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OPINION: Don’t Let Biden Get Talked Out of Student Loan Forgiveness

A Brookings Institute study in 2018 took a long view on student borrowing going back to 1995-96. It found that for-profit borrowers default at twice the rate of public two-year borrowers (52 versus 26% after 12 years). Overall, it found the for-profit students were more likely to borrow and had a default rate four times that of public two-year entrants. The study also found that student and institutional factors determined default rates. And that debt and default rates among Black college students was at a “crisis level.”

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Emil Guillermo is a journalist and commentator. He does a talk show on www.amok.com
Emil Guillermo is a veteran journalist and commentator. He is at www.amok.com

By Emil Guillermo

Don’t be confused about the student loan forgiveness plan President Biden announced recently. Sure, it wasn’t all student debt. But it did address the most egregious debt foisted on students by for-profit predator “educators.” The plan would also definitely help BIPOC borrowers more than not.

And yet, days after the announcement, people are questioning the idea from the Left and the Right.

The Left wants no limits, all debt relieved. The Right wants none of it, and asks “Who’s going to pay for it all?” Of course, they don’t ask that when it was mostly the rich who benefited from Trump tax cuts or COVID PPP payouts.

Bottom-line, we can’t let Joe Biden be talked out of student loan relief up to $10,000 for individuals, with an additional amount for those with Pell Grants.

This plan is focused on regular folks, single people with incomes under $125,000, and married folks with incomes under $250,000.

The plan is also ready-made for BIPOC communities who have suffered specifically from private, for-profit schools. Schools which follow a pattern — preying on peoples’ dreams, getting them to take out expensive student loans, that only result in debt, no degree, and busted dreams.

That was how many private, for-profit schools like Corinthian College and ITT Technical Institute preyed on unwary borrowers, resulting in massive debt forgiveness plans for their students before the general forgiveness plan was announced.

Just this week, the Department of Education announced another $1.5 billion debt relief package for 79,000 borrowers who attended Westwood College. Closed down in 2016, Westwood left students holding the bag until the feds came up with a debt package on Monday.

“Westwood operated a culture of false promises, lies and manipulation in order to profit off student debt that burdened borrowers long after Westwood closed,” said Education Undersecretary James Kvaal in a statement.

With evidence from state attorneys general in Colorado and Illinois, the Dept of Education described how Westwood “routinely misled prospective students by grossly misrepresenting that its credentials would benefit their career prospects and earning potential.”

Specifically, the school promised students jobs in their fields within six months of graduation that would “make them employable the rest of their lives.” Everything was inflated, like a “guarantee of employment pledge” that was never made good.

Sound like any of the for-profit schools that have hooked someone you know to sign up for classes in a business park campus off a highway after taking out a hefty student loan?

Sure, there are schools like the Cal State East Bays and the Laney Colleges, state colleges and junior colleges respectively. They are solid public-non-profit institutions. There are also the expensive traditional private schools like Stanford where people have loans out. The Biden-Harris plan will cover between $10,000-$20,000 of all those loans (including Parent-Plus loans) from those schools.

But for the most part we are talking about predator “private, for-profit” colleges, not the kind of schools that teach you the humanities like history or poetry.

And they sure took many a BIPOC student for a ride.

A Brookings Institute study in 2018 took a long view on student borrowing going back to 1995-96. It found that for-profit borrowers default at twice the rate of public two-year borrowers (52 versus 26% after 12 years). Overall, it found the for-profit students were more likely to borrow and had a default rate four times that of public two-year entrants.

The study also found that student and institutional factors determined default rates. And that debt and default rates among Black college students was at a “crisis level.”

Black BA graduates default at five times the rate of white BA graduates and are more likely to default than white dropouts.

As for the institution, out of 100 students who ever attended a for-profit, 23 defaulted within 12 years of starting college in the 1996 cohort compared to 43 in 2004.

The culprit is clearly predator for-profit schools. If you know someone in debt to those types of schools, let them know the Biden-Harris plan promises some relief.

This isn’t about the moral failings of student borrowers.

This is more about the moral failings of the for-profit predators and holding them accountable. And yet they’re getting a lot more sympathy than any of us BIPOC borrowers they preyed on.

Emil Guillermo is a veteran journalist and commentator. Visit him on www.amok.com

Activism

OP-ED: Like Physicians, U.S. Health Institutions Must ‘First, Do No Harm’

Coupled with their lack of government and healthcare-related experience, we are concerned these nominees will significantly undermine public health, increase the number of uninsured people, worsen health outcomes, and exacerbate health disparities. Physicians observe Hippocrates’ maxim to “First Do No Harm,”, and we urge Trump administration officials to do the same. It is critical that the leadership of HHS and its agencies make decisions based on facts, evidence, and science. Misinformation and disinformation must not guide policymaking decisions and undermine evidence-based public health strategies. Spreading these falsehoods also erodes trust in our public institutions.

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Albert L. Brooks MD. Courtesy photo.
Albert L. Brooks MD. Courtesy photo.

By Albert L. Brooks MD
Special to The Post

Presidential administrations significantly impact the health and wellbeing of our patients and communities.

Through the Department of Health and Human Services (HHS) and the agencies within it, such as the Centers for Medicare & Medicaid Services and the National Institutes of Health, this new administration will decide how financial resources are allocated, dictate the focus of federal research, and determine how our public health care insurance systems are managed, including the Affordable Care Act (ACA), the Children’s Health Insurance Program, the Vaccines for Children program, Medicare, and Medicaid.

The decisions made over the next four years will impact all Americans but will be felt more acutely by those most underserved and vulnerable.

