Friday, July 14, 2023

Too many kids are absent in school - DUH!

People love built-in excuses. The most popular one used now is COVID-19. Everything can be blamed on the pandemic and the lockdowns. I am not denying the problem it has caused but when it comes education all these problems existed prior to the pandemic, and they were at a critical stage then too. 

I just read the following on-line article Too many kids are chronically absent. How can schools bring them back? https://www.yahoo.com/news/too-many-kids-are-chronically-absent-how-can-schools-bring-them-back-153547903.html. It’s interesting to read this in this article and find there are NO CONSQUENCES for being absent. Geez, just like the rising level of crime we have today. There is a correlation. No one accountable and everyone has an excuse. 

I spent 10+ years in the educational field in grades K-18. I also spent many years 10+ in corporate training where we constantly had to teach basic math classes and reading classes prior to the “Real” training that we needed to implement the latest processes and systems. Most were high school graduates but 20% were college graduates.

In 2016, the Michigan Legislature passed a law that requires schools to identify learners who are struggling with reading and writing and to provide additional help. The consequence for not being at 3rd grade reading level was retention. 

In theory this was a good law to identify student early on if they were behind because it would only het worse as they moved to higher grades.

In 2021 a report released by researchers at Michigan State University found that Michigan schools planned to retain just 229 Michigan third graders out of 3,477 students who scored poorly on the reading portion of the state’s standardized test, the M-STEP. Like most laws there were wide exceptions to the rules with little or no enforcement if a parent were to challenge the findings.

In 2023 the law is now up for vote to repeal because it is considered to be punitive, inequitable and ineffective. https://detroit.chalkbeat.org/2023/3/7/23629746/michigan-third-grade-retention-reading-repeal-gov-gretchen-whitmer-house. Aha, here is another excuse that is now used for everything “INEQUITABLE.”

The number one solution for years has been to throw more money at the problem. This has proven to be ineffective in most instances. Other failed solutions are the many standardized State-run tests (Every 3-5 years they change) that require teachers to teach to inept guidelines for passing as opposed to testing situationally for each struggling student.

The amount of money like most government run program never reaches down to the level it was intended to reach to correct the problem. The classroom must have qualified teachers and in-classroom support so that each student can be identified and helped. We do it now for all Special Education students (The numbers and categories have increased beyond control over the past 20 years.). Education like most government run programs are top heavy in administrative personnel who sit back and make rules and then create armies of assessors to tell you that schools are filing. All the money is spent at the end instead of upfront where it belongs.

Another huge problem is summer school. Years ago, there would be a teacher in the classroom giving individual and group support to students who needed help to catch-up. For the past 20 years you may get a teacher/adult who sits at the front of the room while students sit at a computer using grade level learning lessons (many are home and don’t have to come to the building - guess what? Many parents are finishing the lessons). Don't worry all you have to do is finish the lesson. You won't be held back). Oh yes, much like the learning that took place during the pandemic. And we wonder WHY we are in the mess we are in now.

Look basic educational fundamentals must have face to face instruction. It’s the same in athletics, arts and just about everything in life.

Thursday, July 13, 2023

Student Debt - Biden Student Debt Plan CANCELLED! - Updated 07/13/23 - Here we go again

I'm really tired of this subject and the continuous push to remove student debt. I have blogged/ written about this subject for over 10 years. 

http://qualityg.blogspot.com/search?q=student+debt

I also put a search in on Yahoo and the following hits came up covering a wide range of subjects except ONE (The Cause)!!

https://search.yahoo.com/search?p=student+debt&fr=yfp-t&fr2=p%3Afp%2Cm%3Asb&ei=UTF-8&fp=1

The root cause is the continuous increase in college costs and there is no end in sight. College costs outpaced inflation by 28 percent at public institutions and 19 percent at private nonprofit ones in the decade preceding the pandemic, according to the National Center for Education Statistics. You want student debt to stop then force colleges to stop increasing tuition without some oversight and make a guarantee that if one does not get a job that will pay off student loans within a stated timeframe, then the college must pay it off as a means of a contract. 

The cost of college over time has risen dramatically. Since 1980, the price has increased 175%, according to data from the National Center for Education Statistics.

Solution - Each college should pay off the student debt of their past students who are still paying debt after 10 years. It's not the taxpayer's responsibility for their greed. Each State should withhold monetary aid from universities that continue to raise tuition with excess endowment dollars.

Ask these two questions or research on your own - What colleges lowered tuition and or housing costs during the pandemic? And, why has not the Biden administration cancelled the Student Aid Program if it is so bad?

Nothing makes me happier than to see manufacturing and tech jobs coming back that do not require a college degree. I am also ecstatic over the fact that many high schools and community colleges are bring back technical vocational programs.

Updated 6/23/22

I am so tired of Senator Warren and her Student Debt forgiveness rants about paying off debt for student loans. 

Massachusetts Sen. Elizabeth Warren believes policy is to blame for the $1.7 trillion student debt crisis.

  • Sen. Elizabeth Warren said the student debt crisis was caused by "deliberate policy decision." She wants $50,000 in debt relief for each student with Federal Loans.
  • Even before Warren became a lawmaker, she was looking into the student-loan industry as she helped establish the Consumer Financial Protection Bureau, and as a senator, she worked with the agency to uncover abuses by student-loan companies that pushed borrowers into taking on more debt than they could afford to pay off. 
Warren does make a good point about student-loan companies and abuses. SO, go after them to pay off the student loan debt and I will applaud your determination. My two children had student debt; I refinanced my home twice to help them through college (Master's Degrees). I'm not complaining it was my choice and my responsibility. 

