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5 Ways India’s Presidential Election is Unique

Indian and American Elections Differ

Counting will take place on July 20 in India’s presidential election, with the numbers stacked in favor of ruling Bharatiya Janata Party nominee Ram Nath Kovind to win the five-year term.

Though India’s president holds merely a ceremonial role — executive power resides with Prime Minister Narendra Modi and the Parliament — Kovind’s election looks likely to bolster Modi’s grip on power in the second most populous country in the world. Outgoing President Pranab Mukherjee, who was a member of rival party Indian National Congress before assuming the nonpartisan office, was elected before Modi came to power in 2014.

India and the U.S. are two of the largest democracies in the world, and while there are some similarities in their electoral systems, they diverge on some key points. Here are five of the biggest differences.

Campaigning

U.S. presidential elections effectively boil down to a two-party race where candidates campaign for more than a year, compete internally for their party nominations and eventually wait more than two months before the winner takes office. But in India, despite Kovind’s expected landslide win, major opposition parties banded together to campaign for former Parliament speaker Meira Kumar. India’s presidential election took place on July 17, just days before President Mukherjee’s term ends on July 24.

Casting of Votes

While India does have an electoral college system, there are 4,896 voters compared with the U.S.’s 538 Electoral College members. The people vote for national and state lawmakers, who in turn elect the president, unlike in the U.S., where electors are appointed party officials and obliged to give their votes to the candidate with the majority win in their states. After casting their votes, Indian electors must also list at least one second choice for president in case a candidate does not meet the vote quota, in which case their vote is transferred to their next choice.

Secrecy of Votes

Unlike voting for a bill or parliamentary motion, Indian electors are supposed to keep their votes secret. (In the U.S., how people vote is private, but many other voter data are public record.) The Indian Election Commission provided unique, numbered pens for electors this year to try to maintain vote secrecy after a 2016 parliamentary election controversy in which some voters used a non-regulation pen, causing 12 ballots to be invalidated and the BJP-backed candidate to win the seat in question. Likewise, political parties in India may not encourage or issue whips to their members for voting one way or another.

Counting of Votes

In India, votes are counted on a designated day that is often days or even weeks after voting. This year, votes were cast on Monday, July 17, and will be counted and announced Thursday, July 20. The value of a member of the Legislative Assembly’s votes depends on the population of his or her state — as in the U.S., where the number of electors per state depends on its population. However, the value of a member of Parliament’s vote remains the same regardless of population.

Winning the Popular Vote

Because in India the people vote for legislators who then elect the president, a candidate can’t win the popular vote and still lose the election. That’s unlike the U.S.’s winner-take-all system, which was apparent during the 2016 U.S. presidential election, where Democrat Hillary Clinton won by 3 million ballots, but Republican Donald Trump clinched 306 electoral votes and the presidency.

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5 Ways India’s Presidential Election is Unique originally appeared on usnews.com

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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