Commission</td></tr><tr><td>PR representative</td><td>$54,480 [66]</td><td>$64,050 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Market researcher</td><td>$54,480 [66]</td><td>$68,700 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Brokerage Clerk</td><td>$54,480 [66]</td><td>$50,780 [67]</td><td>Higher Learning Commission</td></tr><tr><td>Personal Financial Advisors</td><td>$54,480 [66]</td><td>$108,090 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Inventory controller</td><td>$54,480 [66]</td><td>$93,180 [68]</td><td>Higher Learning Commission</td></tr><tr><td>Business Operations Specialists, Other</td><td>$54,480 [66]</td><td>$73,000 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Sales Managers</td><td>$54,480 [66]</td><td>$126,040 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Real Estate Sales Agents</td><td>$54,480 [66]</td><td>$55,530 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Securities, Commodities, and Financial Services Sales Agents</td><td>$54,480 [66]</td><td>$103,260 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Insurance Sales Agents</td><td>$54,480 [66]</td><td>$63,730 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Managers, All Other</td><td>$54,480 [66]</td><td>$110,210 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Event planner</td><td>$54,480 [66]</td><td>$50,910 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Tax preparer</td><td>$54,480 [66]</td><td>$43,870 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Meteorologist</td><td>$51,600 [64]</td><td>$88,090 [69]</td><td>Higher Learning Commission</td></tr><tr><td>Drafters</td><td>$44,040 [70]</td><td>$54,850 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Software Developers and Programmers</td><td>$44,040 [70]</td><td>$95,280 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Civil Engineers</td><td>$44,040 [70]</td><td>$87,130 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Designers, All Other</td><td>$44,040 [70]</td><td>$55,360 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Fashion Designers</td><td>$40,560 [71]</td><td>$73,690 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Editor</td><td>$40,560 [71]</td><td>$64,140 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Technical writer</td><td>$40,560 [71]</td><td>$71,950 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Graphic designer</td><td>$40,560 [71]</td><td>$50,670 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Film and Video Editors</td><td>$40,560 [71]</td><td>$75,090 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Publicist</td><td>$40,560 [71]</td><td>$68,700 [62]</td><td>Middle States Commission on Higher Education</td></tr><tr><td>Statistician</td><td>$44,040 [70]</td><td>$84,010 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Budget Analysts</td><td>$44,040 [70]</td><td>$73,940 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Actuary</td><td>$44,040 [70]</td><td>$110,090 [62]</td><td>Commission on Colleges of the Southern Association of Colleges and Schools</td></tr><tr><td>Computer scientist</td><td>$22,380 [72]</td><td>$113,190 [73]</td><td>Higher Learning Commission</td></tr><tr><td>Information Security Analysts</td><td>$22,380 [72]</td><td>$91,600 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Game developer</td><td>$22,380 [72]</td><td>$69,410 [74]</td><td>Higher Learning Commission</td></tr><tr><td>Software Developers, Applications</td><td>$22,380 [72]</td><td>$99,530 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Software Developers, Systems</td><td>$22,380 [72]</td><td>$106,050 [62]</td><td>Higher Learning Commission</td></tr><tr><td>Software</td><td></td><td></td><td></td></tr></tbody></table>
