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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: AB 1349 Puts Corporate Power Over Community

Since Ticketmaster and Live Nation merged in 2010, ticket prices have jumped more than 150 percent. Activities that once fit a family’s budget now take significant disposable income that most working families simply don’t have. The problem is compounded by a system that has tilted access toward the wealthy and white-collar workers. If you have a fancy credit card, you get “presale access,” and if you work in an office instead of a warehouse, you might be able to wait in an online queue to buy a ticket. Access now means privilege.

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Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland
Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland

By Bishop Joseph Simmons, Senior Pastor, Greater St. Paul Baptist Church, Oakland

As a pastor, I believe in the power that a sense of community can have on improving people’s lives. Live events are one of the few places where people from different backgrounds and ages can share the same space and experience – where construction workers sit next to lawyers at a concert, and teenagers enjoy a basketball game with their grandparents. Yet, over the past decade, I’ve witnessed these experiences – the concerts, games, and cultural events where we gather – become increasingly unaffordable, and it is a shame.

These moments of connection matter as they form part of the fabric that holds communities together. But that fabric is fraying because of Ticketmaster/Live Nation’s unchecked control over access to live events. Unfortunately, AB 1349 would only further entrench their corporate power over our spaces.

Since Ticketmaster and Live Nation merged in 2010, ticket prices have jumped more than 150 percent. Activities that once fit a family’s budget now take significant disposable income that most working families simply don’t have. The problem is compounded by a system that has tilted access toward the wealthy and white-collar workers. If you have a fancy credit card, you get “presale access,” and if you work in an office instead of a warehouse, you might be able to wait in an online queue to buy a ticket. Access now means privilege.

Power over live events is concentrated in a single corporate entity, and this regime operates without transparency or accountability – much like a dictator. Ticketmaster controls 80 percent of first-sale tickets and nearly a third of resale tickets, but they still want more. More power, more control for Ticketmaster means higher prices and less access for consumers. It’s the agenda they are pushing nationally, with the help of former Trump political operatives, who are quietly trying to undo the antitrust lawsuit launched against Ticketmaster/Live Nation under President Biden’s DOJ.

That’s why I’m deeply concerned about AB 1349 in its current form. Rather than reining in Ticketmaster’s power, the bill risks strengthening it, aligning with Trump. AB 1349 gives Ticketmaster the ability to control a consumer’s ticket forever by granting Ticketmaster’s regime new powers in state law to prevent consumers from reselling or giving away their tickets. It also creates new pathways for Ticketmaster to discriminate and retaliate against consumers who choose to shop around for the best service and fees on resale platforms that aren’t yet controlled by Ticketmaster. These provisions are anti-consumer and anti-democratic.

California has an opportunity to stand with consumers, to demand transparency, and to restore genuine competition in this industry. But that requires legislation developed with input from the community and faith leaders, not proposals backed by the very company causing the harm.

Will our laws reflect fairness, inclusion, and accountability? Or will we let corporate interests tighten their grip on spaces that should belong to everyone? I, for one, support the former and encourage the California Legislature to reject AB 1349 outright or amend it to remove any provisions that expand Ticketmaster’s control. I also urge community members to contact their representatives and advocate for accessible, inclusive live events for all Californians. Let’s work together to ensure these gathering spaces remain open and welcoming to everyone, regardless of income or background.

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Activism

Oakland Post: Week of December 31, 2025 – January 6, 2026

The printed Weekly Edition of the Oakland Post: Week of – December 31, 2025 – January 6, 2026

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Activism

Big God Ministry Gives Away Toys in Marin City

Pastor Hall also gave a message of encouragement to the crowd, thanking Jesus for the “best year of their lives.” He asked each of the children what they wanted to be when they grow up.

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From top left: Pastor David Hall asking the children what they want to be when they grow up. Worship team Jake Monaghan, Ruby Friedman, and Keri Carpenter. Children lining up to receive their presents. Photos by Godfrey Lee.
From top left: Pastor David Hall asking the children what they want to be when they grow up. Worship team Jake Monaghan, Ruby Friedman, and Keri Carpenter. Children lining up to receive their presents. Photos by Godfrey Lee.

By Godfrey Lee

Big God Ministries, pastored by David Hall, gave toys to the children in Marin City on Monday, Dec. 15, on the lawn near the corner of Drake Avenue and Donahue Street.

Pastor Hall also gave a message of encouragement to the crowd, thanking Jesus for the “best year of their lives.” He asked each of the children what they wanted to be when they grew up.

Around 75 parents and children were there to receive the presents, which consisted mainly of Gideon Bibles, Cat in the Hat pillows, Barbie dolls, Tonka trucks, and Lego building sets.

A half dozen volunteers from the Big God Ministry, including Donnie Roary, helped to set up the tables for the toy giveaway. The worship music was sung by Ruby Friedman, Keri Carpenter, and Jake Monaghan, who also played the accordion.

Big God Ministries meets on Sundays at 10 a.m. at the Mill Valley Community Center, 180 Camino Alto, Mill Valley, CA Their phone number is (415) 797-2567.

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