Student loans and the interest millions of America.docx
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Student loans and the interest millions of America.docx
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StudentloansandtheinterestmillionsofAmerica
StudentloansandtheinterestmillionsofAmericanspayonthemhavebeengettingalotofattentionrecently.StudentloanpaymentsandinterestareafinancialrealityformenandwomeninmanydifferentkindsofjobsacrosstheUnitedStates.
TheDepartmentofEducationsaysinterestratesforDirectSubsidizedStudentLoanswilldoubletojustundersevenpercentonJulyfirst.Fiveyearsago,Congresspassedameasurethatloweredinterestratesforthegovernmentloans.Butthelawissettoexpire.
Thepresidenthascalledforthelower,threepointfourpercentinterestrateinhisnewbudget.ButifCongressdoesnotact,newstudentborrowerswillpaymore.Otherborrowing-relatedcostswillalsogoup.TheObamaadministrationsaysthiswillcosteachstudentborroweranadditionalonethousanddollarsonaverage.
HighereducationintheUnitedStatesiscostly.TheDepartmentofEducationsaystheaverageyearlycostofattendingapubliccollegewasabouttwelvethousandeighthundreddollarsintwentyten.Thetotalforprivateschoolswasoverthirty-twothousand.
TheFederalReserveBankofNewYorkcollectsfinancialinformation.ItsaysAmericansowedeighthundredforty-fivebilliondollarsinstudentloanslastyear.Somereportssaytheamountisnownearonetrilliondollars.
Theadministrationsayssevenpointfourmillionstudentswillbeaffectedwithoutanewlaw.Thisweek,PresidentObamatraveledtoseveralcollegecampuses.AttheUniversityofNorthCarolina,hetalkedabouthisownexperience.
BARACKOBAMA:
"Wedidn'tcomefromwealthyfamilies.Sowhenwegraduatedfromcollegeandlawschool,wehadamountainofdebt.Whenwemarried,wegotpoortogether."
Supportersoflowstudentloaninterestrateshavepromisedacampaigntogetnewlegislation.Anextensionisestimatedtocostthegovernmentsixbilliondollars.MittRomney,theRepublicanParty'slikelypresidentialcandidate,supportsanextension.RepublicanleadersintheHouseofRepresentativessaytheylikethepopularprogram.Theyjustdifferonhowtopayforit.Republicanswantthemoneytocomefromthenewhealthcarereformlaw.
TheDemocraticPartyhasproposedincreasingtaxesonsomebusinesses,includingoilandgascompanies.LastTuesday,PresidentObamaputhisargumenttomusiconalate-nighttelevisionprogram.
BARACKOBAMA:
(MusicUnder)"Nowisnotthetimetomakeschoolmoreexpensiveforouryoungpeople."
JIMMYFALLON:
"Ohyeah."
Teachersandparentsusuallycallattentiontothepictureswhentheyreadstorybookstopreschoolchildren.Butanewstudysuggeststhatcallingattentiontothewordsandlettersonthepagemayleadtobetterreaders.
Thetwo-yearstudycomparedchildrenwhowerereadtothiswayinclasswithchildrenwhowerenot.Thosewhoseteachersmostoftendiscussedtheprintshowedclearlyhigherskillsinreading,spellingandunderstanding.Theseresultswerefoundoneyearandeventwoyearslater.
ShaynePiasta,anassistantprofessorofteachingandlearningatOhioStateUniversity,wasanauthorofthestudy.Shesaysmostpreschoolteacherswouldfindthismethodmanageableandwouldneedonlyasmallchangeinthewaytheyteach.Theyalreadyreadstorybooksinclass.Theonlydifferencewouldbeincreasedattentiontotheprintedtext.
Ms.Piastasaysifyougetchildrentopayattentiontolettersandwords,itmakessensethattheywilldobetteratwordrecognitionandspelling.Butshesaysresearchsuggeststhatveryfewparentsandteachersdothisinasystematicway.
ThereportappearsinthejournalChildDevelopment.
MorethanthreehundredchildrenagefourandfivewereobservedinclassroomsinOhioandVirginia.Thechildrencamefrompoorfamiliesandwerebelowaverageintheirlanguageskills.Thisputthematriskforreadingproblemslater.
Forthirtyweeks,thechildrentookpartinaprogramcalledProjectSTAR,forSitTogetherAndRead.TheprojectisbasedatOhioState.Itteststheshort-termandlong-termresultsofreadingregularlytopreschoolchildrenintheirclassrooms.
LauraJusticeatOhioStatewasaninvestigatorforthestudy.SheheadsthePreschoolLanguageandLiteracyLaboratory.Shesaysoneoftheareasthatinterestsresearchersisknownasthe"locusoflearning."
LAURAJUSTICE:
"Whereisitthatachildlearnssomething?
Whereisthatspace?
Wethinkwehaveidentifieditprettywellintermsoffosteringsomechildren'sknowledgeaboutprint."
ProfessorJusticesaysthisknowledgecanbegainedbyhavingfocuseddiscussionswhenreadingabooktoachild.
LAURAJUSTICE:
"Wethinkweunderstandhowinformationaboutprintistransmittedfromtheadulttothechild.Andwethinkwehavecenteredonthisinterventionthatreallyhelpsadultscenterinonthethingsthatchildrenneedandwanttolearn."
