Student Loans

Subterms

    More stories

    • 150 Shares169 Views

      in Elections

      In South Carolina, Biden Tries to Persuade Black Voters to Reject Trump

      by

      President Biden sought to energize his base in the state that propelled him to the White House, but some local leaders said he needed to do more to highlight his achievements.Hoping to revitalize the momentum that propelled him to the White House, President Biden told a largely Black audience on Saturday night that “you’re the reason Donald Trump is a defeated former president,” in what was effectively his first appearance related to the Democratic primaries.Mr. Biden made clear in his remarks at a South Carolina Democratic Party dinner in Columbia, S.C., that he viewed the forthcoming week as not just a contest but a pivotal moment to energize a frustrated base of Black voters across the nation. And in the run-up to the state’s Feb. 3 Democratic presidential primary, which the party’s national committee selected last year to be the first in the nation, Democrats believe they have entered an opportune time.With former President Donald J. Trump having won both the Iowa caucuses and the New Hampshire primary for the Republican nomination, Mr. Biden’s allies plan to emphasize not just the president’s record but also the urgency of the moment: The general election effectively starts now, they say.“He has made it known what he’s going to do if he gets back into office,” Representative James E. Clyburn, Democrat of South Carolina, said of Mr. Trump in an interview. “And to see that blooming as a possibility and see him running as well as he is in the polls, I’m concerned about it.”“Do what you did before,” Mr. Clyburn said in an appeal to the Black electorate. “Turn that election around and save this democracy.”The sense of urgency is rooted in rising concerns over polls showing Mr. Biden underperforming among Black voters in battleground states, particularly among men. Some Democrats are also concerned that the high death toll in Gaza resulting from Israel’s offensive against Hamas will fuel frustration among younger voters. Twice during Saturday’s event, protesters shouting the number of civilian casualties in Gaza were removed, as attendees chanted over them, “Four more years!”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber?  More

    • 113 Shares169 Views

      in Elections

      Biden Faces Economic Challenges as Cost-of-Living Despair Floods TikTok

      by

      Economic despair dominates social media as young people fret about the cost of living. It offers a snapshot of the challenges facing Democrats ahead of the 2024 election.Look at economic data, and you’d think that young voters would be riding high right now. Unemployment remains low. Job opportunities are plentiful. Inequality is down, wage growth is finally beating inflation, and the economy has expanded rapidly this year.Look at TikTok, and you get a very different impression — one that seems more in line with both consumer confidence data and President Biden’s performance in political polls.Several of the economy-related trends getting traction on TikTok are downright dire. The term “Silent Depression” recently spawned a spate of viral videos. Clips critical of capitalism are common. On Instagram, jokes about poor housing affordability are a genre unto themselves.Social media reflects — and is potentially fueling — a deep-seated angst about the economy that is showing up in surveys of younger consumers and political polls alike. It suggests that even as the job market booms, people are focusing on long-running issues like housing affordability as they assess the economy.The economic conversation taking place virtually may offer insight into the stark disconnect between optimistic economic data and pessimistic feelings, one that has puzzled political strategists and economists.Never before was consumer sentiment this consistently depressed when joblessness was so consistently low. And voters rate Mr. Biden badly on economic matters despite rapid growth and a strong job market. Young people are especially glum: A recent poll by The New York Times and Siena College found that 59 percent of voters under 30 rated the economy as “poor.”President Biden’s campaign is working with content creators on TikTok to “amplify a positive, affirmative message” on the economy, a deputy campaign manager said.Desiree Rios for The New York TimesThat’s where social media could offer insight. Popular interest drives what content plays well — especially on TikTok, where going viral is often the goal. The platforms are also an important disseminator of information and sentiment.“A lot of people get their information from TikTok, but even if you don’t, your friends do, so you still get looped into the echo chamber,” said Kyla Scanlon, a content creator focused on economic issues who posts carefully researched explainers across TikTok, Instagram and X.Ms. Scanlon rose to prominence in the traditional news media in part for coining and popularizing the term “vibecession” for how bad consumers felt in 2022 — but she thinks 2023 has seen further souring.“I think people have gotten angrier,” she said. “I think we’re actually in a worse vibecession now.”Surveys suggest that people in Generation Z, born after 1996, heavily get their news from social media and messaging apps. And the share of U.S. adults who turn to TikTok in particular for information has been steadily climbing. Facebook is still a bigger news source because it has more users, but about 43 percent of adults who use TikTok get news from it regularly, according to a new survey by the Pew Research Center.It is difficult to say for certain whether negative news on social media is driving bad feelings about the economy, or about the Biden administration. Data and surveys struggle to capture exactly what effect specific news delivery channels — particularly newer ones — have on people’s perceptions, said Katerina Eva Matsa, director of news and information research at the Pew Research Center.“Is the news — the way it has evolved — making people view things negatively?” she asked. It’s hard to tell, she explained, but “how you’re being bombarded, entangled in all of this information might have contributed.”More Americans on TikTok Are Going There for NewsShare of each social media site’s users who regularly get news there, 2020 vs. 2023

