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Tag: Education costs

  • Missouri, Kansas judges temporarily halt much of President Biden’s student debt forgiveness plan

    Missouri, Kansas judges temporarily halt much of President Biden’s student debt forgiveness plan

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    TOPEKA, Kan. — Federal judges in Kansas and Missouri on Monday together blocked much of a Biden administration student loan repayment plan that provides a faster path to cancellation and lower monthly payments for millions of borrowers.

    The judges’ rulings prevent the U.S. Department of Education from helping many of the intended borrowers ease their loan repayment burdens going forward under a rule set to go into effect July 1. The decisions do not cancel assistance already provided to borrowers.

    In Kansas, U.S. District Judge Daniel Crabtree ruled in a lawsuit filed by the state’s attorney general, Kris Kobach, on behalf of his state and 10 others. In his ruling, Crabtree allowed parts of the program that allow students who borrowed $12,000 or less to have the rest of their loans forgiven if they make 10 years’ worth of payments, instead of the standard 25.

    But Crabtree said that the Department of Education won’t be allowed to implement parts of the program meant to help students who had larger loans and could have their monthly payments lowered and their required payment period reduced from 25 years to 20 years.

    In Missouri, U.S. District Judge John Ross’ order applies to different parts of the program than Crabtree’s. His order says that the U.S. Department of Education cannot forgive loan balances going forward. He said the department still could lower monthly payments.

    Ross issued a ruling in a lawsuit filed by Missouri Attorney General Andrew Bailey on behalf of his state and six others.

    Together, the two rulings, each by a judge appointed by former President Barack Obama, a Democrat, appeared to greatly limit the scope of the Biden administration’s efforts to help borrowers after the U.S. Supreme Court last year rejected the Democratic president’s first attempt at a forgiveness plan. Both judges said Education Secretary Miguel Cardona exceeded the authority granted by Congress in laws dealing with students loans.

    Bailey and Kobach each hailed the decision from their state’s judge as a major legal victory against the Biden administration and argue, as many Republicans do, that forgiving some students’ loans shifts the cost of repaying them to taxpayers.

    “Only Congress has the power of the purse, not the President,” Bailey said in a statement. “Today’s ruling was a huge win for the rule of law, and for every American who Joe Biden was about to force to pay off someone else’s debt.”

    The White House said it strongly disagrees with the judges’ rulings and would continue to defend the program, and use every available tool to give relief to students and borrowers.

    In a statement, White House press secretary Karine Jean-Pierre said the Biden administration “will never stop fighting for students and borrowers — no matter how many roadblocks Republican elected officials and special interests put in our way.”

    In a statement posted on the social media platform X, leaders of the Student Borrower Protection Center, which advocates for eliminating student debt, called the decisions “partisan lawfare” and “a recipe for chaos across the student loan system.”

    “Millions of borrowers are now in limbo as they struggle to make sense of their rights under the law and the information being provided by the government and their student loan companies,” said the group’s executive director, Mike Pierce.

    In both lawsuits, the suing states sought to invalidate the entire program, which the Biden administration first made available to borrowers in July 2023, and at least 150,000 have had their loans canceled. But the judges noted that the lawsuits weren’t filed until late March in Kansas and early April in Missouri.

    “So the court doesn’t see how plaintiffs can complain of irreparable harm from them,” Crabtree wrote in his opinion.

    Both orders are preliminary, meaning the injunctions imposed by the judges would remain in effect through a trial of the separate lawsuits. However, to issue a temporary order each judge had to conclude that the states were likely to prevail in a trial.

    Kobach framed the Biden plan as “unconstitutional” and an affront to “blue collar Kansas workers who didn’t go to college.”

    There was some irony in Crabtree’s decision: Kansas is no longer a party to the lawsuit Kobach filed. Earlier this month, Crabtree ruled that Kansas and seven other states in the lawsuit — Alabama, Idaho, Iowa, Lousiana, Montana, Nebraska and Utah — couldn’t show that they’d been harmed by the new program and dismissed them as plaintiffs.

    That left Alaska, South Carolina and Texas, and Crabtree said they could sue because each has a state agency that services student loans.

    But Crabtree said that lowering monthly payments and shortening the period of required payments to earn loan forgiveness “overreach any generosity Congress has authorized before.”

    In the Missouri ruling, Ross said repayment schedules and “are well within the wheelhouse” of the department but the “plain text” of U.S. law doesn’t give it authority to forgive loans before 25 years of payments.

    Missouri also has an agency that services student loans. The other states in its lawsuit are Arkansas, Florida, Georgia, North Dakota, Ohio and Oklahoma.

    ___ This story has been updated to clarify that while the judges decisions together block much of the Biden plan, some borrowers still could see their loan repayment burdens eased going forward.

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  • Former students of the for-profit Art Institutes are approved for $6 billion in loan cancellation

    Former students of the for-profit Art Institutes are approved for $6 billion in loan cancellation

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    WASHINGTON — The Biden administration on Wednesday said it will cancel $6 billion in student loans for people who attended the Art Institutes, a system of for-profit colleges that closed the last of its campuses in 2023 amid accusations of fraud.

    Saying the chain lured students with “pervasive” lies, the Education Department is invoking its power to cancel student loans for borrowers who were misled by their colleges.

    “This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies,” President Joe Biden said in a statement.

    The Education Department will automatically erase loans for 317,000 people who attended any Art Institute campus between Jan. 1, 2004, and Oct. 16, 2017.

    The department says it’s taking action after reviewing evidence from the attorneys general of Massachusetts, Iowa and Pennsylvania, which previously investigated complaints of fraud and sued the for-profit chain.

    According to the department’s findings, the chain misled students about the success of graduates and about employment partnerships that would help students find jobs.

    The chain told prospective students that more than 80% of graduates found jobs in their fields of study, but that was largely based on doctored data, the Education Department said. The true employment rate was below 57%.

    Campuses also advertised graduate salaries that were based on fabricated data and included extreme outliers to make averages look better, the department said.

    One campus included the annual salary of tennis star Serena Williams to skew the average salary, investigators found. Williams studied fashion at the Art Institute of Fort Lauderdale, Florida.

    The chain’s tactics led borrowers to borrow high amounts of debt for programs that didn’t pay off, the department said.

    “The Art Institutes preyed on the hopes of students attempting to better their lives through education,” said Richard Cordray, chief operating officer of the Education Department’s Federal Student Aid office. “We cannot replace the time stolen from these students, but we can lift the burden of their debt.”

    On Wednesday, the Education Department will start emailing borrowers who will get their loans canceled. They won’t need to take any action, and payments already made on the loans will be refunded.

    At its height, the chain had dozens of campuses across the country, including in New York, Chicago, Miami and Los Angeles. It was operated for decades by Education Management Corp., which collapsed in 2018 after years of legal trouble.

    The company reached a $95.5 million settlement with the Justice Department in 2015 over allegations of illegal recruiting tactics. Soon after, it began closing campuses and later sold the remainder to another company.

    The final eight campuses were shuttered last year.

    The Biden administration has continued to cancel student loans through several existing programs even as it pursues a wider plan for one-time cancellation. That plan is a follow-up to one that the Supreme Court rejected last year.

    In total, the Democratic administration says it has approved the cancellation of almost $160 billion in student loans, including through programs for public workers and those defrauded by their schools.

    ___

    The Associated Press’ education coverage receives financial support from multiple private foundations. The AP is solely responsible for all content. Find the AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

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  • Biden will speak at Morehouse commencement, an election-year spotlight in front of Black voters

    Biden will speak at Morehouse commencement, an election-year spotlight in front of Black voters

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    ATLANTA — President Joe Biden will be the commencement speaker at Morehouse College in Georgia, giving the Democrat a key spotlight on one of the nation’s preeminent historically Black campuses but potentially exposing him to uncomfortable protests as he seeks reelection against former President Donald Trump.

    The White House confirmed Tuesday that Biden would speak May 19 at the alma mater of civil rights icon Martin Luther King Jr., and then address the graduating class at the United States Military Academy at West Point on May 25.

    The Morehouse announcement has drawn some backlash among the school’s supporters who also are critical of Biden’s handling of the Israel-Hamas war. That could put the White House and Biden’s reelection campaign in a difficult position as the president works to shore up the racially diverse coalition that propelled him to the Oval Office.

    Polls have suggested Biden has work to do generate the same levels of Black support he won in 2020, especially among younger voters. And by Tuesday afternoon some Morehouse alumni were circulating an online letter that condemns the administration’s invitation to Biden and seeking signatures to pressure Morehouse President David Thomas to rescind it.

    The letter, obtained by The Associated Press, said Biden’s support for Israel effectively supports genocide in Gaza and runs counter to the pacifism that King expressed with his opposition to the Vietnam War.

    “In inviting President Biden to campus, the college affirms a cruel standard that complicity in genocide merits no sanction from the institution that produced one of the towering advocates for nonviolence of the twentieth century,” the letter states, emphasizing King’s stance that “war is a hell that diminishes” humanity as a whole. “If the college cannot affirm this noble tradition of justice by rescinding its invitation to President Biden, then the college should reconsider its attachment to Dr. King.”

    Separately, NBC News has reported that Morehouse administrators are concerned that some faculty and students might organize demonstrations around Biden’s visit.

    Morehouse officials have not responded to a request for comment on its invitation and the reaction.

    Earlier Tuesday, Thomas released a statement to BET.com saying the school issued the invitation last September. That would have been before Hamas attacked Israel on Oct. 7, spurring the sustained counter-offensive that the Morehouse alumni letter called an act of genocide against Palestinians. Thomas’ letter did not reference anything about the Middle East conflict.

    “We eagerly anticipate welcoming President Biden back to The House next month,” Thomas said in his statement. “His presence serves as a reminder of our institution’s enduring legacy and impact, as well as our continued commitment to excellence, progress and positive change.”

    Biden has increasingly encountered protests this year from progressives who assert that he is too supportive of Israel in its war with Hamas. The issue has proven vexing for the president. He has long joined the U.S. foreign policy establishment in embracing Israel as an indispensable ally in the Middle East. He also has criticized Israeli Prime Minister Benjamin Netanyahu for mounting civilian deaths in Gaza and said future U.S. aid to Israel depends on taking steps to protect civilians.

    The approach has left Biden with vocal critics to his left and right at a time when he has little margin for error in the battleground states, including Georgia, that are expected to decide his rematch with Trump.

