Tuesday, October 25, 2005

What Moral Values?

I am truly having a hard time being nice in my comments about the proposed GOP budget cuts: "Republicans began targeting key programs for budget cuts yesterday, from student loans and health care to food stamps and foster care." As if that's not bad enough:
The House Ways and Means Committee today will begin drafting legislation that would save about $8 billion over five years, eight times the $1 billion target the panel was given in the spring. To do it, Chairman Bill Thomas (R-Calif.) would cut back federal aid to state child-support enforcement programs, limit federal payments to some foster care families, and cut welfare payments to the disabled.
In the words of someone more directly affected than myself:
"I can't believe that some people in Washington think that, after a Category 5 hurricane, the solution is to unleash a Category 5 hurricane on working people," said Michele Baker, a custodian for the Orleans Parish School District, who weathered Katrina in her car, spent the aftermath in the Louisiana Superdome and now has no job.
What kind of human being would cut welfare payments to the disabled?

Yeah, we're in fiscal trouble:
"Listen, we're broke. Let's face it," said Rep. John A. Boehner (R-Ohio), chairman of the House Education and the Workforce Committee, which will try today to complete legislation saving $18.1 billion over five years from pension protection and student loan programs.
So why are the conservative Republicans trying to permanently repeal the estate tax that pretty much only benefits the heirs to the hyper-rich? I am truly embarassed. History is going to judge this time period harshly. And rightly so if some of these cuts happen.

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At November 11, 2005 12:24 PM, Anonymous Joe Fitz said...

Regarding student loans cuts, here is a good op-ed by Dr. Charles Young, Chancellor Emeritus of UCLA. It was in Roll Call Magazine.....Joe Fitz

Students And Parents Must Act Immediately To Protect Their Wallets

HEA legislation proposed by the House, if passed, would have the following catastrophic effects on all borrowers with federally guaranteed loans, including parents, students still attending school, as well as millions of former students.

(i) Direct and FFEL borrowers who are still in school would no longer be eligible to consolidate their loans and lock-in their respective rates of 4.6% (Direct) and 5.3% (FFEL).

Even if the T-bill does not increase between now and May 31, 2006, the date the rate would be reset, the October 25, 2005, 91-day T-bill rate of 3.88% + 3.3% (the add-on proposed by the House to get a fixed rate consolidation loan) would total 7.18%. Parents would pay 3.88% + 4.1% or 7.98%.

This would be a full 2.46% higher for DIRECT in-school student borrowers and 1.88% higher for both FFEL in-school student borrowers and all FFEL and DIRECT parent borrowers. In dollars and cents, a student or parent borrower could end up paying approximately $5,000 - $18,000 more:
Program Old Rate New Rate* Balance Term EXTRA Cost
FFEL 5.3% 7.18% $20,000 20 yrs $5,255.99
$40,000 25 yrs $13,932.24

DIRECT 4.6% 7.18% $20,000 20 yrs $7,107.85
$40,000 25 yrs $18,813.54

ALL PLUS 6.1% 7.98% $20,000 20 yrs $5,423.22
(Parents) $40,000 30 yrs $18,198.15

If interest rates continue to trend upward, the extra amount could be considerably higher. For example, assuming the T-bill rises .75% to 4.63% on May 31, 2006, a borrower could end up paying approximately $7,000 - $28,000 more:
Program Old Rate New Rate* Balance Term EXTRA Cost
FFEL 5.3% 7.93% $20,000 20 yrs $7,461.52
$40,000 25 yrs $19,798.04

DIRECT 4.6% 7.93% $20,000 20 yrs $9,313.38
$40,000 25 yrs $24,679.33

ALL PLUS 6.1% 9.00% $20,000 20 yrs $8,520.67
(Parents) $40,000 30 yrs $28,602.41

*Under the current House proposal, however, students who will enter grace before 7/1/06, would not be hit so badly since they would still be able to consolidate at the rate of 6.3% (91-day T-bill was only 3% on 5/31/05 + 3.3%).