<table><caption>**Table 2.** Major, career, and example online college.</caption><thead><tr><td>Type</td><td>Career</td><td>Example Source of Remote Education</td></tr></thead><tbody><tr><td>Architecture Major</td><td>Architect</td><td>University of Virginia</td></tr><tr><td>Biological Sciences Major</td><td>Psychologist</td><td>Ohio Christian University</td></tr><tr><td>Biological Sciences Major</td><td>Radiologic Technologists</td><td>University of Phoenix</td></tr><tr><td>Business Major</td><td>Accountant</td><td>Western Governors University</td></tr><tr><td>Business Major</td><td>Financial Analysts</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Advertising Sales Agents</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>PR representative</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Market researcher</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Brokerage Clerk</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Personal Financial Advisors</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Inventory controller,</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Business Operations Specialists, All Other</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Sales Managers</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Real Estate Sales Agents</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Securities, Commodities, and Financial Services Sales Agents</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Insurance Sales Agents</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Managers, All Other</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Event planner</td><td>Eastern New Mexico University</td></tr><tr><td>Business Major</td><td>Tax preparer</td><td>Eastern New Mexico University</td></tr><tr><td>Earth Sciences Major</td><td>Meteorologist</td><td>University of Phoenix</td></tr><tr><td>Engineering Major</td><td>Drafters</td><td>University of Southern Mississippi</td></tr><tr><td>Engineering Major</td><td>Software Developers and Programmers</td><td>University of Southern Mississippi</td></tr><tr><td>Engineering Major</td><td>Civil Engineers</td><td>University of Southern Mississippi</td></tr><tr><td>Engineering Major</td><td>Designers, All Other</td><td>University of Southern Mississippi</td></tr><tr><td>Liberal Arts Major</td><td>Fashion Designers</td><td>Wilmington University</td></tr><tr><td>Liberal Arts Major</td><td>Editor</td><td>Wilmington University</td></tr><tr><td>Liberal Arts Major</td><td>Technical writer</td><td>Wilmington University</td></tr><tr><td>Liberal Arts Major</td><td>Graphic designer</td><td>Wilmington University</td></tr><tr><td>Liberal Arts Major</td><td>Film and Video Editors</td><td>Wilmington University</td></tr><tr><td>Liberal Arts Major</td><td>Publicist</td><td>Wilmington University</td></tr><tr><td>Mathematics Major</td><td>Statistician</td><td>University of Southern Mississippi</td></tr><tr><td>Mathematics Major</td><td>Budget Analysts</td><td>University of Southern Mississippi</td></tr><tr><td>Mathematics Major</td><td>Actuary</td><td>University of Southern Mississippi</td></tr><tr><td>Technology Major</td><td>Computer scientist</td><td>Fort Hays State University</td></tr><tr><td>Technology Major</td><td>Information Security Analysts</td><td>Fort Hays State University</td></tr><tr><td>Technology Major</td><td>Game developer</td><td>Fort Hays State University</td></tr><tr><td>Technology Major</td><td>Software Developers, Applications</td><td>Fort Hays State University</td></tr><tr><td>Technology Major</td><td>Software Developers, Systems Software</td><td>Fort Hays State University</td></tr></tbody></table>

