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Feds, State Take Steps to Ease Burden on Some Student Loan Borrowers

According to a report by California Student Loan and Debt Service Review Workgroup (CSLDSRW) — established under the state’s Budget Act of 2020 — and the National Center for Education Statistic (NCES), 84.9% of Blacks who earned bachelor’s degrees from 2015 to 2016 owed an average of $34,000 upon graduation.

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Massachusetts Congresswoman Ayanna Pressley speaking about cancellation of student debt Dec 5, 2021. Photo courtesy of California Black Media.
Massachusetts Congresswoman Ayanna Pressley speaking about cancellation of student debt Dec 5, 2021. Photo courtesy of California Black Media.

By Antonio Ray Harvey | California Black Media

Lillian Lewis earned multiple degrees from California State University Sacramento.

Before the pandemic began, Lewis said, paying down the high student loan debt she accrued to cover her tuition and living expenses while in school put a strain on her monthly budget. Those arrears (“in the thousands”) with growing interest made it difficult for her to make ends meet.

But last month, Lewis and about 30,000 other American student loan borrowers across the United States received some unanticipated good news. The Biden administration announced a $2 billion relief program that expanded the Public Service Loan Forgiveness (PSLF) program.

“It took a huge load off my finances and will improve my credit, which was not bad anyway,” said Lewis, who does social work and now lives in Las Vegas. “It was taking forever to pay off. Now, I don’t have to worry anymore.”

PSLF wipes out student loan debt for borrowers who commit to public service careers or work full time for public or nonprofit organizations.

The relief program launched about three months before the federal government lifts a freeze on student loan payments on Jan. 31, 2022. In March 2020, as the COVID-19 pandemic gripped the country, the feds paused monthly payments for Americans who owe student loans, stopped all collection activity, and applied a temporary zero-interest rate to all debt.

In California, there are thousands of African Americans like Lewis: saddled with huge balances stemming from loans they took out to pay for tuition not covered by scholarships, living arrangements, textbooks, and other expenses.

In November, highlighting one borrower’s story, United States Education Secretary Miguel Cardona tweeted, “we are just getting started” to provide student debt relief for millions of Americans.

According to a report by California Student Loan and Debt Service Review Workgroup (CSLDSRW) — established under the state’s Budget Act of 2020 — and the National Center for Education Statistic (NCES), 84.9% of Blacks who earned bachelor’s degrees from 2015 to 2016 owed an average of $34,000 upon graduation.

CSLDSRW’s study also found that Californians of color default more on their student loans. Neighborhoods in the San Francisco Bay Area with the largest percentages of Black and Latino residents had 19.9% of borrowers in delinquency and 15% in default.

In Los Angeles, borrowers living in ZIP codes with high minority populations had double the amount of default rates than borrowers in ZIP codes that are predominantly white.

U.S. Congresswoman Ayanna Pressley (D-Massachusetts) told the media at an event hosted by the American Federation of Teachers earlier this year that she, too, had defaulted on her student loans.

Black women carry 20% more in student debt than white women, according to the American Association of University Women, an advocacy group that fights for fair pay and economic opportunities for women.

“Like 85% of Black students, I had to borrow; and like so many of those students, I had also defaulted on those loans. We know that Black and Brown students are five times more likely to default for those loans than our white counterparts,” said Pressley.

CSLDSRW’s reported that among all borrowers, Black women accrued more student debt, an average of $37,558, from their undergraduate studies than any other group.

According to EducationData.org, a website that addresses the rising cost of higher education, Black college graduates owe an average of $52,000 in student-loan debt – nearly $25,000 more than their white counterparts.

In October, Gov. Gavin Newsom signed Assembly Bill (AB) 424, the Private Student Loan Collection Reform Act, which places new documentation requirements on private student loan lenders before activating any collection activity. AB 424 becomes law on July 1, 2022.

“We’re turning commitments into reality by ensuring that our students have more access to high-quality educational opportunities, creating a change of course for generations to come and bolstering California’s innovation economy,” Newsom said when he signed the legislation.

“Californians have thrived at our world class universities for decades, but not everyone has had similar access – today that’s changing,” he continued. Everyone deserves a shot at the ‘California Dream.”

The U.S. Department of Education expects thousands more to benefit in the coming months from more federally funded debt relief programs.

Over 45 million Americans have a total of $1.7 trillion worth of student loan debt. Progressive lawmakers have pushed Biden to wipe out all federally held debts up to $50,000 and they are making efforts to stop repayments of loans.

“89% of student borrowers say they aren’t financially ready to resume student loan payments & 27% will be spending at least a third of their income on payments when they resume,” tweeted Sen. Elizabeth Warren (D-MA). “Student debt is dragging down our communities and economy@POTUS should #CancelStudentDebt.”

