Increased rates of delinquency, particularly among poor and minority citizens, also expose borrowers to job market discrimination. Some employers use credit checks as part of their hiring process, a practice that many argue is unduly burdensome and prevents Americans from getting the jobs they need to effectively pay off their student loans.
Political leverage is another factor separating the top 20 percent from the rest of America. The top quintile is equipped to exercise much more influence over politics and policy than its share of the electorate would suggest. Although by definition this group represents 20 percent of all Americans, it represents about 30 percent of the electorate, in part because of high turnout levels.
However, money still matters a lot, and it probably matters more on the local and state level than it does nationally. As McElwee notes, the donor class has sharply different ideological beliefs than the public at large. For obvious reasons, they tend to resist the tax increases necessary to pay for better services, and tend to support "centrist" austerity derp like the Bowles-Simpson program. In other words, they're more conservative.
About 94% of donors to Emanuel's campaign were white, even though white people comprise just 39% of Chicago's total population, according to the new report, from progressive think tank Demos. Emanuel's donors almost entirely (84%) gave large contributions of $1,000 or more. A staggering 80% of his donors had an annual income of at least $100,000 or more, despite just 15% of Chicagoans making six figures.
Mark Huelsman, a senior policy analyst focusing on higher education at the nonpartisan think tank Demos, is also critical of the Department of Education: “The problem that we’ve seen over the past year and a half is that the effort to ensure that Corinthian’s fall wasn’t a total catastrophe is not being met by the effort to make sure that the students who were defrauded — and we know now that they were defrauded — have a very easy, simple, expedited process for debt relief.” Forprofit colleges, he notes, make most of their money from the federal government either through student loans or
Adam Lioz, who is counsel and senior adviser for the campaign finance reform advocacy group Demos, agrees, telling Truthout he is confident that the president will select a nominee with a strong record on campaign finance reform, but is more worried about whether the president will be able to move forward any potential nominee at all.
But Sean McElwee recently argued for Slate that “No, Jeb Bush’s failed campaign doesn’t mean Citizens United doesn’t matter”:
Saying that money doesn’t matter in politics because Jeb didn’t win the nomination is like saying because all the advertising in the world can’t make prune juice the best-selling drink in the United States, it’s worthless for Pepsi to buy Super Bowl spots.
Further, African American students take out more loans — and more often — to finance their undergraduate education than any other ethnic group. A report by the public policy organization Demos found that 80 percent of black students take on debt, compared with 63 percent of white and Latino students. African American students also accrue more debt, at an average of $28,692, which is nearly $4,000 more than the average for all students. High dropout rates for African American students — 39 percent — exacerbate the problem, the report suggests.
That might prompt U.S. colleges to look to other countries for recruitment. Tuition from non-U.S. students can be as high as three times the rate paid by students attending their state colleges, according to The Journal. American families are increasingly struggling to pay college costs that have risen far faster than the rate of inflation.
The latest challenge of voting procedures contends the state’s system eliminates names of registered voters based on their failure to vote. The lawsuit naming Secretary of State Jon Husted specifically alleges the illegal cancellation of registered voters who are homeless.
Wednesday’s lawsuit was filed on behalf of two non-profit organizations, including the Northeast Ohio Coalition for the Homeless. Brian Davis, the director of that organization, said in a statement that homeless voters are illegally shut out of the democratic process because of Ohio’s recent purges.
The plaintiffs are asking the court to block Ohio from conducting purges in the future, and for the restoration of the illegally purged voters to the rolls.
Washington College’s initiative could encourage students to finish school, said Mark Huelsman, a senior policy analyst at Demos, a left-leaning think tank. “It’s certainly a good thing,” Heulsman said. “It can provide an incentive for students to complete and we know that the student debt crisis is fueled in large part by those who take on debt but don’t graduate.”
In a nutshell: Rahm Emanuel relied overwhelming on large donations from a very nearly exclusively white pool of donors — who also, as further analysis shows, largely live in the same few rich wards of the city (save for non-Chicagoans, as Emanuel also did a lot of fundraising outside the city). Even Garcia's donors were disproportionately white, though to a much lesser extent. "We expected going in there would be some demographic disparities," McElwee told The Week.
When Chicago Mayor Rahm Emanuel ran for re-election in 2015, his opponents accused him of representing the elite in a city starkly divided by race and class. A new analysis of campaign finance data shows that, at least from a fundraising perspective, the mayor’s support did indeed come largely from a narrow band of Chicago’s citizens.
"First, studies suggest that rights restoration decreases recidivism rates, by allowing returning citizens to fully participate in society," Sean McElwee, a research analyst for think tank Demos, previously toldMic. "Second, because numerous studies show that turnout is correlated with government transfers and responsiveness, voting rights restoration would force politicians to respond to returning citi
Some 63 percent of white students who graduate from public four-year colleges and universities borrow to do so, but 81 percent of black graduates go that route, according to a study of student debt by Demos, a public policy research organization. When it comes to associate's degrees, 57 percent of black students borrow, versus 43 percent of whites — and the black students borrow an average of $2,000 more.
Lobbyists are often frowned upon for doing the bidding of major corporations. A list of the organizations that spend the most on lobbying, maintained by the websiteOpenSecrets.org, is full of corporations like Boeing, General Electric, and AT&T, as well as associations like the National Association of Realtors.
Brenda Wright, an attorney with the public policy group Demos — which backed the lawsuit along with the Prison Policy Initiative — said the the litigation was aimed at getting localities to account for prisoners where it truly counts.
The ruling concluded that Cranston artificially inflated the population of Ward 6 by treating all inmates of the ACI as residents of the prison for redistricting purposes.
``I’m thrilled that our fight for equal representation has been successful,’’ said Karen Davidson, lead plaintiff, in a news release. ``Fairness in redistricting is a fundamental right and I’m glad the court has vindicated our claims.’’
Lagueux gave the city thirty days to redraw the districts.