    Biden’s speech at Morehouse will mark the second consecutive spring that the president has spoken to the graduating class of a historically Black school. In 2023, he delivered the commencement address at Howard University. The Washington, D.C., school is the alma mater of Vice President Kamala Harris, the first nonwhite woman to hold that office. Morehouse, a private all-male school that is part of the multi-campus Atlanta University Center, also is the alma mater of Sen. Raphael Warnock, Georgia’s first Black U.S. senator.

    Warnock also sidestepped any consternation on campus or among his fellow alumni.

    “I could not be more thrilled and honored to see President Biden return to our great state,” the senator said in a statement. “I know the president will have a timely, poignant, forward-looking message for the men of Morehouse.”

    Biden won Georgia by fewer than 12,000 votes over Trump out of about 5 million ballots cast. The combined enrollment at Morehouse and its adjoining schools that make up the Atlanta University Center is about 9,000 students. Biden’s margin in Wisconsin was less than 21,000 votes. The president had more comfortable margins in Michigan and Pennsylvania but cannot afford to lose Black support across the metro areas of Detroit and Philadelphia.

    Among states Trump won, Biden is targeting North Carolina, which has a notable Black college student population. Trump’s margin there was about 75,000 votes.

    The administration has targeted HBCUs since Biden took office in January 2021. Harris and Cabinet members have spoken on several campuses. Among other policy achievements and priorities, the White House touts increases in federal money support for HBCUs; Biden’s efforts to forgive up to $10,000 in student loan burden per borrower and increase Pell Grants for low-income students; energy investments to combat the climate crisis, and Democrats’ support for abortion rights and decriminalizing marijuana possession.

    Warnock, in his reaction to Biden’s invitation, played up his work with the president “to address the high costs of higher education.”

    Reflecting the nation’s overall racial gaps in income and net worth, Black college students are disproportionately dependent on Pell Grants, which typically cover only a fraction of college costs, and student loans. According to Federal Reserve data, about 1 out of 3 Black households has student loan debt, compared to about 1 in 5 white households. The average Black borrower also is carrying about $10,000 more in debt than the average white borrower. Additionally, federal statistics show about 60% of Black undergraduates receive Pell Grants, compared to about 40% of the overall undergraduate population and a third of white students.

    Most historically Black colleges and universities — state-affiliated and private — were founded in the years after the end of the Civil War and chattel slavery. Most established white campuses in that post-war era, especially in the Old Confederacy, denied admission to Black applicants altogether or, in the case of many northern schools, admitted only a few Black students.

    Morehouse was founded in 1867. Spelman College, its adjacent private all-women’s school, was founded in 1881. The University of Georgia, the state’s flagship public university, meanwhile, was chartered in 1785, more than three years before the U.S. Constitution was ratified. Yet UGA did not serve Black students until Hamilton Holmes and Charlayne Hunter enrolled under a federal court order in 1961.

    Biden’s undergraduate alma mater, the University of Delaware, traces its roots to 1743, and its modern iteration began classes in 1867. The university did not include any Black student until 1948, when the 81-year-old president was 6 years old.

    ___

    Kim reported from Washington. Associated Press reporter Darren Sands contributed.

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  • Jobs in healthcare that don’t require an MD—and their salaries in Canada – MoneySense

    Jobs in healthcare that don’t require an MD—and their salaries in Canada – MoneySense

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    Healthcare job Average salary in Canada Annual tuition
    Midwife $111,000 $8,000 to $23,000
    Dental hygienist $98,000 $9,000 to $55,000
    Acupuncturist  $98,000 $5,000 to $45,000
    Physical therapist $94,000 $10,000 to $42,000
    Massage therapist $87,000 $8,000 to $35,000
    X-ray technician $82,000 $7,000 to $30,000
    Paramedic $66,000 $5,000 to $20,000
    Personal support worker $65,000 $2,000 to $4,000
    Ultrasound technician $59,000 $5,000 to $37,000
    Pharmacy technician $50,000 $5,000 to $30,000
    Note: Tuition shown in ranges, as the costs vary from program to program as well as student status.

    10 in-demand healthcare jobs that don’t require a degree

    The following list of healthcare jobs is by no means exhaustive, but it gives you a starting point in your medical career research. The base salaries come directly from those submitted by Canadian healthcare professionals to job posting website Indeed. Think about your return on investment of pursuing relevant training and education in each discipline. 

    Photo by 东旭 王 on Unsplash

    1. Midwife

    Average salary: $111,000
    From the first weeks of conception to well after delivery, midwives provide assistance to those experiencing pregnancy, childbirth and postpartum. This includes monitoring fetal health via ultrasounds, screening bloodwork and coaching. Becoming a midwife involves either getting a four-year university degree or a related postsecondary program in the field. It’s a regulated field. Tuition costs can range from $8,000 to $23,000. Like a doctor, this role also requires a period of hands-on training, and licensing rules and costs vary by province.

    2. Dental hygienist

    Average salary: $98,000
    Cleaning teeth is just one aspect of this job, but it also involves monitoring for health risks like gum disease and diabetes, taking X-rays and, of course, assisting dentists in a range of procedures and surgeries. You can become a hygienist typically in two years, depending on which college, university or post-secondary dental hygiene program you chose. Like midwives, this role also involves getting a provincial license after you pass a certification exam. Tuition costs range from approximately $9,000 to $55,000 with licensing and examination fees ranging from $400 to $1,500.

    3. Acupuncturist 

    Average salary: $98,000
    Acupuncture stimulates and balances the body’s energy by inserting tiny needles into the skin. There’s growing support in traditional medicine that it can be a great way to relieve stress, promote better sleep and other health benefits, adding to the demand for acupuncturists and their unique skills. If you already have a bachelor’s degree in science, you can take courses to get more specialized training. Otherwise, you can enroll in a three to four-year diploma program and register with your local provincial or territorial body. Tuition costs range from approximately $5,000 to $45,000. 

    Image by freepik

    4. Physical therapist

    Average salary: $94,000
    Mobility issues can come up through a sports injury, a car accident, habitual movements and restrictions, and/or through the natural aging process. Physical therapists (a.k.a. physiotherapists) work closely with patients on highly personalized treatment plans. This not only involves making detailed assessments of any challenges or limitations in a patient’s movement but setting achievable goals based on a series of exercises and in-office manipulations. Physiotherapy also requires careful ongoing monitoring for signs of progress or the need to change the treatment plan. Physical therapists need a master’s degree to practice in Canada. Courses usually take about two to two-and-a-half years to complete, and tuition costs can range from approximately $10,000 to $42,000. 

    5. Massage therapist

    Average salary: $94,000
    Massage therapists help relieve physical tension and bodily stress, but they also help educate patients on how to continue therapies with stretching and exercises they can perform independently. HWC’s Cohen sees a particular demand for healthcare jobs that support seniors and long-term care providers, and this is a good example. Becoming a massage therapist begins with taking a three-year accredited training program. If you live in B.C., Ontario, or Newfoundland and Labrador, you’ll also have to apply for a regulated license that can cost nearly $1,000 a year. There are a wide variety of accredited massage therapy schools in Canada offering diplomas as well as massage therapy courses you can take across Canada. They can take between 18 and 24 months to complete, with tuition costs ranging from approximately $8,000 to $35,000. 

    6. X-ray technician

    Average salary: $82,000
    It takes two to three years to become an X-ray technician, depending on whether you specialize in diagnostic radiography, magnetic resonance imaging, nuclear medicine technology or radiation therapy. You’ll also need to be certified by the Canadian Association of Medical Radiation Technologists, unless you’re working in B.C. or Quebec, where Certification by the Canadian Association of Medical Radiation Technologists is not required. From there, you’ll be able to assist with diagnosing and treating conditions while performing everything from mammography to CT scans. Tuition costs can range from approximately $7,000 to $30,000.

    7. Paramedic

    Average salary: $66,000
    When medical emergencies happen, paramedics are the first responders who assess illnesses, injuries and save lives. Depending on the situation, a paramedic might be applying oxygen, working with defibrillators or helping ensure patients are safely taken to a hospital. Expect to complete a one to three-year paramedical or emergency medical technology program through a college or hospital. Then you’ll be seeking both a provincial license as well as an additional license if you’ll be operating an emergency vehicle. Tuition ranges from approximately $5,000 to $20,000, while annual licensing fees range from $100 to $600, depending on the province in which you work. 

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  • Education Department starts sending financial aid data to colleges after months of delays

    Education Department starts sending financial aid data to colleges after months of delays

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    WASHINGTON — After months of delays and technical hiccups, some colleges and universities have started to receive federal data they need to put together financial aid offers for incoming students, the Biden administration said Monday.

    The Education Department says it sent a batch of student records to “a few dozen schools” on Sunday and is making final updates before expanding to more universities. The department did not say which schools received the first batch or how many student records were sent.

    The delay has cut into the time schools usually have to assemble financial aid packages before the typical May 1 deadline for students to commit to a university. Many colleges have extended enrollment deadlines as they wait on the federal government, leaving families across the nation wondering how much financial help they will get with college tuition.

    The Free Application for Federal Student Aid overhaul delayed the form’s usual rollout from October to late December. The department then soft-launched the new version to address lingering bugs in the system, but many families reported difficulties accessing the form.

    Congress ordered the update in 2020 to simplify the notoriously complex form and expand federal student aid to more low-income students. The new application reduces the number of questions from 108 to fewer than 50, and it uses a new and more generous formula to determine eligibility for federal student aid.

    The delays have had cascading impacts across higher education. FAFSA information is used to award state and federal education grants, and schools use it to assemble financial aid packages for prospective students. In the meantime, families often have only a murky idea of how much they would need to pay, which can be a dealbreaker when choosing colleges.

    Advocates fear the holdup will deter some students from pursuing higher education at all, especially those who were already on the fence.

    Repeated delays have become a blemish for the Biden administration, which has blamed Congress for rejecting requests for more money to overhaul information systems and update the decades-old application process.

    Republicans in Congress say the Government Accountability Office has launched an investigation into the administration’s handling of the overhaul.

    Every year, about 17 million students submit the FAFSA as part of their applications for financial aid. So far, 3.6 million students have been able to fill out the new FAFSA form, according to the department.

    The department updated its formula to account for inflation, which will increase the amount of aid students are eligible to receive. But the initial release didn’t include the updated inflation tool.

    In a letter to the department in February, over 100 Democratic lawmakers pressed for answers on how the department planned to minimize the impact the delays have had on families.