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An Inside Look into How San Francisco Analyzes Homeless Encampments

Dozens of unhoused people are camped at Sixth and Jesse streets in San Francisco’s South of Market neighborhood. Tents made of tarps and blankets, piles of debris, and people lounging alongside the allies and walls of businesses are seen from all angles. These are some of the city’s hotspots. City crews have cleared encampments there over 30 times in the past year, but unhoused people always return.

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Since the ruling of Grants Pass by the US Supreme Court earlier this summer, which allows cities the authority to ban people from camping or sleeping on the streets, San Francisco has been at the head of the conversation to crack down on encampments.
Since the ruling of Grants Pass by the US Supreme Court earlier this summer, which allows cities the authority to ban people from camping or sleeping on the streets, San Francisco has been at the head of the conversation to crack down on encampments.

By Magaly Muñoz

Dozens of unhoused people are camped at Sixth and Jesse streets in San Francisco’s South of Market neighborhood. Tents made of tarps and blankets, piles of debris, and people lounging alongside the allies and walls of businesses are seen from all angles.

These are some of the city’s hotspots. City crews have cleared encampments there over 30 times in the past year, but unhoused people always return.

But it’s normal to have tents set up again within less than 24 hours after an encampment sweep, David Nakanishi, Healthy Streets Operation Center Manager at the Department of Emergency Management, says. Sometimes there’s less people than before but often there is also no change.

“Most of the people that were in the encampments that want to go inside, we’ve gotten the majority of those [into shelter],” Nakanishi says. “Many of the people we encounter now, are those who have various reasons to not accept shelter, and some are already in shelter/housing”.

Since the ruling of Grants Pass by the US Supreme Court earlier this summer, which allows cities the authority to ban people from camping or sleeping on the streets, San Francisco has been at the head of the conversation to crack down on encampments.

Where neighboring cities in the Bay Area are clearing encampments a few days a week, San Francisco is sweeping 10 times a week, two per weekday.

David Nakanishi, Healthy Streets Operation Center Manager at the San Francisco Department of Emergency Management, makes a 311 report on an encampment in the Mission District. These reports allow smaller city teams to tackle individual spots where unhoused people frequent. Photo by Magaly Muñoz.

David Nakanishi, Healthy Streets Operation Center Manager at the San Francisco Department of Emergency Management, makes a 311 report on an encampment in the Mission District. These reports allow smaller city teams to tackle individual spots where unhoused people frequent. Photo by Magaly Muñoz.

Considering the controversy that plagues the city around its harsh policies, the Post decided to tag along on a ride with Nakanishi to show us how he decides what encampments make it on the city’s sweep list.

Nakanishi, having over 20 years of experience in homelessness management, drives around the busiest parts of the city almost daily. He’s tasked with arranging a weekly sweeping operation schedule for city teams to engage with unhoused folks to help get them off the streets.

So what exactly is he looking out for when deciding what encampments get swept?

It depends, he says.

Locations like schools, recreational centers, senior centers, or businesses are places he tends to want to address quickly, especially schools. These are the places where the complaints are highest and access to facilities is important for residents.

He says he also takes into account 311 calls and reports made to him by city staff. On the date of publication, over 100 calls and reports were made about encampments around the city, according to San Francisco data.

Makeshift structures built from plywood and tarps are starting to pop up more throughout the city. Certain areas under freeways are not under direct authority from San Francisco, making it harder to sweep these encampments. Photo by Magaly Muñoz.

Makeshift structures built from plywood and tarps are starting to pop up more throughout the city. Certain areas under freeways are not under direct authority from San Francisco, making it harder to sweep these encampments. Photo by Magaly Muñoz.

Nakanishi made a few 311 reports himself on the ride along, pulling over to take photos and describe the encampments into his 311 app. He says it helps him remember where to possibly sweep next or allows smaller teams in the city to engage quicker with individuals on the streets.

Nakanishi also looks at the state of the encampments. Are there a lot of bulky items, such as furniture, or makeshift structures built out of tarps and plywood, blocking areas of traffic? Is trash beginning to pile up and spill into the streets or sidewalks? Sites that meet this criteria tend to be contenders for encampment sweeps, Nakanishi says.

Street by street, he points out individuals he’s interacted with, describing their conditions, habits, and reasons for denying assistance from the city.

One man on 2nd St and Mission, who rolls around a blue recycling bin and often yells at passing pedestrians, has refused shelter several times, Nakanishi says.

People deny shelter for all kinds of reasons, he says. There’s too many rules to follow, people feel unsafe in congregate or shared shelters, or their behavioral and mental health problems make it hard to get them into proper services.

Inside a tent left by an unhoused man on Stevenson and 14th Street in San Francisco. The area smelled of human waste and leftover alcohol. Photo by Magaly Muñoz.

Inside a tent left by an unhoused man on Stevenson and 14th Street in San Francisco. The area smelled of human waste and leftover alcohol. Photo by Magaly Muñoz.

