Serving the Medical-Industrial Complex

ROBERT PARRY
http://tompaine.com
Serving the Medical-Industrial Complex
consortiumnews.com — Not only are the Republicans — and some Democrats — standing against the desires for 72 percent of the population but, in effect, they also are trying to lock in 119 million unhappy customers for a profit-making industry, and compel nearly 50 million uninsured to buy insurance under penalty of fines. Even in the sorry history of special-interest-dominated Washington, it is rare for politicians to so blatantly adopt defense of a private industry over the will of the people.

Question:
If you had the option to have health care or not which would you choose and why?

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Kristi, June 24th 2009 | Posted in Uncategorized

For Education Chief, Stimulus Means Power, Money and Risk

[polldaddy poll=1381453]

From the New York Times:

February 17, 2009

 By SAM DILLON

WASHINGTON — The $100 billion in emergency aid for public schools and colleges in the economic stimulus bill could transform Arne Duncan into an exceptional figure in the history of federal education policy: a secretary of education loaded with money and the power to spend large chunks of it as he sees fit.

But the money also poses challenges and risks for Mr. Duncan, the 44-year-old former Chicago schools chief who now heads the Department of Education.

Mr. Duncan must develop procedures on the fly for disbursing a budget that has, overnight, more than doubled, and communicate the rules quickly to all 50 states and the nation’s 14,000 school districts. And he faces thousands of tricky decisions about how much money to give to whom and for what.

“It’ll be wonderful fun for a time for his team — it’ll be like Christmas,” said Chester Finn, a former Department of Education official who has watched education secretaries or commissioners come and go here since the mid-1960s. “But the thing about discretionary spending is that it makes more people angry than it makes happy.”

The bill, which President Obama is expected to sign on Tuesday, doubles federal spending on disadvantaged and disabled children, includes hefty increases in the main federal college scholarship program and for Head Start, and, for the first time, makes billions in federal dollars available for school renovation.

Expectations are running so high, and the appetite for information is so large among the nation’s educators, that when Mr. Duncan organized a conference call last Wednesday to begin explaining the stimulus bill’s terms to a few dozen state and district superintendents, 800 callers swamped the switchboard.

Most of Mr. Duncan’s unusual power would come in disbursing a $54 billion stabilization fund intended to prevent public sector layoffs, mostly in schools. The bill sets aside $5 billion of that to reward states, districts and schools for setting high standards and narrowing achievement gaps between poor and affluent students. The law lets Mr. Duncan decide which states deserve awards and which programs merit special financing.

“It’s hard to imagine moving that much money that quickly,” said Margaret Spellings, Mr. Duncan’s predecessor, who turned her seventh-floor office over to him last month. “The point is, it’s never been done before, and as much confidence as I have in Arne Duncan, there’s an awesome opportunity for slippage with that much money moving through the meat grinder.”

Maybe Ms. Spellings is slightly jealous, since she and other secretaries stretching back decades had only small amounts of money for favored projects.

“Teeny, teeny,” said Amy Wilkins, who as vice president at the Education Trust, a civil rights group, has studied the budgets of several of Mr. Duncan’s predecessors. “Margaret was looking for quarters in her pencil drawer.”

Mr. Duncan said he understood the unusual circumstances.

“There’s going to be this extraordinary influx of resources,” he said in an interview. “So people say, ‘You’re going to be the most powerful secretary ever,’ but I have no interest in that. Power has never motivated me. What I love is opportunity, and this is a once-in-a-lifetime opportunity to do something special, to drive change, to make our schools better.”

Mr. Duncan said he intended to reward school districts, charter schools and nonprofit organizations that had demonstrated success at raising student achievement — “islands of excellence,” he called them. Programs that tie teacher pay to classroom performance will most likely receive money, as will other approaches intended to raise teacher quality, including training efforts that pair novice instructors with veteran mentors, and after-school and weekend tutoring programs.

The stimulus money will help states avert some, but most likely not all, of the education cutbacks for the 2009-10 school year resulting from state budget shortfalls that currently total some $132 billion. California, for instance, is facing a $41 billion budget shortfall, much of it in school spending, but will receive some $11 billion in education money from the stimulus, estimates the National Education Association, the nation’s largest teachers union.

The positions of deputy secretary, under secretary and chief of staff and dozens of other senior posts at the Education Department remain unfilled, so Mr. Duncan is relying on help from career officers and consultants. He has appointed teams to develop procedures for distributing the stimulus billions quickly, and many aides, he said, have been working evenings and weekends to begin organizing the effort.

“I want all of us to work hard enough and smart enough to take full advantage of this, because it’ll never happen again,” Mr. Duncan said last month in his first speech to hundreds of civil servants at department headquarters, as the outlines of the huge stimulus package were taking shape in Congress.

Urging department employees not to be deferential, he described the reception he got on his first visit to his headquarters.

“It was like, ‘Hello, Mr. Secretary-designate-nominee,’ and it didn’t feel right,” Mr. Duncan said. “My name is Arne. It’s not Mr. Secretary. Please just call me Arne.” That line drew a standing ovation.