As physicians, we are greatly concerned by the nominations announced by President Trump to critical healthcare related positions. Many of their previous statements and positions are rooted in misinformation.

Coupled with their lack of government and healthcare-related experience, we are concerned these nominees will significantly undermine public health, increase the number of uninsured people, worsen health outcomes, and exacerbate health disparities. Physicians observe Hippocrates’ maxim to “First Do No Harm,”, and we urge Trump administration officials to do the same.

It is critical that the leadership of HHS and its agencies make decisions based on facts, evidence, and science. Misinformation and disinformation must not guide policymaking decisions and undermine evidence-based public health strategies. Spreading these falsehoods also erodes trust in our public institutions.

Vaccines, in particular, have been a target of disinformation by some HHS nominees. In fact, research continues to confirm that vaccines are safe and effective. Vaccines go through multiple rounds of clinical trials prior to being approved by the Food and Drug Administration (FDA) for administration to the public.

Vaccines protect against life-threateningdiseasessuch as measles, polio, tetanus, and meningococcal disease and, when used effectively, have beenshowntoeliminateorsubstantiallyreducediseaseprevalenceand/orseverity.

Because of vaccine mis- and disinformation, there has been a resurgence in vaccine-preventable diseases such as measles and whooping cough, endangering those who are too young or unable to be vaccinated.

Several nominees have spread disinformation alleging that fluoride in public drinking water is harmful. In fact, fluoride in drinking water at the recommended level of 0.7 parts per million, like we have in our EBMUD water, is safe and keeps teeth strong. Because of public health interventions dating back to the 1960s that have resulted in 72.3% of the U.S. population now having access to fluoridated water, there has been a reduction in cavities by about 25% in both children and adults.

We also encourage the next administration to invest in our public health infrastructure. The COVID-19 pandemic highlighted the critical role of public health agencies in preventing and responding to health crises in our communities.

Health departments at the state and local levels rely on federal funding support and technical assistance to develop public health response plans, implement public health strategies, and work with on the ground organizations to serve hard to reach communities. Public health agencies are critical for protecting everyone in our communities, regardless of income-level, insurance status, or housing status.

Health officials should also work to protect the significant improvements in insurance coverage that have occurred since the passage of theACAin 2010.According to HHS, the numberofuninsuredAmericansfellfrom48millionin2010to25.6millionin2023.

California has led the way by investing in Medi-Cal and expanding eligibility for enrollment. In fact, it reached its lowest uninsured rate ever in 2022 at 6.2%. Voters affirmed this commitment to expanding and protecting access to care in November by passing Proposition 35, which significantly expanded funding for California’s Medi-Cal program. The administration should advance policies that strengthen the ACA, Medicaid, and Medicare and improve access to affordable health care.

Regardless of the president in power, physicians will always put the best interests of our patients and communities at the forefront. We will continue to be a resource to our patients, providing evidence-based and scientifically proven information and striving to better their lives and our community’s health. We urge the new Trump administration to do the same.

Albert L. Brooks MD is the immediate past president of the Alameda-Contra Costa Medical Association, which represents 6,000 East Bay physicians.

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Oakland Post: Week of January 29 – February 4, 2025

The printed Weekly Edition of the Oakland Post: Week of January 29 – February 4, 2025

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Oakland Poll: Tell Us What You Think About the Cost of Groceries in Oakland

Food banks and grocery giveaways are a large part of the resources nonprofits in Oakland prioritize, particularly in areas like East and West Oakland where low-income families of color tend to reside. These neighborhoods are often labeled as “food deserts” or communities that have limited access to affordable and nutritious foods.

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Oakland Poll: Tell Us What You Think About the Cost of Groceries in Oakland
Oakland Poll: Tell Us What You Think About the Cost of Groceries in Oakland

By Magaly Muñoz

In 2023, the average spending on groceries increased by nearly $30 each month from the year before;people are spending over $500 a month to put food on the table.

Through previous reporting by the Post, we’ve learned that families in Oakland are depending more and more on free or low cost groceries from food banks because they can no longer afford the rising costs of food at the store.

Food banks and grocery giveaways are a large part of the resources nonprofits in Oakland prioritize, particularly in areas like East and West Oakland where low-income families of color tend to reside. These neighborhoods are often labeled as “food deserts” or communities that have limited access to affordable and nutritious foods.

We’ve recently spoken to families across these two areas of Oakland and have heard several stories that all point to one problem: food is expensive. Some individuals are spending upwards of $150 a week for themselves or double if they have teens or small children in the family.

We’ve also heard stories of people with chronic illnesses like diabetes and high blood pressure struggling to maintain their diets because they’re having a hard time affording the food that helps them stay healthy.

Do these experiences sound similar to what you or your family are dealing with every month? Are you struggling to afford your basic groceries every week? Do you depend on food banks to help you get by? Are there any chronic illnesses in your household that need to be managed by a special diet?

We want to hear about your experiences and ideas for solutions!

The Oakland Post is investigating food access in Oakland and how residents are surviving as the cost of living continues to increase. Your experiences will help shape our reporting and show local leaders the need to invest in our communities.

In order to get as much feedback as possible, we ask that you click this link to fill out a brief questionnaire or visit tinyurl.com/Oakland-Post-food-survey. You can also scan the QR code above to reach the survey. After you fill it out, please consider sharing the link with your friends and family in Oakland.

If you have questions, please reach out to our Oakland reporter Magaly Muñoz at mmunoz@postnewsgroup or text/call her at (510) 905-5286.

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