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EDITOR OF REDSTATE

Barack Obama Prepares to Drive Up the Costs of Education

When Obama takes to the podium for the State of the Union, one of the things he is allegedly going to push is a wholesale federal take over of the student loan industry.

Already, his plans are causing a lot of students, particularly of private higher ed colleges and universities, problems with getting financing for education. Obama intends to shut out the usual third party lenders and put everything within the federal government — under a program that has been shown repeatedly to be highly inefficient and burdensome for academic institutions.

More troubling, by putting everything under the Department of Education, universities and colleges will be forced to adhere to federal rules, some of which conflict with the values of sectarian institutions that presently use the third party student loan system for their students.

The feds controlling the student loan industry means the feds get to tell academic institutions what values they can and cannot promote among the selection and disciplining of their students.

Brigham Young, etc. better watch out.

More troubling, Secretary of Education Arne Duncan sent out a letter recently to colleges and universities telling them to get on board the federal program right now. There’s just one problem — the Congress has not passed the program. Likewise, the Department of Education is encouraging outside groups to lobby for the legislation, a clear violation of federal law.

In other words, Duncan is trying to get schools that have expressed real apprehension over the program to get into the program now so Congress will believe the expressed concerns have been ameliorated.

The wholesale take over of education funding by the feds will, like a wholesale take over of healthcare, drive up prices through decreases in competition and, more troubling, allow the feds a backdoor into higher education learning and indoctrination.

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COMMENTS

  • acat

    Why, when Ward Churchill is the poster child for the Lib ownership of the front door…

    I knew a guy, when I was in college, who was paying for his education with his credit card. He explained that since he had a job and was in school part time, and had saved a bit, he kept getting offers for interest-free transfers onto new credit cards. He was a junior when I knew him, and had yet to pay any interest on his tuition.
    Would this now be illegal?

    Mew

  • jackhammer

    what exactly is in the government lending guidelines that would conflict with BYU and other sectarian institutions?

    They do let in non Mormons, don’t they? I don’t think Jim McMahon was Mormon…..

  • jackhammer

    That is great individual analysis and completely rational….that owuld not be allowed, becasue people are dumb and have to be protected by government regualtions.

    But that is not a traditional students loan…meaning he had to at least pay the min balance due during his school time, and student loans have the time as a student without payments.

    The other main difference which can be seen as an advatage depending on hw you see things…is his student debt was not protected from bankruptcy. Government student debt remains through bankruptcy or anything….not even sure if it or tax debts take precedent. But if it was just charges on his CC, then in event of a bankruptcy at graduation he would have been free and clear of his school debt. Not somehting I would advocate, but an interesting approach.

    I mean I am buying houses with large mortgage percentages currently in hopes of hyperinflation….

  • SG_Lominac

    Here in Panama City, FL if this goes through. Do you hear us Congressman Allan Boyd-D?

  • Vannek

    Religious universities have a good reason to be concerned. However, as a Research Administrator for a public university, I’m also concerned. The scientific disciplines have been spared a lot of the “dumbing down” that resulted from diversity admissions versus merit admissions. You can’t get into a Math or Science program because you’ve “overcome hardships.” You have to have specific skills. For whatever the reasons are (and there are many to be argued), most of the students in these disciplines are Asian or Caucasian. If the Fed controls who gets student loans, will they be able to force universities (overtly or by coercion) to accept more unskilled students into math and science programs simply to satisfy racial quotas?

  • Scope

    into higher education, and, indoctrination. They have been marching right in the front door for years.

    What is really disgusting about this is that the feds will forgive your student loans if you graduate and go right into Public Service for a certain number of years. Doing what, I don’t know. Maybe joining AmeriCorps, or manning the ACORN social service, or shady mortgage offices. If the parents aren’t on top of this, which many will not be, the youngin’ dumins will fall for it. When they realize what they did, it will be too late.

    I wonder what will happen with the likes of Conservative University, Liberty University and etc. I guess the students will have to pay as they go, or their parents will have to.

  • warweaver

    As noted already, government (state / federal / local) doesn’t need a backdoor to control education because they already fund it directly and indirectly through myriad mechanisms.

