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Tri-Caucus Releases Higher Education Act Reauthorization Priorities

LOS ANGELES SENTINEL — The Chairs of the Congressional Tri-Caucus –Congressional Black (CBC) Caucus Chair Karen Bass (CA-37), Congressional Hispanic Caucus (CHC) Chair Joaquin Castro (TX-20), and Congressional Asian Pacific American Caucus (CAPAC) Chair Judy Chu (CA-27) – released their Tri-Caucus Higher Education Priorities for the reauthorization of the Higher Education Act.

Published

5 years ago

October 7, 2019

Oakland Post

Congresswoman Karen Bass (File Photo)

By Sentinel News Service

The Chairs of the Congressional Tri-Caucus –Congressional Black (CBC) Caucus Chair Karen Bass (CA-37), Congressional Hispanic Caucus (CHC) Chair Joaquin Castro (TX-20), and Congressional Asian Pacific American Caucus (CAPAC) Chair Judy Chu (CA-27) – released their Tri-Caucus Higher Education Priorities for the reauthorization of the Higher Education Act.

These Tri-Caucus Priorities identify the best way to address educational inequities for students of color. They include strengthening the capacity of Minority Serving Institutions, the quality of education offered at all institutions of higher education, and resources that help students of every income level and background succeed. Finally, they include priorities most important to our communities, like support for undocumented youth and programs that ensure the recruitment and retention of teachers of color.

The priorities were also endorsed by the Tri-Caucus education chairs: CHC Education and Labor Task Force Chair Raúl Grijalva (AZ-3), CAPAC Education Task Force Chair Mark Takano (CA-41), and CBC Education and Labor Task Force Co-Chairs Danny Davis (IL-7), Frederica Wilson (FL-24), and Bonnie Watson Coleman (NJ-12).

“Higher education is the pathway to financial security and professional success for many in our communities of color. The Congressional Tri-Caucus is proud to introduce our Higher Education Priorities and take a stand for students of color across the country,” said the Tri-Caucus Chairs. “Our communities have unique education needs, and we have a proud heritage in our Historically Black Colleges and Universities, Hispanic Serving Institutions, and Asian American and Native American Pacific Islander-Serving Institutions. As we strive for the success of these schools and students of color everywhere, our priorities outline the keys to their success, including supporting their financial needs, strengthening the education they receive, and ensuring they are competitive in the workforce. These priorities will open doors of opportunity for students of every background, from first generation college students to undocumented youth and every community from urban to rural. We hope that, with these guidelines to our federal policy, we will help every student of color attain success and fulfill the promise of the American dream.”

The Tri-Caucus Higher Education Principles are as follows:

Tri-Caucus Priorities for the Reauthorization of the Higher Education Act

in the 116th Congress

Improve College Affordability

Federal Pell Grants and Work Study

Increase the maximum award level of Pell Grants so they better align with the rising cost of higher education.
Index Pell Grants to inflation.
Revise the formula used to allocate work study funds based on student need and Pell Grant aid.
Provide tuition-free and debt-free colleges and universities by investing in federal-state partnerships to make a four-year college degree possible to achieve without debt.
Increase funding for Federal Work Study at institutions that enroll high levels of Pell Grant recipients.
Improve access to work study opportunities aligned with academic study and career interests, including those in community service-learning programs for low-income students.
Establish additional funding for students that complement Pell Grants. This funding would cover costs of living (food, housing, transportation, etc.) and non-tuition educational costs (books, fees, etc.).
Restore Pell Grant eligibility for incarcerated people.
Extend Federal Financial aid eligibility to undocumented students and Temporary Protected Status (TPS) recipients.
Maintain year-round Pell Grant availability.
Provide new Pell Grant eligibility for short term training programs offered at community colleges.
Include language assistance for Free Application for Federal Student Aid (FAFSA) and any other documents related to financial aid.
Simplify FAFSA by allowing data from other federal agencies (such as IRS) to be used in the application to reduce the number of questions and in addition the following –

- Deem students eligible for a zero expected family contribution (EFC) determination if the student or the student’s parents are recipients of a means tested program.
- Increase the income threshold to qualify for zero EFC to $50,000.
- Eliminate the Selective Service registration and prior drug conviction question from the student eligibility criteria for federal student aid.
- Simplify the determination process for homeless and foster care youth.

