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Same-party November battles for Calif. lawmakers

KEVIN FREKING
Associated Press

WASHINGTON (AP) — Voters can forget the traditional Republican-Democratic matchups in at least seven California congressional districts come November. Contenders for those seats will have to do battle against challengers from their own parties.

Democratic Rep. Mike Honda and Republican Rep. Tom McClintock face the most competitive challenges among the incumbents in the intraparty face-offs. Both are longtime players on California’s political scene and face their first serious re-election challenges.

California’s revamped primary system, approved by voters in 2010, allows the top two candidates regardless of political affiliation to advance to the general election. The idea is to fight polarization by making them appeal to a wider pool of voters.

The state of Washington also has a top-two primary, while Louisiana has a similar system for its general election, followed by a runoff if no candidate wins a simple majority. Other states exploring such a system include Oregon and Montana.

Whether any of it can weaken polarization is unclear. Analysts say name recognition and money are still the biggest factors in an election. The first go-around in California led to the more moderate candidate winning about half of the same-party congressional races.

Democratic Rep. Eric Swalwell has been the most notable beneficiary so far. He lost in his 2012 California primary, which in years past would have been the end of his candidacy, but placing second meant he advanced to the general election. There, he defeated a fellow Democrat, Rep. Pete Stark, who had served in the House for 40 years.

This year, Swalwell will face a Republican in the general election.

The top-two primary has led to other unexpected outcomes. Republican Rep. Gary Miller defeated a more moderate GOP challenger two years ago to win a Southern California congressional district that is heavily Democratic. The two Republicans got the top slots because so many Democrats ran in the primary that they split the vote.

Some call California’s new system the “jungle primary” to underscore the free-for-all nature of having all candidates running against each other on one ballot, regardless of party.

In California, this year’s general election will feature at least seven same-party races among the state’s 53 congressional districts. The Honda and McClintock contests have generated the most interest so far. Both men handily finished first in their June primaries, but, like Stark in 2012, they will now go again against the second-place finishers.

Honda, a seven-term Democrat, has used his position on the House Appropriations Committee to help secure federal funding for an extension of commuter rail to San Jose and bring a U.S. patent office to Silicon Valley.

The Center for Responsive Politics estimates that Honda sponsored or co-sponsored some $147.5 million worth of earmarks over a three-year period before Congress banned the practice. Earmarks refer to federal money designated for specific projects, communities and organizations.

But the ban has diminished the Appropriations Committee’s influence, and Honda’s Democratic opponent, Ro Khanna, says it will take a new way of thinking in Congress to help the region’s economy. Among his proposals: Enact national standards that require schools to teach students how to design and write computer programs and change accrediting standards so federal Pell Grants cannot go to schools where graduates struggle to get jobs.

“I really feel like I’ve dedicated my life to thinking about economic issues,” said Khanna, 37, a deputy assistant secretary at the Commerce Department during President Barack Obama’s first two years in office. “And I do think I will bring an expertise on the global economy to the United States Congress.”

But Honda, 73, said his work is not done.

“I have much more to provide in the future,” he said.

The race promises to be one of the most expensive in the country, with Khanna raising $2.6 million before the primary and Honda raising $2.1 million in a district in which Democratic voters outnumber Republicans by more than 2-to-1.

Honda has support from most of the Democratic establishment, including Obama, Sens. Barbara Boxer and Dianne Feinstein, and House Minority Leader Nancy Pelosi.

Khanna’s endorsers include former San Francisco Mayor and state Lt. Gov. Gavin Newsom as well as Silicon Valley executives including Google Chairman Eric Schmidt and Yahoo CEO Marissa Mayer.

McClintock’s challenge comes from fellow Republican Art Moore, an Iraq war veteran and major in the National Guard.

McClintock dismisses any notion he could have a tough race on his hands, but his campaign was concerned enough about Moore that it sent a mailer to Democratic primary voters to raise the name identification of a third candidate with no party affiliation.

Across the country, tea party conservatives have been challenging establishment Republicans in scores of primary races. This time, it’s the tea party incumbent, McClintock, who is getting a challenge from his left.

To win the district that stretches from Sacramento’s suburbs to the outskirts of Yosemite National Park, Moore would have to hold his own with Republicans and then pick up the majority of Democrats and independents, who make up 29 percent and 21 percent of the district respectively.

Moore says McClintock is so rigid in his conservatism that he doesn’t work to get money to get things done in the district.

“It’s being spent in other states and other districts,” he said.

McClintock counters that he would “rather restore a system where local money stays local rather than being shipped to Washington.”

Dallas Sweeney, chairman of the El Dorado County Republican Party, said the good news about the top-two primary is that a Republican will be in office regardless. While he has endorsed McClintock, he said he hears Republican complaints similar to Moore’s.

“You’ve got to be strong in your principals and core values, but you also have to work to find solutions to make our country great again,” Sweeney said.

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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