The payback time, in combination with how long the increased income stream lasts in time, T (years), can be converted to a return on investment with a return, R [75]:

$$ \frac{P}{S} = \frac{(1 - e^{-RT})}{R} \qquad (1) $$

where P is the principal investment, S is the savings per year, and $\frac{P}{S}$ is the working time to payback the investment. For instance, with a career length of 40 years and a payback time of 15 years, the ROI would be about 6%. Assuming that the increased income is actually adjusted for inflation, meaning that the income without the higher education rises with inflation, and the income with the higher education rises with inflation, this ROI is actually adjusted for

inflation. If this investment is compared in nominal terms (e.g. not adjusted for inflation) it would be closer to an 8% return on investment, which is normally considered excellent.

### 3. Results

The payback analysis is summarized in Table 3. For the short payback times, the rigorous method yields lower returns on investment because the fact that there is a delay between the invested money and getting a return becomes more important. However, for long payback times, the rigorous analysis gives a higher return. This is because economic growth becomes significant over these longer times.
<table><caption>**Table 3.** Career, payback time, and simple and rigorous return on investment.</caption><thead><tr><th>Career</th><th>Payback time (yr)</th><th>Simple Return on Investment</th><th>Rigorous Return on Investment</th></tr></thead><tbody><tr><td>Architect</td><td>4.2</td><td>24%</td><td>19%</td></tr><tr><td>Psychologist</td><td>3.9</td><td>26%</td><td>20%</td></tr><tr><td>Radiologic Technologists</td><td>8.1</td><td>12%</td><td>13%</td></tr><tr><td>Accountant</td><td>3.5</td><td>29%</td><td>22%</td></tr><tr><td>Financial Analysts</td><td>2.8</td><td>36%</td><td>24%</td></tr><tr><td>Advertising Sales Agents</td><td>6.9</td><td>14%</td><td>14%</td></tr><tr><td>PR representative</td><td>6</td><td>17%</td><td>15%</td></tr><tr><td>Market researcher</td><td>5.1</td><td>20%</td><td>17%</td></tr><tr><td>Brokerage Clerk</td><td>13.4</td><td>7%</td><td>10%</td></tr><tr><td>Personal Financial Advisors</td><td>2.1</td><td>47%</td><td>29%</td></tr><tr><td>Inventory controller</td><td>2.7</td><td>36%</td><td>25%</td></tr><tr><td>Business Operations Specialists, Other</td><td>4.4</td><td>23%</td><td>18%</td></tr><tr><td>Sales Managers</td><td>1.7</td><td>59%</td><td>33%</td></tr><tr><td>Real Estate Sales Agents</td><td>9.3</td><td>11%</td><td>12%</td></tr><tr><td>Securities, Commodities, and Financial Services Sales Agents</td><td>2.3</td><td>43%</td><td>27%</td></tr><tr><td>Insurance Sales Agents</td><td>6.1</td><td>16%</td><td>15%</td></tr><tr><td>Managers, All Other</td><td>2.1</td><td>48%</td><td>29%</td></tr><tr><td>Event planner</td><td>13.2</td><td>8%</td><td>10%</td></tr><tr><td>Tax preparer</td><td>36.1</td><td>0%</td><td>6%</td></tr><tr><td>Meteorologist</td><td>3</td><td>34%</td><td>23%</td></tr><tr><td>Drafters</td><td>9</td><td>11%</td><td>12%</td></tr><tr><td>Software Developers and Programmers</td><td>2.5</td><td>41%</td><td>26%</td></tr><tr><td>Civil Engineers</td><td>2.9</td><td>35%</td><td>24%</td></tr><tr><td>Designers, All Other</td><td>8.7</td><td>11%</td><td>12%</td></tr><tr><td>Fashion Designers</td><td>3.9</td><td>26%</td><td>20%</td></tr><tr><td>Editor</td><td>5.4</td><td>18%</td><td>16%</td></tr><tr><td>Technical writer</td><td>4.1</td><td>24%</td><td>19%</td></tr><tr><td>Graphic designer</td><td>12.2</td><td>8%</td><td>10%</td></tr><tr><td>Film and Video Editors</td><td>3.8</td><td>27%</td><td>20%</td></tr><tr><td>Publicist</td><td>4.6</td><td>22%</td><td>18%</td></tr><tr><td>Statistician</td><td>3.1</td><td>32%</td><td>23%</td></tr><tr><td>Budget Analysts</td><td>4</td><td>25%</td><td>20%</td></tr><tr><td>Actuary</td><td>1.9</td><td>52%</td><td>31%</td></tr><tr><td>Computer scientist</td><td>1.6</td><td>64%</td><td>35%</td></tr><tr><td>Information Security Analysts</td><td>2.2</td><td>45%</td><td>28%</td></tr><tr><td>Game developer</td><td>3.9</td><td>26%</td><td>20%</td></tr><tr><td>Software Developers, Applications</td><td>1.9</td><td>52%</td><td>31%</td></tr><tr><td>Software Developers, Systems Software</td><td>1.7</td><td>58%</td><td>33%</td></tr></tbody></table>

# 4. Discussion

## 4.1. Economics of Remote Education and Employment

The concept of the payback time is widely used to evaluate investments: this is the time required to pay back the initial investment. In this case, the initial investment is the tuition and the income foregone during the time of getting the degree (opportunity cost). Since it is assumed that the student stays at home, there would not be an additional room and board cost relative to having a job that does not require higher education. The payback framework generally assumes that there is initial investment at one point in time and then a money savings beginning immediately thereafter. In the case of a college education, it typically takes four years and that is the degree evaluated here. This makes the payback time longer than the time actually spent working to pay back the education costs. However, even adjusted for inflation, wages tend to increase (this is economic growth). This is especially true for jobs that require a college education. Since a payback frame-

