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Irene Olsen works in Milford, Conn. Olsen 95 works 20 hours a week at the Milford Senior Center to pay for rising taxes and utilities. (AP Photo/Douglas Healey)

A few years ago, Joe Navarro was looking for a way to make himself more marketable in the job market. He thought getting another degree would help him do that, so he started looking into all the options. After some thought and consideration, Navarro enrolled at the University of La Verne in La Verne, Calif., and started working on a master’s degree in gerontology.

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