He has hit it off well with Congress, too, so far. His wife, Karen, whom Mr. Duncan met in Australia, where he played professional basketball after his 1987 graduation from Harvard, accompanied him to his Senate confirmation, along with their daughter, Claire, 7, and son, Ryan, 4, who sat quietly during the hearing, reading storybooks.

“If you and your wife have done such a great job with Ryan, who is so well behaved, I hope you can do that with every child in American classrooms,” said Senator Johnny Isakson, Republican of Georgia.

Another Republican senator, Lamar Alexander of Tennessee, said Mr. Obama had made “several distinguished cabinet appointments.”

“I think you’re the best,” Mr. Alexander, who was education secretary under the first President Bush, said to Mr. Duncan.

But now comes the hard part.

Last year the Education Department distributed about $59 billion to states, school districts and colleges, most of it along well-worn financing paths mapped out by Congress.

“Congress usually spends two years debating the rules for how to spend $50 million,” said Jack Jennings, president of the Center on Education Policy, a research organization in Washington. “But this time they’re providing money without spelling out how it should be spent, so Arne Duncan and his staff are going to have to work out rules themselves in just weeks. He’s going to have his hands full.”

Congress has stipulated some rules, of course. To receive a share of the $54 billion stabilization fund, governors must make several “assurances” to Mr. Duncan, intended to drive school reforms: that they are developing statewide data systems that can allow schools to track individual students’ academic progress, that they are assigning experienced teachers fairly to rich and poor schools alike, and so on. Mr. Duncan has the ticklish job of ruling on whether the governors’ assurances are convincing.

And Congress has given him a $5 billion incentive fund that he can use to reward states that are raising student achievement and withhold money from states that are not. “We have states that tell the public that 90 percent of kids are meeting state standards,” Mr. Duncan said, “but when we look at how they’re doing on the National Assessment of Educational Progress, it’s nowhere close. I’m not going to reward that. I want to be transparent about the good, bad and the ugly.”

Some states and districts will get less than what they believe is their share, which could create powerful enemies.

“Secretary Duncan has a very challenging job,” said Joel Packer, a lobbyist for the National Education Association. “It’ll take a lot of effort to get this right.”

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Kristi, February 18th 2009 | Posted in On Campus, State of the State, The State of the Union

Our American democratic experiment

Obama’s Vindication of Thomas Paine

posted by John Nichols on 01/20/2009 @ 12:20pm

http://www.thenation.com/blogs/thebeat/399465/obama_s_vindication_of_thomas_paine?rel=sidebox

“I stand here today as hopeful as ever that the United States of America will endure, that it will prevail, that the dream of our founders will live on in our time.”

Barack Obama, 18 January 2009

President Barack Obama swore on Tuesday to protect and defend a Constitution that was not written in anticipation of his presidency–that was not, in fact, written in anticipation of his citizenship.

And that is where we should begin to measure the historic turning that has taken place this day.

The American experiment began with its promise constricted by the narrow vision of Virginia plantation owners who saw an African-American as three-fifths of a human being–and that scant measure only for the purpose of granting the South a greater share of the seats in a Congress that would for the better part of a century be all white, all male and all of the propertied class.

America was founded on the original sins of human bondage and violent discrimination.

Barack Obama’s inauguration does not erase that history. As W.E.B. Du Bois told us, “One is astonished in the study of history at the recurrence of the idea that evil must be forgotten, distorted, skimmed over…We must forget that George Washington was a slave owner… and simply remember the things we regard as creditable and inspiring. The difficulty, of course, with this philosophy is that history loses its value as an incentive and example; it paints perfect man and noble nations, but it does not tell the truth.”

Obama’s inauguration turns the tables on the founders.

Those who proposed and accepted the Constitution’s initial compromises, have been put in their place–not dismissed, but confirmed, finally and unequivocally, as having possessed a vision insufficient for the America that would be.

That goes for Jefferson, Madison, even for Washington (Obama’s “man who led a small band of farmers and shopkeepers in revolution against the army of an Empire”)–all the “good guys” who were not good enough to reject the crude calculus that in the words of Du Bois “classed the black man and the ox together.”

Yet Obama speaks, often and favorably, of the founders, describing them in Philadelphia just days before his inauguration as “that first band of patriots… who somehow believed that they had the power to make the world anew.”

The reference to making the world anew was borrowed–imprecisely– from one of founders. Thomas Paine called his comrades to the revolutionary cause with the cry: “We have it in our power to begin the world over again. A situation, similar to the present, hath not happened since the days of Noah until now. The birthday of a new world is at hand, and a race of men, perhaps as numerous as all Europe contains, are to receive their portion of freedom from the event of a few months.”

Obama quoted frequently from Paine, and particularly from Common Sense, during his campaign for the presidency. And he did so, again, on Tuesday, referencing Paine in a speech that spoke of a “return to these truths” of the American experiment.

 

So let us mark this day with remembrance, of who we are and how far we have traveled. In the year of America’s birth, in the coldest of months, a small band of patriots huddled by dying campfires on the shores of an icy river. The capital was abandoned. The enemy was advancing. The snow was stained with blood. At a moment when the outcome of our revolution was most in doubt, the father of our nation ordered these words be read to the people: “Let it be told to the future world…that in the depth of winter, when nothing but hope and virtue could survive…that the city and the country, alarmed at one common danger, came forth to meet [it].”