Improve information tools, financial literacy and require the Department of Education to partner with institutions to standardize financial aid award letters and terminology.
Provide small-dollar emergency grants for students to help students continue their education rather than dropping out due to financial concerns.

Federal Student Loans

Reduce the student loan debt burden for borrower’s past, present, and future.
Protect the Grad Plus Loans and Parent Plus Loans programs.
Protect the Income Based Repayment Program.
Protect the Public Service Loan Forgiveness (PSLF) and the Temporary Expanded Public Service Loan Forgiveness (TEPSLF) programs. Ensure individual borrowers receive clear information about the status of their loans, correct loan repayment plans, and all qualifying PSLF payments. As well as require the ability to seamlessly enroll in PSLF and TEPSLF electronically.
Improve student loan counseling to help students borrow wisely and manage debt repayment.
Restructure the Federal Student Aid office to serve students better. Automate recertification of borrowers’ incomes while they are enrolled in income-driven repayment plans using information on file at the Department of Treasury.
Automate enrollment into income driven plans for borrowers who are severely delinquent on their loans.
Automatic verification of totally and permanently disabled borrowers’ continued eligibility for a loan discharge during the three-year monitoring period.
Automatic enrollment of defaulted borrowers in an income-driven repayment plan upon completion of loan rehabilitation.
Protect students from institutions that engage in predatory practices by codifying the borrowers defense to repayment rule.
Protect students from low-quality programs by holding institutions accountable and codifying the gainful employment rule.
Require post-secondary institutions to use language in financial aid offers that clearly indicate which components of the package are loans.

II. Strengthen the Capacity of HBCUs and Minority-Serving Institutions

Authorize permanent mandatory funding for HCBUs and all MSIs as currently defined in HEA.
Protect current investments and statutory programs and increase federal funding for MSIs and HBCUs.
Provide increased and sustainable support and funding for the AANAPISI Program to help underserved students overcome barriers to a college degree, by increasing funding authorization for the AANAPISI Program to $60 million.
Establish a post-baccalaureate grant program for AANAPISIs that already exists for other MSIs.
Provide robust and sustainable support and funding for the Native Hawaiian Serving Institutions Program by authorizing an increased level of funding.
Increase Funding for teacher preparation programs at MSIs.
Make permanent HSI STEM Articulation Program under Title III, Part F which is scheduled to expire at the end of Fiscal Year 2019.
Increase Science, Technology, Engineering, Arts & Mathematics (STEAM) resources directed to communities of color.
Ensure that HBCUs & MSIs have funding for students of color to enter technology fields that will better prepare them for the future of work.
Update the Strengthening Institutions – Tribal College Program at the Department of Education (HEA Title III Part A &F)
Ensure funding for the Tribal College & University and American Indian & Alaska Native Language Revitalization and Training Program.

III. Improve Education Quality and Student Success

Encourage and expand access for low-income students to dual enrollment, early college, and similar programs in high schools.
Promote improved coordination of community colleges and four-year institutions to ensure ability to transfer credits between institutions.
Increased funds for K-12 and higher education mentorship programs.
Consider developing an incentive program within Title IV to reward institutions that increase graduation rates of Pell students, ensuring no penalty to institutions that educate low-income students.
Increase federal support for first year student retention and success programs.
Increase college access and improve college completion for service members and veterans.
Support workforce training programs including those offered at community colleges.
Maintain provisions that prohibit institutions from engaging in agreements with financial institutions that predatorily market financial products to students.
Develop accountability metrics that protect students from predatory for-profit educational institutions.
Address the 90/10 loophole to protect Veterans from predatory for-profit educational institutions by moving the ratio to 85/15.
Incentivize institutions to create support programs to ensure students graduate on time.
Encourage institutions to establish an accessibility office to support mental health services for students.
Allow students with disabilities to use their existing documentation of a disability (IEP, 504 plans) to access accommodations at institutions of higher education.
Create a program modeled on the federally-funded DC Tuition Assistance Grant providing tuition assistance for graduates of Northern Marianas College and American Samoa Community College who want to pursue a four-year degree at any public university in other parts of the United States.
Maintain integrity and accountability of gatekeeping system for Federal accreditation and State licensure policies.
Increase funding for federal Child Care Access Means Parents in School (CCAMPIS) program to meet student-parents’ need for affordable childcare.
Authorize the creation of Native American language revitalization program that awards grants for Native American language programs appropriate for the population served at institutions that serve American Indians, Alaska Natives, Native Hawaiians or Native American Pacific Islanders.
Increase resources to Institutes of Higher Education (IHEs) to increase graduation rates.
Support a $40 million competitive grant to provide funding for school districts across the country to support STEM education for girls, students of color, LGBTQ students, and students with disabilities.
Improve civil rights enforcement to protect college students from harassment and discrimination: Any HEA reauthorization must strengthen protections from discrimination and harassment through additional reporting under the Clery Act and stronger enforcement penalties for colleges aiming to skirt reporting and accountability.
Ensure university officials are held accountable for hate crimes and hate-based incidents that occur on their campuses by requiring accreditors to asses’ institutions of higher education campus safety programs during the accreditation process, including the annual dissemination of certain information to students and faculty.
Protect students from incidents of hazing through educational programs and bolstering reporting requirements.
Improve access to student voting on college campuses –