      Source: Pew Research Center surveys of U.S. adultsBy The New York TimesMr. Biden’s re-election campaign team is cognizant that TikTok has supplanted X, formerly known as Twitter, for many young voters as a crucial information source this election cycle — and conscious of how negative it tends to be. White House officials say that some of those messages accurately reflect the messengers’ economic experiences, but that others border on misinformation that social media platforms should be policing.Rob Flaherty, a deputy campaign manager for Mr. Biden, said the campaign was working with content creators on TikTok in an effort to “amplify a positive, affirmative message” about the economy.A few political campaign posts promoting Mr. Biden’s jobs record have managed to rack up thousands of likes. But the “Silent Depression” posts have garnered hundreds of thousands — a sign of how much negativity is winning out.In those videos, influencers compare how easy it was to get by economically in 1930 versus 2023. The videos are misleading, skimming over the crucial fact that roughly one in four adults was unemployed in 1933, compared with four in 100 today. And the data they cite are often pulled from unreliable sources.But the housing affordability trend that the videos spotlight is grounded in reality. It has gotten tougher for young people to afford a property over time. The cost of a typical house was 2.4 times the typical household income around 1940, when government data start. Today, it’s 5.8 times.Nor is it just housing that’s making young people feel they’re falling behind, if you ask Freddie Smith, a 35-year-old real estate agent in Orlando, Fla., who created one especially popular “Silent Depression” video. Recently, it is also the costs of gas, groceries, cars and rent.“I think it’s the perfect storm,” Mr. Smith said. “It’s this tug of war that millennials and Gen Z are facing right now.”Inflation has cooled notably since peaking in the summer of 2022, which the Biden administration has greeted as a victory. Still, that just means that prices are no longer climbing as rapidly. Key costs remain noticeably higher than they were just a few years ago. Groceries are far more expensive than in 2019. Gas was hovering around $2.60 a gallon at the start of 2020, for instance, but is around $3.40 now.Young Americans Are Spending More and Earning MoreIncome after taxes and expenditures for householders under 25

      Source: Bureau of Labor Statistics Consumer Expenditure Survey By The New York TimesThose higher prices do not necessarily mean people are worse off: Household incomes have also gone up, so people have more money to cover the higher costs. Consumer expenditure data suggests that people under 25 — and even 35 — have been spending a roughly equivalent or smaller share of their annual budgets on groceries and gas compared with before the pandemic, at least on average.“I think things just feel harder,” said Betsey Stevenson, a professor of public policy and economics at the University of Michigan, explaining that people have what economists call a “money illusion” and think of the value of a dollar in fixed terms.And housing has genuinely been taking up a bigger chunk of the young consumer’s budget than in the years before the pandemic, as rents, home prices and mortgage costs have all increased.Housing Is Eating Up Young People’s BudgetsShare of spending devoted to each category for people under 25

      Source: Bureau of Labor Statistics Consumer Expenditure SurveyBy The New York TimesIn addition to prices, content about student loans has taken off in TikTok conversations (#studentloans has 1.3 billion views), and many of the posts are unhappy.Mr. Biden’s student-loan initiatives have been a roller coaster for millions of young Americans. He proposed last year to cancel as much as $20,000 in debt for borrowers who earn less than $125,000 a year, a plan that was estimated to cost $400 billion over several decades, only to see the Supreme Court strike down the initiative this summer.Mr. Biden has continued to push more tailored efforts, including $127 billion in total loan forgiveness for 3.6 million borrowers. But last month, his administration also ended a pandemic freeze on loan payments that applied to all borrowers — some 40 million people.The administration has tried to inject more positive programming into the social media discussion. Mr. Biden met with about 60 TikTok creators to explain his initial student loan forgiveness plan shortly after announcing it. The campaign team also sent videos to key creators, for possible sharing, of young people crying when they learned their loans had been forgiven.The Biden campaign does not pay those creators or try to dictate what they are saying, though it does advertise on digital platforms aggressively, Mr. Flaherty said.“It needs to sound authentic,” he said. More