 

That line is from Paine’s The Crisis, which George Washington did, in fact, have read to the troops in the most difficult days of the revolutionary struggle.

From that reference, on Tuesday, Obama continued:

 

America. In the face of our common dangers, in this winter of our hardship, let us remember these timeless words. With hope and virtue, let us brave once more the icy currents, and endure what storms may come. Let it be said by our children’s children that when we were tested we refused to let this journey end, that we did not turn back nor did we falter; and with eyes fixed on the horizon and God’s grace upon us, we carried forth that great gift of freedom and delivered it safely to future generations.

 

It was right that Obama turned to Paine.

When the Pennsylvania Assembly considered the formal abolition of slavery in 1779, it was Paine who authored the preamble to the proposal.

Paine’s fervent objections to slavery led to his exclusion from the inner circles of American power in the first years of the republic. He died a pauper. Only history restored the man–and his vision.

And on this day, this remarkable day, Thomas Paine is fully redeemed.

Paine, to a greater extent than any of his peers, was the founder who imagined a truly United States that might offer a son of Africa and of America not merely citizenship but its presidency.

Barack Obama is wise to associate himself with the better angels of our history, including the architects of our republic who, for all their imperfections, issued–as the Rev. Martin Luther King Jr. noted on another crowded day in Washington–”wrote the magnificent words of the Constitution and the Declaration of Independence” and in so doing “(signed) a promissory note to which every American was to fall heir. This note was a promise that all men, yes, black men as well as white men, would be guaranteed the ‘unalienable Rights’ of ‘Life, Liberty and the pursuit of Happiness.’ It is obvious today that America has defaulted on this promissory note, insofar as her citizens of color are concerned. Instead of honoring this sacred obligation, America has given the Negro people a bad check, a check which has come back marked ‘insufficient funds.’”

“But,” concluded King, “we refuse to believe that the bank of justice is bankrupt.”

The bank of justice, unlike those of Wall Street, has proven to be solvent.

Our new president–and we the people–do well to recognize those who signed the promissory note.

But that does not mean that we should presume that the founders were all equally wise, or equally good.

It was Paine, the most revolutionary of their number, who proved to be the wisest, and the best, of that band of patriots–for his time, and for this time.

Today belongs to Barack Obama.

But it also belongs to Thomas Paine.

When our new president says that his election proves “the dream of our founders is alive in our time,” it is Paine’s dream of which he speaks.

That dream may not be fully realized. But it is alive–more, indeed, today than at any time in the history of a land that might yet begin our world over again.

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Kristi, January 21st 2009 | Posted in The State of the Union

3rd Annual Civic Skills Conference

On November 21st 2008, approximately 100 people; community members, college students, faculty, staff, and students from local high schools, gathered for the 3rd Annual Civic Skills Conference.

 

The day began at 7:45am with the Box City Project. Box City is a nationwide community-based education project created by the Center for Understanding the Built Environment. It teaches students, as well as adults, the importance of city planning and land use by allowing them to design and build their own city with cardboard boxes.  There was an air of excitement and innovation in the Michigan Rooms that morning and each group shared a similar theme of how they wanted to “green” their community.

 

Box City concluded at 11:15am and everyone was invited to the North Bank Center for the Luncheon and Keynote Speakers, Ashley Atkinson, Director of Project Development and Urban Agriculture for The Greening of Detroit, and Flint’s own Erin Caudell, Outreach Program Coordinator for the Ruth Mott Foundation at Applewood.

 

At 12:45 the afternoon program began and the participants had 6 different sessions to choose from to hone their civic engagement skills.  The options were: 

·        Making Your Case:  Argument Construction 101, presented by Marcus Paroske;

·        Taking Action: Personalized Politics and Social Change, presented by  Dr. Heather Laube;

·        Spreading the Word: The New Media, presented by Jonathan Jarosz, Assistant Director of University Outreach, and Christine Waters, American Democracy Project Faculty Fellow;

·        Focus on Your Assets:  Plug and Play Flint, presented by Gary Ashley, Joel Rash, and Mona Younis, University Outreach;

·        Creative Collaboration:  Multiple Organization Partnerships, presented by Erin Caudell and Franklin Pleasant, LINK Coordinator; and

·         Layers of Local and Statewide Government, presented by David Lossing, University Government Relations Director. 

At 2 pm, the High School students boarded their buses with their newly gained knowledge and those who remained had the option to attend another session as the first sessions were repeated and would conclude at 3pm.

 

The Civic Skills Conference is a great opportunity to refine one’s skills,  learn what is new or cutting edge in the realm of civic engagement, and find out what others have been doing that has been successful.  The slide show photos demonstrate that this was a great experience for all.

 

 

 

 

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Kristi, December 5th 2008 | Posted in On Campus, The State of our City-Flint

You Wanted Change? It's Time To Help

“In a nation of 300 million people with intricate, dizzying global connections and information networks, it is juvenile to think that ‘change’ that endures can come from one man, one administration or one coalition. It is naive — not earnest — to think that civic improvement is primarily ‘top down.’”

 

NPR.org, November 6, 2008 by Dick Meyer

If you’re not in the mood for earnest, this column is going to bug you: Fair warning.