    The mistake isn’t that the federal government intends to administer federal money, the mistake is that federal money is being administered at all.

    I am very far right and I see no reason that the taxpayers should be asked to guarantee student loan losses AND pay profits to administer such guarantees.

    All anyone on this board needs to know is this: the federal student loan industry is an enormously profitable commercial enterprise with fatter margins than most other banking profit centers. If the federal government is dumb enough to guarantee student loans, at least they should be smart enough to cut out the middle man.

    I support this initiative – and yes, I’ve got six figures in student loans.

    The battle here, if anywhere, is in the mere existence of a federal program to lend money to private citizens – not exactly a traditional function of government.

  • http://www.hakubi.us/ Neil Stevens

    If private schools no longer get subsidized, costs may go down, giving those schools a competitive advantage.

    Remember: If you want to destroy something, tax it. If you want more of something, subsidize it. School prices are rising much faster than inflation, jus tlike medical costs, because of the subsidies we’ve been pumping into the system.

  • Praying

    …. Parents and schools alike taught the value of hard work. Those that worked hard were successful. Those who didn’t, weren’t. And now we’ve come to this, where the success and productivity are penalized, and laziness and failure are rewarded. Scope is right – the feds have had their grubby hands in education – from preK through college – for some time now. But this picking of winners and losers by our government is something else – and very disturbing. If the government would just get the heck out – out of our schools, out of our banks, out of our mortgage companies, out of our car companies… and let the free market actually work, all the “problems” and “crises” of today would soon be alleviated. The government is not the solution to our problems, the government is the problem.

  • jasonva

    It’s been my understanding that only two institutions of higher learning are entirely free of ties to federal money, and therefore, federal restrictions: Grove City College of Pennsylvania (my alma mater) and Hillsdale College of Michigan. Grove City has already been to the Supreme Court in the fight to maintain that freedom (Grove City College v. Bell,1984). I doubt this legislation would go unchallenged if it ever actually made it to the president’s desk.

    On a side note: Barack Obama as a constitutional scholar reminds me of the “Bible scholars” who maintain that Jesus Christ never even existed.

  • warweaver

    anything unconstitutional with the federal government setting up an agency to administer federal funds.

    If a university doesn’t wish to admit students using federal loan programs, they do not have to. They aren’t forcing them to comply with their programs in all circumstances, they are only forcing them to comply with their programs if they want to admit students who are using federal loans.

  • medicineman

    Little known fact is that the cost of college has even outpaced healthcare the past 20 years. Why is that?. Uncle Sam started to back student loans in the early 90′s. Schools knew students could get the cash, so they raised tuition accordingly.

    Bad, Bad idea.

    I’m waiting for the Dems to push Universal University Reform (because of Sky Rocketing costs)…yeah right..LOL

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    had I known Erick had this coming I wouldn’t have made the related comment post (with active sub-links) I made earlier today in the Open Thread….

    Bumbling Joe Biden and Middle-Class task-force = same old Liberal games….

    Biden announced the year end results, and no surprise, it?s the same old Liberal Class warfare and Dem. Money Laundering (PC excuses to $pend) (plus ?extent possible? language) schemes?..

    It?s for the Children BS abounds?.

    1st?. divide and conquer and play up the Children angle with more Child Tax Credits?. Basically, anyone that hasn?t had children are told TOUGH, you don?t get to keep more of your own money because we want to use it to SUBSIDIZE those who have had kids to buy additional votes.

    2nd?. reward the Colleges/Universities?. Oh wait, they aren?t directly going to state that, but it is all about rewarding their Elitist allies by subsidizing and lowering Student Loan ?burdens??. you know, so they can be paid off even longer periods and/or more of them forgiven, while the Colleges and Universities can then DRIVE UP THE COST OF ATTENDING to pad Salaries even more as more Federal monies and regulations (harming Banks, for one) are doled out.

    There?s more? but it is NOT as if you shouldn?t have known in advance the same old Liberal/Progressive playbook wasn?t in play.

    but Erick is exactly right… I didn’t bother to even mention the other greater threat aspect of the takeover of the whole loan program process and subsequent controls that is really behind their moves.

