Earlier quoted context omitted.
I'm always kind of fascinated by posts like this on this site. Could I ask what field you're in that pays 35k/yr, apparently in the US, is in the field of your degree, and yet is somewhat related to Hacker News? Or are you not in tech at all and this site is an outside interest? Or maybe you're just in a rural area? I don't mean this to sound challenging out all, I'm just kind of curious.
Not OP but I've worked places that in London (not exactly cheap to live), they pay a junior developer £18,000 or so - which is under $23,000. In ad agencies, in particular, this seems quite common. Usually by job hopping said junior can bump that by £10k in one go but it doesn't stop the fact people will try it and see if they can get away with it.
With the move to digital when rigor and having tech people who really know there shit Is now important they don't want to pay the rate.