I guess I agree a lot with the OP because I am suffering through the same situation right now. I work in pharmaceutical company as scientist and it is so sorrowful that I work at very less pay scale than what I should be getting for designation as well as for my educational background. I studied the science field for almost 8 years after my graduation and then also my knowledge has no value because things are getting automised now a days and my boss says you dont move the finger so you get what you get. Lolz. His kind of friend of mine but surely he is also at the same thought as mine. Yup, its tough to even pay for the EMI;s very easily.