    “Any delays in financial aid processing will most impact the students that need aid most, including many students of color, students from mixed status families, students from rural backgrounds, students experiencing homelessness or in foster care, first-generation students, and students from underserved communities,” they wrote. “For institutions to support students’ ability to make informed decisions about their future, they need clear guidance and resources from the Department immediately on any and all next steps.”

    ___

    The Associated Press’ education coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

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  • Editorial Roundup: United States

    Editorial Roundup: United States

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    Excerpts from recent editorials in the United States and abroad:

    Feb. 17

    The Washington Post on suicides in federal prisons

    Convicted sex offender Jeffrey Epstein’s suicide and mob boss Whitey Bulger’s murder both made headlines as shocking failures of the federal prison system. But the shortcomings that led to these famous men’s deaths weren’t the exception — they were the rule.

    The Justice Department’s inspector general this week released a report on the Federal Bureau of Prisons’ manifest difficulty keeping inmates alive. Between 2014 and 2021, the investigation reveals, a total of 344 individuals died by suicide, homicide, drug overdose or other accident. The number has been increasing steadily, even as the prison population has decreased. The majority of these deaths by unnatural causes were suicides; the majority of those suicides involved inmates in single cells. The evidence suggests they were preventable.

    It’s not news that the bureau is beset by problems. This summer, the inspector general released a separate report on a surprise inspection conducted at the Federal Correctional Institution Tallahassee, a women’s prison. There, inmates dined on moldy bread and rotting vegetables, as well as cereal from bags with insects in them stored in warehouses contaminated with rodent droppings. This disgraceful treatment surely lowers the quality of life of those in residence. But other operational flaws at Tallahassee mirror the ones this week’s report identifies as contributing to avoidable deaths: short staffing among correctional officers; crumbling infrastructure; insufficient coverage by security cameras as well as haphazard screening for contraband.

    Some of the missteps the latest report spotlights could be averted by revising department policy. The Bureau of Prisons, for example, has been scrutinizing its rules on single-celling inmates — which, when those individuals are also in restrictive housing, amounts to placing them in solitary confinement. (Bulger, after his stay in a single cell pending a transfer, declared he had “lost the will to live.” ) But no policy update has come, and in multiple instances the inspector general discovered that individuals deemed at risk of self-harm were nonetheless housed alone; one of these inmates died by suicide a day after his placement in a single cell at a transfer center. The bureau ought also to modernize its security camera apparatus — a priority recommendation from the inspector general — and conduct random searches of staff to guard against illicit substances making their way inside prisons’ walls.

    Other issues plaguing the country’s prison system aren’t a matter of setting new standards but of adhering to existing ones. More than 100 of the 187 suicides in the report were by inmates in the lowest category of mental health care. The disconnect likely results in part from inadequate training for those conducting assessments; many staff, the report says, didn’t attend the requisite sessions with psychologists. Worse, sometimes those assessments didn’t even take place — either prisoners weren’t evaluated at intake, or they didn’t receive follow-up evaluations even when they exhibited behaviors, such as giving away their possessions or refusing meals, that suggested they were at risk.

    Sometimes, lapses in communication led to disaster. One service (say, health services) might recognize an inmate’s condition but fail to tell another (correctional services, for example) — or vice versa. And neglecting to complete searches of inmates’ cells could be fatal. Just as officers claimed they had searched Epstein’s cell but somehow left him enough sheets to hang himself, one stunning story featured in the report is of an inmate found dead with 1,000 pills in his unit — though it was reported searched the previous day. Staff also didn’t conduct rounds as frequently as protocol required. In one instance, following the rules could have allowed patrollers to spot an inmate braiding the rope he eventually used to kill himself.

    Perhaps most troubling of all, prisons have no way of knowing the extent of their own deficiencies. For more than one-third of the deaths covered by the report, records were lacking. No wonder: Key information on many of the bureau’s problems is absent. Director Colette Peters, asked on CBS’s “60 Minutes” last month how many additional officers the agency needed to mitigate its personnel crisis, said the bureau will specify the number “very soon” — by October, she expects.

    Fixing the bureau’s shortcomings will require sustained focus, which we hope Ms. Peters brings to an institution that has had six directors in as many years. It will also require money from Congress and support from the president. Unlike Jeffrey Epstein and Whitey Bulger, the more than 300 individuals who died preventable deaths in prisons over the past seven years didn’t make the news — but they mattered just the same.

    ONLINE: https://www.washingtonpost.com/opinions/2024/02/17/federal-prisons-suicide-deaths-epstein/

    ___

    Feb. 16

    The Wall Street Journal on the wealth tax

    Wealth taxes are like a specter in search of a host, and an already overtaxed New England state may be the first to succumb. Vermont lawmakers want to tax residents’ unrealized gains, hoping to finally break the barrier that’s kept them from draining asset values year after year.

    The state’s top tax legislator has spent recent weeks pushing bills that would dial up taxes on high earners. The biggest reach is a proposal to tax the paper gains from assets above $10 million. The plan would slap Vermont’s 8.75% top income-tax rate on half of those gains. That means a family whose business gains $3 million in value could owe $131,000, even if they don’t take out a single dollar of cash.

    Like levies on capital gains, the new tax would cut into investment returns and leave well-off Vermonters less reason to deploy their money in wealth-producing investments. Unlike a capital-gains tax, the wealth tax would create a mess of confusing estate appraisals and endless disputes with the revenue department.

    This is why no state currently taxes unrealized gains, but the author of the Vermont plan says the novelty is the point. “Given the state of our national politics, it really is up to states to be moving these things along,” said Ways and Means Committee Chair Emilie Kornheiser last year. Lawmakers in 10 states are working on wealth taxes this year, and she wants the progressive Green Mountain State to be first to enact one.

    Vermont is a popular haven for escapees of the punitive taxes in New York and Boston, and GOP Gov. Phil Scott has made the modest suggestion that a wealth tax might drive these newcomers out. Alas, Ms. Kornheiser has an answer for that one. Before introducing the bill, she brought in a Cornell sociologist to debunk the “myth” of millionaire tax flight. Never mind the masses leaving the Northeast for Florida and Texas. Relying on sociology explains a lot about progressive tax policy.

    Few state tax increases are launched without the aid of teachers unions, and the national wealth-tax push began with the American Federation of Teachers (AFT). Ms. Kornheiser wrote her bill with help from Fund Our Future, an advocacy group that traces its origin to a 2019 AFT campaign and has spawned tax proposals in California, Maryland, New York and more. The unions want to open new revenue streams for future contracts.

    Ms. Kornheiser also introduced a fallback plan to tax higher earners if the wealth-tax bill doesn’t win enough support. Instead of targeting assets, the second bill adds a 3% surtax on incomes above $500,000, bringing the state’s top income-tax rate to 11.75%. This Plan B could raise nearly $100 million a year in revenue—at least until New York’s tax refugees decide to relocate elsewhere.

    ONLINE: https://www.wsj.com/articles/vermont-wealth-tax-unrealized-gains-emilie-kornheiser-d165962e?mod=editorials_article_pos6

    ___

    Feb. 16

    The Los Angeles Times on FAFSA applications

    The federal government had supposedly made it much easier to apply for college financial aid. Except there was a glitch and students could not access the new online tool they needed. Applications were delayed by months and the numbers of students seeking aid plunged.

    That’s the scene in 2024. No, wait, that was 2017. Actually, it’s both.

    It seems as though each time the dreaded Free Application for Federal Student Aid is made easier, it (temporarily) gets a lot worse. Never has the problem been bigger than this year, when colleges have been forced to put off their application deadlines to allow more students to work their way through the impossibly mangled FAFSA system, when they can at all.

    Students are getting stuck in repeating loops, or told by the website that they already have accounts when they don’t, and if they try to access this unheard-of account, they can’t. Some parents who don’t have Social Security numbers find they can get through the system without one. Others can’t. School counselors who try to help their students get error messages but no indication of what the problem is or how to overcome it. The U.S. Education Department, which is responsible for the FAFSA, has set up help lines, but the lines are swamped with calls and many students can’t get through. As a result, the number of applications is half what it normally would be at this point.

    This week, U.S. Education Secretary Miguel Cardona said the department would soften many of the requirements for income verification, a complicated process for colleges that shouldn’t be necessary anyway, since the new system uses families’ federal tax returns. He’s also lowering other bureaucratic hurdles.

    It’s a good start but not nearly enough. Cardona should hire a host of quickly trained people to answer phones or work with families online to fill out their paperwork then and there. He also must stand prepared to offer additional financial aid to students who miss their colleges’ deadlines through no fault of their own.

    Above all, the public is owed an explanation of what appears to be a bungled rollout of the new system. The online application, which had been promised by late October, was late by nearly three months. And once it was up and running, the endless loops, mysterious error messages and other glitches made it look more like a rush job in its early phases than a sophisticated system that would lighten the load on families.

    Democratic lawmakers want guarantees that Cardona will make sure students don’t fall through the cracks. Republicans want a Government Accountability Office investigation of the still-chaotic FAFSA rollout. Both are right.

    But lawmakers also played a significant role in creating the financial-aid pandemonium this year. The Department of Education was ordered to produce this new, simpler FAFSA system at the same time that it had to start collecting student loan payments, which had been on hiatus because of the COVID-19 pandemic. That’s two massive projects, without receiving the funding the department had estimated it needed to produce a smoothly running operation. The price of that cheapness will be high.

    That’s something to remember the next time the federal government wants to “simplify” FAFSA.

    ONLINE: https://www.latimes.com/opinion/story/2024-02-16/applying-for-financial-aid-shouldnt-be-this-to

    ___

    Feb. 18

    The Guardian on Julian Assange

    It is not a secret that Julian Assange can divide opinion. But now is a time to put all such issues firmly to one side. Now is a time to stand by Mr Assange, and to do so on principle, for the sake of his freedom – and ours. There can be no divide over the attempt by the United States to have the WikiLeaks founder extradited from Britain to face charges under the US Espionage Act, which reaches a critical stage in London this week. The application embodies not just a threat to Mr Assange personally. It is also, as this newspaper has consistently argued over many years, an iniquitous threat to journalism, with global implications. It poses the most fundamental of questions about free speech. On these grounds alone, Mr Assange’s extradition should be unhesitatingly opposed.

    In 2010, WikiLeaks published revelatory US government documents exposing diplomatic and military policy in the Afghan and Iraq wars. Four years ago, during the Trump presidency, the US justice department issued a WikiLeaks-related indictment of 18 counts against Mr Assange. It charged him with multiple breaches of the 1917 Espionage Act, a statute that originally clamped down on opposition to America’s entry into the first world war. In recent years, though, the act has mainly been invoked against leakers.