  • Ann_W

    There has already been some sort of conflict with the federal gov’t about BYU not having co-ed dorms, I forget what it was.

    But I imagine they could use financial leverage to pressure changes to things covered in religion classes about gay marriage, etc.

  • sta46

    who has always taught in private schools. It used to be that each school was responsible for setting it’s own curriculum etc. and if that curriculum didn’t enable the students to get into good colleges the school wouldn’t last very long.
    Over the years I have witnessed first hand the dumbing down of our students in the interests of “diversity” and PC. The solution is so very simple… it all has to start from the bottom. If I had 30 pre-K children from the most deprived neighborhoods ever for three consecutive years I could get them into any private elementary schoo anywherel. But nooooo… we have to add more hoursto the day instead of booting the curriculum. Then the powers that be whine that our children are too fat but do they put back PE or take the vending machines out of the schools? Noooo, they instead introduce legislation banning trans fats. But I digress.
    I believe that at the heart of this is the progressive goal to destroy specifically the Christian and other religious schools and home schoolers. They want everyone to be brainwashed by their “new and improved” world/global curriculum adn this is yet another tool to force parents into submission or risk their children not getting into college. They are planning on rigging the entrance exams so it will be hard for someone who has not been exposed to their propagandized curriculum to score well enough to get into the college of their choice.
    This REALLY needs to go down in flames.
    They will wind up telling each student where they can go to school and what their major will be in the “interests of the collective good”.

  • onyon43

    I believe that the difference is that there won’t be allowed any third party lenders. You are therefore eliminating any alternative to federal student loans, thus, eliminating options for sectarian universities. It will be interesting to see what special perks Harvard gets in being able to “opt-out” of federal quotas because of the O’s history there.

  • RedBeard

    What article of the Constitution authorizes the federal government to run any part of the education system?

  • wilfranc

    This could be a good thing. Too many are going to college right now.
    Outside of the hard sciences, the only higher education going on is at Hillsdale and Grove City.

    He is so out of touch he doesn’t realize that many are rushing to the security of government jobs right now, he is incentivizing the incentivized. I just heard he wants to reward those who go into public service, a.k.a. government jobs, the sector suffering 3% unemployment.

    “We got the Obama” is starting to sound like a nasty disease.

  • warweaver

    to those who pay no attention whatsoever to the corrosive effect of government upon anything it touches.

    There are probably hundreds of irrefutable studies of the effect the federal loan programs have had on the cost of college educations. Nobody brings them up with politicians start talking about how great it is to ensure that everyone who wants to go to college can go to college.

    It wasn’t bad enough when people graduated high school without being able to think critically – now we’re headed down the road to where millions of college graduates cannot think critically.

    Same deal, different story – blow the whole thing up and lets start over. We really have reached that point. Everything government touches it destroys. And by now, the government touches everything.

    Thanks politicians!

  • Scope

    Obama had to use his “twin teleprompters” to speak to a class of 6th graders. Do you think he got a scholarship to Harvard to learn Telepromter technique. Left, right, left, right. You can set your watch by it.

  • revolutionary

    I got student loans the old fashioned way and ended up to my ears in debt…my fault! I was not really thinking about how much was adding up and all the interest, etc. but it hit hard when it was time to pay the piper. My student loans were consolidated over nine years ago (before I got out of school and under shady circumstances by the lender that owned them) and then in forbearance for almost 4 years. I paid them for almost four years, lost my job and had to take another 6 month forbearance and I now owe $3000 more than the original loan amount! Bankruptcy would certainly have been a consideration for me when I got that letter!

    I am not sure what this would mean for those of us who already have a fixed payback rate, but I do know that something should be done in the way of counseling students before they take the loans. Some schools may do so, mine did not. I’ll be paying on these loans until I am dead!

    There is something in my gut that says the governent will continue to get bigger with a plan like this. It seems like it will just keep adding to government dependence on guarantees, and even though I wish there was a way to “redo” my loans so they are more manageble for me, I am not sure more governement involvement is the answer.

