Always Learn!

President Barack Obama is hoping mothers will go back to school with the use of his scholarship-for-moms program, which is providing educational funding to these women that have had to take time off to raise their families. He is hoping these moms will take advantage of the grants so that they can further their education and raise the quality of life for themselves and their children.

Mothers have busy schedules, we know, but with today’s technology, there are online degree programs some college use that allows the students to earn degrees from the convenience of their homes. This frees up the schedule a bit so that they do not have to be so worried about the time crunch. The financial aspect is also taken care of because the government grants do not have to be paid back.

If you still are not sure about going back to school, think about how getting a degree will improve your life once you are finished. Instead of working two jobs, you can enter a career where you will be more secure. You will feel more confident in yourself and your children will see that. Just think about how good it will feel to go on job interviews and go to work once you land that career you have been dreaming about.

Those who are interested in taking part in the educational grants should first complete their FAFSA form, and also decide which college they want to earn a degree through, making sure the school has the program they are interested in. There are many organizations offering scholarships aimed at mothers, so if you find you do not qualify for one grant, you can always try for another.

The College Student Relief Act (H.R. 5), recently approved in the U.S. House of Representatives, currently is awaiting approval by the Senate. The act, which proponents claim will benefit taxpayers, may not have the impact that backers claim. Essentially, H.R. 5 encourages schools via incentives to go with the government’s Direct Lending Program over the Federal Family Education Loan Program (FFELP).

This is being pushed even though the Direct Lending Program has been operating at a deficit since 1997. Currently, the Direct Lending Program only has $89 billion in student loans, but owes the government $105 billion, a shortfall of $16 billion. Opponents of H.R. 5 are concerned, as they realize that taxpayers ultimately will end up picking up the $16 billion tab.

FFELP Saves Students Thousands

The FFELP, established by Congress more than 40 years ago, allows students to choose lenders based upon such criteria as customer service, incentives such as interest rate reduction, and other factors. Private lenders, including savings and loans, credit unions and banks, provide federally secured low interest student loans for college students that include: Parent Student Loans for Undergraduate Students (PLUS), Graduate PLUS Student Loans, Federal Subsidized Stafford Student Loans, Federal Unsubsidized Stafford Student Loans, and the Federal Student Loan Consolidation Program.

Through subsidies provided by the federal government, private lenders pass on savings to students in the form of student loan incentives. These benefits form the basis of competition in the student loan industry, offering potential savings of thousands over the course of a student’s loan in order to win a borrower’s business. When private lenders compete within the context of the FFELP, students win with greater savings. For instance, NextStudent, the Phoenix-based premier education funding company, provides a 1 percent LOCKED interest rate reduction once a borrower has made 36 on-time consecutive payments, one of the most aggressive benefits in the industry.

College Student Relief Act Doubles Costs

If the College Student Relief Act becomes law, students may be adversely affected. It will cut in half the subsidies paid to FFELP lenders, effectively doubling the cost required to service these student loans. Over time this will reduce the number of FFELP lenders, and ELIMINATE competition. This will negatively affect customer service, information about financial aid, and benefits passed on to students through student loan incentives.

Many students and their parents until recently were not aware of the adverse effects of the College Student Relief Act. Some have decided to take action, and, in essence, fight for their rights to save by contacting their senators, and asking them to vote against H.R. 5. Find your senators’ contact information here: http://www.senate.gov/general/contact_information/senators_cfm.cfm. Every little bit helps to protect the integrity of quality financial aid in the United States.

NextStudent believes that getting an education is the best investment you can make, and it is dedicated to helping you pursue your education dreams by making college funding simple. Learn more about student loans and student loan consolidation at NextStudent.com.

Mothers who have always dreamed of going back to school to enter back into the career field may have an opportunity to do so, even if they can’t see how education can be afforded in today’s hard times while supporting a family. President Barack Obama has made funding available that is aimed specifically at moms who want to go back to school. He wants to keep them from living at or below the poverty level.

The funding, in the form of $10,000 scholarships, is available for American women over the age of 18. If time is your issue, then know that some college programs are online, which lets you learn from home. The funding will not be around forever so it would be best to apply while it is still available. These are government grants, so they do not have to be paid back.

Mothers have a busy life, we know. But it would be worth it to earn a college degree because the quality of life of the mom, and her children, would increase. After she graduates she will be a more desirable candidate for a career, and will be able to bring home more income to support her family. Her children will thank her for it, and will admire her for all the hard work she has been doing. Just think about the diploma you will receive, and how good it will feel in your hands. Imagine yourself trying on suits to wear for your job interviews and going back to work for the first day. All of these thoughts should be very gratifying, and they will be once they become reality as well.