work assumes that education garners an increase in salary that is constant over time, the real case tends to shorten the equivalent payback time. These factors roughly cancel out. Therefore, the simple approximation of the payback time equaling the time required working to pay back the cost of education is used. P is the principal investment, S is the savings per year, and P/S is the working time to payback the investment. When put in these terms, many people require a very short payback of only a few years [75]. However, there are some circumstances when education can take longer to pay back. Therefore, a more helpful metric to evaluate the investment is the return on investment (ROI). Most people are familiar with this metric because it is equivalent to an interest rate on a savings account or a loan. As can be seen by the results shown in Table 3, all but three jobs (tax preparer, event planner, and brokerage clerk), not only had positive ROIs, but were deep into the double digits of return. For example, software developers can expect to earn over a 30% ROI every year over their entire careers while working at home and having been trained remotely. This again is a conservative
estimate and will be discussed in the risk section below as part of the unquestionable benefit for the graduate to have made the investment in education. To make this clearer, a case study will be presented that illustrates the pathway.

## 4.2. Case Study: Nunavut Couple

Consider a hypothetical case of a young Inuit couple living in Nunavut in a close knit, isolated community that they do not want to leave. Unfortunately, the community is depressed and has few local job prospects. The ongoing economic challenge of dependence on expensive diesel fuel for electricity and the slow uptake of renewable energy [76,77] has limited the ability of the people in Nunavut to address other issues, including housing shortages, inadequate health services, and perhaps most importantly, under-funded education [78–82]. Fortunately, QINIQ, a Canadian company, has begun to use a combination of satellite and wireless communications technology to provide broadband Internet service to 25 remote communities in the Canadian territory of Nunavut [83]. Using this access, the couple began to dabble in coding, using free online resources that teach computer programming. They started at the grade school level with Scratch, a tool developed by Lifelong Kindergarten group at MIT Media Lab [84] and then moved on to progressively more complicated coding at code.org, which is a non-profit dedicated to expanding participation in computer science by making it available in more schools and expanding participation by women and underrepresented students of color [85]. The husband became interested in pure computer science and decided to pursue his degree from Fort Hays State University, while the wife was more interested in software programming and targeted an online degree from University of Southern Mississippi. They would need to invest about $22,000 and $44,000 for their respective degrees, but upon completion, he could expect to make over $113,000 per year and she would make over $54,000 per year, bringing their family income to over $168,000, if they both chose to work full-time. This is roughly three times the median income for families living in Nunuvut and much greater than those living in isolated communities, in general [86]. It should be noted that the cost of living in northern communities, such as in this example, is significantly higher than those living in more temperate regions. Assuming full time work, their ROIs would be 26% for her and 35% for him on their investment in their education. He could gain employment at a company like IBM, because even employees who live nearby to an office rarely come to work physically, because they use the avatar interaction software, Second Life [87]. She might work for herself as a consultant providing freelance coding services. This arrangement gives them both the flexibility to continue living in their remote community, enough work-life balance to start and support a family, and a high enough income to live well and propagate higher education and higher wages for their children. In addition, as they can work from home, they can reduce their

work-related expenses to computers and broadband access, completely eliminate commute time, as well as numerous and diverse other work related expenses, and gartner time, monetary, and environmental benefits, as well. Furthermore, much of their money would be spent locally, providing additional local employment.

## 4.3. Community Preparation for Distributed Education and Employment

Based on the benefits to the individuals and the community as a whole (discussed in section 4.5), communities may want to proactively invest to assist individuals in obtaining a higher education and the remote employment that demands it; specifically, by providing high speed internet services. However, many jobs could possibly be done without high-speed Internet, because real-time conversations can be accomplished over the phone, while emails and videos can download over time. The exception would be if screen sharing or videoconferencing is required. In addition, many educational offerings still do not rely on video. In summation, although it may be possible that distance education be achieved without high-speed Internet, it would be a benefit, and for particular types of educational resources and jobs, a necessity. An example of a community already doing this is Manning, Iowa. It has a population of 1500, but it installed high-speed Internet and has attracted alumni to come back to telecommute [88].