- Define “good faith effort” to distribute voter registration forms in the Higher Education Act to mean sending correspondence at least twice a year and no less than 30 days before voter registration deadlines for federal and state elections, with links to voter registration information.
- Designate a staff member or office as the “Campus Vote Coordinator” to answer student questions about voter registration.
- Provide a right of action against those institutions that engage in patterns of violating this law.

IV. Promote College Readiness for Students of Color, First Generation Students and Disadvantaged Students

Increase funding and strengthen GEAR-UP, TRIO, HEP-CAMP as needed and other federal funded college access programs to help minority students, low-income students, students who would be first-generation college students, and students who are English language learners access and complete college.
Ensure that GEAR-UP, TRIO, HEP/CAMP and other federal funded college access programs are reaching schools predominantly attended by low-income students, minority students, students who would be first-generation college students, and students who are English language learners.
Maintain GEAR-UP, TRIO, and HEP/CAMP as separate federal programs.
Reform and streamline the Department of Education’s (ED) grants appeals process to ensure institutions of higher education and other qualified organizations with long-standing, high-quality programs can appeal ED’s decisions with technical assistance and a peer-review process to ensure a continuation of funds that service vulnerable student populations.
Continue to provide information to low-income high school students through existing federal college access program on how to navigate the financial aid process and estimate actual cost of attendance.
Continue to support programs that provide financial literacy and financial aid counseling to low-income, minority, first generation, and English Learner students.
Establish funding that supports English Learner Educators.
Promote applied experiences for students and support experiential learning.
Require institutions to provide students with information about the Supplemental Nutrition Assistance Program (SNAP) to ensure students have the information they need to access benefits for which they may be eligible.

V. Increase the Recruitment and Retention of Teachers of Color

Expand high-quality outreach and recruitment programs for minority teachers at both the undergraduate and graduate levels through financial assistance, including loan forgiveness, and technical support while improving and expanding retention efforts for educators of color.
Increase support for teacher education and professional development, including special education, teacher quality grants, and teacher residence programs.
Include language that prioritizes teacher preparation programs that recruit and retain students of color, and programs that recruit students to teach into high-need shortage fields such as English Learner or bilingual teachers.
Establish grants to fund development of teacher preparation programs to train teachers on evidence-based English Learners instruction
Require teacher preparation programs to report the pass rate and average score of students taking state teacher performance assessments, and the number of students in the program, by race, ethnicity, and gender.

VI. Support Graduate Student Access, Affordability, Quality, and Student Success

Support increased funding and strengthen graduate programs at HBCUs, MSIs and Tribal Colleges and Universities.
Expand eligibility for the Subsidized Stafford Loan Program to students enrolled in graduate programs and allow Pell Grants to be used for graduate programs.
Reauthorize and strengthen Title III and Title V HBCU and MSI graduate programs and the Patsy Mink Fellowship Program.