Remember what John Kennedy said in his inaugural address in 1961: “My fellow Americans: Ask not what your country can do for you — ask what you can do for your country.”

I think this is a question Americans should be asking of themselves in the wake of Barack Obama’s victory. Let’s not wait until Obama puts the question in his own words when he’s sworn in on Jan. 20.

And, for the record, I would be writing the exact same column if John McCain had won.

If the political history of America for the past five years teaches anything, it is this: What voters give, voters taketh away. Often quickly. A mandate doesn’t come from an election; it is earned and built with governing and leadership in office. For all the glow of this moment, the path ahead is uncertain.

So we ask: Can Obama deliver? Are expectations too high? Who will be the chief of staff? Will he be able to balance the party’s left wing as well as its conservative Blue Dogs?

Why not ask — or at least ponder — what we can do to help? Let’s get out of citizen-as-victim mode and think of giving as well as taking.

I am not talking about joining the Peace Corps or the Marines, or volunteering to pay higher taxes.

I am talking about striving in our own professions and civic lives for what we ask — what we demand and expect — our elected leaders to deliver: more integrity, less phoniness and more consideration of the community.

I’ll volunteer my vocation as an example. Perhaps 95 percent of the American public thinks the news media are “part of the problem.” The other 5 percent work in news or don’t own televisions. Our craft is seen as tabloid, divisive, serially obsessive, and gluttonous for the trivial, argumentative, biased in sneaky ways and distorted. And the market seems to be saying to us, “Go away, we won’t pay!”

Is there a meaningful way for practitioners and leaders in journalism to “ask what you can do for your country”? After all, most news outfits are struggling just to survive. Doesn’t that justify doing whatever it takes to grab an extra buck? Doesn’t that justify MSNBC going liberal, CNN going with attitude and Fox going conservative?

These are all complicated equations, and I am simplifying. But all I am suggesting is that there are tough and unselfish questions that need to be asked in my field. Should we fight the rise of argutainment? Will we cover government with the same resources we threw at electioneering and horse-race politics? Are we using new technologies with integrity, or just looking to exploit them? I don’t know any of the answers. I do know that not asking the questions is wrong. I said this was going to be earnest.

You can go through this exercise with virtually any profession, any slice of the economy and culture.

The law: Will a Democratic regime friendly to trial lawyers, combined with colossal economic wrongdoing, lead to a destructive boom in litigation? Finance: Will society’s most well-compensated professionals find new ways to bottom-feed? Medicine: Will managed care continue to strangle common sense, caring care? Political parties: Will they reform themselves and the 23-month-long election process?

Parenting: Will parents be more careful rationing the time kids spend with gizmos and screens, and think more about manners, sportsmanship and reading? Being a citizen: Will we all think twice before posting angry epistles online, before complaining about politicians while being disengaged from our own smaller civic life, and before continuing to see the country as red/blue and divided — even though few people experience their communities that way?

In a nation of 300 million people with intricate, dizzying global connections and information networks, it is juvenile to think that “change” that endures can come from one man, one administration or one coalition. It is naive — not earnest — to think that civic improvement is primarily “top down.”

Margaret Thatcher once said, “There is no such thing as society. There are individual men and women, and there are families.”

I don’t quite agree, but her point is profound. Right now, despite the extraordinary economic conditions, the election of a new president should inspire us to ask small questions about big matters. Because it is the small stuff of people and families that do make and direct that big thing called society.

Sorry if that’s too corny for you.

 

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Kristi, November 13th 2008 | Posted in On Campus, State of the State, The State of our City-Flint, The State of the Union

A New Deal New Deal

Now that the people have voted and we have a new President-Elect, let’s get down to business!

 

 

Time Magazine, Thursday, November 6th, 2008

 

By Michael Grunwald

We’re all supposed to be keynesians now, so we should understand that government spending creates short-term economic stimulus, which is one reason the Bush-era bubble took so long to burst. But not all government spending is created equal. Obama needs to pump serious cash into the economy in a way that promotes his long-term priorities. That means billions for energy-efficient and climate-friendly infrastructure like wind turbines, solar panels and mass transit, but nothing for new sprawl roads that ravage nature and promote gas-guzzling. That means stronger levees and restored wetlands that will help protect New Orleans from the next storm, but no more traditional pork-barrel water projects that destroy wetlands and waste money. Mostly, it means revamping Washington’s dysfunctional method of selecting and funding infrastructure projects.

America’s infrastructure is broken, with more than 150,000 structurally deficient bridges, 3,500 unsafe dams and antiquated sewer systems that need an estimated $400 billion worth of improvements. That’s a big long-term problem for America’s economic competitiveness. But the Federal Government’s two basic approaches to infrastructure are broken too. The most notorious is known as “earmarking,” the stashing of pet projects into larger bills by members of Congress, and while Obama was correct to remind John McCain that earmarks are only 1% of the budget, they’re a lousy way to decide what gets built. An example: the $23 billion water-resources bill crammed with 900 projects for the already overloaded Army Corps of Engineers. These projects won’t be funded according to need, cost-effectiveness or relation to national priorities; they’ll be funded according to congressional clout. The same goes for the 6,300 earmarks — including Alaska’s “bridge to nowhere” — stuffed into the $286 billion transportation bill.

