Civil Life Involvement

How can a person's education predict his/her level of involvement in civil life? 

I've heard before that the more education that you have, the more involved you are in civil life, because generally, the more education a person has, the higher their income.  I forget where it came from, but I read somewhere that people with higher incomes are more invested in groups such as PTA or other service opportunities because they want to give back or are invested in making sure that their children have the same success as they did.

Honestly, in my own life I do not see a correlation.  As a person almost done with college, I should be starting to become more involved in civil life, but I feel like my life is going to take the opposite turn.  Right now I'm barely involved in anything.  I have a church calling, but I haven't really done anything yet, and that's really it.  I spend the majority of my time trying to save enough money so that my husband and I can live comfortably and eventually buy a second car and a house.  Weekends are for catching up, I don't really think about serving in the community because I'm trying to establish my life right now.  

You can argue that since I haven't graduated yet that the question does not really apply to me, but I look at my parents and I see a similar pattern.  My parents both work, and they spend most of their free time trying to catch up on things that are not work related or spending time with my sister and I, or relaxing.  

I don't think that education level determines how involved a person is in civil life.  I think it is determined by how their current work and financial situation is and then if that is pretty stable, then they might become more involved.  Maybe if that person is more connected to a specific issue, like multiple children in school convinces parents to serve on the PTA, would be a better way to determine if a person will be more involved in civil life.