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Maine fines national anti-gay marriage group

By WTOP Staff

ALANNA DURKIN
Associated Press

AUGUSTA, Maine (AP) — Maine’s ethics panel fined a national anti-gay marriage group more than $50,000 on Wednesday and ordered it to reveal the donors who backed its efforts to repeal the state’s gay marriage law.

The Maine Commission on Governmental Ethics and Election Practices found that the National Organization for Marriage violated campaign finance laws by failing to properly register as a ballot question committee and file financial reports in the 2009 referendum that struck down gay marriage. Same-sex unions were legalized by voters in 2012.

The commission also ruled that the organization must file a campaign finance report, which would force it to disclose the names of its donors. The National Organization for Marriage has fought for years to keep its donor list secret, saying doing so would put its contributors at risk for harassment and intimidation.

A lawyer for the organization vowed to appeal the ethic commission’s decision in state court, and members of the panel said they expect litigation to continue for at least a year.

Under Maine law, groups must register if they raise or spend more than $5,000 to influence a statewide ballot question.

The National Organization for Marriage gave nearly $2 million to Stand for Marriage Maine for the 2009 referendum, or more than 60 percent of the political action committee’s expenditures, ethics investigators said in a report released earlier this month.

Investigators found that the national group “intentionally set up its fundraising strategy to avoid disclosure laws” by not allowing donors to mark that the funds were to be used to defeat same-sex marriage in Maine. Investigators say emails soliciting donations and the group’s finances clearly show that more than $5,000 was raised with the purpose of assisting the Maine campaign.

Walt McKee, chairman of the ethics panel, said not fining the group would amount to “accepting a mockery” of Maine’s disclosure laws. It’s thought to be the largest campaign finance penalty in the state’s history.

The organization argues that by not raising money specifically earmarked to influence the Maine gay marriage question, it was explicitly working to stay within the bounds of the state’s law. It says that disclosing names will chill future donations.

“We didn’t create a scheme, we tried to follow the law,” Brian Brown, president of the Washington, D.C.-based organization, told the four-member panel on Wednesday.

Brown, who served as executive director of the National Organization for Marriage in 2009, was one of three members of the committee that led the Stand for Marriage Maine PAC.

Commissioners said his dual role and the fact that the national group controlled a majority of the PAC’s funds was problematic for its argument that the funds weren’t raised to influence the Maine campaign.

The group says that it’s being targeted because of its stance on gay marriage and that groups on the other side of the issue — such as the Human Rights Campaign — followed the same guidelines.

State investigators said that its examination of the National Organization for Marriage actions was brought by a specific complaint and that the organization could have sought a similar investigation into the Human Rights Campaign.

John Eastman, a National Organization for Marriage lawyer, said that it intends to file a complaint against HRC in addition to filing an appeal.

Fred Karger, who leads the gay-rights group Rights Equal Rights and filed the complaint in 2009, praised the panel’s decision and said he’s confident that Maine would continue to fight the group in court.

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Follow Alanna Durkin on Twitter at http://www.twitter.com/aedurkin

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

By WTOP Staff
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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