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Rick Kessler: Why You Should Vote For Me

D-18 Delegate candidate Rick Kessler, via Rick KesslerWe 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 up, we head back to District 18, where Rick Kessler is running for one of three House of Delegates seats in the Democratic primary. Below is Kessler’s unedited response:

I’m running for Delegate because Annapolis ignores our progressive values and treats Montgomery County like an ATM. We need leaders who will fight for us — leaders who will fight for our schools, our working families and our values. As a District 18 resident, I think we can do better and I’m proud to have been endorsed by our former Delegate, John Hurson, who called me “a fighter for Montgomery County and a strong leader for the District 18.”

I moved to our Silver Spring neighborhood 17 years ago with my wife Cindy and our soon-to-arrive son Matty, who now attends Montgomery Blair High School. Our home has been the center of support for progressive political candidates and causes, such as the successful effort to ensure that Marriage Equality and the DREAM Act were defended at the ballot box. We are members of Temple Shalom in Chevy Chase and are active in the Temple’s social justice programs. I’ve been an active member of the community, serving as a Democratic precinct official, the Vice Chair of the District 18 Democratic Caucus, and as a member of the Wheaton Urban District Advisory Committee helping guide Wheaton’s redevelopment while preserving its unique, multi-cultural character.

If elected, I will leverage the economic and intellectual firepower of our county and make sure that your voice is heard, your needs are met and our shared values set the agenda in Annapolis.

I’ll fight for school construction funding for Montgomery County because, of the County’s 27 top-priority school construction projects, 10 of them serve District 18. It is unfathomable that during this past legislative session Montgomery County was denied school construction funds, while at the same time Annapolis was giving millions of our tax dollars to private schools throughout the state for construction and upgrades. Our children deserve to be educated in safe, modern buildings, not go to school in “portable” trailers.

I’ll fight for an immediate minimum wage increase to $10.10 because our hard-working neighbors should not have to wait until 2018 while legislators get a pay raise next year. And, I will refuse any pay raise until working families get their raise!

Professionally, I have been engaged in national politics and policy-making for over 25 years. In the early part of my career I held positions with the late Senator Frank Lautenberg, former Congressman Bill Hughes, Congressman Frank Pallone, and Princeton University. I was recruited to return to the Hill to work for the House Energy and Commerce Committee where I helped draft and worked to pass legislation to create green energy alternative opportunities; crack down on big corporations that pollute; keep toxics out of our consumer products, our environment and our bodies; and fought to protect electricity ratepayers.

Later, I served as Chief of Staff to the Dean of the US House of Representatives, Congressman John D. Dingell (D-MI). Today I’m in the private sector as a government relations executive. I also spend a significant amount of time on pro bono projects, testifying on Capitol Hill as an energy and environment expert at legislative hearings, particularly in my voluntary role as President of the Pipeline Safety Trust, a national non-profit organization that protects people and the environment from unsafe gas, oil and hazardous liquid pipelines. I’ll fight to repeal regressive taxes on necessities like the sales tax on kids clothing and, instead, make out-of-state corporations pay their fair share.

I’ll always fight for a Woman’s Right to Choose and to obtain birth control from her pharmacist, because Maryland should be a state that guarantees a woman’s access to birth control. That’s why Maryland NARAL gave me their 100% Pro-Choice rating.

I will fight to expand safe, accessible and affordable child care for all of our families.

And, I’ll use my 20 years of legislative experience working on energy and environmental issues to fight the naysayers, address climate change and expand the use of solar and offshore wind energy and encourage investment in public transit. I’m proud to be endorsed by the Maryland League of Conservation Voters, because they know that I’ll be a real leader for the environment.

My promise to you is that if I am elected to serve as your Delegate I will get up early every single morning and work hard every single day for all the people of District 18.

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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