VII. Support Access, Participation, and Success for Undocumented Youth

Allow Dreamers, TPS recipients, otherwise undocumented students to apply for financial aid under FAFSA to protect them from loan servicer and fraud abuse.
Permit Dreamers , TPS recipients, and otherwise undocumented students to be eligible for Pell Grants, federal student loans, work study and federally funded college access programs.
Require post-secondary institutions to give in-state tuition to Dreamers, TPS recipients, and otherwise undocumented students who reside in the state of the institution.
Allow Dreamers, TPS recipients, and otherwise undocumented students to participate in GEAR UP and TRIO programs.
Strengthen grant programs that assist institutions of higher education (IHEs) in establishing or developing minority student support centers, specifically for undocumented students.

VIII. Improving Data Systems in Postsecondary Education

Create a student level data network with all racial groups, racial subgroups, and ethnicities as recognized in the U.S. Census Bureau’s American Community Survey to ensure schools are being held accountable to relevant and useful measures.
Increase data collection, while safeguarding student’s personal information, of student transfers and graduation outcomes by the Department of Education to improve understanding of student completion rates.
Disaggregate undergraduate, graduate, and professional school enrollment data by all racial groups, racial subgroups, and ethnicities as recognized in the U.S. Census Bureau’s American Community Survey.

Adjust the criteria of students tracked through the Integrated Postsecondary Education Data System (IPEDS) so that it captures more community college students and includes part time students, non-first-time students, and students with an intent other than seeking a degree.

This article originally appeared in The Los Angeles Sentinel.

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IN MEMORIAM: Beloved ‘Good Times’ Star and Emmy-Nominated Actor, John Amos, Dies at 84

NNPA NEWSWIRE — Amos’ acting career spanned over five decades, with his most iconic role being that of James Evans Sr., the no-nonsense, hard-working father on the groundbreaking CBS sitcom “Good Times” (1974–1979). The show, which was the first sitcom to center on an African American family, became a cultural touchstone, and Amos’ portrayal of James Evans Sr. made him a symbol of strength and dignity for countless viewers.

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4 weeks ago

October 6, 2024

Oakland Post

March 10, 2011 - Actor/Producer John Amos in a publicity photo for, “Their Voices, Their Stories: African American Veterans Who Served on Iwo Jima.” Catherine Farmer, National Archives.

By Stacy M. Brown
NNPA Newswire Senior National Correspondent

John Amos, the Emmy-nominated actor and pioneering television star who brought to life some of the most beloved characters in entertainment history, has died. He was 84. His son, K.C. Amos, confirmed in a statement that Amos passed away more than a month ago, on Aug. 21, in Los Angeles of natural causes. The younger Amos didn’t say why he kept his father’s death under wraps for more than a month.

“It is with heartfelt sadness that I share with you that my father has transitioned,” K.C. said. “He was a man with the kindest heart and a heart of gold… and he was loved the world over. Many fans consider him their TV father. He lived a good life. His legacy will live on in his outstanding works in television and film as an actor.”

Amos’ acting career spanned over five decades, with his most iconic role being that of James Evans Sr., the no-nonsense, hard-working father on the groundbreaking CBS sitcom “Good Times” (1974–1979). The show, which was the first sitcom to center on an African American family, became a cultural touchstone, and Amos’ portrayal of James Evans Sr. made him a symbol of strength and dignity for countless viewers.

However, his time on the series was cut short after three seasons due to creative differences with the show’s producers. Amos famously clashed with the show’s direction, objecting to what he saw as the stereotypical portrayal of his on-screen son, J.J., played by Jimmie Walker.

“We had a number of differences,” Amos recalled in later interviews, according to the Hollywood Reporter. “I felt too much emphasis was being put on J.J. in his chicken hat, saying ‘Dy-no-mite!’ every third page.” Amos’ insistence on portraying a more balanced, positive image of the Black family on television led to his departure from the show in 1976, when his character was written out in a dramatic two-part episode.

Born John Allen Amos Jr. on Dec. 27, 1939, in Newark, New Jersey, Amos began his professional life with dreams of playing football. He played the sport at Colorado State University and had brief stints with teams like the Denver Broncos and Kansas City Chiefs. But after a series of injuries and cutbacks, Amos transitioned to entertainment, beginning his career as a writer and performer.

