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Two key senators stretch facts when making their case

Valentine’s Day may be next week, but two high-profile senators aren’t showing any love for the truth.

Majority Leader Harry Reid, D-Nev., argued the military is going to have to make some spending cuts because lawmakers have already made trillions in cuts from non-defense programs.

“The American people need to understand that it’s not as if we’ve done nothing for the debt.  $2.6 trillion, $2.6 trillion already we’ve made in cuts. And all those cuts have come from non-defense programs,” Reid said on ABC’s “This Week.”

But those facts don’t match what his party leader said.

President Barack Obama said the government has taken action to reduce the deficit by about $2.5 trillion – but listed only $1.4 trillion of that as actual spending cuts. The rest of the money – the part Reid failed to mention – has been taken from tax increases, including in part increased taxes on wealthy Americans, which Republicans vigorously opposed.

And despite Reid’s statement, the cuts have already targeted the Pentagon.  In fact, the White House unveiled plans to trim the Defense Department’s budget by $330 billion over the next ten years – a number that was included in the president’s $2.5 trillion plan of spending cuts and tax hikes.

Across the political aisle from Reid, Kentucky’s Republican Sen. Rand Paul told the conservative think-tank the Heritage Foundation that the U.S. should be prepared for a long haul in the fight against radical Islam.  And Paul said he wasn’t the only senator that was feeling that way.

“When candidate John McCain argued in 2007 that we should remain in Iraq for 100 years, I blanched and wondered what the unintended consequences of prolonged occupation would be,” Paul said.  “But McCain’s call for a 100-year occupation does capture some truth: that the West is in for a long, irregular confrontation not with terrorism, which is simply a tactic, but with Radical Islam.”

But Paul’s fellow Republican senator has been opposed to any long-term occupation in Iraq.  What McCain, a Vietnam vet and former POW, actually said was that the U.S. should be prepared to engage in many parts of the world and offer assistance to countries combating terrorism – so long as American troops aren’t in harms way.

“That’d be fine with me as long as Americans are not being injured or harmed or wounded or killed. Then it’s fine with me, I hope it would be fine with you if we maintain a presence in a very volatile part of the world where Al Qaeda is training, recruiting, equipping and motivating people every single day,” McCain said, answering a question during a rally for his presidential bid – the quote Paul was referring to.

And note McCain’s use of the word “presence,” a far different meaning than the “occupation” Paul mentions.

Appearing on PBS’s “Charlie Rose” show, Rose asked if American citizens could expect to see a 20 or 25 year troop presence in Iraq.  McCain said no.

“I can see an American presence for a while. But eventually I think because of the nature of the society in Iraq and the religious aspects of it that America eventually withdraws,” McCain replied.

So the veteran senator’s opinions are a far cry from the century of occupation that Paul described.  And the $2.5 trillion in spending cuts that Reid claimed missed its factual mark too.

That why Reid and Paul win the Whopper of the Week, a Washington Guardian distinction awarded to examples of misstatements, misrepresentations and miscues from politicians.

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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