    • 113 Shares159 Views

      in Elections

      Biden Looks for New Ways to Energize Black Voters

      by

      With much of his racial equity agenda thwarted by Congress or the courts, President Biden is trying to close an enthusiasm gap among the voters who helped deliver him to the White House.During a recent town hall with the Congressional Black Caucus, Vice President Kamala Harris offered a gut check to the 200 people who had gathered to take stock of the state of civil rights in America.“We are looking at a full-on attack on our hard-fought, hard-won freedoms,” Ms. Harris told the crowd, which erupted in applause as she spoke. “So much is at stake,” she said of the 2024 presidential election, “including our very democracy.”In 2020, President Biden promised Black voters he would deliver a sweeping “racial equity” agenda that included a landmark federal voting rights bill, student loan relief, criminal justice reform and more. Three years later, with much of that agenda thwarted by Congress or the courts, the White House is looking for new ways to re-energize a crucial constituency that helped propel Mr. Biden to the presidency.That means describing the stakes of the election in stark terms, as Ms. Harris did over the summer in Boston, arguing that the Republican Party is trying to reverse generations of racial progress in America. But Mr. Biden is also asking voters to judge him on a series of achievements that benefit Black Americans — but that are hardly the marquee promises from the early days of his administration.In recent weeks, the Biden administration has gone out of its way to highlight its economic accomplishments, which include the lowest Black unemployment rate on record and the fastest creation rate of Black-owned small businesses in over 25 years. It has pointed to social policy efforts, such as increased enrollment in Obamacare and closing the digital divide, as examples of real impacts on the Black community.Vice President Kamala Harris has defended the administration’s racial equity policies.David Degner for The New York TimesIn an opinion essay published on Sunday in The Washington Post, marking the 60th anniversary of the March on Washington, Mr. Biden said his stewardship of the economy — a top concern among Black voters — was helping to fulfill the nation’s promise of equality.The president wrote that his administration was “advancing equity in everything we do making unprecedented investments in all of America, including for Black Americans.”Administration officials acknowledge that some of those advances may not immediately resonate with a population that sees its constitutional rights under assault. While polls show continued strong support for Mr. Biden among Black voters, there are growing concerns about an enthusiasm gap among the most loyal constituencies in the Democratic Party.Neera Tanden, Mr. Biden’s domestic policy adviser, said the president was focused on dismantling inequities that had been embedded for decades.“I think we’ll have a transformative change,” Ms. Tanden said, pointing to executive orders Mr. Biden signed in his first days in office, which directed federal agencies to consider racial equity when it comes to the distribution of money and benefits.But, she added, “it won’t be something millions of people feel in a minute.”For Black Americans like Maeia Corbett, the promises of future benefits ring hollow.“Looking at these promises that this administration has made, it’s like a whirlwind,” said Ms. Corbett, 27. “What can I grasp onto when all of these things are being taken from me?”Ms. Corbett, who graduated from college just months before the coronavirus pandemic brought student loan payments to a pause, had been banking on Mr. Biden’s promise to cancel up to $20,000 in student loan debt for millions of borrowers.When the Supreme Court ruled in June that Mr. Biden’s plan was unconstitutional, Ms. Corbett, like many Black Americans, felt a familiar sting of disappointment. The fact that the decision came just 24 hours after the court struck down affirmative action in college admissions, a longstanding mechanism for economic and social mobility for Black people, was almost disorienting.“It’s like you get to the steps of equity and the steps are torn down,” she said.Ms. Corbett’s sentiments are a warning sign for the president, who has tied the success of his presidency to racial progress. Mr. Biden has said he would use the power of his office to address inequity in housing, criminal justice, voting rights, health care, education and economic mobility.“I’m not promising we can end it tomorrow,” Mr. Biden said in January 2021. “But I promise you: We’re going to continue to make progress to eliminate systemic racism, and every branch of the White House and the federal government is going to be part of that effort.”Melanie L. Campbell, the president of the nonpartisan National Coalition on Black Civic Participation, said Black women — widely credited with securing Mr. Biden’s win — could see tangible progress in historic appointments of Black women to cabinet positions and the federal judiciary, including Ketanji Brown Jackson to the Supreme Court. But the courts, conservative activists and a bitterly divided Congress have curtailed a lot of Mr. Biden’s agenda. Lawsuits have held up the administration’s efforts to forgive the debts of Black and other minority farmers after years of discrimination. Congress has blocked two signature pieces of legislation Mr. Biden championed, the George Floyd Justice in Policing Act and the John R. Lewis Voting Rights Advancement Act. And conservative groups have vowed to pursue legislation challenging Mr. Biden’s plans to prioritize race-conscious policies throughout the federal government.Now, with aides describing him as frustrated over the setbacks, Mr. Biden is taking pains to cast the election as a choice between his agenda and the extremism of “MAGA Republicans,” or those loyal to former President Donald J. Trump.“My dad used to say: ‘Joey, don’t compare me to the Almighty. Compare me to the alternative,’” Mr. Biden says in a common refrain.Cedric Richmond, a co-chairman of the Biden campaign, said the campaign would emphasize that Mr. Biden should not be blamed for the Supreme Court decisions. “It’s the court that just rolled back equity, and we’re going to point to it,” he said.The Biden administration has pointed to social policy efforts as examples of real impacts on the Black community.Samuel Corum for The New York TimesA recent Axios survey of more than 780 college students and recent graduates found that 47 percent of voters blamed the Supreme Court for student loans not being forgiven, 38 percent blamed Republicans and 10 percent blamed Mr. Biden.Still, polls show that Black voters under 30 have far less enthusiasm for Mr. Biden than their elders do.Mary-Pat Hector, the chief executive of Rise, a student advocacy organization that has pushed for student debt relief and college affordability, said the disillusionment among young voters was real. On issues like student loan debt and climate, Ms. Hector said, all the voters see are “things we were told were going to happen that just haven’t happened.”“When it comes to Gen Z,” she said, “they don’t forget, and it’s hard for them to forgive.”In the meantime, the White House says it has not given up on its most ambitious goals.This month, the Education and Justice Departments released guidance for how colleges should navigate the affirmative action decision, urging them to continue to strive for diversity. And the Education Department is preparing to start new loan programs, while delivering billions in loan relief by fixing existing programs that have long disenfranchised Black borrowers. And dozens of federal agencies are working through “equity action plans” tackling everything from disparities in home appraisals to maternal mortality.Stephen K. Benjamin, Mr. Biden’s director of public engagement, said he believed the administration’s economic record would resonate, even as he acknowledged that the White House needed help from Congress to make good on its broader agenda.“I do believe when the rubber hits the road,” he said, “people will pay more attention to these dramatic investments in their quality of life.”Lennore Vinnie, 53, said she felt the administration was looking out for people like her.Having benefited from affirmative action when she entered the white, male-dominated information technology field in the 1990s, Ms. Vinnie, a single mother of two, incurred $280,000 in student loan debt after years of pursuing a doctoral degree to advance to a senior leadership position. Some of the debt was acquired at predatory for-profit colleges.Lennore Vinnie is applying for loan relief through forgiveness programs that were not affected by the Supreme Court ruling.Carlos Bernate for The New York Times“I know for me, as an African American woman, you can never have too many degrees or too many credentials,” she said, “because that way I take away all your reasons for not putting me in the position.”Ms. Vinnie, who ultimately obtained her doctorate and her promotion, is applying for relief through loan forgiveness programs that were not affected by the Supreme Court ruling.Ms. Harris’s appearance before the Congressional Black Caucus in Boston encapsulated the administration’s strategy moving forward: highlighting its progress while rallying a community to remember — and repeat — history.In Boston, the crowd was rapt, shouting “preach!” as she called out “extremist so-called leaders” who sought to distract from the nation’s legacy of slavery and systemic racism.Ms. Harris then reminded the room that Black voters drove Mr. Biden to win the presidency in 2020, and made her the first Black vice president. “The future of America,” she said, “has always relied on the folks who are in this room.” More