(ii) FFEL ONLY borrowers would be prohibited from consolidating with Direct Loans to take advantage of their income-contingent repayment option. This would mean that FFEL students who cannot afford the minimum payments offered in the FFEL program would have no viable long-term alternative other than forbearance.

(iii) The vast majority of FFEL and DIRECT borrowers would be barred from reconsolidating. In January of this year, the Department of Education ruled that FFEL consolidation borrowers are allowed to reconsolidate into DIRECT and the Department reconfirmed that DIRECT borrowers are allowed to reconsolidate into FFEL.

In my recent letter to every member of Congress, I emphasized the following:

"Importantly, the Senate bill, unlike the House version, preserves the ability of borrowers who have already consolidated their loans to secure better terms by reconsolidating with another lender. However, to do this, it's my understanding that the borrower is currently obligated to complete a rather arcane two-step reconsolidating process.

"It is critical for borrowers to continue to have a refinancing option. However, rather than requiring them to go through the current two-step process, it would be preferable to simply authorize borrowers to refinance directly with any lender of his or her choice.

"Vigorous competition and consumer choice are hallmarks of the American economy. The rights of students and parents to make free choices as to the financing and refinancing of their education loans must not only be allowed, it should be protected, as it is with home financing. Millions of students and parents now require upwards of 20 years to retire their student loan obligations. To force a student or parent who has consolidated their loans once to remain indebted to the same lender forever, as HR609 proposes, while other lenders offer better terms, is not only counter to basic free market principles; it is just not fair."

The HEA legislation proposed by both the House and Senate calls for the repeal of the Single Holder Rule that prohibits borrowers with only one lender from consolidating with the lender offering the best terms. Many lenders have and will continue to fight the repeal of this law tooth and nail, and are quietly supporting the new restrictions on reconsolidation hidden in the House legislation for the same reason: they are concerned about losing business to competitors willing to offer better rates and benefits.

Because the Senate bill, bi-partisan legislation co-sponsored by Enzi of Wyoming and Kennedy of Massachusetts, contains none of the protectionist legislation contained in the House bill, there may still be time for the financial aid community, students and parents to step up and be heard. This sort of restriction of trade has been, and will continue to be, a multi-billion dollar drain on pocketbooks of America's families that will never show up on the Congressional Budget Office's score sheet that Congress keeps talking about. In fact, reconsolidation will actually move money from lenders' pockets back to the taxpayers because under the proposed legislation, lenders no longer get to keep excess income above the minimum guarantee offered by the program. In addition, the government collects the usual .5% tax from FFEL lenders and any lender income above the minimum guarantee on all new FFEL consolidation loans will go back to the taxpayers.

It is also worth noting that the latest version of the House legislation increases the tax on all consolidation loans to 1% and imposes a new .25% tax on lenders specializing in consolidation loans. While, at first glance, this appears to be just another tax, it is actually an anti-competitive measure designed to lessen or even eliminate competition, and, in the end, will come out of the pockets of students and parents because the smaller lenders will no longer be able to afford to offer such attractive terms.

Hopefully, Congress will put aside the idea of having students and parents fund wars and hurricanes and the concept of protecting the interests of lenders wanting to avoid fair competition.

Join with me in encouraging Congress to take action that is consistent with the original intent of the HEA and is in the long-term best interests of our citizens.

Now would be the ideal time to speak up on these critical issues. Those who are concerned about restriction of trade and higher prices should call their Representative and Senators in Washington.

They may be reached at (202) 224-3121.

Sincerely,
Charles E. Young, PhD
Chancellor Emeritus
UCLA

President Emeritus
University of Florida

 
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At November 16, 2005 4:19 AM, Anonymous Grace said...

Dick Morris, Clinton's former campaign manager, had this article about student loans published in The Hill today.

Makes you stop and think.


The student-loan rip-off is a test of GOP rhetoric


Special-interest legislation doesn’t get much more obnoxious than the bill now making its way though Congress to clamp down on students and former students who want to refinance their loans at lower interest rates. They are about to be severely punished for seeking not only an education but a debt-free life afterwards.

