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Obama: GOP captured by rigid ideology of ‘no’

NEW YORK (AP) — Rousing Democrats for their fight to keep the Senate, President Barack Obama mounted a searing critique of the Republican Party on Wednesday, accusing his political foes of thwarting progress on everything from wages to scientific research and climate change.

In what’s become an election-year routine for the president, Obama took the mic at an opulent Manhattan apartment and urged Democrats not to let their party’s tendency to neglect midterm elections hand Republicans a chance to capture the Senate. Such a turn of events would essentially halt his agenda for his final two years in office.

“We have a party on the other side that has been captured by an ideology that says ‘no’ to everything,” Obama said, “because they claim to a rigid theory that the only way to grow the economy is for the government to be dismantled.”

In the past, such a bleak description of the Grand Old Party might have been an exaggeration, Obama said, but not anymore. Extending his critique to the Republican approach to winning elections, he charged that the GOP’s “main election strategy is preventing people from voting” — a nod to voter ID laws and other restrictions that Democrats have opposed.

Obama’s pep talk also included a healthy dose of tough love. He said his own party suffers from a “congenital disease” in which its supporters get revved up during presidential years, then fail to show up at the polls for midterm elections, hamstringing the party’s prospects in Congress.

“We have to break that cycle,” Obama told Democratic donors who packed the Upper East Side apartment belonging to Blair Effron. The investment banker and his wife hosted Obama, Senate Majority Leader Harry Reid and a few dozen donors who paid $32,400 for the chance to see the president in person.

The sharp political talk from the president at a pair of Democratic fundraisers came at the halfway point of a two-day jaunt to New York that is bookended by official events — standard fare for Obama, who has visited New York a half-dozen times since winning re-election and headlined fundraisers for Democratic during almost every trip.

Obama started his day with a visit to Tarrytown, just north of New York City, where the rundown Tappan Zee Bridge served as the backdrop for a presidential pitch to Congress to spend more money on the nation’s crumbling roads, hole-ridden bridges and outdated ports — or prepare to lose business and jobs to other countries.

“We’ve got ports that aren’t ready for the next generation of cargo ships,” Obama said, standing before cranes that are helping to build a replacement for the 58-year-old, 3-mile-long Tappan Zee. “We’ve got more than 100,000 bridges that are old enough to qualify for Medicare.”

Obama used the major Hudson River crossing point north of New York and its $3.9 billion replacement project to illustrate a fast-track system he initiated that he said cut the permitting time from five years to 1 1/2 years. Without congressional action, he warned, the Highway Trust Fund that pays for transportation projects will soon run dry.

Republicans cried hypocrisy, blasting Obama for claiming credit for the expedited process while his administration has yet to decide the fate of the proposed Keystone XL pipeline. The GOP is using that up-in-the-air project to bash Democrats ahead of the November elections.

Even as Obama and Republicans sought to bolster their case for the midterms, a whiff of the next key election permeated the air as Obama was introduced in Tarrytown by New York Gov. Andrew Cuomo, who is high on Democrats’ list of potential candidates in 2016.

“We don’t need a ‘can’t do’ spirit. We need a ‘can do’ spirit. That’s what Gov. Cuomo has,” Obama said, praising the Democrat who could potentially compete against Obama’s vice president or his former secretary of state for the Democratic presidential nomination.

Obama, who was traveling with first lady Michelle Obama, was to spend the night in New York before attending the dedication ceremony Thursday morning for the National September 11 Memorial & Museum at the World Trade Center.

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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