Profligate as that sounds, earmarks made up less than 10% of the bill’s cost. The rest of the cash went to state transportation agencies to spend as they pleased — often on their own roads to nowhere, which is why the bill is usually called the “highway bill” in Washington. Most states consistently favor roads over mass transit, building new roads over repairing old ones and building those new roads in rural rather than metropolitan areas. That means more sprawl, more traffic, more smog, more foreign oil and more carbon emissions, but the feds don’t seem to care. In fact, the current archaic federal rules encourage all these biases; strict cost-benefit analyses are required for transit projects, but for highway projects, you can pretty much just roll out the asphalt.

To jump-start the economy, Obama needs to spread around hundreds of billions of dollars, and he’d be wise to start with the currently underfunded efforts to restore the Everglades, coastal Louisiana and the Great Lakes; to repair crumbling dams, dikes, sewer pipes and bridges; to promote high-speed rail, light rail and other transit systems besieged by skyrocketing demand; even to accelerate research into renewable energy and alternative fuels. But first he should repeal the old water and highway bills — two of the most popular pieces of legislation on pork-obsessed Capitol Hill — and demand a new approach. He can call it a New New Deal or a Green New Deal, but it needs to be a deal, not just a spending spree. How it would work is simple: the feds would supply cash but only to promote federal priorities. So funding decisions would be made by technocrats rather than congressional ribbon-cutters — like similarly hyperpolitical military-base-closing decisions — and strings would be attached.

To his credit, Obama has proposed a “national infrastructure bank” designed to depoliticize these decisions, but he has also proposed a $25 billion bailout for fiscally strapped states, which sounds like more of the same. In the Clinton era, welfare reformers successfully argued that federal aid is not a right and that recipients have responsibilities. Now the Bush era is ending with gigantic few-strings-attached handouts to banks and talk of new bailouts for automakers who won’t even be required to increase fuel efficiency. Obama needs to make it clear that while Big Government might be necessary right now, the era of Big Government that doesn’t insist on intelligent returns on its investment is over.

 

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Kristi, November 6th 2008 | Posted in State of the State, The State of our City-Flint, The State of the Union

Michigan calls emergency meeting on GM-Chrysler talks

As published in the Lansing State Journal

October 30, 2008

Staff and wire reports

The mayor of Michigan’s third-largest city says state officials have called an emergency meeting of local governments to discuss General Motors Corp.’s possible acquisition of Chrysler LLC.

Warren Mayor Jim Fouts said today the meeting will take place at Warren city hall Friday morning. He said the Michigan Economic Development Corp. contacted him Wednesday.

Officials from cities with Chrysler or GM facilities have been invited to discuss the impact if the automakers merge.

It was not clear if Lansing and Delta Township officials would be represented. The city and the township have four GM facilities between them — the Lansing Grand River and Lansing Delta Township assembly plants, Lansing Regional Stamping facility and the Lansing Service Parts Operation.

Fouts said today the short notice for the meeting leads him to believe an announcement could be coming soon.

Detroit-based and New York’s Cerberus Capital Management LP, which owns Chrysler, are in talks to combine the automakers in order to survive, but financing is one of the biggest obstacles.

GM has been lobbying in Washington for the federal government to put money into the deal.

Meanwhile, the governors of six states have sent a letter to federal officials asking they take “immediate action” to help the troubled domestic automakers.

In their letter, the governors of Michigan, Delaware, Kentucky, New York, Ohio and South Dakota remind Treasury Secretary Henry Paulson and Federal Reserve Chairman Ben Bernanke that the domestic automakers are “particularly challenged” in the down economy.

They warn that the financial well-being of other major industries and millions of American citizens are “at risk.”

 

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Kristi, October 30th 2008 | Posted in Uncategorized

In Downturn, Families Strain to Pay Tuition

New York Times
October 17, 2008
By JONATHAN D. GLATER

 

In difficult dinner-table conversations, college students and their parents are revisiting how to pay tuition as personal finances weaken and lenders get tough.

Diana and Ronnie Jacobs, of Salem, Ind., thought their family had a workable plan for college for her twin sons, using a combination of savings, income, scholarship aid and a relatively modest amount of borrowing. Then her husband lost his job at Colgate-Palmolive.

“It just seems like it’s really hard, because it is,” Ms. Jacobs, an information technology specialist, said of her financial situation. “I have two kids in college and I want to say ‘come home,’ but at the same time I want to provide them with a good education.”

The Jacobs family may be a harbinger of what is to come. Ms. Jacobs pressed the schools’ financial offices for several thousand dollars more for each son’s final year of college, and each son increased his borrowing to the maximum amount through the federal loan program. So they at least will be able to finish at their respective colleges.

With the unemployment rate rising and a recession mentality gripping the country, financial aid administrators say they expect many more calls like the one from Ms. Jacobs. More families are applying for federal aid, and a recent survey found that an increasing portion of families expected to need student loans. College administrators worry that as fresh cracks appear in family finances, they will not have enough aid money to go around, given that their own endowment returns are disappointing, states are making cutbacks and fund-raising will become more difficult.

