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Obama wraps up California fundraising trip

DARLENE SUPERVILLE
Associated Press

SAN FRANCISCO (AP) — President Barack Obama on Saturday wrapped up a week that saw him raise campaign money for Democrats on both coasts.

Obama attended a “round table” discussion at the home of Democratic donor and Zynga founder Mark Pincus and his wife, Ali, with about 25 supporters who paid up to $32,400 for the privilege, according to Democratic officials.

It was Obama’s fourth California fundraiser in three days and was closed to media coverage.

This coming week brings more of the same for the president, including his long-anticipated, first appearance at a campaign rally this election season. At an event Wednesday in Bridgeport, Connecticut, he’ll help boost Gov. Dannel Malloy and state Democrats. Malloy is in a tight re-election race in a state Obama won easily in 2012.

Obama has worked hard all year to raise money for Democratic congressional and gubernatorial candidates. But his dismal approval ratings — in the low 40s, according to recent polls — so far have sidelined him from the campaign trail as candidates have avoided appearing with him, especially those from states where Obama lost in past years.

But it has been expected that Obama, unpopular or not, would have to step up his involvement in the final weeks before the Nov. 4 elections, in which control of the Senate will be the night’s biggest prize. Democrats are currently in charge of the chamber, but Republicans can regain control by picking up just six seats.

The political party that controls the White House historically loses seats in Congress in the midterm election of the president’s second term, history that hardly favors an incumbent nearing the end of six years in office.

Obama has chastised core Democratic constituencies for turning away from politics in nonpresidential election years but also has urged them to snap out of their midterm election slumber and vote next month.

“There’s a congenital problem that we have as Democrats, and that is, in nonpresidential elections, in midterm elections, we don’t vote. We don’t vote,” he told about 300 supporters at a Democratic National Committee event at a San Francisco hotel Friday night.

“But the main thing that I need right now is votes. We’ve got to mobilize. We’ve got to organize. We’ve got to knock on doors. We’ve got to make phone calls,” he said. “If young people vote, if women vote, if people of color vote, if people who care about the environment vote, if people who care about LGBT rights vote, that’s a majority.”

Obama returned to the White House on Saturday after spending the past three days in California, mostly for fundraising. He also raised money this week in New York City and Greenwich, Connecticut, and has similar events in the week ahead.

On Tuesday, he’ll help raise money in the Washington area for Democratic House candidates.

On Wednesday, before heading to the Connecticut rally, Obama planned to stop in Union, New Jersey, to help raise money for Democratic Senate candidates.

On Thursday, he travels to New York’s Long Island to headline a Democratic National Committee event.

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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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