    • 100 Shares129 Views

      in Elections

      Stuart Delery Stepping Down as White House Counsel

      by

      Stuart Delery, who has been President Biden’s chief official lawyer since last year, helped develop strategies to distribute Covid-19 vaccines, forgive student loans and revamp immigration rules.Stuart Delery, the White House counsel who has helped usher in some of President Biden’s most important policies while defending him against Republican attacks, announced on Thursday that he plans to step down as the West Wing shapes its staff for the final 15-month sprint to next year’s election.Mr. Delery had indicated to colleagues a few months ago that he would be ready to leave by fall after nearly three years in the White House and the pre-inaugural transition that have been all consuming. Since Republicans took over the House in January, the counsel’s office has been the command post for the White House’s response to a multitude of congressional investigations.No successor was named on Thursday, but a new counsel was expected to be in place by the time Mr. Delery formally leaves next month. Jeffrey D. Zients, the White House chief of staff who took over the president’s team six months ago, has asked cabinet secretaries to decide in the coming weeks whether they plan to depart or will commit to staying through the November 2024 election to avoid distracting confirmations heading into the campaign season.Mr. Biden’s White House team has been steadier than most, especially compared with the one under his predecessor, former President Donald J. Trump, who burned through aides at a frenetic pace. Although a number of top officials have left Mr. Biden’s administration, the total turnover of 56 percent remains below the modern average, and his cabinet is the most stable going back at least seven administrations, according to figures compiled by the Brookings Institution.Susan E. Rice, the president’s domestic policy adviser, left in May and was replaced by Neera Tanden, the staff secretary, who in turn was replaced by Stefanie Feldman, a longtime Biden aide. Julie Chávez Rodríguez stepped down as director of intergovernmental affairs to take over as campaign manager and was succeeded by Tom Perez, a former labor secretary. Louisa Terrell, the director of legislative affairs who helped coordinate debt ceiling negotiations, announced her departure last month and was replaced by Shuwanza Goff, the president’s liaison to the House.But the president’s core inner circle of Mr. Zients and advisers like Steven J. Ricchetti, Anita Dunn, Jennifer O’Malley Dillon and Bruce Reed is expected to remain intact through the election, as is his top national security team led by Jake Sullivan and his deputy, Jon Finer. Some colleagues have speculated about whether Michael Donilon, one of Mr. Biden’s closest advisers and the author of many of his major speeches, will move over to the campaign or stay inside the White House.Mr. Delery, 54, served as acting associate attorney general, the No. 3 official at the Justice Department, under President Barack Obama and joined the Biden team as deputy White House counsel before taking over the top legal job in the White House a little over a year ago. He is the first openly gay man to serve as counsel to the president.“Stuart Delery has been a trusted adviser and a constant source of innovative legal thinking since Day 1 of my administration,” Mr. Biden said in a statement. Mr. Delery, a low-key and studious Yale Law School graduate, was among the legal architects of some of Mr. Biden’s most important initiatives, including strategies to distribute Covid-19 vaccines, to forgive hundreds of billions of dollars of student debt and to revamp immigration after the expiration of Title 42, a pandemic-era measure.When the Supreme Court overruled the president’s original student loan plan, his team quickly developed new ways to try to accomplish the same goals. When Republicans threatened to not raise the debt ceiling, Mr. Delery developed options for Mr. Biden to do so on his own authority, although it proved unnecessary when a bipartisan deal was struck.Mr. Delery also oversaw a drive to install as many judges as possible. During his tenure, 20 nominees were confirmed to federal appeals courts and 51 to federal district courts. The slate of new judges has been the most diverse in history.“Stuart Delery was a historic counsel for an administration getting historic things done,” Mr. Zients said in a statement. “His work in support of President Biden and Vice President Harris will shape the country for the better for decades to come.” More

    • 75 Shares169 Views

      in Elections

      ‘The 2024 Issue: Democracy or Autocracy?’