Thus, several policies can be implemented in isolated communities to foster distributed education and employment. First, free public libraries providing both a physical location and an educational foundation to support a learning community should be supported. These libraries can act as hubs for individuals who do not have access to the computers or the Internet connections needed to gain an education (which will itself enable the individual to afford these in the future for employment). Second, offering personal, free high-speed Internet access for all citizens should be a goal for all communities, but is particularly important for isolated communities with a smaller fraction of their population with any personal Internet access. Many people do not have the financial means of computer access and this barrier can be addressed through one or more of the following: 1) community-supported information technology (IT) access, 2) donations and charity, 3) community and individual loans, and 4) reliance on free and open source hardware and software. This latter approach can radically reduce the IT infrastructure costs. For example, an open source, credit-card-sized computer such as the Raspberry Pi costs under $40 and can be made into a fully functional computer with discarded components (e.g. keyboard, mouse, and display). Similarly, outdated, Windows based computers can be salvaged from scrap yards and revitalized with Linux-based operating systems for free, significantly improving their performance and making them useful for Internet-based education.
4.4. Risks and Benefits

There are several risks when discussing this approach,
due to the fundamental limitation of this paper, which is an
implicit reliance on the ceteris paribus fallacy (i.e. the as-
sumption that external variables will remain constant, while
factors that include the global environment and the global
economy are in flux). First, will the person be able to get
the intended job? A 2014 study found that only 27% of
college graduates are in a job that matches their major
and that only 62% of college grads are in a job that re-
quires a college degree [89]. As reported by the Wash-
ington Post [90], this implies that obtaining a college level
education is of questionable merit. However, this implica-
tion has two major flaws. First, university degrees offer
graduates a wide selection of jobs that may not focus di-
rectly on their major. For example, a physics major may
get a job as a computer programmer or even a game de-
signer, and a rudimentary analysis would infer s/he was
not employed in her/his field. A deeper analysis would
uncover that many modern video/computer games, for ex-
ample, have complex physics engines to ensure realistic
game play [91]. More importantly, it is clear from U.S. Bu-
reau of Labor Statistics data that college graduates are far
more likely to have jobs, make more money, and overall
have better self efficacy in the economy [60]. So, for exam-
ple, a job like a tax preparer does not absolutely demand
a college degree, but having one makes the potential em-
ployee far more likely to acquire the job and be able to hold
on to the job in a poor economy. The reality is that indi-
viduals are far better off with college degrees than without,
even if they are not employed in positions directly related
to their specific major.

The second major risk, from an individual's perspective,
is the potential for competition, either domestically (what if
everyone in America started to use this approach?) or in-
ternationally. Today, on websites like Freelancer, there are
already incredibly talented artists, programmers, and writ-
ers, for example, that are willing to work for what would be
considered exceptionally low wages in the U.S. Thomas
Friedman notes in "The World is Flat" that native English
speakers will still have an advantage in the near-term.
However, in the medium term, there is likely to be a tal-
ented, polite, professional, English-speaking middle-class
coming out of countries like India who will be incredibly
competitive in the online job market [92]. Having a diploma
will help U.S. citizens compete, and there will still be the
opportunity to gain an even more valuable bachelor's or
graduate degree as prestigious institutions offer more on-
line training. It should be pointed out here that the op-
portunities provided by an online education are particularly
helpful to people outside of well-developed North Ameri-
can economies. The model provided here is applicable to
anyone living in an isolated community anywhere on Earth
who has the drive to complete the academic requirements,
the capital to invest in an appropriate online education (or
ability to acquire a loan), and the technical means to ac-

cess it. In many ways, the results presented here are the
worst-case scenario, as the analysis is based on the U.S.
educational system, which has exorbitant fees because of
a combination of weak government support, administrative
bloat, and excessive administrative compensation pack-
ages [93].

This last point leads to a third risk of unintended consequences. Corporate-based administrative thinking favors online education because of the scalability, cost savings, and the continued erosion of faculty autonomy [93]. Encouraging this trend, then, has the moral hazard of evolving university education to simple job training (as is common with for-profit online only educational institutes). This would further weaken the educational foundation and critical thinking skills needed in the populace for effective citizenship in a democracy, and undermine the academic freedom of university professors to challenge authorities and the paradigms that propagate inequality and human insecurity.