    Earlier targets included the Pentagon Papers whistleblower Daniel Ellsberg, who passed documents to the New York Times exposing US government lies about the Vietnam war. Those charges were eventually dismissed, but it was a close-run thing. The Espionage Act contains no public interest defence. A person charged under it cannot present evidence about the content of the material leaked, cannot say why they did what they did and cannot argue that the public had a right to know about the issues.

    Those restrictions are no more acceptable in Mr Assange’s case than in Mr Ellsberg’s time. The free press still matters. Journalists sometimes depend on whistleblowers. The relationship between them is particularly delicate and important in cases where national security is invoked. When the unequalled global power of the US is involved, the stakes are especially large.

    But even national security, and certainly the national security of a global superpower, cannot in every single circumstance invariably override the public interest in publication and the right to know. That was the core issue in the Ellsberg case, as it also was in the WikiLeaks and Edward Snowden cases. In Espionage Act prosecutions, however, that public interest argument is always muzzled.

    This week, Mr Assange’s lawyers will seek leave to appeal against the extradition decision made in 2022 by the then home secretary Priti Patel. If he is extradited, and unless the UK relents or President Biden intervenes, he faces a criminal trial in which his arguments will be silenced, and a maximum penalty of 10 years in prison for each of the Espionage Act charges. If convicted, he could be locked away for his lifetime.

    The implications for journalism are every bit as serious. This newspaper’s journalism, and that of potentially every newspaper based in the US or an allied country, would be at risk too. If the prosecution succeeds, the New York Times lawyer in the Pentagon Papers case has said, “investigative reporting based on classified information will be given a near death blow”. That prospect is on the line in the courts this week. A society that claims to uphold freedom of the press cannot possibly remain indifferent.

    ONLINE: https://www.theguardian.com/commentisfree/2024/feb/18/the-guardian-view-on-julian-assange-why-he-should-not-be-extradited

    ___

    Feb. 19

    China Daily on Gaza, Ukraine and the upcoming U.S. election

    The generosity US lawmakers have displayed in approving sizable military assistance to Israel — about $32 billion over the past month — is in stark contrast with their stinginess toward Ukraine.

    That is directly reflected in the respective situations on the ground. While the Ukrainian forces withdrew from Avdiivka last week, a key town which in recent months had become one of the most fiercely contested battles on the eastern front, because of critical shortages of ammunition, Israel is continuing to carry out large-scale bombing of Rafah, the city on the southern edge of the Gaza Strip where 1.4 million Palestinians have fled. Interestingly, US President Joe Biden tells Tel Aviv enough is enough and Kyiv never to give up.

    It is the moral pressure from the international community over the heavy loss of civilian lives in Gaza that has prompted the Biden administration to fake its discontent at Tel Aviv going too far. Its true intention is that Israel’s Benjamin Netanyahu government should take advantage of the once-in-a-lifetime chance of the Hamas-led Oct 7 attacks to get things done over the Palestinian question once and for all, while avoiding open conflict with Iran.

    The US’ aim is for a stronger Israel to help offset the US’ withdrawal from the Middle East to a certain extent. Neither the Israeli hostages nor Palestinian civilians have ever been the consideration of Washington or Tel Aviv.

    The US’ strong support also provides the Netanyahu government a golden chance to pull through its domestic troubles that would have flared up resulting in its step-down were it not for the crusade it started under the excuse of self-defense and “counterterrorism”.

    In a similar light, it is also too early to predict the Ukrainian forces’ withdrawal from Avdiivka represents a turning point in the Russia-Ukraine conflict, as Kyiv can use it as a leverage to prompt the US lawmakers to give a green light to more aid. No wonder Biden directly tied the Ukrainian withdrawal from Avdiivka to the US Congress not approving additional military aid for Ukraine, seeking to make the most from the incident to pass the buck for the Ukraine quagmire to the Republicans.

    Actually neither the Republicans nor the Democrats would like to see a quick end to the Ukraine crisis as they both want to claim the credit for engineering an end to it under their respective government after winning the upcoming presidential election.

    That being said, until Washington thinks the political value of the Gaza and Ukraine crises have been exhausted, neither one will have a quick end.

    ONLINE: https://www.chinadaily.com.cn/a/202402/19/WS65d346b0a31082fc043b7f3d.html

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  • Is an RESP worth it? Yes, even if only for the government grants – MoneySense

    Is an RESP worth it? Yes, even if only for the government grants – MoneySense

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    Why open an RESP? Grants and tax-deferred growth

    The federal government introduced the RESP nearly 50 years ago to help families save for their kids’ post-secondary education. The big draw for parents: Investment growth inside an RESP was (and still is) tax-sheltered. You can contribute up to $50,000 per child into an RESP, and the account can stay open for up to 35 years.

    In the years since the RESP was launched, the government has added grant programs to further encourage families to save.

    RESP grants

    • Canada Education Savings Grant: The CESG is a matching grant. For the “Basic CESG,” the government will match 20% of your contributions, up to $500 per year. To get the full $500, you would need to contribute $2,500 in a year. If your family’s adjusted income is below a certain amount, you can also receive the “Additional CESG,” which is an extra 10% or 20% on your first $500 per year. The CESG’s lifetime maximum, including any Additional CESG, is $7,200 per child.
    • Canada Learning Bond (CLB): Kids born in 2004 or later whose family’s adjusted income is below a certain threshold could get $500 the first year they’re eligible, plus another $100 each year until they reach age 15, if they continue to qualify (based on income). To apply for the CLB, you don’t need to make a personal contribution. The CLB’s lifetime limit is $2,000 per child. This grant is retroactive and kids can still be eligible up to the day before they turn 21.
    • British Columbia Training and Education Savings Grant (BCTESG): For B.C. residents only, this grant adds $1,200 to an RESP. You must apply between a child’s sixth and ninth birthdays.
    • Quebec Education Savings Incentive (QESI): For Quebec residents only, this grant matches 10% of your annual RESP contribution, up to $250. The QESI’s lifetime maximum is $3,600.

    Use an RESP calculator

    The RESP is a powerful savings tool because of the CESG and other government grants. To see how they can boost the growth of your savings, try out different scenarios using an RESP calculator. You can change the variables—including the child’s age, initial deposit, monthly contributions and projected rate of return—and see how your savings might stack up against the cost of post-secondary school.

    How to open an RESP account

    To start saving for your child’s college or university expenses and take advantage of government grants, you can open a plan with an “RESP promoter”—the government’s term for a financial institution that offers RESPs. You can open an individual plan or a family RESP, for multiple kids.

    Embark, a Canadian fintech focused on education savings and planning, helps families maximize their savings and government RESP grants. It also manages RESP investments, using a “glide path” approach tailored to your child’s age. So, the closer they get to starting college or university, the more conservative the approach for managing the investments.

    More about RESPs:

    This article is sponsored.

    This is a paid post that is informative but also may feature a client’s product or service. These posts are written, edited and produced by MoneySense with assigned freelancers and approved by the client.




    About Jaclyn Law

    Jaclyn Law is MoneySense’s managing editor. She has worked in Canadian media for over 20 years, including editor roles at Chatelaine and Abilities. Jaclyn completed the Canadian Securities Course in 2022.

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    Jaclyn Law

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  • Some Americans will get their student loans canceled in February as Biden accelerates his new plan

    Some Americans will get their student loans canceled in February as Biden accelerates his new plan

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    WASHINGTON — The Biden administration will start canceling student loans for some borrowers in February as part of a new repayment plan that’s taking effect nearly six months ahead of schedule.

    Loan forgiveness was originally set to begin in July under the new SAVE repayment plan, but it’s being accelerated to provide faster relief to borrowers, President Joe Biden said Friday. It’s part of an effort “to act as quickly as possible to give more borrowers breathing room” and move on from their student debt, the Democratic president said in a statement.

    Borrowers will be eligible for cancellation if they are enrolled in the new SAVE plan, if they originally borrowed $12,000 or less to attend college, and if they have made at least 10 years of payments. The Education Department said it didn’t immediately know how many borrowers will be eligible for cancellation in February.

    Biden announced the new repayment plan last year alongside a separate plan to cancel up to $20,000 in loans for millions of Americans. The Supreme Court struck down his plan for widespread forgiveness, but the repayment plan has so far escaped that level of legal scrutiny. Republicans in Congress tried unsuccessfully to block the new repayment plan through legislation and a resolution last year.

    The accelerated forgiveness drew fire from Republicans, who called it an attempt to win voters ahead of the 2024 presidential election. North Carolina Republican Rep. Virginia Foxx, chairwoman of the House Committee on Education and the Workforce, said it will “dump even more kerosene on an already raging student debt fire.”

    The new repayment plan offers far more generous terms than several other income-driven repayment plans that it’s meant to replace. Previous plans offered cancellation after 20 or 25 years of payments, while the new plan offers it in as little as 10. The new plan also lowers monthly payments for millions of borrowers.

    Those who took out more than $12,000 will be eligible for cancellation but on a longer timeline. For each $1,000 borrowed beyond $12,000, it adds an additional year of payments on top of 10 years.

    The maximum repayment period is capped at 20 years for those with only undergraduate loans and 25 years for those with any graduate school loans.

    The Biden administration says next month’s relief will particularly help Americans who attended community colleges, which generally cost less than four-year universities. The plan aims to place community college students “on a faster track to debt forgiveness than ever before,” Education Secretary Miguel Cardona said.

    Counterintuitively, those with smaller student loan balances tend to struggle more. It’s driven by millions of Americans who take out student loans but don’t finish degrees, leaving them with the downside of debt without the upside of a higher income.

    Republicans have railed against the new repayment plan, saying it helps wealthier Americans with college degrees at the expense of taxpayers who didn’t attend college. Some say it’s a backdoor attempt to make community college free, an idea that Biden campaigned on but that failed to win support in Congress.

    Starting next month, the Education Department says it will automatically wipe away balances for eligible borrowers enrolled in the SAVE plan. The department will email borrowers who might be eligible but have not enrolled.

    Some of the plan’s provisions took hold last summer — it prevents interest from snowballing as long as borrowers make monthly payments, and it makes more Americans eligible to get their monthly bill lowered to $0.

    Other parts are scheduled to take effect in July, including a change to limit borrowers’ payments to 5% of their discretionary income, down from 10% in previous income-driven repayment plans.