Amos got his first major acting break as Gordy Howard, the good-natured weatherman on “The Mary Tyler Moore Show,” appearing on the iconic series from 1970 to 1973. He would go on to write and perform sketches on “The Leslie Uggams Show” and later landed roles in various television series and films.

In 1977, Amos received an Emmy nomination for his powerful portrayal of the adult Kunta Kinte in the landmark ABC miniseries “Roots,” a role that solidified his status as one of television’s most respected actors. Amos’ performance in “Roots”, one of the most watched and culturally significant TV events of all time, remains one of his most enduring achievements.

In addition to his success on television, Amos made his mark in films. He appeared in Melvin Van Peebles’ groundbreaking blaxploitation film “Sweet Sweetback’s Baadasssss Song” (1971) and “The World’s Greatest Athlete” (1973). He was widely recognized for his role in “Coming to America” (1988), where he played Cleo McDowell, the owner of McDowell’s, a fast-food restaurant parody of McDonald’s. Amos reprised the role over three decades later in “Coming to America 2” (2021).

His filmography also includes the Sidney Poitier and Bill Cosby classic “Let’s Do It Again” (1975), “The Beastmaster” (1982), “Die Hard 2” (1990), “Ricochet” (1991), “Mac” (1992), “For Better or Worse” (1995), “The Players Club” (1998), “Night Trap” (1993), and “Because of Charley” (2021).

Amos was also a familiar face on television throughout the 1980s, 1990s, and 2000s, with recurring roles in shows like “The West Wing” as Admiral Percy Fitzwallace, chairman of the Joint Chiefs of Staff, and “The Fresh Prince of Bel-Air” as Will Smith’s stepfather. He appeared in “The District,” “Men in Trees,” “All About the Andersons” (as Anthony Anderson’s father), and the Netflix series “The Ranch.”

Beyond acting, Amos had a passion for writing and performing in theater. In the 1990s, when he found it challenging to secure roles in Hollywood, he wrote and starred in the one-person play “Halley’s Comet,” about an 87-year-old man waiting in the woods for the comet’s arrival. He toured with the production for over 20 years, performing in cities across the United States and abroad.

In addition to his onscreen and stage accomplishments, Amos co-produced the documentary “America’s Dad,” which explored his life and career. He was also involved in Broadway, appearing in Carl Reiner’s “Tough to Get Help” production in 1972.

John Amos’ life and career were not without personal challenges. In recent years, he was embroiled in a public legal battle between his children, K.C. and Shannon, over accusations of elder abuse.

This unfortunate chapter cast a shadow over his later years. However, his legacy as a beloved television father and one of Hollywood’s pioneering Black actors remains untarnished.

Both K.C. and Shannon, children from his first marriage to artist Noel “Noni” Mickelson and his ex-wife, actress Lillian Lehman, survive Amos.

Photo of the Evans family from the television program “Good Times.” From left: Ralph Carter (Michael), BernNadette Stanis (Thelma), Jimmie Walker (J.J.), Esther Rolle (Florida), John Amos (James).

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Reading and Moving: Great Ways to Help Children Grow

NNPA NEWSWIRE — In these formative years, your little one will learn to walk, learn how to grab and hold items, begin building their muscle strength, and more. Here are some ways to facilitate positive motor development at home:

Published

2 months ago

September 9, 2024

Oakland Post

Council for Professional Recognition

Before a child even steps into a classroom or childcare center, their first life lessons occur within the walls of their home. During their formative years, from birth to age five, children undergo significant cognitive, motor, and behavioral development. As their primary guides and first teachers, parents, and guardians play a pivotal role in fostering these crucial aspects of growth.

The Council for Professional Recognition, a nonprofit, is dedicated to supporting parents and families in navigating questions about childcare and education training. In keeping with its goal of meeting the growing need for qualified early childcare and education staff, the Council administers the Child Development Associate (CDA). The CDA program is designed to assess and credential early childhood education professionals. This work gives the Council great insights into child development.

Cognitive Development: Building the Foundation of Learning

Cognitive development lays the groundwork for a child’s ability to learn, think, reason, and solve problems.