    Help me understand, if the government did not guarantee payment for the loans, then the banks would not loan the money, right? Not being smart aleck- just asking.

  • jasonva

    as “a wholesale federal take over of the student loan industry”. Assuming that to be accurate, it seems to me to be as unconstitutional as a federal take-over of any given industry.

  • Scope

    but, will schools be allowed to exist if they do not participate?

  • onyon43

    Being LDS myself, let me say with 100% certainty that changing the curriculum won’t happen. Wrong is wrong, regardless of what BHO thinks… they will just find some way around this.

  • Scope

    accredidation? (sp)

  • jasonva

    that’s the most fundamental question here.

  • itdiehard

    asked to go to colleges in the hood to diversify the student ratio…

  • legalizeit

    I don’t know what his purpose would be for doing this. Greater efficiency? That’ll be the day.

    The student loan industry needs less, not more, government help. If the feds were to end student loan subsidies and the legal privileges afforded lenders of student loans, all kinds of beneficial outcomes would be realized. Fewer subsidies –> higher interest rates –> both students and schools would be forced to really consider what their education is worth. I can almost guarantee you that process would improve both the quality and price of higher education.

  • warweaver

    but that hasn’t happened yet.

    Until it does, I could also think of a million other ways the government administering its own revenue might become unconstitutional, but I doubt you’d want to hear me speculate about that.

  • jasonva

    Using Grove City as an example, they have an arrangement with PNC as the primary source for student loans, and no loans connected to the federal government are accepted. It would seem that a nationalization of student loans would do away with such a relationship, potentially forcing the college to choose between accepting federal money (and control) and closing their doors.

  • warweaver

    and I suppose necessary and proper fused with a variety of the other sections would be the specific justification.

    However, if the federal government wishes to raise revenue and to lend it out to students, there is plenty of precedent for its being authorized by the Constitution to do so.

    But are you an attorney? Have you read a lot of SCOTUS caselaw? If not, I’m not really interested in being drawn into an argument about it with you.

    Besides, I’m not arguing that it’s a good idea that the government does this. In fact, I’ve specifically suggested that the government NOT lend ANY money or guarantee any loans of any kind for any purpose, except perhaps when Congress has declared war.

    All I’m saying is this: according to 200 years of precedent, no constitutional challenge to such an Act by Congress as is being discussed here would make it beyond Rule 12 in a District Court, much less all the way to the Supreme Court. So what difference does it make whether, in your mind, the Constitution doesn’t authorize such a practice?

  • http://vbushmills.blogtownhall.com/ vassar

    …I’m not sure what the fuss is all about.

    Of course he wants to do this, and a lot of other things, as well.

    This is what the fight for Congress is all about…stopping all of this, not just heath care, cap and trade, etc.

    Thanks for heads-up Erick but I don’t think anyone has even hung up their 6-shooter from the last fight.

    Just keep us up to date.

  • Common_Cents

    I did a diary on it recently.

    http://www.redstate.com/common_cents/2010/01/21/a-method-to-his-madness-how-obama-will-draft-his-army-103-billion-in-student-loans-at-a-time/

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    and vote buying schemes…. while Democrats make a play to DUMB young folks by couching these things as “a handout especially for your needs” (vote buying) the young skulls full of mush have NO CLUE that it is specifically because of Liberal schemes to funnel more and more funds to their Liberal Elite friends that have made the Tuition otherwise unaffordable without the Liberal money scheme. They don’t understand, and many never will, until far later how that shell game was/is played. How Liberals take an American Dream item, College Education in this case, and inflate it to a crisis, impose a Govt. laiden scheme, which leads to a bigger problem/crisis, and the cycle continues….

    You are absolutely right, costs would NEVER have grown to this point if the Universities truly competed for students and had to create their OWN finance availability and/or work with the Private sector to ONLY fill the need to finance some students costs.

  • 69Vette

    BYU’s curriculum is not nearly as conservative as one would think, but I’m pretty certain they’d opt out of all federal loan participation before allowing the Fed to dictate policy (either social or teaching content). As a politically Conservative Mormon I’ve found a lot of fault with BYU over the years but I’m confident (hopeful?) they’d tell Obama where to go if it came to that.