    The Biden administration is separately pursuing another plan for widespread cancellation. After the Supreme Court rejected Biden’s first plan, he asked the Education Department to try again under a different legal authority. The department has been working on a new proposal that would provide relief to targeted groups of borrowers.

    ___

    The Associated Press’ education coverage receives financial support from multiple private foundations. The AP is solely responsible for all content. Find the AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

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  • ETFs and RESPs: It’s always a good time to invest in education – MoneySense

    ETFs and RESPs: It’s always a good time to invest in education – MoneySense

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    With that in mind, here’s a key date to circle on your calendar: Dec. 31. That’s the deadline for making RESP contributions to maximize government RESP grants each year. The Canada Education Savings Grant (CESG) matches 20% of what you put in, up to a limit of $500 annually. To receive the full $500, your contributions must total at least $2,500 by the end of December. The lifetime CESG maximum per beneficiary (child) is $7,200, and you can only catch up one year at a time—so, you can see why that annual deadline merits attention. That’s especially true if you only have a few years to save before your child heads off to school.

    Now is a great time to plan your contributions for this year. Here are some things to consider.

    Despite its name, an RESP is much more than just a cash savings account. In fact, just holding cash in an RESP may not always be the best strategy, as inflation can erode its value over time. It’s worth looking into different ways to grow that money.

    There’s no one-size-fits-all answer for the best RESP investment options. The right mix for your family will depend on several factors, including your financial circumstances, how much time you have, and how comfortable you are with risk. To help you make the most of your RESP, the Canada Revenue Agency (CRA) provides a list of “qualified investments” for this account, including the following:

    • Bonds: These can be either government-issued or corporate-issued. Bonds are generally seen as a safer investment compared to stocks, offering fixed interest payments over time.
    • Guaranteed investment certificates: GICs are issued by financial institutions, and you can choose terms such as one, two, three or five years. At the end of the term, you’ll receive a guaranteed amount of interest. Generally, you must wait until then to access your money.
    • Stocks: Investing in individual stocks can offer high returns, but they generally come with higher volatility than bonds and GICs. It’s essential to thoroughly research the companies you’re thinking about investing in—and remember, picking stocks can be risky!
    • Mutual funds: These funds can hold a mix of stocks, bonds and other assets. They offer diversification and are managed by financial professionals. Investors pay a percentage of the value of their investment towards annual management fees.
    • Exchange-traded funds: ETFs are similar to mutual funds in that they can hold a mix of assets like stocks and bonds. However, ETF shares trade on stock exchanges, just like individual stocks. Most ETFs are passively managed, but more active ETFs are coming onto the market.

    ETFs are a fast-growing asset class in Canada. They offer investors numerous benefits, including:

    • Built-in diversification: ETFs may bundle various assets, providing wide exposure across different sectors, asset classes and geographies, which helps in reducing investment risk.
    • Professional management: With ETFs, a fund manager oversees the selection and rebalancing of holdings, often trying to replicate specific stock market indices (such as the S&P 500), thus reducing the complexity of managing individual stocks and bonds.
    • Ease of transactions: ETFs are traded on stock exchanges and are accessible through financial advisors and online brokers.
    • Flexible asset allocation: ETFs offer a spectrum of asset allocation options, so they may be suitable for investors with different risk tolerances and investment timelines.

    Choosing the best ETF for your RESP largely depends on two variables: your time horizon (how long until your child needs the funds) and your risk tolerance (how much market fluctuation and potential losses you can comfortably handle).

    To simplify this decision-making process, one option to consider is an all-in-one ETF, such as those offered by Fidelity. These ETFs offer different asset allocations and risk classifications. Fidelity’s All-in-One ETFs have the following target asset allocations and risk classifications (as at Oct. 31, 2023):

    Fidelity All-in-One ETFs Conservative Balanced Growth Equity
    Risk classification Low to medium Low to medium Medium   Medium
    Ticker FCNS FBAL FGRO FEQT
    Equity 40% 59% 82% 97%
    Fixed income 59% 39% 15% 0%
    Crypto 1% 2% 3% 3%
    Source: Fidelity Investments Canada ULC

    Fidelity’s suite of All-in-One ETFs offers strategic diversification, with most of them giving you exposure to global bonds and stocks from all market sectors. Interestingly, they even include a small exposure to cryptocurrency (1% to 3% depending on the fund), adding a modern twist to traditional investment portfolios. (Read more about crypto in Fidelity ETFs.)

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    Tony Dong

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  • More Americans think foreign policy should be a top US priority for 2024, an AP-NORC poll finds

    More Americans think foreign policy should be a top US priority for 2024, an AP-NORC poll finds

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    WASHINGTON — In this time of war overseas, more Americans think foreign policy should be a top focus for the U.S. government in 2024, with a new poll showing international concerns and immigration rising in importance with the public.

    About 4 in 10 U.S. adults named foreign policy topics in an open-ended question that asked people to share up to five issues for the government to work on in the next year, according to a December poll from The Associated Press-NORC Center for Public Affairs Research.

    That’s about twice as many who mentioned the topic in the AP-NORC poll conducted last year.

    Long-standing economic worries still overshadow other issues. But the new poll’s findings point to increased concern about U.S. involvement overseas — 20% voiced that sentiment in the poll, versus 5% a year ago.

    It also shows that the Israeli-Hamas war is feeding public anxiety. The conflict was mentioned by 5%, while almost no one cited it a year ago. The issue has dominated geopolitics since Israel declared war on Hamas in Gaza after that group’s Oct. 7 attack on Israeli soil.

    Four percent of U.S. adults mentioned the conflict between Russia and Ukraine as something for their government to focus on this year. That’s similar to the 6% who mentioned it at the end of 2022.

    Foreign policy has gained importance among respondents from both parties. Some 46% of Republicans named it, up from 23% last year. And 34% of Democrats list foreign policy as a focal point, compared with 16% a year ago.

    Warren E. Capito, a Republican from Gordonsville, Virginia, worries China could soon invade Taiwan, creating a third major potential source of global conflict for the U.S. “They would love to have us split three ways,” he said of China, and “we’re already spread so thin.”

    Immigration is also a rising bipartisan concern.

    Overall, the poll found that concerns about immigration climbed to 35% from 27% last year. Most Republicans, 55%, say the government needs to focus on immigration in 2024, while 22% of Democrats listed immigration as a priority. That’s up from 45% and 14%, respectively, compared with December 2022.

    Janet Brewer has lived all her life in San Diego, across from Tijuana, Mexico, and said the situation on the border has deteriorated in recent years.

    “It’s a disaster,” said Brewer, 69, who works part time after running a secretarial and legal and medical transcription small business. “It’s crazy.”

    The politics of foreign military aid and immigration policy are entangled, with President Joe Biden ‘s administration promoting a $110 billion package that includes aid for Ukraine and Israel that remains stalled in Congress while Republicans push for a deal allowing major changes in immigration policy and stricter enforcement along the U.S.-Mexico border.

    Brewer said she wouldn’t vote for Biden or a Republican for president in 2024, and may opt for independent Robert F. Kennedy Jr. But she also questions whether a change in the White House would necessarily improve immigration policy.

    As for foreign aid, she said: “I know that we need to help. But come on. We’ve done enough.”

    Even as immigration and foreign policy rose as concerns, those issues were no match for worries about the economy. Inflation has fallen, unemployment is low and the U.S. has repeatedly defied predictions of a recession — yet this poll adds to a string of them showing a gloomy outlook on the economy.

    Some 76% of U.S. adults said this time that they want the government to work on issues related to the economy in 2024, nearly the same as the 75% who said so at this point in 2022.

    About 85% of Republicans and 65% of Democrats name the economy as a top issue. But Republicans are more likely than Democrats to want the government to address some specific economic issues: on inflation 41% vs. 22% and on government spending or debt, 22% vs. 7%.

    Meanwhile, 3 in 10 U.S. adults listed inflation as an issue that the government should focus on, unchanged from 2022.

    The economy is a top issue mentioned by 18- to 29-year-olds (84%), followed by inflation specifically (39%), personal finances issues (38%) and foreign policy (34%). In the same age bracket, 32% mentioned education or school loans as something for the government to address in 2024. That’s despite the Biden administration trying new, more modest efforts to cancel debts after the Supreme Court struck down its larger original push.

    Among those 30 and older, only 19% mention student loans. But Travis Brown, a 32-year-old forklift operator in Las Vegas, noted that he’s back to getting calls seeking payment of his student loans.

    “Right now, with the economy, wages are not matching,” Brown said. “Blue collar’s going away and I don’t see how that’s going to boost an economy. An economy thrives off the working class. Not off the rich.”

    Brown also suggested that the U.S. is too focused on shipping aid to its overseas allies.

    “I care about others, I do,” he said. “But when you sit here and say, ‘I just sent $50 million over to Israel’ and then I go outside and I see half a neighborhood rundown … you’ve got to take care of home.”

    One possible sign that larger sentiments on the economy could be improving slightly is that overall mentions of personal financial issues declined some, with 30% mentioning them now compared with 37% last year. Drops occurred for Democrats, 27% vs. 33%, and among Republicans, falling to 30% compared with 37% in 2022.

    One-quarter of U.S. adults say 2024 will be a better year than 2023 for them personally, and 24% expect it will be a worse year. Some 37% of Republicans expect it’ll be a worse year for them, compared with 20% of independents and 13% of Democrats.

    Just 5% of U.S. adults are “extremely” or “very” confident that the federal government can make progress on the important problems and issues facing the country in 2024, with 7% of Democrats and 11% of independents being optimistic, compared with 1% of Republicans.

    Brown is a Democrat but said he was disillusioned enough to perhaps sit out the presidential election — especially if it proves to be a 2020 rematch between Biden and former President Donald Trump, who has built a commanding early lead in the 2024 Republican primary.

    “I don’t think I will participate and maybe that’s bad,” Brown said. “But, it’s like, you’re losing faith.”

    ___

    The poll of 1,074 adults was conducted Nov. 30–Dec. 4, 2023, using a sample drawn from NORC’s probability-based AmeriSpeak Panel, designed to represent the U.S. population. The margin of sampling error for all respondents is plus or minus 4.0 percentage points.

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  • Top 5 questions about family RESPs – MoneySense

    Top 5 questions about family RESPs – MoneySense

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    What is a family RESP? 

    Canadians can choose from two types of RESPs: individual and family. Both are registered accounts, meaning that they’re registered with the federal government, and they allow your savings and investments to grow on a tax-sheltered basis. 