Nakanishi references another man on South Van Ness under the freeway, who city outreach have attempted to get into shelter, but his screaming outbursts make it difficult to place him without disturbing other people in the same space. Nakanishi says it might be an issue of the man needing resources like medication to alleviate his distress that causes the screaming, but the city behavioral team is in the process of outreaching him to figure that out.

In October, city outreach teams engaged with 495 unhoused people. 377 of those engaged refused shelter and only 118 accepted placements, according to city data. That number of monthly referrals is consistent throughout the entirety of 2024 so far.

Nakanishi has long advocated for the well-being of unhoused people, he explains. In 2004, he was working with the Department of Public Health and told then-Mayor Gavin Newsom that there needed to be more housing for families. Nakinishi was told it was easier to deal with individuals first and the city “will get there eventually.” 20 years later, family housing is still not as extensive as it could be, and the waiting list to get placements for families is a mile long with over 500 names.

In 2020, he was a Senior Behavioral Health Clinician at a hotel in the city during the pandemic. He says in 2021 he collaborated with DPH to provide vaccines to those staying in the makeshift hotel shelters once those became available.

Nakanishi strips apart a solo tent on Stevenson and 14th Street in San Francisco. He discards items, like tarps and cardboard, so that people cannot reuse them to make another sleeping structure. Photo by Magaly Muñoz.

Nakanishi strips apart a solo tent on Stevenson and 14th Street in San Francisco. He discards items, like tarps and cardboard, so that people cannot reuse them to make another sleeping structure. Photo by Magaly Muñoz.

Despite the constant media attention that city outreach is inhumanely treating homeless people, so much so that it has led to lawsuits against San Francisco from advocates, Nakanishi says not a lot of people are seeing the true conditions of some encampments.

He describes soiled clothing and tents, drenched in urine, and oftentimes rodents or bug infestations in places where people are sleeping. He’s asked homeless advocates- often those who are the most critical about the city’s work- who have shown up to observe the sweeps if those are conditions the city should allow people to be subjected to, but not many have answers for him, Nakanishi says.

The city’s “bag and tag” policy allows city workers to throw away items that are “soiled by infectious materials” such as bodily fluids and waste.

Sweep operations are conducted at 8am and 1pm Monday through Friday. People at the encampments are given 72 hour notice to vacate, but some don’t leave the area until the day of the sweep.

City outreach workers come out the day before and day of to offer resources and shelter to those interested. The Department of Public Works discards any trash that is left over from the sweep and washes down the area.

Nakanishi told the Post that the only time the city takes tents or personal possessions from residents is when folks become physically violent towards workers and police take the items as evidence. Other items taken are bagged and tagged in accordance with city policy.

Stories from local newspapers such as the San Francisco Standard and the Chronicle show instances of SFPD handcuffing residents while their items are thrown in the trash or disposing of personal possessions without reason.

Advocates have long been pushing for a more competent and compassionate process if the city is going to choose to continue sweeping unhouse people.

No matter the lawsuits and constant criticisms from allies, the encampment sweeps are not slowing down, even with the cold weather quickly approaching the coastal city.

Nakanishi says there aren’t a lot of large encampments left in San Francisco so now they do runs of streets in order to stretch out the sweeps as much as possible.

It’s calculated strategies and years of first hand knowledge that make this job work, “It takes dedication to the work, caring for the people and the community, and persistence, patience and sometimes good luck to make the positive changes for the people on the street,” Nakanishi says.

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Activism

Oakland Post: Week of November 13 – 19, 2024

The printed Weekly Edition of the Oakland Post: Week of November 13 – 19, 2024

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To enlarge your view of this issue, use the slider, magnifying glass icon or full page icon in the lower right corner of the browser window.

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LIVE! — TOWN HALL ON RACISM AND ITS IMPACT — THURS. 11.14.24 5PM PST

Join us for a LIVE Virtual Town Hall on the Impact of Racism hosted by Post News Group Journalist Carla Thomas and featuring Oakland, CA NAACP President Cynthia Adams & other Special Guests.
Thursday, November 14, 2024, 5 p.m. – 6:30 p.m. PST

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Join us for a LIVE Virtual Town Hall on the Impact of Racism hosted by Post News Group Journalist Carla Thomas and featuring Oakland, CA NAACP President Cynthia Adams & other Special Guests.
Thursday, November 14, 2024
5 p.m. – 6:30 p.m. PST

Discussion Topics:
• Since the pandemic, what battles have the NAACP fought nationally, and how have they impacted us locally?
• What trends are you seeing concerning Racism? Is it more covert or overt?
• What are the top 5 issues resulting from racism in our communities?
• How do racial and other types of discrimination impact local communities?
• What are the most effective ways our community can combat racism and hate?

Your questions and comments will be shared LIVE with the moderators and viewers during the broadcast.

STREAMED LIVE!
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YOUTUBE: youtube.com/blackpressusatv
X: twitter.com/blackpressusa

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