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Liberals assessing 2016 race as Clinton weighs bid

KEN THOMAS
Associated Press

WASHINGTON (AP) — Massachusetts Sen. Elizabeth Warren told a group of young Democrats Wednesday that the political system was “rigged” by powerful lobbyists and the wealthy and made an impassioned case for reducing burdensome student loans. Vice President Joe Biden said he had been on the front lines of debates over income inequality, climate change and gay marriage.

“I’ve been at the center of most progressive battles for a long, long time,” Biden said, in a lengthy speech to Generation Progress. He heard shouts of “We love Joe,” as he exited the stage.

Hillary Rodham Clinton remains the dominant figure in Democrats’ early 2016 discussions but she is beginning to get elbowed by liberals in her party as she considers a second run for the presidency. Potential 2016 rivals like Biden, Warren and Maryland Gov. Martin O’Malley are in the middle of a summertime tour of Democratic constituencies, frequently appealing to liberal activists who want a more populist approach to the economy and question the deporting of an influx of immigrant children from Central America.

Clinton, who dominates early 2016 polls, may avoid a significant primary challenge if she runs for president. Biden has kept all options open, Warren has repeatedly denied interest, while O’Malley promotes his record in Maryland as a model in the party and is actively exploring a campaign. But the jousting shows an inteest in an alternative, and preparations in the event Clinton doesn’t run.

“Ongoing current events give her potential opponents an opportunity to position themselves in contrast to her,” said Democratic strategist Tom McMahon.

Biden, who will address the liberal Netroots Nation conference in Detroit later this week along with Warren, noted his role as a leading advocate for President Barack Obama’s agenda in a wide-ranging speech that touched upon issues like domestic violence, voting rights and the problems of corrosive politics.

Biden said he’s often referred to as “middle class Joe,” telling the students that the economic bargain of years past had been broken and needed to be restored.

“Folks in the middle, they need to be cut into the deal, not cut out,” Biden said. “The folks at the bottom need to know that they have the chance to climb the ladder.”

Biden has maintained ties to the early voting states of Iowa, New Hampshire and South Carolina and projects a blue-collar image in contrast to the former first lady’s recent stumbles over discussions of her family’s wealth.

Warren has become a hero of the party’s economic populists, railing against high student loan debt at a time when Clinton has received six-figure speaking fees on college campuses. She passes them along to her family’s foundation.

In her speech, Warren detailed “how Washington is a rigged game” and said her bill to help students refinance their college loans at lower rates had been blocked by Senate Republicans and she cast blame on Senate Republican leader Mitch McConnell, R-Ky.

“Our voices matter and it’s time to use them. Together that’s how we make sure that our government works,” Warren said.

Warren has turned into a go-to surrogate for Senate candidates, campaigning for Democrats in Oregon, Kentucky and West Virginia. She planned to raise money for Rep. Gary Peters, who is seeking Michigan’s open Senate seat, during her trip to Detroit for Netroots Nation and was ending the week in Los Angeles at the National Council of La Raza, where immigration will be a leading topic.

Democrats note that Clinton still holds a sizable advantage in early primary polls and suggest she could appeal to all wings of the party. “The view among a lot of progressive people is that there’s a more practical view of her candidacy, there’s enormous strength there,” said Tad Devine, a veteran of Democratic presidential campaigns.

O’Malley has made trips to Iowa and New Hampshire in the past month and notably distanced himself from both Clinton and Obama on the crisis along the Mexican border.

“We are not a country that should turn children away and send them back to certain death,” O’Malley told reporters in Nashville, Tennessee, during a weekend meeting of the National Governors Association. Late Tuesday, reports of a leaked phone call between the governor and a top Obama aide surfaced, appearing to make O’Malley look like a hypocrite because he asked the administration not to send the immigrants to his state.

Clinton cited the need to reunite the children with their families but said during a CNN forum in June that the U.S. needed to “send a clear message: Just because your child gets across the border doesn’t mean your child gets to stay.”

During her book tour, Clinton has frequently cited the economic struggles of many Americans who have yet to partake in the recovery and pointed to the broad-based growth in jobs during her husband’s two terms in the White House. In an interview with German news magazine Der Spiegel, Clinton said the work of Thomas Piketty, the economist and best-selling author, showed that income inequality was “threatening to democracy.”

That message could help her connect with liberals, who have been wary of her ties to Wall Street and the corporate support of the Clinton Foundation. Liberals are closely watching how Clinton might frame an economic agenda in a potential presidential campaign.

“She has to figure out what’s her message for a new American electorate: African-Americans, Hispanics, young people, women, all of whom are suffering,” said Roger Hickey, co-director of the Campaign for America’s Future.

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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