    Here are the key features you should know about for both types of RESPs:

    • The lifetime RESP contribution limit per beneficiary (child) is $50,000. 
    • A beneficiary can have more than one RESP (for example, if a parent opens one and a grandparent opens one), however, the maximum contribution is still $50,000. 
    • The Canada Education Savings Grant (CESG) matches 20% of the first $2,500 in RESP contributions per year. That’s $500 in free money per year! 
    • If your family’s adjusted income is below a certain amount (for 2023, it was $106,717), you can also receive the “Additional CESG,” which adds up to $100 more, after you contribute your first $500 per year. 
    • The CESG’s lifetime maximum, including Additional CESG, is $7,200 per child. 
    • Low-income families also receive the Canada Learning Bond (CLB), with no personal contribution required, to a lifetime maximum of $2,000 per child.
    • Families in British Columbia and Quebec have access to additional grants: $1,200 in British Columbia and up to $3,600 in Quebec. (Read more about these provincial RESP grants.)
    • You won’t get a tax deduction for contributing to an RESP like you would with a registered retirement savings plan (RRSP), but your contributions won’t be taxed when withdrawn.
    • Government grants and growth inside an RESP are taxed when withdrawn, but they’ll be taxed at the child’s marginal tax rate—which will likely be very low. 
    • You can turn an individual RESP into a family RESP anytime, as well as add and remove beneficiaries from the plan. 

    Now that we’ve covered RESP basics, let’s tackle five of the most common questions about family RESPs we get at Embark. 

    1. How are funds in a family RESP divided among beneficiaries? 

    Here’s where the flexibility of a family RESP comes into play. Outside of the CLB, government grants and the growth on the investments can be shared among the plan’s beneficiaries—and the amounts don’t have to be equal. So, if one child’s education costs more than another’s, you can divide the funds accordingly. You can also start using RESP funds for one child’s post-secondary education while another is still in grade school and collecting grant money. It’s nice to have that flexibility.

    2. What if one or more beneficiaries do not use their RESP funds?

    In a family RESP, one child’s unused funds can be allocated to another child’s education. If none of the beneficiaries attend school, you could keep the plan open in case they change their mind. 

    You could also transfer any unused income in the RESP to your or your partner’s RRSP as an Accumulated Income Payment (AIP). The transfer limit is $50,000, and you would have to return any government grants. Three other requirements to be aware of: You must have enough RRSP contribution room to make the transfer; the RESP must have been open for a minimum of 10 years; and the beneficiaries must be age 21 or older and not pursuing further education.

    If you don’t intend to add any more beneficiaries to the plan, and you don’t need the RESP any longer, you could close it. If eligible, your original contributions will be withdrawn tax-free, but you will pay taxes on any investment gains—unless they’re transferred to your RRSP as an AIP.

    3. Can you add another generation of beneficiaries to an existing family RESP?

    The short answer is no. Within a family RESP, all beneficiaries must be related by blood or adoption, meaning only siblings can be added to a family RESP. This would prohibit a grandparent from adding their grandchildren to a family RESP that was previously opened for their children. Additionally, since an RESP can only be open for 35 years, adding a younger sibling to a plan initially opened for someone close to or at withdrawal age would significantly cut down the time the younger beneficiary has to accumulate savings before the RESP would be closed.

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  • Schools in Portland, Oregon, reach tentative deal with teachers union after nearly month-long strike

    Schools in Portland, Oregon, reach tentative deal with teachers union after nearly month-long strike

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    PORTLAND, Ore. — Oregon’s largest school district said late Sunday it had reached a tentative agreement with its teachers union and roughly 45,000 students would be back in school Monday after more than three weeks without classes.

    The agreement must still be voted on by teachers who have been on the picket line since Nov. 1 over issues of pay, class sizes and planning time. It must also be approved by the school board, but the union agreed that classes could resume while those votes go forward. Portland Public Schools students missed 11 days of school before the district began its weeklong Thanksgiving break.

    “We are relieved to have our students returning to school and know that being out of school for the last three weeks — missing classmates, teachers and learning — has been hard for everyone,” Superintendent Guadalupe Guerrero said in a statement.

    The teachers’ union said the tentative deal was a big win for teachers and students alike in areas of classroom size, teachers salaries, health and safety and mental health supports for children still struggling from the pandemic. Students will make up missed school days by cutting a week off winter break and adding days in the new year.

    “This contract is a watershed moment for Portland students, families, and educators” said Portland Teachers Association President Angela Bonilla. “Educators have secured improvements on all our key issues. … Educators walked picket lines alongside families, students, and allies – and because of that, our schools are getting the added investment they need.”

    The deal would provide educators with a 13.8% cumulative cost-of-living increase over the next three years and about half of all educators would earn an extra 10.6% from yearly step increases, PPS said. The agreement would also add classroom time for elementary and middle grades starting next year and increase teacher planning time by 90 minutes each week for elementary and middle-aged classrooms.

    The district would also triple the number of team members dedicated to supporting students’ mental and emotional health.

    Students last attended school on Halloween.

    Many parents were supportive of the striking teachers, but as the school closures dragged on, some raised concerns about learning loss among students, especially after the long school closures during the COVID-19 pandemic. There was no online instruction during the strike.

    Tensions escalated as talks continued during the Thanksgiving break, with teachers marching on Tuesday across a major bridge and stopping rush-hour traffic for about 15 minutes. One school board member’s rental property was vandalized and another had posters taped to his car, Oregon Public Broadcasting reported.

    Even celebrities, including several actors who portray beleaguered and underfunded teachers on ABC’s hit comedy show “Abbott Elementary,” posted videos of support on the teachers union’s Facebook.

    The Portland Association of Teachers, which represents more than 4,000 educators, said it was the first teachers strike in the school district. The union has been bargaining with the district for months for a new contract after its previous one expired in June.

    Teachers were angry about growing class sizes, lack of classroom support and planning time, and salaries that haven’t kept up with inflation. The annual base salary in the district starts at roughly $50,000.

    Portland Public Schools repeatedly said it didn’t have the money to meet the union’s demands. Oregon lawmakers approved in June a record $10.2 billion K-12 budget for the next two years, but school district representatives said that wasn’t enough. Earlier this month, some state lawmakers held a news conference on the steps of the state Capitol to urge a resolution.

    The district urged voters in its statement to press state lawmakers for better school funding and said it would have to make budget cuts to afford the concessions to the teachers’ union.

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  • Christian school that objected to transgender athlete sues Vermont after it’s banned from competing

    Christian school that objected to transgender athlete sues Vermont after it’s banned from competing

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    A Vermont Christian school that withdrew its girls basketball team from a playoff game because a transgender student was playing on the opposing team is suing Vermont for barring it from state tournaments and a state tuition program.

    Mid Vermont Christian School of Quechee forfeited the Feb. 21 game, saying it believed that the transgender player jeopardized “the fairness of the game and the safety of our players.”

    The executive council of the Vermont Principals’ Association, which governs school sports and activities, ruled in March that Mid Vermont Christian had violated the council’s policies on race, gender and disability awareness, and therefore was ineligible to participate in future tournaments.

    The school filed a federal lawsuit in Burlington on Tuesday, saying the Vermont Agency of Education’s refusal to designate it as an approved independent school amounted to discrimination against religious schools.

    A separate entity, the Vermont State Board of Education, requires independent schools to post on their websites and provide to the board a statement of nondiscrimination that is consistent with the state’s public accommodation and fair employment laws, and submit a signed assurance by the head of the school that it complies with the public accommodation law.

    If a school is not approved, it cannot participate in Vermont’s town tuition program, which pays for students in communities that do not have a public school to attend other public schools or approved private schools of their choice. Approval is also needed for an independent school to have students take college courses through a state program.

    “Mid Vermont Christian and its students are being irreparably harmed” by being excluded from the programs, as well as from middle school and high school sports, the lawsuit states.

    A spokesman for the state Agency of Education declined to comment when reached by phone on Wednesday. The head of the Vermont Principals’ Association said in an email that the organization had not seen the lawsuit and had no comment at this time.

    In a separate case, the Agency of Education and several school districts last year agreed to pay tuition costs and legal fees to five families to settle two lawsuits challenging the state’s practice of not paying for students whose towns don’t have a public school to attend religious schools.

    The two sides agreed to dismiss the lawsuits after the U.S. Supreme Court ruled in June that Maine schools cannot exclude religious schools from a program that offers tuition aid for private education.

    In 2020, a divided U.S. Supreme Court ruled in a Montana case that states can’t cut religious schools out of programs that send public money to private education.

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  • What is the RESP contribution deadline? – MoneySense

    What is the RESP contribution deadline? – MoneySense

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    To maximize your savings and help to ensure your child has the funds they need when they go off to college or university, you’ll need to deposit yearly contributions—and do it before the ball drops on New Year’s Eve. An RESP can stay open for as long as 35 years, so why the urgency? You need to meet the RESP contribution deadline in order to receive the maximum amount of grant money from the government, which could be as much as $500 a year. Consider it a “holiday gift” for their future.

    Why contribute to an RESP every year

    One of the best ways for you to save for your child’s higher education is to open and contribute to an RESP. That’s because the benefits are twofold. First, a government program called the Canada Education Savings Grant (CESG) will match 20% of the annual contributions, up to $500 in a given year, to a lifetime maximum of $7,200. Children from families considered to be low-income or middle-income can get an additional 10% or 20% of the first $500 contributed to their RESP. There’s also the Canada Learning Bond (CLB), which can provide up to another $2,000 to low-income families: $500 in the first year the child is eligible to receive it, and $100 per year until the child reaches age 15.

    Second, your child’s RESP will grow tax-deferred. The gains that the investments make over time won’t be taxed until your child enrolls in a recognized post-secondary program and withdraws the funds, and as long as the money is used for their tuition, living and educational expenses.

    What if you don’t contribute $2,500 this year?

    That’s OK. The CESG gives you a chance to catch up on contributions in future years. This savings grant is available until the end of the calendar year that your child turns 17. But be aware that you can only catch up one year at a time, for a maximum grant of $1,000 in a given year. An Embark Education Savings Expert can help you calculate how much to contribute when you need to play catch-up, and how much you will receive from the government.

    What is the maximum RESP contribution?

    An RESP has a lifetime contribution limit of $50,000 per child. You can get up to $500 from the CESG in a given year—to get the full $500, the RESP contribution for the year must be at least $2,500. Contributing more than $2,500 in any year won’t get you a bigger grant, but it will give your savings more time to grow. To get the CESG maximum of $7,200, you’ll need to contribute $36,000 to the RESP.