      by

      More from our inbox:Trump as Target: Is Another Indictment Coming?The Israeli-Palestinian ConflictStudent Loans, and the Purpose of CollegeDonald J. Trump intends to bring independent regulatory agencies under direct presidential control.Doug Mills/The New York TimesTo the Editor:Re “Trump and Allies Seeking Vast Increase of His Power” (front page, July 17):Donald Trump plans, if elected next year, to revamp the administrative state, also known to conservatives as the deep state, also known to Mr. Trump as the warmongers, the globalists, the “communists, Marxists and fascists,” “the political class that hates our country.”Once revamped, this new state would be much more under Mr. Trump’s control, without those pesky independent agencies that are beyond his reach.We had a state like that in the past, headed by King George III, and decided that we did not like it, which is why we have what are quaintly known as “checks and balances,” designed precisely to prevent the president from amassing too much power.Are we really ready to replace “Hail to the Chief” with “Hail to the King”?John T. DillonWest Caldwell, N.J.To the Editor:If someone told Donald Trump that he is merely a tool of the Republican Party, he would be livid. But tool he is, and also a tool of the Federalist Society, the Heritage Foundation and all the billionaires who stand to gain from longstanding Republican tenets, if implemented.Going back to the Nixon era, conservative Republicans would often say, “The best government is the least government.” During several Republican administrations there have been efforts to reduce the size and the role of government. They have sought a smaller I.R.S., so that earnings of wealthy people would not be audited, and reduced regulation by federal agencies, maximizing the profits of businesses that would otherwise be regulated, at the expense of the health and safety of American citizens.Mr. Trump is a useful tool to the Republicans, who hope he can normalize discussion about a reduced government in a strongman executive branch. Even if another Republican is elected president in 2024, he will follow the Republican blueprint for the executive branch, and we can kiss our seminal experiment in democracy goodbye.Ben MyersHarvard, Mass.To the Editor:Those supporters of broader powers for a re-elected President Donald Trump should keep in mind the proverb “what goes around comes around.”If Republicans are successful in broadening a president’s executive branch powers, those powers could just as easily be used, and abused, by a future liberal Democratic president.Bert ElyAlexandria, Va.To the Editor:This article about Donald Trump and his allies seeking a vast increase in power for the president almost makes this anti-Trumper want to vote for him. What the article suggests that Mr. Trump will do is long overdue. I just wish he’d shut up and quit social media.Tom BrownKansas City, Mo.To the Editor:Donald Trump has said, “I have an Article 2, where I have the right to do whatever I want as president.” This is as clear a statement of intent as Mussolini’s in 1936: “We do not argue with those who disagree with us, we destroy them.”The common goal is to establish an autocracy. With his militarized acolytes, media allies and anti-regulation donors, Mr. Trump presents a clear threat to democracy, rule of law and any hope for equity or equality.This is the 2024 issue: democracy or autocracy?Brian KellyRockville Centre, N.Y.To the Editor:If people weren’t scared before, they should be after reading this. How fascism comes to the United States.People of good conscience know what must be done. Save our democracy! Vote!Alison Goodwin SchiffNew YorkTrump as Target: Is Another Indictment Coming? Erin Schaff/The New York TimesTo the Editor:Re “Trump Says He’s a Target in Special Counsel’s Capitol Attack Investigation” (news update, nytimes.com, July 18):Donald Trump announced that on Sunday he received a notice that he is a target in the ongoing federal investigation into the Jan. 6 uprising being conducted by the special counsel Jack Smith. Such notices are almost always followed by an actual indictment.This is huge news. It felt like a lock that the Justice Department would indict Mr. Trump for his flagrant mishandling of classified documents. But it was far from certain that the evidence would be deemed compelling enough to indict him on charges related to Jan. 6.In the past it has often seemed as if Mr. Trump was shrouded in an impenetrable Teflon coating and nothing could pierce that protective barrier. Perhaps this, an indictment on charges he helped to incite the Jan. 6 insurrection at the Capitol, will prove to be his final undoing.Whether the news affects his strong front-runner status in the Republican presidential race remains to be seen. But what does seem certain is that it will erode his support in the 2024 general election if he is the Republican nominee and help to ensure that this man never again resides in the White House.Ken DerowSwarthmore, Pa.The Israeli-Palestinian ConflictRepresentative Pramila Jayapal told a Netroots Nation conference over the weekend that some lawmakers “have been fighting to make it clear that Israel is a racist state.” Kenny Holston for The New York TimesTo the Editor:Re “The Hysteria Over Jayapal’s ‘Racist State’ Gaffe,” by Michelle Goldberg (column, July 18):I write to thank Ms. Goldberg for calling attention to an important point: Israel’s defenders must face the reality that its policies are deeply destructive to the Palestinian people and ultimately to the state of Israel itself.It is impossible to choose to oppress a people without morally implicating oneself. This is true for a single human and true for any state in our complex and conflicted world.Unless Israel acknowledges the humanity of the Palestinian people and changes its policies, it is doomed to fail by its own hand.Marea Siris WexlerNorthampton, Mass.To the Editor:Michelle Goldberg’s thoughtful column does not mention the reason the Israeli people and government have turned rightward. The Palestinians refuse to recognize the right of the Israeli nation to exist and have been lax in preventing Palestinian attacks, including murders of Israeli citizens.Albert MarshakAtlantic Beach, N.Y.Student Loans, and the Purpose of CollegeAmerica’s Student Loans Were Never Going to Be RepaidDuring the pandemic, the U.S. paused regular payments for student loans. But repayment was dwindling for at least a decade before that.To the Editor:Re “Who Repays Student Loans?,” by Laura Beamer and Marshall Steinbaum (Opinion guest essay, July 16):Proposed policies to fund or defund public colleges based on students’ labor market outcomes will merely reinforce the notion that colleges are job-training institutions and will further damage liberal arts education at institutions serving minorities and the working class.Having students rack up more debt will ultimately damage the economy when those indebted former students cannot afford to buy cars or homes, marry or have children.We should revisit how the interest on student loans is compounded, which forces former students to pay two or three times the original amount of their loans as interest accrues over time.But in the larger sense, we must rethink the whole system of higher education to see it as a public good rather than a privilege reserved for those who can best afford it.Max HermanBloomfield, N.J.The writer is an associate professor of sociology at New Jersey City University. More