Read Together: One of the most powerful tools for cognitive development is reading. It introduces children to language, expands their vocabulary, and sparks imagination. Make reading a daily ritual by choosing age-appropriate books that capture their interest.
Play Together: Play is a child’s entry to the physical, social, and affective worlds. It’s a critical and necessary tool in the positive cognitive development of young children and is directly linked to long-term academic success.
Dance and Sing Together: These types of activities help young children develop spatial awareness and lead to improved communication skills. As a bonus, it’s also helpful for improving gross motor skills.
Invite your Child to Help you in the Kitchen: It’s a fun activity to do together and helps establish a basic understanding of math and lifelong healthy eating practices.
Encourage Questions: As children find their voice, they also find their curiosity for the world around them; persuade them to ask questions and then patiently provide answers.

Motor Development: Mastering Movement Skills

Motor development involves the refinement of both gross and fine motor skills, which are essential for physical coordination and independence. In these formative years, your little one will learn to walk, learn how to grab and hold items, begin building their muscle strength, and more. Here are some ways to facilitate positive motor development at home:

Tummy Time: Starting from infancy, incorporate daily tummy time sessions to strengthen neck and upper body muscles, promoting eventual crawling and walking. You can elevate the tummy time experience by:
- Giving children lots of open-ended toys to explore like nesting bowls, a pail and shovel, building blocks, wooden animals, and people figures.
- Hanging artwork on the wall that appeals to infants, including bold colors, clear designs, and art from various cultures.
- Providing mobiles that children can move safely and observe shapes and colors.
Outdoor Play: Provide opportunities for outdoor play, whether it’s at a park, playground, or in a backyard. Activities such as running, jumping, climbing, and swinging enhance gross motor skills while allowing children to connect with nature. Also, try gardening together! Not only does gardening promote motor skill development, but it offers many other benefits for young children including stress management, cognitive and emotional development, sensory development, and increased interest in math, sciences, and healthy eating.
Fine Motor Activities: Fine motor skills relate to movement of the hands and upper body, as well as vision. Activities that encourage hand-eye coordination and fine motor skill development include:
- Drawing and coloring
- Doing puzzles, with size and piece amounts dependent on the age of the child
- Dropping items or threading age-appropriate beads on strings
- Stacking toys
- Shaking maracas
- Using age-appropriate, blunt scissors
- Playing with puppets or playdough

This is the type of knowledge that early childhood educators who’ve earned a Child Development Associate credential exhibit as they foster the social, emotional, physical, and cognitive growth of young children.

Supporting Early Childhood Educators

Recently, a decision in Delaware has helped early childhood professionals further their efforts to apply this type of knowledge. Delaware State University, Delaware Technical Community College, and Wilmington University have signed agreements to award 12 credits for current and incoming students who hold the Child Development Associate credential.

Delaware Governor John Carney said, “I applaud the Department of Education and our higher education partners for this agreement, which will support our early childhood educators. Research shows how important early childhood education is to a child’s future success. This new agreement will help individuals earn their degrees and more quickly get into classrooms to do the important work of teaching our youngest learners in Delaware.”

Council for Professional Recognition CEO Calvin E. Moore, Jr., said his organization is honored to be a part of this partnership.

“Delaware and the work of these institutions is a model that other states should look to. This initiative strengthens the early childhood education workforce by accelerating the graduation of more credentialed educators, addressing the critical need for qualified educators in early childhood education. We have already seen the impact the work of the Early Childhood Innovation Center has brought to the children of Delaware.”

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Student Loan Debt Drops $10 Billion Due to Biden Administration Forgiveness

NNPA NEWSWIRE — The Center for American Progress estimates the interest waiver provisions would deliver relief to roughly 6 million Black borrowers, or 23 percent of the estimated number of borrowers receiving relief, as well as 4 million Hispanic or Latino borrowers (16 percent) and 13.5 million white borrowers (53 percent).

Published

2 months ago

September 9, 2024

Charlene Crowell NNPA Newswire Columnist

New Education Department Rules hold hope for 30 million more borrowers

By Charlene Crowell, The Center for Responsible Lending

As consumers struggle to cope with mounting debt, a new economic report from the Federal Reserve Bank of New York includes an unprecedented glimmer of hope. Although debt for mortgages, credit cards, auto loans and more increased by billions of dollars in the second quarter of 2024, student loan debt decreased by $10 billion.