She says Americans want the debt erased. If that is so put it on the ballot and let Americans vote. She will get as many votes as she does when she runs for President in the primaries. Better yet, why don't the good people of Massachusetts pay off the debt.

Updated 6/24/22


Pay off my home mortgage or buy me an electrical vehicle and I will vote for you in 2022, 2023, 2024 and Infinity...

Updated 7/18/22

Time is running out. If President Biden does not act by the end of August those people with student loans will have to start paying their monthly loans again after two years of not paying.

SO far over 25 billion dollars in student loans have been forgiven. I'm still waiting for my home mortgage loan and car loan to be forgiven.
Updated 8/16/22

Here we go again. This time anyone (200,000) who attended ITT will have all their loans forgiven totaling 3.9 billion Dollars. That's a lot of votes.

https://www.yahoo.com/finance/news/president-biden-forgives-nearly-4-200000606.html

So, are the people who ran this institution paying any money back? Are they in jail? Who are they?

Updated 8/24/22

So, how many votes are the young people going to give you in November? Guess how many people who paid their loans back the correct way will vote for you. Guess how many people will vote for you who did not go to college.

Where is all the money going to come from to pay for this insane decision? This will wipe out any gains from the so-called Inflation Reduction Act (IRA). This will add to inflation in a very subtle long-term way that we will be paying for a long time.
So, when do all these colleges with Billion and Million dollars in "Endowment" money chip in to pay for the debt? When will they lower tuition (Not just charge more)? Colleges have no accountability for the product they produce.

I thought it was Congress job to pass this type of law. Give those who have a student loan an Earned Income Tax Credit so they will get something back each year on their interest paid. This will help them and not affect the rest of us.

Updated 9/26/22

The Biden administration's plan to cancel up to $20,000 in federal student loan debt for millions of Americans will cost the U.S. about $400 billion over a decade, according to the Congressional Budget Office (CBO) a nonpartisan agency that conducts economic analyses of government policies. 

https://www.cbsnews.com/news/student-debt-relief-will-cost-400-billion-over-a-decade-cbo/

Updated 10/18/22 and 10/22/22

Biden’s Department of Education released its loan-forgiveness application a few days ago, which is incredibly simple. Applicants must state their annual income to determine eligibility, and most will not be required to verify their income with tax returns or other supporting documents. Biden’s distribution plan lacks adequate protections against fraud. People who make $129,000 a year may falsely claim they make less than $125,000 to receive $10,000 in debt relief.

This disaster will rate right up there with the Covid Pandemic unemployment insurance fraud that costs taxpayers Billions of dollars.

10/22 - A federal appeals court has temporarily blocked the Biden administration from moving forward with its student debt relief program aiming to forgive billions of dollars in federal student loans.

The court action comes as six states argue that President Joe Biden has no grounds to cancel debt for millions of borrowers. 


Updated 12/12/22

President Joe Biden's student debt forgiveness plan has been blocked. Hooray! A Federal district court in Texas issued a ruling calling the plan "unconstitutional," which the Department of Justice has already appealed on Biden's behalf. 


Updated 06/30/23

The US Supreme Court shot down the Biden administration’s controversial plan to forgive billions of dollars in federally backed student loan debthttps://finance.yahoo.com/news/supreme-court-strikes-down-bidens-plan-to-forgive-student-loan-debt-154017599.html

Even the Senate and the House passed a bill in June 2023 to block President Joe Biden’s student loan forgiveness programhttps://www.cnn.com/2023/06/01/politics/student-loan-forgiveness-biden-senate-vote/index.html

The President will now try numerous end-runs to still get this program passed and pass the half-trillion dollars it will cost to taxpayers. This is wrong and illegal (Only Congress has the power to provide these kind of funds). He only wants to buy votes from a particular voting bloc.


Side Note - 

A 28-year-old graphic designer who graduated from Arizona State University with $33,000 in student-loan debt, told The Washington Post that though she consistently made payments toward her loans, it was still difficult to make a dent in the balance.

"Now that the Supreme Court has rejected the student-loan forgiveness, I have no hope," she told The Post.

I’m sorry you have not learned howe to pay back a loan and I’m sorry Arizona State did not provide you with an education that would afford you the opportunity to pay your loan. Have you blamed them. What about the bank or institution that provided you the loans, have you blamed them? What about yourself?

I have three degrees and numerous certifications. The GI Bill paid for much of my education and then the company I worked for paid 75 percent of my education as long as I maintained a “C” average. My children have student loans and are paying them back with sacrificing other things in their lives. I’m sorry, but it is their responsibility to pay their loans, just as it is yours.

Updated 07/13/23 - Here we go again.

https://finance.yahoo.com/news/800-000-student-borrowers-39-124129466.html

800,000 student borrowers to get $39 billion in debt forgiveness. Please read the comments following the on-line article. Here are a couple examples:

  • There is no debt forgiveness, it’s just being transferred from those who borrowed and gained from it, to the taxpayers at large.
  • Buying votes, with our money.
  • Please send 48K for me to apply to my mortgage, since I already paid my student loans.

This is unbelievable. It's about buying votes for a broken system. Again, where are the schools and colleges held accountable. Why are they allowed to just keep raising prices? Because people will pay, and financial institutions will keep lending money. The cycle continues because there are votes to gather in 2024.