    • 125 Shares189 Views

      in Elections

      Supreme Court Decisions on Education Could Offer Democrats an Opening

      by

      The decisions this week on affirmative action and student loans give Democrats a way to make a case on class and appeal to voters who have drifted away from the party.Ever since President Bill Clinton advised “mend it, don’t end it,” affirmative action has had an uneasy place in the Democratic coalition, as omnipresent as the party’s allegiance to abortion rights and its promises to expand financial aid for higher education — but unpopular with much of the public.Now, in striking down race-conscious college admissions, the Supreme Court has handed the Democrats a way to shift from a race-based discussion of preference to one tied more to class. The court’s decision could fuel broader outreach to the working-class voters who have drifted away from the party because of what they see as its elitism.The question is, will the party pivot?“This is a tremendous opportunity for Democrats to course-correct from identity-based issues,” said Ruy Teixeira, whose upcoming book “Where Have All the Democrats Gone?” looks at the bleeding of working-class voters over the last decade. “As I like to say, class is back in session.”Conservative voters have long been more animated by the Supreme Court’s composition than liberals have. But the last two sessions of a high court remade by Donald J. Trump may have flipped that dynamic. Since the court overturned Roe v. Wade in 2022, energized Democratic voters have handed Republicans loss after loss in critical elections.Republicans’ remarkable successes before the new court may have actually deprived them of combative issues to galvanize voters going into 2024. Several Republican presidential hopefuls had centered their campaigns on opposition to affirmative action. And the court’s granting of religious exemptions to people who oppose gay marriage, along with last year’s Dobbs decision, may take the sting out of some social issues for conservatives.In that sense, the staunchly conservative new Supreme Court is doing the ugly political work for Democrats. Its decision last year to eliminate the constitutional right to abortion elevated an issue that for decades motivated religious conservatives more than it did secular liberals.The University of North Carolina and Harvard University were at the center of the Supreme Court decision on affirmative action.Kate Medley for The New York TimesFriday’s decision to strike down President Biden’s student debt relief plan enraged progressive Democrats, who had pressed the president to take executive action on loan forgiveness. A coalition of Generation Z advocacy groups, including Gen-Z for Change and the climate-oriented Sunrise Movement, said on Friday that the court “has openly declared war on young people.”But while the Supreme Court made retroactive higher education assistance far more difficult, it may have boosted the Democratic cause of financial aid, through expanded Pell grants and scholarships that do not saddle graduates with crushing debt burdens. Democrats have long pushed expanded grant programs and legislative loan-forgiveness programs for graduates who embark on low-paid public service careers. Those efforts will get a lift in the wake of the court’s decision.The high court’s declaration that race-based admission to colleges and universities is unconstitutional infuriated key elements of the Democratic coalition — Black and Hispanic groups in particular, but also some Asian American and Pacific Islander groups who said conservatives had used a small number of Asian Americans as pawns to challenge affirmative action on behalf of whites.“They were using the Asian community as a wedge,” said Representative Judy Chu, Democrat of California, after the decision was handed down on Thursday. “I stand with the unified community.”But while they have expressed anger and disappointment over the conservative decisions, Democrats also acknowledge their inability to do much to restore affirmative action, student loan forgiveness and the right to an abortion in the foreseeable future, as long as the 6-3 majority on the Supreme Court holds.“There’s a constitutional challenge in bringing it back,” said Representative Bobby Scott of Virginia, a longtime Democratic leader on the House education committee.Simon Rosenberg, a Democratic strategist pressing his party to expand its outreach to the working class, said adding a new emphasis on class consciousness to augment racial and ethnic awareness would fit well with Mr. Biden’s pitch that his legislative achievements have largely accrued to the benefit of workers.Infrastructure spending, electric vehicles investment, broadband expansion and semiconductor manufacturing have promoted jobs — especially union jobs — all over the country but especially in rural and suburban areas, often in Republican states.“By next year, Democrats will be able to say we’ve invested in red states, blue states, urban areas, rural areas,” he said. “We’re not like the Republicans. We’re for everybody.”But bigotry, discrimination and the erosion of civil rights will remain central issues for Democrats, given the anger of the party base, Mr. Rosenberg said. The Supreme Court’s siding on Friday with a web designer in Colorado who said she had a First Amendment right to refuse to provide services for same-sex marriages cannot be separated from the affirmative action, student loan and abortion decisions.Mr. Teixeira said Democrats were not likely to see their new opportunities at first.“If you want to solve some of the underlying problems of the party, this should be a gimme,” he said of pivoting from racial and ethnic identity to class. But, he added, “in the short term, the enormous pressure will be not to do that.”Representative Judy Chu said conservatives “were using the Asian community as a wedge” against affirmative action.Kenny Holston/The New York TimesIndeed, the initial Democratic response to the Supreme Court’s actions was not to elevate economic hardship as a key preference in college admissions. Instead, Democrats seemed focused on striking down other areas of privilege, especially the legacy admission preference given to the children and grandchildren of alumni of elite institutions.“What we’re fighting for is equal opportunity,” said Representative Joaquin Castro, Democrat of Texas. “If they get rid of affirmative action and leave rampant legacy admissions, they’re making merit a slogan, not a reality.”Republicans saw a political line of attack in the Democratic response to the court’s decision. Even before 1990, when a campaign ad by Senator Jesse Helms of North Carolina featured white hands crumpling a job rejection to denounce “racial quotas,” Republicans had used affirmative action to their political advantage.Mr. Clinton’s “mend it, don’t end it” formulation came after a 1995 speech before California Democrats in which he said of affirmative action programs: “We do have to ask ourselves, ‘Are they all working? Are they all fair? Has there been any kind of reverse discrimination?’”A June survey by the Pew Research Center found that more Americans disapprove than approve of colleges and universities’ using race and ethnicity in admissions decisions, and that Republican and Republican-leaning independent voters are largely unified in their opposition, while Democratic voters are split.After Mr. Biden expressed his opposition to the Supreme Court’s decision, the campaign arm of the Senate Republicans issued a statement calling out three vulnerable Senate Democrats up for re-election in Republican states: Joe Manchin III of West Virginia, Jon Tester of Montana and Sherrod Brown of Ohio.A June survey by the Pew Research Center found that more Americans disapprove than approve of colleges and universities’ using race and ethnicity in admissions decisions.Kenny Holston/The New York Times“Democrats are doubling down on their racist agenda and want to pack the Supreme Court to get their way,” said Philip Letsou, a spokesman for the National Republican Senatorial Committee. “Will Democrats like Joe Manchin, Jon Tester and Sherrod Brown denounce Joe Biden’s support of racial discrimination and state unequivocally that they oppose packing the court?”The House Republican campaign arm called Democratic outrage “the great limousine liberal meltdown.”But the Supreme Court has offered Democrats a way forward with many of its decisions — based on class. The affluent will always have access to abortions, by traveling to states where it remains legal, and to elite institutions of higher education, where they may have legacy pull and the means to pay tuition.Those facing economic struggles are not so privileged. Applicants of color may have lost an edge in admissions, but poor and middle-class students and graduates of all races were dealt a blow when the court declared that the president did not have the authority to unilaterally forgive their student loans.Representative Marilyn Strickland, Democrat of Washington, said her party now needs to recalibrate away from elite institutions like Harvard and the University of North Carolina, the defendants in the high court’s case against affirmative action, and “respect all types of education and all types of opportunity,” mentioning union training programs, apprenticeships, trade schools and community colleges.Mr. Scott agreed. “This is going to cause some heartburn,” he said, “but what we need to campaign on is that we’re opening opportunities for everybody.” More