While homeowners can refinance their mortgages as often as they want and relieve themselves of high-interest debt when rates cycle downward, student and former-student debtors are only permitted to refinance once for the lifetime of the loan! And now the House is considering legislation that would stop students who are in school from keeping their current interest rate of 4.75 percent and would instead force them to pay 7.9 percent, creating a lifetime burden entirely unjustified by the lending market.

Many students are locked into rates that approach 9 or 10 percent, reminders of the grim economic days of the early 1980s, and find themselves with no flexibility. Frequently, students use their once-only refinancing option shortly after graduation and find themselves helpless as the market interest rates drop ever lower.

Home-mortgage refinancing, often similarly guaranteed by Fannie Mae, has become a huge industry and has given many families alternatives to bankruptcy as they face huge debt burdens. But student loan refinancing — beyond the one shot now permitted — is blocked by special-interest regulation and legislation.

The legislative efforts by special interests reflect the power of the once quasi-public body Sallie Mae (Student Loan Marketing Association), which has now cut off all connection with the government and instead become a profit-making company unrelated to the government called the SLM Corp.

With a 25 percent share of the student loan market — more than six times that of its rivals — SLM has cashed in on federal guarantees against defaults on the one hand and blocked student refinancing on the other. As a result, according to columnist Terry Savage, writing for thestreet.com, SLM has made a profit of 1 percent over its loan volume of $100 billion — $1 billion in profit!

Since student loans constitute one-quarter of all outstanding loans, SLM has huge market power that it has not hesitated to translate into political clout through campaign contributions that water and nourish the Republicans who control the legislative process. In all, the SLM PAC contributed almost $140,000 to the members of the House Education and the Workforce Committee to lock in their preferential treatment.

Once SLM abandoned its federal charter and went into business for itself, this public-private hybrid should have lost its quasi-governmental status and been forced to compete in the private marketplace like anyone else. All regulations restricting refinancing or consolidation should be repealed. If there was ever an area in which the Republicans should effectuate their rhetoric and deregulate, this is it.

Student loans are the shackles that most young people take into the rest of their lives after leaving school. Keeping this debt hangover large and rendering it inflexible is about as anti- family a policy as you can get, forcing young people to postpone starting families because of the load of debt with which they begin life burdened. Yet it is the Democrats, led by Sen. Ted Kennedy (Mass.), who are most vociferous in battling for deregulation.

For President Bush, desperately seeking traction with which to regain his popularity, a crusade on behalf of student debtors, announced in his State of the Union speech, might be just the ticket. He could help himself get out of political red ink by mitigating the financial red ink in which an entire generation finds itself mired.

Morris is the author of Rewriting History, a rebuttal of Sen. Hillary Rodham Clinton’s (D-N.Y.) memoir, Living History.

 
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At April 04, 2007 1:21 PM, Anonymous Anonymous said...

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I'm interested in investing in the real estate market in the US and am looking for some really cheap repossession properties in Beverley Hills, Santa Barbara, Denver, Colorado, San Francisco, Fort Lauderdale, Iowa, Hawaii, British Columbia, New Jersey, New Hampshire, New England, Minnesota, Miami, Florida, California, New York, Washington, Dallas, Texas, Chicago and Los Angeles. I've found a couple of really good sites - Bargain network which has some really cheap homes and Texas Ranches for sale - ranches in Texas plus both sites have beachfront villas and cars that have been repossessed and are really cheap!! Just wondering if there are any more sites like this.

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Hi

Enjoyed the blog - nice to see someone else has activated their anonymous feature ;-)

I'm interested in investing in the real estate market in the US and am looking for some really cheap repossession properties in Beverley Hills, Santa Barbara, Denver, Colorado, San Francisco, Fort Lauderdale, Iowa, Hawaii, British Columbia, New Jersey, New Hampshire, New England, Minnesota, Miami, Florida, California, New York, Washington, Dallas, Texas, Chicago and Los Angeles. I've found a couple of really good sites - Bargain network which has some really cheap homes and Texas Ranches for sale - ranches in Texas plus both sites have beachfront villas and cars that have been repossessed and are really cheap!! Just wondering if there are any more sites like this.

Thanks for this.

John

 

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