“We are looking ahead and trying to be prepared for what might be coming,” said Jon Riester, associate dean of financial assistance at Hanover College, a private institution with about 1,000 undergraduates, including Justin Keeton, one of Ms. Jacobs’s sons. “We’re looking internally at our own budgets to see what we may be able to do in terms of providing additional assistance to students under various situations.”

The concern is widespread, even though college officials say it’s too soon to quantify how many students will face a shortfall. Even at wealthy institutions, financial aid administrators have begun weighing contingency plans. “Part of the conversation that’s going on now in many institutions is, do we want to put a dollar figure on how much we are willing to extend ourselves,” said L. Katharine Harrington, dean of admission and financial aid at the University of Southern California.

Ms. Harrington said she opposed setting a limit on aid, but added that the university’s pockets were not bottomless. “If we start seeing massive layoffs,” she added, “we may be in for a real bumpy ride.”

The credit crisis has made it harder for students and their parents to borrow, even as their needs grow and their savings accounts dwindle. In plenty of cases, students who had been borrowing on their own have had to ask parents — and in some cases, other relatives and friends — to help cover tuition or to cosign loans, both aid officials and lenders say.

Officials at most four-year colleges say that they have not seen rampant problems so far, because students have found alternatives. The financing for the fall semester was mostly in place many months ago, before the severity of the credit crisis and the economic downturn became apparent.

Others wonder privately whether there will a rebellion by parents about paying so much for education if the country’s economic distress is prolonged. A survey of nearly 3,000 parents by Fidelity Investments released earlier this month found that 62 percent of parents planned to use student loans to help finance expenses, up from 53 percent last year.

Ms. Jacobs said that with a family income of more than $100,000 a year, they had been counting on some loans to help pay for college for her 21-year-old sons, Justin and Jacob Keeton. Tuition, room and board add up to just over $32,000 at Hanover College in Hanover, Ind., which Justin attends, and nearly $29,500 at Franklin College, in Franklin, Ind., which Jacob attends.

Then, in December, Colgate-Palmolive closed its Jeffersonville plant, where her husband worked.

“I said, ‘This year the loans are going to have to be in your name, I’m not going to be able to pick up as much as I have before,’ ” Ms. Jacobs recalled. “They said they would be willing to put the student loans in their names and continue on. We all came to that consensus, but I hate it because I hate for them to come out of school with $20,000 in student loans,” Ms. Jacobs added. “To me that is so much money.”

She also called the two colleges, and each contributed about $3,000 more in aid, she said.

Financial aid administrators have been scrambling in a rapidly changing market, as many companies have decided that student loans are just not profitable enough. Many student loan providers, citing reduced profit margins and greater difficulty selling loans, have stopped making federally guaranteed loans, private loans or both.

Federal loans account for about three-quarters of student borrowing, and the government has assured that money will flow uninterrupted by agreeing to buy those loans, even if fewer companies are in the business. Federal loan volume is likely to grow this year; the number of applications for federal aid so far this year has risen to 13.5 million, up nearly 10 percent from 12.3 million a year earlier.

Private lending, which helps families plug the gap between federal aid and the total cost of attendance, has been the fastest-growing segment over the last decade but has been undergoing rapid changes. Some of the biggest lenders, like Sallie Mae, have tightened their credit standards and raised their interest rates yet again in recent weeks. “The current financial markets provide no other choice,” Sallie Mae wrote to colleges last week. “When conditions improve, we hope to relax our underwriting criteria and serve more students.”

Tim Ranzetta, the founder of Student Lending Analytics, posted the lender’s letter on his blog, where he called it “extremely bad news for students.”

Michaela Rice, now a sophomore at Plymouth State University, is one of the students who had to redesign her borrowing after she learned in the spring that a student loan she had taken out with her father as cosigner would evaporate because the lender was getting out of that business. A financial aid specialist at Plymouth State, which has about 4,300 undergraduates in Plymouth, N.H., suggested the family switch to federal parent loans.

That led Ms. Rice to ask her mother, who is divorced from her father, to take on $17,000 in debt. The new loan, called a Parent Plus loan, has a more flexible repayment options and a fixed 8.5 percent interest rate. But it also puts her mother at risk if Ms. Rice does not earn enough as a teacher to cover repayments.

“We haven’t really sat down and talked about how am I going to pay for it,” said Ms. Rice, 19. “My senior year we’ll probably sit down.”The subject touched on other sensitive issues — in this case, the question of how Ms. Rice’s biological father might continue to help pay for her college education and what her stepfather’s role should be.

Ms. Rice’s mother, Judy Krahulec, remarried to an American Airlines pilot who already had children of his own, and she did not want to saddle him with debt for children who were not his. She and Ms. Rice hesitated over the parent loan.“If I sign papers, who am I really indebting? My husband,” Ms. Krahulec said. “That’s who I’m indebting. It’s not my loan, it’s his.”

“It would be in my mom’s name,” said Ms. Rice, who said she would repay her mother, “but it’s my stepdad’s money if anything went wrong.”

Still, she was lucky, because not all students’ parents qualify for Plus loans. To satisfy companies that make private loans, more students have had to find cosigners.