    • 88 Shares149 Views

      in Elections

      Republican Presidential Candidates Celebrate Student Loan Ruling

      by

      Much of the Republican field of presidential candidates was unanimous in praising the Supreme Court’s decision on Friday to reject President Biden’s student loan forgiveness plan.Former President Donald J. Trump praised the ruling during an address to attendees at the Moms For Liberty conference in Philadelphia.“Today the Supreme Court also ruled that President Biden cannot wipe out hundred of billions, perhaps trillions of dollars in student loan debt, which would have been very unfair to the millions and millions of people who paid their debt through hard work and diligence, very unfair,” he said. He called Mr. Biden a “corrupt president” and lamented that the plan was “a way to buy votes.”Senator Tim Scott, Nikki Haley and former Vice President Mike Pence were among the first of the 2024 contenders to signal their alignment with the six conservative justices in supporting the decision.“The U.S. Supreme Court was right to end the illegal and immoral effort by the Biden Administration to transfer student debt to taxpayers,” Mr. Scott wrote on Twitter. “If you take out a loan, you pay it back.”He called on colleges and universities to “act to lower tuition and improve the quality of their programs” and vowed that as president, he would take action to make education more affordable and to expand access to vocational training.Mr. Pence sought credit for having “played a role in appointing three of the Justices that ensured today’s welcomed decision” — though he did not mention former President Donald J. Trump even as he highlighted one of the Trump administration’s signature achievements.“Joe Biden’s massive trillion-dollar student loan bailout subsidizes the education of elites on the backs of hardworking Americans,” Mr. Pence wrote on Twitter, “and it was an egregious violation of the Constitution for him to attempt to do so unilaterally with the stroke of the executive pen.”Ms. Haley was similarly critical, painting the president’s plan as unfair.“A president cannot just wave his hand and eliminate loans for students he favors, while leaving out all those who worked hard to pay back their loans or made other career choices,” Ms. Haley wrote on Twitter.In a speech Friday morning in Philadelphia, she heaped praise on the court: “Can I just say God bless the Supreme Court? They are righting a lot of wrongs.”Vivek Ramaswamy and Asa Hutchinson soon joined in as well, and while Gov. Ron DeSantis of Florida has not released an official statement, his campaign used the moment to highlight his higher education policies in Florida.In a video published by his campaign’s account on Twitter, Mr. DeSantis is seen on the campaign trail in South Carolina, promoting Florida’s rules on state school tuition rates and saying that colleges and universities “should be responsible for defaulted student loan debt.”“If you produce somebody that can’t pay it back,” he continues, “that’s on you.”Mr. Ramaswamy posted a two-and-a-half minute video to Twitter extolling the decision, citing its legal underpinnings as a “powerful precedent” that could target “most of the regulations of the administrative state.”Mr. Hutchinson, the former governor of Arkansas, also commended the decision, stating that the “ruling reaffirms the importance of upholding our legal framework and preserving the checks and balances that ensure the proper functioning of our government.” He also called for finding a legislative solution to the student loan debt crisis.Gov. Doug Burgum of North Dakota added his voice to the chorus of praise for the decision later Friday afternoon: “Erasing the debt of high-paid, college-educated workers at the expense of blue-collar Americans is wrong, and would have exacerbated inflation significantly,” he said in a statement, adding that “the Constitution clearly states that spending originates in Congress.”Another Republican candidate, former Gov. Chris Christie of New Jersey, has not publicly commented on the decision.Anjali Huynh More

    • 100 Shares149 Views

      in Elections

      Biden Now Faces Student Borrowers Asking: What Now?

