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In Sandy turnaround test, NYC says it’ll meet goal

JENNIFER PELTZ
Associated Press

NEW YORK (AP) — A city home-repair program has been sprinting to meet a self-imposed deadline to signal a turnaround in Superstorm Sandy recovery, and officials say they’re positioned to pass their test of rebuilding both houses and confidence.

The milestone for the Build It Back initiative — 500 construction projects started and 500 reimbursement checks sent by Labor Day — represents a fraction of the estimated 15,000 to 20,000 homes eligible for fixing or reimbursements, and concerns about the program’s pace linger among some New Yorkers still dealing with damage. But Mayor Bill de Blasio has portrayed the benchmarks as jump-starting a stalled program that hadn’t fixed a single house or dispatched any checks when he took office in January.

“I think it’s working, and we’re going to keep making it work better,” he said this week.

The city readily surpassed its goal for checks. But the construction component, which sends city-paid contractors to do needed work, has been more challenging: It counted 411 construction starts as of Tuesday, the most recent figures available. Officials have said many other projects were on the verge of starting, and they said Friday they were confident they would hit 500.

Two summers after Sandy’s floods, the toll is still visible at Teresa Surillo’s home in the Rockaways. The retired nursing home kitchen worker and her husband did what repairs they could afford with their slim resources and $46,000 in insurance money, but half their ground-floor walls are still torn out, she said.

They applied to Build It Back early on, navigating repeated requests for more information and long stretches of silence. Momentum picked up after de Blasio rebooted the program this spring, and the Surillos now may have their home completely rebuilt above flood level, an option that requires additional reviews. They said they’ve waited about a month to hear when they can meet program staffers to evaluate their choices and decide.

“We just hope something can be done,” Teresa Surillo said, but “I’ll believe it when I see it.”

Former Mayor Michael Bloomberg created Build It Back in June 2013, after a program called Rapid Repairs did basic work to make homes habitable. But as of Jan. 1, no households had complete plans for the work, and the program had developed a red-tape reputation.

De Blasio announced the 500-homes goals in April. He eliminated income categories that had held up some applications because others were prioritized, assigned city Buildings Department inspectors exclusively to the initiative and made other changes that accelerated it.

After getting only a few thousand dollars in insurance payouts to fix her flooded Staten Island house, Donna Panebianco applied to Build It Back last year, but “nothing really went on until they revamped the program,” she said.

“Once they did, I took off running,” the bookkeeper said this past week, with work underway on her ground-floor bathroom and other problems.

While Monday’s benchmark may be modest compared to the overall need, “it’s a huge number compared to zero,” city housing recovery chief Amy Peterson said. She notes that more than 10,300 homes have been inspected, quadruple the number last year. And more than 1,000 residents have decided on a plan and completed design consultations.

While giving the administration credit for setting a responsive, reinvigorated tone, local officials greet it with tempered optimism. “There has been a major improvement,” but there also are thousands of homeowners still waiting for results, said City Councilman Mark Treyger, who leads the council’s Sandy recovery committee.

Enduring frustrations with red tape and timeframes have bubbled up at some community meetings this summer; 1,000 people packed one organized by community advocacy group Faith in New York. And Republican Rep. Michael Grimm complained this week that Build It Back remains “completely broken,” speaking outside a boarded-up, mold-filled Staten Island house. Officials say they and the homeowner have made strides recently to advance the project.

A mile away, Roy Garlisi welcomed a Build It Back contractor this past week to take measurements for repairs to his basement, with a hitch: The program’s rules won’t allow for fixing the kitchen, as there’s another one upstairs, though it lacks an oven. “We’ve been eating out of a frying pan since Sandy,” said Garlisi, 81.

But he’s glad for other work the program will do.

“I’m very hopeful,” he said. “It’s moving in the right direction now.”

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Reach Jennifer Peltz on Twitter @ jennpeltz.

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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