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Dems eye women’s vote with bill on contraception

CHARLES BABINGTON
Associated Press

WASHINGTON (AP) — Democrat and Republican lawmakers are fervently pursuing a batch of doomed bills in the U.S. Congress in a bid to woo women whose votes could be decisive in the Nov. 4 midterm elections.

Recent votes on “pay equity” and family leave issues were aimed at women, who are increasingly crucial to Democrats’ election hopes, and therefore worrisome to Republicans. Any shift in women’s typical turnout or Democratic tilt this fall could determine tight elections, especially for the Senate.

Republicans need to gain six Senate seats to control the chamber, and women’s issues are especially lively in the most contested states, including Colorado, North Carolina, Arkansas and Louisiana.

A Senate vote Wednesday on contraception legislation is the latest example of Democrats’ win-by-losing strategy, which forces Republicans to vote on sensitive matters that might anger women.

Recent elections explain the fixation on female voters.

Women have outvoted men in every federal election since 1982. Female voters preferred Democrats by 11 percentage points in 2012, while men favored Republicans by 8 percentage points. But the voting rate among women, and especially single women, usually drops more than male voting in nonpresidential elections.

Both parties must cater to their ideological bases, even as they court women voters.

Nearly all Republicans are opposing measures that appear likely to expand abortion access, place new requirements on employers or limit religious conservatives’ rights.

Democrats overwhelmingly support abortion access, worker benefits and equal treatment of women in the workplace.

Still, Democrats approached this week’s birth control debate with different tactics, depending on whether they were seeking re-election in a Republican-leaning state or in a 50-50 or Democratic-leaning state.

Democrats knew Republicans would block their bill to counter the Supreme Court’s recent ruling that said employers may exclude birth control products from their health insurance plans if the products violate the employers’ religious faith.

Two Democrats who strongly campaigned against the court ruling centered on arts and crafts company Hobby Lobby are seeking re-election in states that President Barack Obama carried at least once, thanks in part to strong backing from women: Kay Hagan of North Carolina and Mark Udall of Colorado.

Minutes after all but three of the Senate’s 45 Republicans voted to block the Democrats’ “Not My Boss’ Business” bill, Udall said his party will continue to contest a ruling that says “a boss’ beliefs can supersede a woman’s rights to health care benefits that she has earned.”

Rep. Debbie Wasserman Schultz, chair of the Democratic National Committee, told reporters Thursday that Republicans have awakened “a sleeping giant” in the form of women who will dislike the party’s actions on the matter.

Republican leaders said Democrats were misleading women by suggesting an employee could not buy birth control products even with her own money. Republicans promised to push legislation guaranteeing such access.

Other Democratic senators in tough re-election races were more cautious. Sens. Mark Pryor of Arkansas and Mary Landrieu of Louisiana were among the few Democrats who did not co-sponsor their party’s bill. Pryor has said he understands the “deeply held religious views” of those who brought the Hobby Lobby lawsuit, but he disagrees with the court’s ruling.

Republicans try to turn the tables by pushing their own doomed initiatives, pitched as pro-women.

Female Republican senators say they want legislation to reinforce existing laws against workplace inequities. Those efforts have about as much chance of passage in the Democratic-controlled Senate as the dozens of failed Republican bids to overturn the president’s health care law, which Republicans portray as harmful to women.

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Associated Press Director of Polling Jennifer Agiesta contributed to this report.

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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