According to the New York Fed, borrowers ages 40-49 and ages 18-29 benefitted the most from the reduction in student loan debt.

In a separate and recent independent finding, 57 percent of Black Americans hold more than $25,000 in student loan debt compared to 47 percent of Americans overall, according to The Motley Fool’s analysis of student debt by geography, age and race. Black women have an average of $41,466 in undergraduate student loan debt one year after graduation, more than any other group and $10,000 more than men.

This same analysis found that Washington, DC residents carried the highest average federal student loan debt balance, with $54,146 outstanding per borrower. Americans holding high levels of student debt lived in many of the nation’s most populous states – including California, Texas, and Florida.

The Fed’s recent finding may be connected to actions taken by the Biden administration to rein in unsustainable debt held by people who sought higher education as a way to secure a better quality of life. This decline is even more noteworthy in light of a series of legal roadblocks to loan forgiveness. In response to these legal challenges, the Education Department on August 1 began emailing all borrowers of an approaching August 30 deadline to contact their loan servicer to decline future financial relief. Borrowers preferring to be considered for future relief proposed by pending departmental regulations should not respond.

If approved as drafted, the new rules would benefit over 30 million borrowers, including those who have already been approved for debt cancellation over the past three years.

“These latest steps will mark the next milestone in our efforts to help millions of borrowers who’ve been buried under a mountain of student loan interest, or who took on debt to pay for college programs that left them worse off financially, those who have been paying their loans for twenty or more years, and many others,” said U.S. Secretary of Education Miguel Cardona.

The draft rules would benefit borrowers with either partial or full forgiveness in the following categories:

Borrowers who owe more now than they did at the start of repayment. This category is expected to largely benefit nearly 23 million borrowers, the majority of whom are Pell Grant recipients.
Borrowers who have been in repayment for decades. Borrowers of both undergraduate and graduate loans who began repayment on or before July 1, 2000 would qualify for relief in this category.
Borrowers who are otherwise eligible for loan forgiveness but have not yet applied. If a borrower hasn’t successfully enrolled in an income-driven repayment (IDR) plan but would be eligible for immediate forgiveness, they would be eligible for relief. Borrowers who would be eligible for closed school discharge or other types of forgiveness opportunities but haven’t successfully applied would also be eligible for this relief.
Borrowers who enrolled in low-financial value programs. If a borrower attended an institution that failed to provide sufficient financial value, or that failed one of the Department’s accountability standards for institutions, those borrowers would also be eligible for debt relief.

Most importantly, if the rules become approved as drafted, no related application or actions would be required from eligible borrowers — so long as they did not opt out of the relief by the August 30 deadline.

“The regulations would deliver on unfulfilled promises made by the federal government to student loan borrowers over decades and offer remedies for a dysfunctional system that has often created a financial burden, rather than economic mobility, for student borrowers pursuing a better future,” stated the Center for American Progress in an August 7 web article. “Meanwhile, the Biden-Harris administration also introduced income limits and caps on relief to ensure the borrowers who can afford to pay the full amount of their debts do so.”

“The Center for American Progress estimates the interest waiver provisions would deliver relief to roughly 6 million Black borrowers, or 23 percent of the estimated number of borrowers receiving relief, as well as 4 million Hispanic or Latino borrowers (16 percent) and 13.5 million white borrowers (53 percent).”

These pending regulations would further expand the $168.5 billion in financial relief that the Biden Administration has already provided to borrowers:

$69.2 billion for 946,000 borrowers through fixes to Public Service Loan Forgiveness (PSLF).
$51 billion for more than 1 million borrowers through administrative adjustments to IDR payment counts. These adjustments have brought borrowers closer to forgiveness and addressed longstanding concerns with the misuse of forbearance by loan servicers.
$28.7 billion for more than 1.6 million borrowers who were cheated by their schools, saw their institutions precipitously close, or are covered by related court settlements.
$14.1 billion for more than 548,000 borrowers with a total and permanent disability.
$5.5 billion for 414,000 borrowers through the SAVE Plan.

More information for borrowers about this debt relief is available at StudentAid.gov/debt-relief.

Charlene Crowell is a senior fellow with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org.