Even with continued changes to both the global econ-
omy and the global environment, human security is en-
hanced with education. First, the global economy is shift-
ing, as more low-skill jobs are automated. In the last few
decades, automation and off-shoring in developed coun-
tries has focused mainly on middle skill jobs, i.e. the middle
class. It is forecasted that future automation will continue
to eliminate some middle skill jobs (and even some higher
skill jobs), but the majority of the loss will be of low skilled
jobs [94]. For example, Baxter, a $22,000 robot that can
be trained by grabbing its arms and showing it what to do,
can easily replace much unskilled human labor [95]. In
their seminal paper on the potential for the future automa-
tion of jobs, Frey and Osborne found that, although 47% of
U.S. employment is at risk from near-term automation, ed-
ucational attainment exhibits a strong relationship with the
unlikelihood of computerization. This means that getting a
college education in remote areas will become even more
important in the future than it is now. It is true that higher
degrees of automation and distributed manufacturing with
3-D printing has the potential to create jobs, but as Pistono
has pointed out, often jobs created by technology employ
a small fraction of the people previously employed [96].
Furthermore, these new jobs require a high level of ed-
ucation, flexibility, intelligence, and entrepreneurship [96].
In addition, many of the new tasks created by automation
can only be handled with additional automation [95]. Of
course, there are some jobs that currently require a col-
lege degree that are likely to be automated, like legal as-
sistants and even journalists. Readers are advised to con-
sult the Appendix of Frey and Osborne on near-term deci-
sions. For example, the probability of automation for real
estate sales agents is 86%, which should be taken into ac-
count when considering the relatively high ROI calculated
in Table 3. In addition, the probability of automation of med-
ical and clinical laboratory technologists is 90%, insurance
sales agents is 92%, tax examiners, collectors, and rev-
enue agents is 93%, and accountants and auditors is 94%.
Therefore, caution purely from a financial perspective, is
recommended for people pursuing these careers. Lastly,
as continued climate destabilization occurs because of fos-
sil fuel-related pollution [97], the global economy will be
significantly affected [98] and individuals will want to miti-
gate their personal career risk. For example, education for
long-term careers associated with the coal industry are of
highly questionable utility due to both the changes occur-
ring in the industry now [99] and potential liabilities related
to climate change [100-102].

Despite these risks, it is clear from this study that with
careful selection and attainment of online training and edu-
cation, specifically with a focus on a high ROI, it is possible
to obtain remote employment in an isolated community. In
addition to the economic benefits for the individual in any
remote community in obtaining a higher education and the
concomitant income, there are also benefits to the commu-
nity. These benefits are less straight forward to quantify.
For example, the presence of a highly educated individual
(e.g. a civil engineer) in an isolated community is likely
to contribute to the community's human security in com-
plex and synergistic ways, quite independent of the engi-
neer's own economic welfare or "payback time". Such an
engineer might provide quantitative reasoning that would
be useful in community decisions made by municipalities,
help avoid scams, or improve a community's sustainabil-
ity performance. Similarly, a critical mass of highly edu-
cated individuals in a remote community who value edu-
cation for their children's community can change the edu-
cational atmosphere in schools to improve the outcomes
in future generations. It has also been found that people
with higher levels of education are more likely to become
entrepreneurs [89], thus providing additional benefits and

jobs for people in the community who are not able to obtain
higher education themselves. Educated people will also
be able to help elevate others in their communities by for-
warding/motivating a higher education philosophy, acting
as mentors, roll models, and academic and career advi-
sors, writing letters of recommendation to universities, etc.
This is particularly important for those living in aboriginal
communities where individuals do not generally have con-
tacts external to the community. The availability, and cer-
tainly the free access to the Internet, can provide an al-
most unlimited amount of valuable information and educa-
tion outside of specific degrees of study, such as health,
economy, ecology, politics, etc. Future work is needed in
this area to provide more quantitative values of these ben-
efits.

**5. Conclusions**

People wishing to remain in remote communities have tra-
ditionally been disadvantaged economically, socially, and
politically. However, the Internet has now opened up the
possibility of both remote education and remote work.
Though the investment in college education is significant,
education loans are generally available, and the return on
investment is generally far higher than the interest rate on
the loans, or any other type of traditional and typical eco-
nomic investment vehicle. This study has identified several
particularly promising majors and dozens of high-income
careers. The ability to obtain both an education and em-
ployment remotely offers the potential to bring many peo-
ple living in isolated communities out of poverty, reduce in-
equality overall, and provide those communities with viable
means of employment security, now, and in the future.

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