  • RedBeard

    But never mind, since you will only discuss this with another licensed attorney.

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    if they just used ALL of the money that they make on the money, rather than attempt to pile it to the moon, they could be funding Tuitions for most of their students on their own.

    Billion dollar endowments, for the most part, untapped

  • http://www.scragged.com petrarch

    I don’t think he is going to take over the entire student loan industry – I cannot imagine how the Supremes would find it Constitutional to forbid private loans for the purpose of undertaking a legal activity. What, I think, he wants to do is to get rid of private banks administering the **federally-subsidized** student loans, and instead administer that via (unionized, civil-service) bureaucrats.

    I think this might turn out to be a great idea, because cheap student loans have massively contributed both to the dumbing-down of modern curricula, and the ever-increasing price of a college education. Put bureaucrats in charge of the loans, and they’ll be so impossibly inconvenient and with such horrendous strings attached, that we’ll soon see more colleges going the route of Hillsdale. I hope. Bit of an adjustment, to be sure, but not wholly impossible.

    Taken to its logical end, even forgiving loans to kids who go work for the government isn’t entirely bad – because they’ll have gone to a school with all the educational content drained out, and be illiterate. The best bureaucrat is one who doesn’t know how to read or write.

  • Common_Cents

    The cost can be inflated as long as the payment is “reasonable” where terms will prob creep up to lifetime.

    Obama looks good giving these kids “affordable” education and then is the savior once again by “allowing” them to work off their debts by serving in his army of community service. Kinda sounds like modern day voting and financial slavery.

  • Common_Cents

    at universities.

    It’s funneling taxpayer money to his university cronies who have run mostly nothing in their lives.

  • bs

    If all you want to do is talk to other lawyers, maybe another venue would be better for you.

  • Common_Cents

    There will be no incentive to collect student loans and Obama is already out, as he was on campaign trail, telling students they can “work off” their loans by, wait for it, community service, I’m sure at only Obama approved agencies.

    Govt will make a deal with the Sallie Mae’s to service the loans with NO incentives to collect. Govt will pay the Sallie Mae’s for a few phone calls and faux action but not on results.

    Defaults will increase sharply. Especially if Obama continues wrecking the economy. You need a job to pay off your loan.

  • Common_Cents
  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    of Government expansion and Democrat vote buying (as gone into more in-depth in other comments I’ve made in this diary/subject)…

    It all started with the Grants and other identified “Student-Aide” in the name of Affirmative Action and/or “the Poor” BS…. then they expanded it to the Student Loans part of the equasion, because why limit the vote buying and potential to drive up monies to their University friends, which has now lead to this latest “throw more money at the problem Liberals created” solution with the FULL TAKEOVER OF THE LOAN SYSTEM twist. Not to forget to mention, again (elsewhere in thread), about the ENDOWMENTS that the Liberals keep stock-piled rather than use to aid Students go to University.

  • warweaver

    I saw that one. Hilarious.

    There is something incongruous about a man who hauls out the full panoply of Presidential stagecraft in order to awe a bunch of 12 year old kids.

  • warweaver

    If I don’t use a broker to sell my house, I have to sell it for more to make up for the cost of not using a broker.

    I know we oppose government here, but that shouldn’t be an excuse to throw tax money away on corporate middlemen.

  • mdyou

    …has been under the tent for years. A lot of people who don’t have kids don’t realize that the FAFSA (document required if your child attends a school that accepts government loans) is a hugely onerous invasion of privacy. The information required includes all personal family information, including federal tax returns. This information goes to the State Department of Education, and who knows what happens to it then?

    And you must comply, even if you are paying for your child’s education out of pocket. No FAFSA, no college.

    Big Brother has been at this place for a long while. It isn’t going to get any better with this mess…what a pathetic excuse for a President of The United States.

  • warweaver

    was there a nicer way of telling someone they don’t know what they are talking about?

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    let alone the authority to financially enslave its citizens in order to get that Education that was/is supposed to be another Liberal phantom “Right of Equality of OUTCOME rather than access” — the key give-away was/is, of course, your “fused with other” — the usual living document that can be twisted and stretched to allow any intrusion and CASE LAW over CONSTITUTIONALY proper usual BS too.