Kiara S. Holiday, a sophomore this year at High Point University in High Point, N.C., learned just weeks before classes were to start that her mother had not qualified for a Plus loan.

“It threw me for a loop,” said Ms. Holiday, who is 19. “Person after person, they just denied, like my mother, my aunts.”

Ms. Holiday said she investigated the options. But even taking advantage of larger maximum federal Stafford loan amounts available to students whose parents are denied Plus loans, she did not have enough to cover about $31,000 in tuition, room and board at High Point.

So she called her great-grandmother, an octogenarian in Boston. Ms. Holiday, who wants to go to medical school and become an immunologist in a laboratory, said that despite the poor economy, she was not worried about being able to pay her debts after graduation.

“I’m pretty sure something will work out for me,” Ms. Holiday said.

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Kristi, October 17th 2008 | Posted in On Campus, State of the State, The State of the Union

Constitution Day 2008 Wall of Expression

Constitution Day 2008 invited students to express their thoughts about pressing issues of our time and this is the result divided by the question asked:

 

1.)    After 9-11 the United States passed several laws that allowed the limited freedoms of individuals in order to protect the country from future terrorist attacks. (Including, but not limited to, phone tapping, unrestricted searches, etc.) Seven years later these laws are still in effect. Which is more important in 2008, National Security or Individual Rights?

 

Answer:

·   You can’t win a game if no one follows the rules of the game.

·   Individual Rights.

·   Individual Rights because such a law can create Marshall Law which will allow people to harm and/or further oppress others.

·   Individual Rights because we’ve been with National Security and it hasn’t done us much good.

·   Individual Rights because I am a women.

·   What’s more important is how many people and who are let into the U.S.A.

·   I believe that at this point in our history, individual rights is more important, because the last time we jumped to National Security we ended up losing some Individual Rights.

·   Individual Rights are more important. We should not give in to the fear that resulted from the attackers and because of it infringe Americans’ rights.

·   I think that Individual Rights is more important than National Security.

·   I think Individual Rights is more important right now because there hasn’t been a terrorist attack for a long time.

·   Individual Rights are more important. We should not give in to violence.

·   Individual Rights because we don’t have as much need for National Security.

·   I believe Individual Rights is more important! As long as it’s not harming anyone, you’re fine.

·   I believe 9-11 was an awful time for people.

·   I believe Individual Rights are more important.

·   Individual Rights are more important. We should not give in to villains.

·   I believe that we can be secure while still offering Individual Rights to the people, unless they offer us reason to be critically suspicious of them.

·   I believe in a smaller, centralized government with more freedoms for all.

·   I think it is National Security!!

·   I would say both. As Americans we shouldn’t have to choose just one.

·   Individual Rights, people need to be protected by the government sometimes more than terrorists.

·   They are both important. Which would be a greater good?

·   I believe Individual Rights are more important. National Security matters, but there are limits to the rights that are given to people.

·   I believe that we should have Individual Rights.

 

2.)    The Constitution was written in the late 1700s. Over the years it has been amended to give additional rights to protect various groups of citizens. Currently, immigrants and same-sex couples have argued for Constitutional protection. Should the Constitution be amended to protect these new groups?

 

Answer:

·   I believe people should have equal opportunity.

·   I believe all people should have equal opportunity.

·   A living document should reflect the lives of those it affects. 1787 was a long time ago…

·   Of course!

·   OK Duh…we’re all citizens.

·   I think it should be amended to protect its people. Denying rights to people allow for more oppression!

·   I believe that the Constitution should not be amended. It may need to be revised but not amended. We need some kind of structure.

·   Yes, they can have new groups.

·   Yes, I do think so.

·   I think the Constitution should be amended. We are all Americans and should have equal opportunities.

·   I think the Constitution should be amended to offer an equal opportunity to every citizen.

·   It depends, but you have to be fair.

·   These groups aren’t “NEW”. Lesbian, Gay, Bi people and immigrants have been a part of our country and every country forever. Denying them rights because we’ve never considered them equal before is ridiculous, immoral, and against the Constitution.

·    No, because there shouldn’t be same sex marriages in the first place, it should only be man and women.

·   I agree^.

·   These groups should be protected because they are just doing what they feel is right.

·   Anyone who believes that a document crafted 225 years ago can accurately capture the needs of the present, are delusional.

·   Yes, because it should protect all.

·   Yes. With society constantly evolving, our Constitution and policies must be adapted accordingly to ensure equality in our increasingly diverse world.

·   The Constitution should be amended to protect these groups. They are still American citizens.

·   Yes, it should protect the new groups because this is the United States, so if you live here I believe you should be protected no matter your race, religion, sex, or choices.

·   Yes, I do agree.

3.)    Free speech is protected by the Constitution but hate speech is prohibited. Should comments made on the internet (chat rooms, facebook, MySpace) be protected or prohibited by the Constitution?

 

Answer:

·   I think they should be protected and prohibited.

·   I think they should be protected as long as they are not blatantly calling for an act of violence.

·   They should be protected because you wouldn’t want someone to see your comments, messages, etc.

·   I think it should because you’ll be protected.

·   It should be protected.

·   I think it should be protected because I don’t want anybody reading my stuff.

·   I think it should be protected.