Therearedifferentwaysthatadultscantalktochildrenaboutprint.Theycanpointtoaletteranddiscussit,andeventracetheshapewithafinger.Theycanpointoutaword:
"Thisis'dog.'"Theycandiscussthemeaningoftheprintorhowthewordstellthestory.Andtheycantalkabouttheorganizationoftheprint--forinstance,showinghowwordsarewrittenlefttorightinEnglish.
Programsthatteachyoungpeoplehowtoavoidabusiverelationshipsaregenerallyforhighschoolorcollegeage.Butnewprogramsarebeingcreatedforyoungerstudentsbecausetheytooexperienceabusivedatingrelationships.
EarlierthisyeartheRobertWoodJohnsonFoundationreleasedastudydoneintheUnitedStates.Fifteenpercentofseventhgradersinthestudysaidtheyhadbeenthevictimofphysicalviolenceinarelationshipwiththeoppositesex.Seventhgradersareabouttwelveyearsold.
AmiddleschoolinSeattle,Washington
KellyMiller,alawyerinthestateofIdaho,directsaprogramcalledStartStrongIdaho.Itstartedthreeandahalfyearsago.Thegoalistohelpeleven-tofourteen-year-oldslearntheskillstohavehealthyandsaferelationships.Forexample,sheteachesthemto"waitasecondandbreathe"beforetheymakeadecision.
Ms.Millersaysabigproblemforyoungpeopleisthattelevisionprograms,videogamesandmoviesoftenshowviolentrelationships.MobilephonesandtheInternetcanalsocreateproblems.
KELLYMILLER:
"Nowyoungpeoplehaveaccesstooneanother24/7,whichIthinkreallycancomplicatelivesofyoungpeoplethatdon'thavetheskillsorboundariesorthatabilitytosay,'NoIcan'ttextyouattwointhemorning'or'No,IreallyneedtogettosleepbyelevenbecauseI'vegotatesttomorrowmorning."
KellyMillersaysyoungpeopleneedadultstoteachthemwhatitmeanstohaveahealthyrelationship.SeveralAmericancitieshavereceivedmoneyfromtheCDC,thefederalCentersforDiseaseControlandPrevention,forprogramstopreventabusiverelationships.
AprivateorganizationcalledMenCanStopRapehasgroupsforboysbetweentheagesoftwelveandfourteen.TheseMenofStrength,orMOST,groupsteachboysthatbeingastrongmanisnotalwaysaboutphysicalstrength.
Theylearnthatiftheyrespectthemselvesandothers,theywillbemenofstrength.Theyarealsotaughtthattheycanbealliesofgirlsandwomen.ACDCstudyshowedthatboysinthesegroupsaremorelikelyhelpayoungwomanwhoisbeingmistreatedbyanotherboy.
InIdaho,thestatedoesaYouthRiskBehaviorSurveyeachyear.Ms.Millersaysthenumberofhighschoolstudentswhosaytheyhavebeenphysicallyhurtbyadatingpartnerhasdroppedbysixpercentagepointsinthepastsixyears.
KELLYMILLER:
"Sowe'rehopefulifwecontinuethisworkinreallypromotinghealthyteenrelationshipsandteachingthoseskills,thatwecancontinuetoimpacttheYouthRiskBehaviorSurveyquestion."
Nextweek,welookatsomeoftheskillsneededtobuildhealthyrelationships.
MARIORITTER:
WelcometotheVOASpecialEnglishprogramEXPLORATIONS.I'mMarioRitter.TheInternationalAIDSConferenceistheworld'stopeventforpeopleworkingontheissueofHIV,forthoselivingwithHIV,andforthoseaffectedbyit.Theconferenceisheldeverytwoyears.Butthisyear'seventisspecial.ItisthefirsttimetheUnitedStateshasheldtheInternationalAIDSConferenceintwenty-twoyears.
TheInternationalAIDSSocietyorganizestheconference,alsocalledAIDS2012.ItdecidedtoholdtheconferenceinAmericaafterPresidentObamaendedabanbarringHIVinfectedpeoplefromenteringthecountry.ThebanendedonJanuaryfourthtwentyten.
Thisweekweexploretheopeningofthishistoricconference.FaithLapidusandChristopherCruisetellusmore.
AvisitorpassesanexhibitionattheInternationalAIDS2012ConferenceinWashingtonJuly23,2012.
FAITHLAPIDUS:
SanFranciscoAIDSexpertDr.DianeHavlirisco-chairofAIDS2012.EarlierinJuly,shetoldreportersinWashingtonthatthisyear'seventwashistoric.
DIANEHAVLIR:
"Butprobablythemostimportantreasonwhywethinkthisisgoingtobeahistoriceventisbecausewereallydothinkweareataturningpointofthisepidemic.Forthefirsttimeever,andI'vebeenworkinginthisfieldsincetheverybeginning,wefeellikewecandeclarethatweareatthebeginningoftheendoftheAIDSepidemic."
Shesaiditwouldbeanextraordinaryfailureofglobalwillandconscienceiffinancialcutsblockedthatchance.
CHRISTOPHERCRUISE:
TheUnitedNationssaysthirty-fourmillionpeoplelivedwithHIV/AIDSintwenty-eleven.Anditsaysonepointsevenmilliondiedfromthedisease.
Thisyear'sconferenceiscalled"TurningtheTideTogether."Morethantwentythousandpeopleareexpectedtoattend.FamousguestsincludeformerUnitedStatesPresidentBillClinton,formerfirstladyLauraBush,singerEltonJohnand
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