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Clinton backs Gov. Cuomo; GOP foe claims momentum

BY DAVID KLEPPER
Associated Press

NEW YORK (AP) — Democratic Gov. Andrew Cuomo raced into the final stretch of his re-election bid Thursday with help from former Secretary of State Hillary Rodham Clinton while Republican challenger Rob Astorino maintained their recent debate helped push momentum to his side.

The debate Wednesday night in Buffalo appeared unlikely to change the trajectory of the race, with Cuomo holding a huge lead in fundraising and in the polls. While Astorino repeated assertions that Cuomo is corrupt, the governor put Astorino on the defensive, accusing him of trying to discriminate against minorities by fighting a federal housing desegregation settlement.

“It was a very good tactic,” said Harvey Schantz, a SUNY Plattsburgh political science professor. “Cuomo didn’t get rattled. The best way to defend yourself is to attack your opponent because then the other guy has to defend himself and he gets off his own message.”

The hourlong debate gave Astorino, the Westchester County executive, little time to make his case against Cuomo. He needed “a knockout punch, a grand slam, a Hail Mary,” said Siena pollster Steven Greenberg.

“He had to try to get Cuomo to say or do something that would be a major issue for the final week, 10 days of the campaign, and he didn’t get that,” he said.

On Thursday morning, Clinton appeared at a Manhattan rally with Cuomo and his pick for lieutenant governor, Kathy Hochul.

Loud chants of “2016! 2016!” greeted Clinton as she took the stage to a raucous reception, far louder than the cheers Cuomo received when she introduced him minutes later. Clinton, who lives in the New York City suburbs, was effusive in her praise for Cuomo, a longtime political ally who worked in her husband’s presidential administration.

“There is no doubt the governor is the right leader at the right time with the right plan,” Clinton said to the predominantly female crowd rallying under the banner of the Woman’s Equality Party, a new political organization founded by Cuomo that will have a line on the fall ballot.

Clinton ticked off a series of Cuomo’s accomplishments including marriage equality, gun control and the defense of abortion rights, while praising what she said were his pragmatic fiscal accomplishments.

Clinton is considered the presumptive front-runner for the 2016 Democratic presidential nomination if she decides to run. Cuomo has also been touted as a possible presidential candidate, though he’s unlikely to make a bid if Clinton runs. He took the stage teasing Clinton’s potential White House aspirations, saying, “I hope she does something really, really, really big.”

Astorino made a pitch for donations during the debate and said Thursday that contributions increased overnight. He said he didn’t know by how much but has more media buys planned in the last two weeks. He said he will use them in part to rebut lies Cuomo told about him in the debate and in his ads.

“Momentum is clearly on our side,” Astorino told reporters in Albany.

He said Cuomo should apologize to the people of Westchester County (where Cuomo himself lives) for allegations of racism. The county is complying with the housing settlement, Astorino said, though he accused the federal government of trying to interfere with local zoning authority.

___

Associated Press writer Michael Virtanen contributed to this report from Albany.

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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