  • revolutionary

    You have to be DENIED FAFSA (based on parental income if they still claim you) to be eligible for any other financial aid the college offers.

  • mdyou

    …unless you are a ‘disadvantaged minority’.

  • revolutionary

    What I didn’t say in the other post is that you can get all kinds of financial aid, even if you are approved for FAFSA. If you don’t fill out the FAFSA, though, you are not eligible for any other loans the college offers (like Perkins, etc.), nor can you get certain grants, like the Pell. Really is a kind of messed up system!

  • revolutionary

    I was actually told by a loan officer that I was denied because I was the wrong color!

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    in the first place… and after all…. GENERAL WELFARE clause, you know…. may as well toss the rest of the document out as everything is twisted to fit that distorted notion (rather than it’s proper application within defined enumerations), Fed.Govt. can now darn well do whatever it pleases.

  • Common_Cents

    Who really thinks they’d want to preserve any balance and be bipartisan? Reaching across the aisle for the sake of doing so is for pansies and McCains.

  • ss396

    That is, we can only HOPE that, under Federal auspices, the student loan program will be as straight-forward as an auto loan. The terms of auto loans don’t get messed around with as much as they do with other loan programs.

    On the other hand, if the student loan program is run in the manner of the Federal home mortgage programs – easy terms, low- or no-fee, balloon interest rates after graduation, etc. – then be afraid. Be very afraid, as we can look forward to some sort of student loan ‘bubble’ that will successfully crash our system of higher education.

    A very cold prospect indeed.

  • RedBeard

    …but thanks for asking.

  • RedBeard

    The way around it is to obfuscate and complicate what is, at its heart, a very simple document with a very easily understood encompassing principle, that of the specific enumeration of powers, as JLenard states.

    Original intent is not at all difficult to understand either, not with reference materials as provided by Publius to guide us. Why, on a good day even a non-lawyer might be able to grasp the basics. ;-)

  • ss396

    that you would have paid the broker. Of course, you also have to take care of all the services that the broker generally performs on behalf of, but you already know all that.

    You are looking for case law, but there is more in this world than that:
    - what has government improved for having taken charge of?
    - private finance will have no incentive or cause to continue the loan business, because it cannot be non-competitive. Sure, there will always be a rump private student loan industry, but it will be highly marginalized;
    - Gersham’s Law: bad money drives out good money;
    - Who pays the piper calls the tune. The Feds will not forbid teaching things such as religion, but eventually they will require inclusion of alternate views;
    - Organized crime starts by providing small services for small fees; then it expands, and then it is too late to get out of the program;
    - How does not resisting this program wean us from the Federal teat? How does allowing the expansion of Federal largess serve to diminish it?

    There is a lot more to this issue then your sacrosanct “case law”.

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    any online searchable Constitution with most important case-law annotation references show the Federal Govt’s basis for the intrusion to be such and the CASE LAW basis’ of/for review have continued to allow the stacking upon of the Liberal Incremental-ism rather than any REAL challenges as to the underlying Constitutional basis anymore.

    You are exactly right…. while the courts were stacked WORSE than they are today is what got us here…. Now, one can certainly argue merits over actual REAL concerns for “equal protection” over the more current AGENDA is a whole other arguement – it is the usual case of decisions being made in regard to SOCIAL JUSTICE rather than long term concern for the Republic’s proper authorities.

    If the Federal Govt. had the actual RIGHT TO COMPLETELY CONTROL EDUCATION…. Had there been any real and true basis ANY Religious materials under ANY CIRCUMSTANCE of Education would have long been eliminated. They would have long used the EQUAL PROTECTION wedge in the other wedge argument, but they couldn’t/don’t BECAUSE IT DOESN’T EXIST!!!!! They would argue the ultimate Equal Protection would be that EVERY/ANY Child be Educated 100% exactly the same!!!!! It was NOT until the Progressives discovered their WEDGE OPPORTUNITIES that rocketed us to where we are now!