      by

      President Biden accused Supreme Court justices of having “misinterpreted the Constitution” and vowed on Friday to seek new ways to relieve the crushing weight of student debt after the court’s conservative majority rejected his $400 billion plan to forgive federal loans.Speaking from the White House after the court issued its 6-to-3 decision, Mr. Biden lashed out at Republicans who challenged his plan, saying they were willing to forgive loans for business owners during the pandemic, but not for Americans struggling with college debt.“The hypocrisy is stunning,” he said.The president suggested that the court had been influenced by “Republican elected officials and special interests” who opposed his plan, which would have forgiven up to $20,000 in debt for as many as 40 million people.“They said no, no,” Mr. Biden said of the justices, “literally snatching from the hands of millions of Americans thousands of dollars in debt relief that was about to change their lives.”The court’s finding that Mr. Biden’s loan plan exceeded his authority under the HEROES Act unraveled one of the president’s signature policy efforts and ratcheted up the pressure on him to find a new way to make good on a promise to a key constituency as the 2024 presidential campaign gets underway.Mr. Biden said he had directed his secretary of education to use a different law, the Higher Education Act of 1965, to provide some debt relief. But it was unclear whether that law could be used to provide widespread debt relief. And education officials said it would take months, at least, before regulations could be put in place to begin providing debt relief.Officials expressed confidence that the Higher Education Act provides authority for the secretary to broadly “settle and compromise” student loan debts.Chief Justice John Roberts, the author of Friday’s ruling, appeared to undercut that argument in his opinion, suggesting that the ability to relieve debt under the Higher Education Act was limited to the disabled, people who are bankrupt or who have been defrauded.But Mr. Biden said his administration will try anyway.“In my view, it’s the best path that remains,” Mr. Biden insisted.Mr. Biden said he had directed the Education Department not to report borrowers who miss student loan payments to credit rating agencies for 12 months. Payments are set to begin in the fall after being paused since the beginning of the pandemic.The department also has proposed changes to benefit borrowers on an income-based repayment plan. A draft of the changes released in January said they could reduce payments on undergraduate loans to 5 percent of discretionary income, limit the accumulation of unpaid interest and allow more low-income workers to qualify for zero-dollar payments.Mr. Biden spoke about student loan forgiveness in October in Dover, Del.Al Drago for The New York TimesThe ruling in the student loan lawsuit was the culmination of Republican efforts assailing a centerpiece of Mr. Biden’s broader agenda, as the president and his allies try to make the case to Americans for a second term in the White House.In nearly two and a half years, the president has faced significant opposition in Congress and the courts to promises he made as a candidate. He dropped efforts for free community college and preschool. He abandoned taxpayer funding for child care. The courts have blocked some of his most ambitious climate policies and delayed his efforts to control the border.Student debt relief was among the most costly relief programs Mr. Biden proposed in the wake of the pandemic. But unlike his successes in seeking congressional approval for infrastructure spending and chip manufacturing subsidies, the president used his own authority to forgive $400 billion in student loan debt. On Friday, the court said he went too far.More broadly, the court’s decision was the latest blow to presidential power, with the justices putting new limits on how much leeway the executive branch has when interpreting congressional statutes.That could have far-reaching implications. With Congress in political paralysis, recent presidents — including Barack Obama and Donald J. Trump — have increasingly turned to executive actions and orders to advance their policy goals.Courts have responded by delaying or overturning some of those actions. Mr. Obama’s efforts to provide protection from deportation for the parents of some immigrants never went into effect. Many of Mr. Trump’s executive actions were deemed excessive by judges.In the student loan case, the court said that Mr. Biden had stretched the law beyond reason.Unlike his successes in seeking congressional approval for infrastructure spending and chip manufacturing subsidies, the president used his own authority in seeking to forgive student debt. T.J. Kirkpatrick for The New York TimesWhen Mr. Biden announced last summer that his government would forgive up to $20,000 in federal student loan debt, student advocacy groups and many progressives cheered the move.“People can start finally to climb out from under that mountain of debt,” Mr. Biden said.His plan, which came after months of agonizing about whom it would benefit and whether it was too costly, would have been a centerpiece of his argument to voters that his economic agenda is designed to help low- and middle-income Americans blaze a path to greater prosperity.Instead, a majority of the justices agreed with critics who said the president’s debt relief plan went beyond the president’s authority under congressional legislation that allows changes to student loans during a public emergency.Within moments of the court ruling on Friday, it was clear that Mr. Biden would be under immense pressure from the left wing of the Democratic Party to respond swiftly and aggressively.Senator Chuck Schumer of New York, the Democratic Senate leader who had pushed hard for student debt relief, demanded that Mr. Biden not give up.“I call upon the administration to do everything in its power to deliver for millions of working- and middle-class Americans struggling with student loan debt,” Mr. Schumer said.Senator Bernie Sanders, the Vermont independent, went even further.“The president has the clear authority under the Higher Education Act of 1965 to cancel student debt,” Mr. Sanders wrote in a statement. “He must use this authority immediately.”For much of the last year, administration officials had refused to say whether they were working on a “Plan B” in the event the Supreme Court rejected the president’s plan.Even after several justices expressed deep skepticism during oral arguments earlier this year, Mr. Biden and his aides continued to insist that they had confidence in the legality of the debt relief plan and would not say whether they were working on an alternative.Millions of people with federal student loans are about to get another financial shock this fall, when the yearslong pause on repayment of existing loans ends.The federal government, under former President Donald J. Trump, imposed the pause on repayments at the beginning of the pandemic, as businesses closed and millions of people lost their jobs. Mr. Biden renewed the pause several times since taking office, but has said it will not be renewed again now that the pandemic has largely ended.Payments are set to resume in October, putting pressure on the debt holders that Mr. Biden’s forgiveness plan was designed to help.One question for Mr. Biden is whether those who are disappointed will blame him or the Supreme Court when they go to the ballot box next year.Mary-Pat Hector, the chief executive of Rise, a student advocacy organization that has pushed for student debt relief and college affordability, said many young Americans will blame Mr. Biden if he cannot deliver significant debt relief.“Many young people, particularly Gen Z, don’t like things that seem performative, and they believe in holding people accountable,” she said. “I think that we are going to see that reaction from a lot of people.” More