In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review July 9, 2010 / 27 Tamuz 5770

Expand Educational Opportunity, Don't Restrict It

By Linda Chavez

http://www.JewishWorldReview.com | Remember the Obama administration's promise to make higher education more accessible by expanding Pell grants and student loans to more students through the $787 billion stimulus? Apparently, the administration is having second thoughts — at least when it comes to allowing students to pick their own schools.

New regulations being contemplated by the Education Department would place new restrictions on loans going to students who want to use them at for-profit schools. The administration's claim is that for-profit schools exploit low-income — often minority — students by promising them high-paying careers, on which they can't deliver, and saddling them with debt. But is that really the issue?

For-profit schools occupy an important niche in our higher-education system. They provide training in everything from traditional academic fields to information technology, health care, criminal justice, and automotive repair. According to recent estimates, enrollment at for-profit career schools has increased 20 percent during the recession, as many workers, young and older, realize that they don't have the skills to compete in an increasingly technical and demanding labor force. And with many states cutting back on community college budgets, for-profit schools are sometimes the only alternative to get the training students want and need.

Tuition at for-profit schools averages about $14,000 a year, according to the College Board — not cheap, but midway between the range in average college tuition between private colleges ($26,273) and public ($7,020). But the difference is that many for-profit career colleges require only a one- or two-year commitment to provide practical job skills, not four. But like all educational institutions, for-profit schools can't guarantee success. It's up to the students to stick with the program, learn the skills, and be diligent in pursuing jobs after they've earned their degrees.

But the Education Department is now contemplating regulation changes that would make it more difficult for students to use federal loans to attend for-profit institutions. The new rules would limit the amount of money a student could use to repay loans to 8 percent of income — but the way the government will calculate income is a problem. Income will be defined in a debt-to-earnings ratio dependent not on the individual's actual income but on the Bureau of Labor Statistics job code associated with the student's diploma or degree at the 25th percentile of wages in that field. But this formula assumes that after graduating, the person will remain at the lowest quartile of earnings throughout his or her working lifetime instead of assuming wages will rise over time. Under the proposed regulations, students would be ineligible to use federal loans for programs that cost more than the artificial debt-to-earnings ratio dictates.

It seems like the folks in charge of writing the regulations are prejudiced toward for-profit schools. These institutions already meet accreditation rules and must disclose graduation rates and other information to ensure that they are legitimate educational institutions, not mere moneymaking scams.

Schools that advertise on TV and radio and provide education to working-class adults are anathema to the education community elite — who not only didn't attend such schools but don't know anyone who did. But I've seen firsthand the important role for-profit schools play in providing opportunity. One of my sons earned his Microsoft certifications in a for-profit school and has gone on to a very successful, steadily advancing career in IT in the 10 years since.

The idea that everyone must attend a four-year college in order to succeed is nonsense. Education is important — and improving skills to compete in a more demanding work environment often makes the difference between those who keep their jobs in a recession and those who don't. But it shouldn't be the federal government's job to decide which school a student chooses. The for-profit market is growing because there is an increased demand for the kind of education it provides. Shouldn't the Education Department devote its resources to expanding opportunities for Americans to receive schooling, not restricting them?

Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

JWR contributor Linda Chavez is President of the Center for Equal Opportunity. Her latest book is "Betrayal: How Union Bosses Shake Down Their Members and Corrupt American Politics". (Click HERE to purchase. Sales help fund JWR.)

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