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Judge takes case under advisement

NICHOLAS K. GERANIOS
Associated Press

COEUR D’ALENE, Idaho (AP) — Lawyers for the federal government on Thursday asked a U.S. District Court judge to throw out a lawsuit filed against President Barack Obama and top security officials over the National Security Administration’s mass surveillance of phone records.

Judge B. Lynn Winmill heard arguments from both sides on the motion to dismiss the case, then took it under advisement and said he would rule at a later date.

Lawyers for plaintiff Anna Smith contend the Coeur d’Alene nurse’s constitutional rights under the First and Fourth amendments were violated and that the lawsuit should proceed.

“Can you gather information from nearly every single American without them knowing about it?” wondered attorney Peter Smith, who is the plaintiff’s husband. “The government is collecting data on over 99 percent of Americans.”

But a lawyer for the Justice Department said the mass collection of telephone records was legal. The records include the number that placed a call, the number called and how long the call lasted, the government has said.

“There is no reasonable expectation of privacy in the telephone numbers a person has dialed,” said Marcia Berman, a Justice Department lawyer from Washington, D.C.

Previous cases before the U.S. Supreme Court have established that collecting telephone numbers did not violate the Fourth Amendment prohibition against unreasonable searches and seizures, Berman said.

“I fear there is no expectation of privacy unless you live under a Cone of Silence on a desert island,” the judge remarked.

Berman said Anna Smith cannot prove that any data gathered by the NSA that involved her telephone calls was ever examined.

But Peter Smith said data was being collected and stored and could be examined at any time. “You can paint a great, detailed picture of an individual citizen based on this data,” he said.

The lawsuit was filed last year, and it contends the once-secret surveillance program exceeds the authority of the federal government.

Anna Smith said in the lawsuit that she used Verizon cellphone service for at least three years and before that was a customer of AT&T cellphone service for four years. She said that based on the government’s surveillance of Verizon Business Network Services telephone records, she believes that Verizon Wireless and AT&T records were also collected by the NSA, including her personal cellphone data.

“The government now possesses information about Plaintiff Anna Smith, including but not limited to her associations and public movements, revealing a wealth of detail about her familial, political, professional, religious, and intimate associations,” her lawsuit said.

Anna Smith has said she used her cellphone to communicate with her doctor, her employer, family members and her children’s teachers. None of the calls were related to international terrorism or clandestine intelligence activities, and they were collected simply because they occurred, Smith contended.

She wants the court to declare the mass call tracking unconstitutional and to order the government to stop. She also wants the government to destroy any of her telephone records they possess and to pay for her court fees and costs.

The American Civil Liberties Union and others have also filed lawsuits over the telephone-records collection program. The Obama administration has said the collection of the telephone records is necessary to protect Americans from terrorism.

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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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