    Make a plan for RESP contributions

    It can be hard to free up $2,500, especially leading up to the holiday season. That’s why many families break down their yearly goal into a more manageable monthly savings target. Putting aside $208 each month feels a bit more manageable. To get you to that monthly goal without feeling as much of a pinch in your household budget—which for many families is tighter than ever these days—try these savings tips:

    • Ask grandparents, other relatives and family friends to consider contributing in lieu of gifts for birthdays and holidays.
    • If you’re able, re-route some or all of the monthly government child-tax benefit you receive into the RESP.
    • When your child is old enough to start earning a bit of money (by babysitting, for example), encourage them to put some of that money into their RESP. (This is a great opportunity to teach them about compound growth.)
    • Set up a monthly or biweekly pre-authorized contribution plan to help yourself save automatically.

    To get a better idea of how your savings, combined with the CESG, could grow over the years, check out this savings calculator from Embark.

    Just think: If $2,500 is put in an RESP each year for 14 years, plus another $1,000 in the 15th year, your child will be able to get the full $7,200 from the CESG. For example, if you opened an RESP today for a two-year-old and contributed $2,500 each year to receive the maximum annual CESG contribution of $500, your savings could grow to about $59,000 by 2039. (All calculation assumptions, including assuming an average rate of return of 3%, can be found on the Embark savings calculator.)

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  • Parents like private school vouchers so much that demand is exceeding budgets in some states

    Parents like private school vouchers so much that demand is exceeding budgets in some states

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    In some states, higher-income families can now use taxpayer money to cover private school tuition — and more people than projected are taking the offer, which might force scrambles to shore up state budgets.

    It’s especially an issue in states like Arizona and Iowa, where at least some families whose children were already in private school can now take advantage of public funding.

    “It busts the budget because it’s taking on as a public expense what’s previously been a private cost,” said Josh Cowen, an education policy professor at Michigan State University.

    Advocates for school choice pitch vouchers as a way to give students in low-performing schools a way out – and, increasingly, to give parents control over what their children are taught.

    Programs funded through vouchers, tax credits or scholarships have been around since the 1990s and are now available in the majority of states. Whether students who change schools with the use of taxpayer money achieve better educational outcomes is in dispute.

    Initially, the programs were designed for lower-income students, but that’s changing. Since last year, nine states have adopted programs that are phasing out, eliminating or significantly raising income limits.

    Four of them — Arizona, Florida, Iowa and Ohio — have reported numbers with more approved applications than expected. The states might need to come up with more money for their programs as a result.

    In the remaining five, it’s too soon to tell the effect. Indiana has not released its data; Oklahoma’s system system caps total spending, Arkansas and West Virginia’s are being phased in gradually, and Utah’s does not start until next year.

    Even in the states with enrollment over projections, it’s early enough in the school year that the situation is still rife with unknowns, including how many of the families approved for scholarships will use them, how much that will cost, and what lawmakers will propose to do about it.

    Voucher supporters say demand exceeding expectations is not a problem.

    “It’s exciting,” said Ryan Cantrell, director of government affairs at American Federation for Children, which pushes for the programs. “I think that shows that parents want this option, that lawmakers are responding to something that families want.”

    Aaron Galaz said he was concerned when his son was in a southern Arizona public school previously that he was not being challenged enough academically and troubled by lessons on gender identity. So when he moved to the Phoenix area last year, he found the state’s Empowerment Scholarship Account was a way to get him into a Catholic school the family may not have been able to afford otherwise.

    “I work and I pay all those taxes the same as everyone else,” he said. “We as parents can have a choice as to where those funds go.”

    It’s a similar experience for Heather Stessman of Waterloo, Iowa. She said her two older sons, now in 7th and 8th grade, had a supportive community in elementary school. But in middle school, they witnessed bullying and fights daily, and her son with adaptive learning needs was not getting what he needed.

    Her state has a new education savings account program — which is paying for students from families of any income to switch from public to private school and for many already in private school to remain there. Stessman said that allowed her and her husband to get their middle schoolers and kindergartener into Catholic school this year. They plan to enroll their 3-year-old, when the time comes.

    “I want every kid, no matter where they go, to be able to have a good experience and to feel safe and to get a good learning education,” she said.

    Opponents of the programs are bracing for lawmakers to attempt to make up for the higher costs by further cutting public school funding, even though lawmakers have not publicly threatened to do so.

    “It’s extremely frustrating because cuts are inevitably going to happen,” said Beth Lewis, a former teacher who serves as executive director of Save Our Schools Arizona, which supports public schools and opposes vouchers.

    In Arizona, nearly 69,000 scholarships had been awarded by Oct. 14 — a little more more than lawmakers projected for the full school year. Applications have continued rolling in.

    The office of Arizona Gov. Katie Hobbs, a Democrat who opposes the program, has projected the number of students enrolled in the program signed into law by her Republican predecessor could hit nearly 9% of the state’s students and cost about 50% more than the Republican-controlled Legislature planned for.

    In an Oct. 11 report, the legislature’s budget staff said it does not yet have a clearer picture of the taxpayer cost.

    But political leaders are still sparring over the program. Hobbs labelled the vouchers “unaccountable and unsustainable,” noting homeschool parents are being reimbursed for expenses including ski passes and pianos. She called on GOP officials to make changes.

    State House Speaker Ben Toma, a Republican, said the state’s education budget is on pace to have a $77 million year-end budget surplus that could be used to cover overruns.

    “Arizona will continue to responsibly fund students, not systems,” Toma said.

    In Republican-controlled Texas, Republican Gov. Greg Abbott is pushing in a current special legislative session to bring a scholarship to a state that does not have any version of vouchers now. The latest version of the proposal would cap spending. The plans are in doubt because of opposition from Democrats and some Republicans who live in rural areas where private schools are scarce and public schools are some of the most important institutions.

    In Ohio, families of all incomes are eligible for scholarships, but those with the highest incomes cannot get the maximum amount. The state so far has received nearly 85,000 applications for the funds. Applications are still rolling in, but not everyone who is approved will end up using the benefits. Still, a Columbus Dispatch analysis found the $398 million budget for the expanded grants was likely exceeded in September.

    Ohio State Senate President Matt Huffman, a Republican and supporter of the vouchers, dismissed any concern about the state being able to cover the expense, which amounts to under 1% of the state’s total budget.

    “There’s plenty of money there to pay for these,” he said.

    ___

    Associated Press reporters Hannah Fingerhut in Des Moines, Iowa; Samantha Hendrickson in Columbus, Ohio; Isabella Volmert in Indianapolis, and Paul Weber in Austin, Texas, contributed to this report. Samantha Hendrickson is a corps member for the Associated Press/Report for America Statehouse News Initiative. Report for America is a nonprofit national service program that places journalists in local newsrooms to report on undercovered issues.

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  • Democratic governor spars with Republican challenger over pandemic policies in Kentucky debate

    Democratic governor spars with Republican challenger over pandemic policies in Kentucky debate

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    Democratic Gov. Andy Beshear defended his sweeping COVID-19 pandemic restrictions as he faced an onslaught of criticism from Republican challenger Daniel Cameron in a high-stakes debate Monday night, coming about two weeks before Kentucky’s closely watched gubernatorial election.

    Cameron acknowledged, meanwhile, that if elected he would sign legislation that included school vouchers, after being pressed for his stand on the divisive education issue.

    The bitter rivals sparred over the economy, education policies, abortion and transgender issues during the hourlong debate shown statewide on Kentucky Educational Television. They were pressed to drill down on many of their policy positions during the latest in a series of faceoffs before the Nov. 7 election.

    Some of their sharpest exchanges came when questioned about pandemic and education policies.

    Beshear, who is seeking reelection to a second term, was asked to critique his policies during the height of the deadly COVID-19 pandemic, while Cameron was pressed on what he would have done differently.

    The global health crisis dominated the first half of the governor’s term, and his restrictions on businesses and public gatherings have come under constant attack from Cameron, the state’s attorney general. The virus has killed more than 19,000 Kentuckians since early 2020.

    Beshear said he believed he made the best decisions he could have with the information he had at the time. Talking about the health crisis in personal terms, the governor noted that he mentioned every pandemic death in Kentucky during his daily press conferences to update people about the virus.

    “I showed people during the pandemic I was willing to make the hard decisions, even if it cost me,” Beshear said. “I put politics out the window, and I made the best decisions I could to save as many lives as possible.”

    Cameron countered that the governor infringed on constitutional rights with his restrictions.

    “This governor, because of pride, won’t tell you that he has regrets,” Cameron said.

    As the state’s attorney general, Cameron successfully led GOP-backed court fights against the governor’s pandemic actions, which essentially halted the COVID-era restrictions. Cameron said the governor’s policies amounted to executive overreach. Beshear said his actions saved lives and that he leaned heavily on guidance from former Republican President Donald Trump’s coronavirus task force.

    Cameron said Monday night that the restrictions hurt small businesses, many of which haven’t recovered. School closures during the pandemic led to widespread learning loss among students, he said.

    “Your kids are behind because of this short-sighted decision,” Cameron said, blaming it on Beshear.

    Beshear responded that he made vaccinations a priority for teachers to get schools reopened. Sending teachers back to classrooms before having access to the vaccine would have put them at risk, he said.

    “It was real,” Beshear said during another exchange about the pandemic. “And acting like we shouldn’t have taken those steps is a slap in the face at all those health care workers that marched into the COVID wings when they didn’t have enough PPE, knowing they could take it home to their families.”

    Education became another flashpoint in the debate, especially when the focus turned to school vouchers.

    Asked repeatedly for his stance, Cameron eventually said that if elected he would sign legislation that included school vouchers or scholarship tax credits. Cameron said he wants to “expand opportunity and choice,” while noting that the education plan he unveiled earlier in the campaign focuses on public schools. Democrats say that was a strategic omission meant to mask his support for school choice measures they say would weaken public education.

    Beshear, meanwhile, reiterated his staunch opposition to vouchers Monday night, saying “they steal money from our public schools and send them to our private schools.”

    As attorney general, Cameron’s office unsuccessfully defended a Republican-backed measure to award tax credits for donations supporting private school tuition. Kentucky’s Supreme Court struck down the legislation in 2022. Bills promoting charter schools and private school-related tax credits were among the most contentious faced by Kentucky lawmakers in recent years, splintering Republican supermajorities.

    Each candidate touted his plan for public education during the debate.