·   I think that the comments should be protected. People should be able to say whatever they feel.

·   No, hate speech should not be prohibited on the internet. It violates our rights to free speech. People don’t have a right not to be offended. The internet is for free exchange of views and opinions.

·   I think hate speeches should be protected too. Even though people might not want to hear it, it’s still their right.

·   I think that hate speeches should be protected too, because either good or bad we have freedom of speech, so I believe it’s only fair.

·   Both should be protected. We can’t outlaw ways of thought just on the majority opinion.

·   I think even though some words are extreme all the thought should be protected.

·   I think that comments should be protected and people should be able to say what they want.

4.)    Citizens today have a more global view of the world than the writers of the Constitution. The Constitution states that a person is eligible to run for President if s/he is a natural born citizen (born on U.S. soil). Should foreigners or naturalized citizens be allowed to run for PRESIDENT?

 

Answer:

·        I believe foreigners should be able to run for president because America is a melting pot of cultures and everyone should have equal choices.

·        No, because they don’t live here.

·        Yes, because you should be able to if you’re a citizen.

·        No, because the Constitution states the facts and it is how it should be.

·        In my opinion, I think that they shouldn’t be allowed to run for president due to they are from overseas and across countries. The question is what do they know about the U.S. to be our president?

·        Yes, they should be allowed as long as they understand the issues in the U.S. Maybe they can bring their worldly knowledge to an ethnocentric nation!

·        They should be allowed. They know we have issues in the U.S.A.

·        Yes, because they could make a good president.

·        Yes, a U.S. citizen should.

·        I think everybody should be able to vote.

·        Yes, because maybe they are better.

·        No, they shouldn’t be able to vote.

·        Yes, because in Michigan it does not matter what color they are.

·        Naturalized citizens should be allowed to become president. They are Americans whether or not they were born here. In my opinion YES they should be able.

 

 

What do you think?

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Kristi, October 8th 2008 | Posted in Uncategorized

Does "Pulpit Freedom Sunday" Violate IRS Code 501(c)3?

The following article is from the Alliance Defense Fund that includes information regarding the urging of pastors to violate their non-profit, tax-exempt status and advise their congragates on what their interpretation is about todays issues, how to vote on the issues and who to vote for.  Does this throw the seperation of ‘church and state’ out the window?

September 9, 2008
You may be aware of a special project we’re undertaking here at the Alliance Defense Fund, culminating in an event on Sunday, September 28 called Pulpit Freedom Sunday. We are excited about this opportunity that will, God-willing, give us the opportunity to restore now missing aspects of the First Amendment to our nation’s spiritual leaders. It’s no surprise that not everyone agrees and we have recently come under attack.

Many Americans’ attitudes and actions toward slavery, child labor, civil rights, and even the American Revolution itself started in the pews of our nation’s churches. As pastors preached and taught Biblical principles related to those issues and evaluated the politicians who promoted or decried them, their parishioners could decide their own stance in light of Scripture. Starting in 1954, that most basic right was ripped away from our pulpits.

The U.S. Congress amended IRS Code 501(c)3 without debate or analysis to restrict the speech of non-profit tax exempt entities, including churches. So, for the last 54 years, out of fear of losing their tax-exempt status, our nation’s pastors and priests have largely remained silent. Rather than risk confrontation, pastors have often self-censored their speech, ignoring blatant immorality in government and too often pronouncing their aversion from speaking about public policy. Those pastors who have longed to be relevant to society, to preach the Gospel in a way that has meaning in modern America, have studiously ignored much that has gone on in every tumultuous election season lest they drew wrath from the IRS.

On Pulpit Freedom Sunday, pastors from 20 states will reclaim their constitutional right. From the pulpit, they will advise their congregation what scripture says about today’s issues apply those issues to the candidates standing for election just like their forefathers did for 150 years. This week, the Washington Post reported opposition to Pulpit Freedom Sunday spearheaded by Americans United for Separation of Church and State. Those who oppose us publicly demand “separation of church and state” when it suits their agenda. They claim to defend “free speech,” when, actually, they want the government to monitor, censor, and control what happens in our churches and punish those whose speech violates their dark vision for America’s future.

At ADF, we do not welcome attacks but understand they will come as we humbly seek to do God’s will to defend these pastors who love God and want to serve Him. We expect complaints will be made to the IRS. We will pray and stand firm. We will represent these pastors should they come under fire and we will fight this battle all the way to the U.S. Supreme Court, if necessary. It is just that important. As theologian Dr. John Frame notes, initiatives of this type are part and parcel of our constitutional legal system:

“In some systems of law, including the United States, the only way to establish the unconstitutionality of a law is by means of a test case. Someone must break that law, undergo trial, and then use as a defense that the law is unconstitutional. Such test-case lawbreaking is not a violation of the overall system of law… but rather attempts to purify the system by eliminating inappropriate legislation.”

We will fight this battle because it is the right thing to do. Our pastors and priests should be able to use their knowledge of Scripture to advise us in all areas of life, even in politics. By God’s grace, we will win this battle, but we cannot do it alone. We need your prayers, your support and the Lord’s blessing and protection. John 15:5.

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Kristi, September 9th 2008 | Posted in The State of the Union
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