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    and low and behold, as with so many LIBERAL DISTORTIONS, the original concepts/pretexts are gone in favor of the latest and greatest pleas to buy votes in the name of Social Justice!!! …. please see the … initial Liberal intrusion: Fed/Liberal WEDGE: misuse of… 1.Equal Protection 2.Seperation (AntiReligion) push…. challenges … comment down-thread and let me know if you have anything to add!?!?!?

  • http://www.ssce.net/Web-Articles/Web-articles-indexed-authors.html#authors-l JLenardDetroit

    Constitution: “Education” the basic WEDGEs that Liberals use(d) to distort the whole original concepts of the Education BS and now they push even furhter forth today.

  • The_Rebel

    and a way to increase their membership by pushing more graduates into government rather than the private sector- in other words, a bribe. Most of his new initiatives besides the student loan deal do little or nothing to help the private sector. It’s just more of the same- increased government control over everything. Doubling the earned income credit for those whose yearly income is less than $85,000 just doubles this federal spending program.

    Now I see why he doesn’t want his commission on spending reduction to even meet until after November.

  • drmonroe

    100%

    I think less availability of loans would go a long way to decreasing the costs. Right now government encourages lenders to give out loans to young kids with virtually no life experience, who (generally speaking) have no credit, no (or little) income and no guarantee that they will be able to afford to pay the money back after graduation . Lenders go along with this because the loans are government backed and afford privileges that no other loans in America do, which is a lack of even basic consumer protections and a federal guarantee on the loans.

    If this were to change not everyone would be able to “afford” to go to school. Schools would then either have to find a way to lower costs so that middle class kids could attend or shut down due to a lack of enrollment. I’m guessing they’ll try to make lowering tuition work.

  • Achance

    all those ideas at his university that he then gives to little brother government.

  • Finrod

    My alma mater, Wabash College, is still one of a very small number of all-male colleges left in the country. Sure, they’ve considered going coed in the past, but it’s been rejected. The argument that it’s limiting women’s access to education has long since been refuted; there are more women-only colleges in the state of Indiana than there are men-only colleges in the entire country, but I’m sure that won’t stop Barack Obama from bringing his hammer down.

  • mdyou

    No wonder they love NARAL.

  • 1volunteer

    A very large percentage of students receive student loans to help pay tuition and board. The federal government will be in control of ALL STUDENT LOANS, not just those whose funds come from the US govt! So if BYU wants to buck Uncle Sam, students will have to pay cash, use credit cards, or get loans from family and friends.
    What school could stand losing so many students?
    Another poster mentioned home-schooled students. Do you think the NEA might lean on the student loan bureaucracy to deny loans to them? So the govt would not ban homeschoolers from college, just require that they pay in cash.
    We must stop this plan!

  • http://www.suvstrategery.blogspot.com SoFiMil

    And unless you’re “in the know” and on BYU’s Board of Directors, don’t imply you know what they will do.

    You seem to want the Government out of your life, but then complain about what students will do if the Government is out of their lives and then studnets have to take more responsibility. What is it?

  • http://www.suvstrategery.blogspot.com SoFiMil

    I’m still learning about this wacky idea. It’s difficult to conceive of the inconceivable.

  • jackhammer

    Otherwise you would need a credit worthy cosigner like your parents perhaps to get a similarly low rate. If you could just decalre bankruptcy after college and walk away from your debts, that would probably be something a good 30% of students would do. The effects of Bankruptcy are nto so important to a 22 year old just starting their first job. They would have ot pay for a car with cash, adn use a debit card instead of a credit card, but since most college graduates aren’t going to be buying a home or gettign married for at least a couple of years, they would be free and clear before any of that hit.

    To account for that high delinquency and potential bankruptcy rates, and since there is no real collateral in an education (they can’t take it away form you and sell it like a house or a car), the rates woudl be really high.

    It is not because it is a government program that the rates are low, it is because the government has put in special enforceable limits on you as a lendee. You cannot walk away form these debts, you cannot bankrupt yourself and walk away. Banks can’t do that. If they could, if they could have you sign legally enforceable personal liability exempt form any bankruptcy, then they too would give you a good deal and a good rate.

