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Marc Korman: Why You Should Vote For Me

District 16 House of Delegates candidate Marc Korman (file photo)We asked local candidates in contested primary elections to write a sub-750 word essay describing why residents should vote for them on June 24.

Next is Marc Korman, running for one of three District 16 House of Delegates seats in the Democratic primary. Below is Korman’s unedited response:

My name is Marc Korman and I am running to represent District 16 in the Maryland House of Delegates. For the past year, I have been speaking with voters throughout District 16 asking what important issues are on their minds. I am commonly asked “why are you running for Delegate?” I am running because I believe the most important issue facing District 16, Montgomery County, Maryland, and the country is all the same: sustainable economic prosperity. Our state leaders are well positioned to help our community achieve that success.

In our area, prosperity will be built upon continued excellence in public education, effective public transport, and environmental sustainability. If we are able to take important steps to increase the school construction budget; improve Metro; and reduce our dependence on fossil fuels, we will be well positioned for the future. This will enable future generations, including my two-and-a-half year-old son, Harrison, to enjoy the same opportunities that I did growing up in Montgomery County.

As a product of Montgomery County Public Schools, I understand the importance of keeping our schools among the best in the nation. Education is our brand. It is why many of us or our families decided to move here. Businesses that locate here frequently cite the school system as a primary reason. But we must fight for the funding and support our schools need to meet new challenges.  The school system is growing by over 2,000 students a year and our local schools are overcrowded. In the BCC, Whitman, and Walter Johnson Clusters, a majority of schools are over capacity. The state’s formulas for allocating school construction dollars do not account for school system size or rate of growth, and this must change. Meanwhile, the demographics of the system as a whole are shifting dramatically. One-third of our students, approximately 50,000, are on free and reduced meals (an indicator of poverty). Approximately 25 percent of the elementary schoolers are in English as a second language. That diversity will serve us well over time, but in the short run it creates a resources challenge we must meet.

Transportation is a major quality of life and economic issue in our area. Studies consistently rate our region’s traffic as the worst in the nation. As we grow, this situation will only worsen unless action is taken.  There is much to be done to curb traffic but Metro is particularly crucial to our transportation network, even for non-riders. Over 30,000 individuals board Metro at District 16 stations each day, with far more using the buses and Metro Access. If unreliability or cost increases lead these transit users to abandon the system, gridlock on the roads will only increase. Additionally, our region’s focus on transit-orientated development (as seen in places like Bethesda and, soon, White Flint), requires that Metro be effective. That’s why I want to increase oversight of the $300 million a year Maryland sends Metro, improve stations through local community partnerships, and establish a dedicated funding source for Metro. No other transit system of comparable size in the country survives on fares and contributions from surrounding jurisdictions alone.

Finally, our economic success must be sustainable as we ensure that the world we pass on to our children and grandchildren is healthy. Maryland has extremely ambitious renewable energy goals. I have been endorsed by the Sierra Club because I know that we need a solutions-based agenda to actually meet these goals. We must facilitate the ability of renewable projects to connect to the electric grid and promote technology that requires utilities to purchase green stored energy so that we protect the environment for future generations.

It is this desire to ensure that the community my son grows up in allows him to thrive, that motivates me. I have served our community my entire life. That involvement started well before this election, and it will not end with it. My work includes serving on the Board of Directors of the Bethesda Urban Partnership (“BUP”), the non-profit organization that markets and manages downtown Bethesda. I chaired the Western Montgomery County Citizens Advisory Board, which advises the County Council and County Executive on local issues. Since 2007, I have served as District 16′s elected member to the Montgomery County Democratic Central Committee (the governing board of the local Democratic Party), giving me an opportunity to ensure that our area has the best, most active group of Democratic volunteers in Maryland.

You can learn more about my campaign and me at www.marckorman.com.

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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