Those interested in the scholarships should do their research. You will see information on the grants and find out how to apply.

School districts are required by federal law to pay for a large portion of special education programs and services.  These programs and services cannot be altered or cut in any way because it is federally mandated, unlike all other programs for the rest of the students. The short explanation is that federal law mandates it, as set forth in the Individuals with Disabilities in Education Act  [20 USC 1400 et seq.].  This law, also called IDEA, enumerates the required needs for students with disabilities.  We all agree that students with special needs must be accommodated, additional care is necessary.  However, most of us do not know the details of the funding and spending on this issue.   In addition to the IDEA federal mandate, the State of California also sets forth special education funding apportionment in its Assembly Bill 602 SELPA [AB 602].

If you read these codes on its face and believe that the state and federal government will fund the programs as set forth in the requirements, then you’re not alone.  Must of us assume that this mandated federal and state law will come from separate federal and state funds.  Most people who I asked assumed that special education is funded entirely by federal government disability funds.  It does make sense since it is a federally mandated requirement.  The state and federal statutes require schools to provide ”free and appropriate public education” for special education students.

Here is the shocking news, local school districts are responsible for this “free and appropriate public education.”  In fact, IDEA section 1400(c)(6) cites that states and local education agencies are responsible for providing the education for students with disabilities, but that the Federal Government will have a role [emphasis added] in assisting the state and local education agencies.

If you sample a school district’s budget, you will find for example [PVPUSD] it receives $5,049M from the state [AB 602] in addition to the federal IDEA grant which is approximately $2M.  However, the actual costs for the special education programs in this district total approximately $22M.  This district has reported a deficit spending for special education in the sum of $12.5M which is almost double the amount it receives in funding from the federal government and state, combined.  This school district has to find and fund $12.5M in excess of the sum provided by the government funding.

How could special education needs add up to such a colossal amount and cause such a deficit for local school districts? In the code, you will find that required programs such as one-on-one aids are mandatory for each qualifying special needs child. Transportation, specialized at-home care and a host of other services are also required under the law.

I asked the California Department of Education why local school districts are not receiving more funding for special education requirements.  I asked how the local special education funding from the state is apportioned.  Becky Robinson of the CDE Special Education Department stated that “all funds, federal or state, must be approved by the governor.”  I checked, she is right.  The Budget Act of 2008-2009 AB 1781 (chapter 268) sets forth the budget for special education as determined by the state budget and the governor.

At a time when teachers and administrative staff are being laid off en masse, it is difficult to understand why school districts are forced to spend an additional $12.5M on special education program requirements, when state budget cuts are forcing school districts to cut teachers and programs elsewhere.  $12.5M could solve all of the local budget woes and keep the teaching and administrative staff employed for the benefit of the entire school.  The answer is that special education programs are depleting the school districts’ budgets as administrators make cuts to prioritize the federally mandated programs for special education.

Another item for budget in the statute that I should mention, is the special needs education conflict and dispute resolution.  There are law firms that specialize in representing students with disabilities and negotiate the settlement for district’s alleged failure to comply with the established statutes and regulations under the federally mandated IDEA.  This means that the statutes for special education inherently set forth guidelines for legal action following administrative proceedings should a parent identify a violation of their child’s “free and appropriate public education.”

Many school districts have greatly suffered from lawsuits brought by parents who claim that their special needs child’s rights were not met under the code.  Case in point, Porter v. Board of Trustees of Manhattan Beach Unified School District et al., 307 F. 3d 1064 (9th Cir. 2002), 537 U.S. 1194, 123 S. Ct. 1303, 154 L. Ed. 2nd 1029 (2003).

In the case of Porter, the parents of a student, who had been diagnosed with autism spectrum disorder, charged that  Manhattan Beach Unified School District failed to provide their child with a “free appropriate public education.”   This lawsuit resulted in the school district paying over $6.7M to the family of the student.  In addition, as part of the settlement, control of the student’s education was transferred to a Special Master, Ivor Weiner, Ph.D., resulting in the cost of just under $1.1M to pay for the education of the student at the direction of the Special Master.

The problem is that whether or not this school district properly complied with the federally mandated programs and services for this student, the school district was forced to make cuts elsewhere to pay for this legal settlement.   Why has the federal government mandated such broad standards for special education and then leave local school districts to oversee, manage and fund these programs?

Since the subject of budgets and special education is not a topic that people are willing to discuss, reform in this regard is unlikely.  Certainly, special education programs and services are not to blame for this problem.  This problem belongs squarely on the lap of the federal government under the mandated IDEA laws.