    I know that banks often tend to give MBA candidates form good schools, or Medical School students extensive lines of credit. They do this because they are pretty sure they will be earning bigger money in the future and are not as bankruptcy risk as english majors in undergrad. they also want to have those people establish a relationship with their bank, so they cna have them as good cusotmers in the future.

    So, in a way it is the government forcing you to own up to your debts, that makes the people willing to lend to you.

  • mosander

    That will work fine until the dollar collapses and no one can buy a house. Oh, yes, I forgot. The new EPA rule is no one can buy a house or sell a house until it has an energy upgrade. Modifications and inspections costs will prevent most from selling or moving. Old people freezing in the snow after the govt throws them out on their hind parts. Is this a great country of what!? Get this idiot out of office and the two trolls Pelosi and Reid.

  • freedomofthought

    This due to lack of competition. At least this is true in the primary and secondary school system. And as you can see even if it did NOT include post secondary education, this govt thrust would include that as well.

    A (conservative, believe it or not) professor friend of mine teaches
    business & economics. He did a study of multiple industries and their product cost increases relative to the inflation rate over several decades.. Three (3) Industries stood out far and above the othersm as rising at multiples of the inflation rate.

    These were, Health, Education and Government.

    The reason was that in those 3 industries there was no competition (at least in pre-college education). It would seem to follw then that if Govt is in total control of anything it will have the same effect in those industries, way more even that it has now with the restrictions on any business doing business WITH the Govt.

    These interesting facts would seem to indicate that the creeping (and creepy) control SURGE that Obama and Congress are implementing will make this entire country non-competitive and its Economy will fail.

    The term “Progressive” would seem to match the Democrats style of taxing and the expected rise in costs of anything they touch.

    It will be interesting to see if Banking, Insurance & Automotive don’t follow suit given the current govt direction.

    As to what the students will need to do to payback the loans, I’ll make a pretty certain prediction
    that it will include service in Obama’s Civilian Security force which he said must be at least as
    strong and well resourced as the military. (Can you say Brown Shirts?)

    OR his Community force ACORN

    A dvancing
    C ommunism
    O ver a
    R ecalcitrant
    N ation

  • sarge324

    hilter,stalin .mao,pol pot,and now obama.history is repeating it self.we have learned from history,lets not repeat it.the party liners will vote for this no matter what.americas is counting on the true republicans and democrates who love this country more then obama.

  • 1volunteer

    If I understand the bill, the federal bureaucracy will have control of all college loans. We would like to think that they would not use this power in such a way as to try to influence policy in the schools, but the history of the fed govt’s “help” to our universities shows that they would.

    We might have great admiration for any university board that would stand up against the heavy hand of tyranny and say, “We will just continue without any student loans.” Should they succeed, I would be heartily cheering them on. I just don’t see how they could. Maybe BYU is a school that could do it; I know little about their financial condition and sources of support.

    I would love to see one or more of the state governments stand up against this law, should it pass. One way would be for the legislature to forbid students in their state-funded universities to accept student loans through the US govt. Courts would immediately be jammed, but it might just be the constitutional fight that would bring back recognition of the 10th amendment and an honoring of the separation of powers.

    Live free or die.

  • jayburd

    Meeting College Costs

    Students and their parents face formidable challenges in planning for college as costs continue to outpace inflation. Higher education seems immune from market controls and the law of supply and demand. We commend those institutions which are directing a greater proportion of their endowment revenues toward tuition relief.

    The Republican vision for expanding access to higher education has led to two major advances, Education Savings Accounts and Section 529 accounts, by which millions of families now save for college. While federal student loans and grants have opened doors to learning for untold numbers of low- and middle-income students, the overall financial aid system, with its daunting forms and confused rationales, is nothing less than Byzantine. It must be simplified. We call for a presidential commission to undertake that task and to review the role of government regulations and policies in the tuition spiral. We affirm our support for the public-private partnership that now offers students and their families a vibrant marketplace in selecting their student loan provider.

    I always have to ask, why would anybody want to be “partners” with an entity that is untold trillions in debt?