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A look at voter photo ID requirements

The Associated Press

Nineteen states have laws that require voters to show photo identification at the polls, though legal fights are pending over the issue in four states, according to the National Conference of State Legislatures. Civil rights groups argue such laws unfairly target poor and elderly residents who are less likely to have IDs, while supporters say they protect against voter fraud.

Here’s a look at where the legal challenges stand:

WISCONSIN

A federal appeals court reinstated Wisconsin’s voter ID law on Friday after the three Republican-appointed judges questioned whether the law was truly discriminatory. Afterward the state elections board said it would move toward implementing the law in time for November’s general election, which includes a tight governor’s race between Republican incumbent Scott Walker and Democratic challenger Mary Burke.

Wisconsin’s measure requiring voters to show photo identification was signed into law in 2011 by Walker, and it was in place during the February 2012 primary election. A county judge ruled it unconstitutional a month later, and it hadn’t been in effect since.

The state Supreme Court ruled in July that the law was constitutional, but the law remained on hold because a federal judge had struck it down earlier this year.

TEXAS

The U.S. Justice Department is asking a federal judge to throw out Texas’ voter ID law in a trial that began this month, but a ruling isn’t expected until after the November elections. That means voters must show a photo ID at polling sites.

Texas became the first test by U.S. Attorney General Eric Holder to wring protections from a weaker Voting Rights Act after the U.S. Supreme Court gutted the landmark 1965 law last year. The state had been barred from enforcing voter ID requirements prior to that ruling.

Opponents say 787,000 registered voters in Texas lack any of seven acceptable forms of ID under the law. For example, concealed handgun licenses are accepted at polling sites, but not student IDs issued by state universities.

ARKANSAS

Arkansas’ voter ID law was approved last year after the Republican-led Legislature overrode a veto from Democratic Gov. Mike Beebe. Although a judge ruled the law unconstitutional in May, he put his ruling on hold pending court appeals, meaning the law remains in effect.

A lawsuit challenging the law is set to go before the Arkansas Supreme Court on Oct. 2, less than three weeks before early voting begins for the November election. The American Civil Liberties Union of Arkansas is suing the state on behalf of four voters who, according to the ACLU, are being disenfranchised by the photo ID requirement. The state is asking the court to uphold the law.

NORTH CAROLINA

A law requiring North Carolina voters to show photo identification is set to take effect in 2016, but that requirement is among several provisions in the state’s 2013 elections-overhaul law that are being challenged by federal lawsuits. For now, poll workers ask voters whether they have a photo ID and give them information about how to obtain one if they don’t.

Lawsuits challenging that and other law provisions are set for trial next summer, though the 4th U.S. Circuit Court of Appeals is scheduled to hear arguments this month about whether other voting restrictions can be used for the November election. If plaintiffs are successful, that could prevent poll workers from even asking voters if they have a photo ID.

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. 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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. 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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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