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What you just mentioned is the same for a lot of other professions.
$39K for a first-year teacher is pretty good when you consider that a first-year architect in NYC makes about $32K. You can add about $10K with a Master's...but with the average architecture Master's program in the area being around $800/credit, the loans start adding up. Also, unlike a M.Ed, a M.Arch is full-time and it's pretty damned hard to work even part-time while working on that degree.
But, my friends and I aren't complaining...because we knew what we were getting ourselves into.
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