    Beshear has proposed an 11% pay raise for teachers and all other public school personnel, including bus drivers, janitors and cafeteria staff. The governor said the raise is needed to get enough teachers in the classrooms to help students in need catch up. Kentucky lags behind most of the country in average teacher starting pay and average teacher pay.

    Cameron has proposed raising the statewide base starting pay for new teachers, saying it would have a ripple effect by lifting pay for other teachers. Another key part of Cameron’s plan would develop an optional, 16-week tutoring program for math and reading instruction to help get students caught up.

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  • Candidates wrangle over abortion policy in Kentucky gubernatorial debate

    Candidates wrangle over abortion policy in Kentucky gubernatorial debate

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    Democratic Gov. Andy Beshear and Republican Attorney General Daniel Cameron accused each other of taking extreme stands on abortion policy Monday night as they wrangled over an issue that’s become a flashpoint in their hotly contested campaign for governor in Kentucky.

    During an hourlong debate at Northern Kentucky University in Highland Heights, Kentucky, the rivals fielded questions over education, taxes, public safety and the monthlong strike by auto workers, which has spread to Ford’s highly profitable Kentucky Truck Plant in Louisville.

    The candidates tried to one-up the other in their support for public education. Some of their sharpest exchanges during the televised debate, however, came when asked to lay out their stands on abortion.

    Their remarks, which took place about three weeks before the Nov. 7 election, came against the backdrop of Kentucky’s current abortion law, which bans the procedure except when carried out to save a pregnant woman’s life or to prevent a disabling injury.

    Beshear said that his challenger celebrated the abortion ban’s passage and pointed to Cameron’s long-running support for the law as written, without exceptions for pregnancies caused by rape or incest.

    “My opponent’s position would give a rapist more rights than their victim,” Beshear said. “It is wrong. We need to change this law. We need to make sure that those individuals have that option.”

    Once Roe v. Wade was overturned by the U.S. Supreme Court, the state’s trigger law — passed in 2019 — took effect to ban nearly all abortions.

    Cameron reiterated Monday night that he would sign a bill adding abortion exceptions if given the chance, a position he revealed during a radio interview last month.

    Cameron went on the attack by pointing to Beshear’s opposition to abortion restrictions passed by the state’s GOP-dominated legislature. As attorney general, Beshear refused to defend a law imposing a 20-week ban on abortion, and later as governor he vetoed a 15-week ban, Cameron said.

    “That is Andy Beshear’s record on the issue of life,” Cameron said. “It’s one of failure for the unborn.”

    Beshear responded that he has consistently supported “reasonable restrictions,” especially on late-term abortions. Beshear also noted that the 15-week ban lacked exceptions for rape and incest.

    Abortion polices have been at the forefront of the campaign. Beshear’s campaign released a TV ad last month featuring a Kentucky woman who revealed her own childhood trauma while calling for rape and incest exceptions. The woman, now in her early 20s, talked about having been raped by her stepfather when she was 12 years old. She became pregnant as a seventh grader but eventually miscarried.

    Meanwhile, the candidates took turns touting their plans to improve public education.

    Cameron accused the governor of mischaracterizing his plan to help students overcome learning loss when schools were closed during the pandemic.

    “We need a governor that is going to lean into this issue to fight for our kids and make sure that they have the best education system here possible in Kentucky,” Cameron said.

    Beshear highlighted his own plan calling for an 11% pay raise for teachers and all public school personnel, including bus drivers, janitors and cafeteria staff. He said he’s supported educators “every step of the way” to raise their pay and protect their pensions as governor and previously as attorney general.

    “If we want to catch our kids up in math, you have to have a math teacher,” the governor said. “And it’s also time for universal pre-K for every four-year-old in Kentucky.”

    Beshear criticized Cameron for supporting a Republican-backed measure to award tax credits for donations supporting private school tuition. The Kentucky Supreme Court struck down the measure last year. The governor and other opponents of the bill said the program would have diverted money from public schools. Supporters said the measure offered opportunities for parents who want new schooling options for their children but are unable to afford them.

    “He (Cameron) supports a voucher program that would take tens of millions of dollars out of our public school system,” Beshear said. “Out of the paychecks of our educators, out of the resources that they need, and again send them to fancy private schools.”

    Cameron has proposed raising the statewide base starting pay for new teachers, saying it would have a ripple effect by lifting pay for other teachers. Cameron’s plan also would develop an optional, 16-week tutoring program for math and reading instruction.

    “We need leadership that’s going to catch our kids up,” Cameron said.

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  • Schools’ pandemic spending boosted tech companies. Did it help US students?

    Schools’ pandemic spending boosted tech companies. Did it help US students?

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    WASHINGTON — As soon as the federal pandemic relief started arriving at America’s schools, so did the relentless calls.

    Tech companies by the dozens wanted a chance to prove their software was what schools needed. Best of all, they often added, it wouldn’t take a dime from district budgets: Schools could use their new federal money.

    They did, and at a tremendous scale.

    An Associated Press analysis of public records found many of the largest school systems spent tens of millions of dollars in pandemic money on software and services from tech companies, including licenses for apps, games and tutoring websites.

    Schools, however, have little or no evidence the programs helped students. Some of the new software was rarely used.

    The full scope of spending is unknown because the aid came with few reporting requirements. Congress gave schools a record $190 billion but didn’t require them to publicly report individual purchases.

    The AP asked the nation’s 30 largest school districts for contracts funded by federal pandemic aid. About half provided records illuminating an array of software and technology, collectively called “edtech.” Others didn’t respond or demanded fees for producing the records totaling thousands of dollars.

    Clark County schools in the Las Vegas area, for one, signed contracts worth at least $70 million over two years with 12 education technology consultants and companies. They include Achieve3000 (for a suite of learning apps), Age of Learning (for math and reading acceleration), Paper (for virtual tutoring) and Renaissance Learning (for learning apps Freckle and MyON).

    The pandemic sparked a boom for tech companies as schools went online. Revenue skyrocketed and investors poured billions into startups.

    At the same time, new marketing technology made it easier for companies to get school officials’ attention, said Chris Ryan, who left a career in edtech to help districts use technology effectively. Equipped with automated sales tools, marketers bombarded teachers and school leaders with calls, emails and targeted ads.

    “It’s probably predatory, but at the same time, schools were looking for solutions, so the doors were open,” Ryan said.

    At the school offices in rural Nekoosa, Wisconsin, the calls and emails made their way to business manager Lynn Knight.

    “I understand that they have a job to do, but when money is available, it’s like a vampire smelling blood,” she said. “It’s unbelievable how many calls we got.”

    The spending fed an industry in which research and evidence are scarce.

    “That money went to a wide variety of products and services, but it was not distributed on the basis of merit or equity or evidence,” said Bart Epstein, founder and former CEO of EdTech Evidence Exchange, a nonprofit that helps schools make the most of their technology. “It was distributed almost entirely on the strength of marketing, branding and relationships.”

    Many schools bought software to communicate with parents and teach students remotely. But some of the biggest contracts went to companies that promised to help kids catch up on learning.

    Clark County schools spent more than $7 million on Achieve3000 apps. Some were widely used, such as literacy app Smarty Ants for young students.

    Others were not. Less than half of elementary school students used Freckle, a math app that cost the district $2 million. When they did use it, sessions averaged less than five minutes.

    The district declined an interview request.

    Some Las Vegas parents say software shouldn’t be a priority in a district with issues including aging buildings and more than 1,100 teacher vacancies.

    “What’s the point of having all this software in place when you don’t even have a teacher to teach the class? It doesn’t make sense,” said Lorena Rojas, who has two teens in the district.

    Education technology accounts for a relatively small piece of pandemic spending. Tech contracts released by Clark County amount to about 6% of its $1.2 billion in federal relief money. But nearly all schools spent some money on technology.

    As districts spend the last of their pandemic aid, there is no consensus on how well the investments paid off.

    The company Edmentum says Clark County students who used one of its programs did better on standardized tests. But a study of a ThinkCERCA literacy program found it had no impact on scores.

    A team of international researchers reported in September that edtech has generally failed to live up to its potential. With little regulation, companies have few incentives to prove their products work, according to the researchers at Harvard and universities in Norway and Germany.

    The federal government has done little to intervene.

    The Education Department urges schools to use technology with a proven track record and offers a rating system to assess a product’s evidence. The lowest tier is a relatively easy target: Companies must “demonstrate a rationale” for the product, with plans to study its effectiveness. Yet studies find the vast majority of popular products fail to hit even that mark.

    “There has never been anything close to a proper accounting of what has been spent on or how it was deployed,” Epstein said. “You can call it mismanagement, you can call it a lack of oversight, you can call it a crisis. There was a lot of it.”

    Epstein has called for more federal regulation.

    “Some companies sold hundreds of thousands, even millions of dollars in products that they could see were barely ever being used,” the nonprofit CEO said.

    In Louisville, Kentucky, education technology contracts totaled more than $30 million. The Jefferson County district signed contracts with online tutoring companies Paper and FEV for a combined $7.7 million. Millions more went to companies such as Edmentum and ThinkCERCA for software to supplement classroom teaching.

    Jefferson County declined an interview request, saying most of the contracts were approved by officials who have left. Asked for records evaluating the use and effectiveness of the purchases, the district said it had none.

    The district said it is using this year as “a fresh start.”

    “We will be compiling baseline data and the new academic leadership team will be analyzing it to determine the impact these programs are having on student learning,” a district statement said.

    In Maryland’s Prince George’s County, curriculum director Kia McDaniel spent hours sifting through pitches. Her team tried to focus on software backed by independent research, but for many products that doesn’t exist.

    Often, she said, “we really did depend on the results that the sales team or the research team said that the product could deliver.”

    Students made gains using some apps, but others didn’t catch on. The district paid $1.4 million for learning support from IXL Learning, but few students used it. Another contract for online tutoring also failed to generate student interest.

    The district plans to pull back contracts that didn’t work and expand those that did.

    Even before the pandemic, there was evidence that schools struggled to manage technology. A 2019 study by education technology company Glimpse K 12 found, on average, schools let 67% of their educational software licenses go unused.

    Ryan, the former edtech marketer, said that at the end of the day, no technology can guarantee results.

    “It’s like the Wild West, figuring this out,” he said. “And if you take a huge step back, what really works is direct instruction with a kid.”

    ___

    AP data reporter Sharon Lurye contributed from New Orleans.

    ___

    The Associated Press education team receives support from the Carnegie Corporation of New York. The AP is solely responsible for all content.

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