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What Black student loan borrowers need to know about Biden’s new “Plan B” for debt relief

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The collective plan goals to provide significant relief to Black borrowers who rely more heavily on student debt than white families and who take longer to repay, the Biden-Harris administration says.

President Joe Biden announced his long-awaited Plan B for student loan debt relief on Monday, almost a yr after the U.S. Supreme Court struck down his original program. A White House statement said the new plan would supply “significant relief” to Black and Latino borrowers.

“We know that there are large racial disparities in the student loan program, with students of color more likely to borrow larger amounts and have greater difficulty repaying (their loans),” US Under Secretary of Education James Kvaal told the Grio. Additionally, he said, this system would have a “positive impact on the racial wealth gap.

“Most black borrowers have more than 10 years of debt out of school than they originally borrowed due to higher interest rates than repayments,” Kvaal explained. “We need to bring relief to anyone struggling with their student loans.”

What is Biden’s plan B?

The announcement includes five methods to “fix” the federal student loan program, including allowing debt forgiveness for borrowers who owe more today than after they began repayment, who’ve been in debt for 20 years or longer and who’re experiencing financial hardship.

President Joe Biden speaks within the Roosevelt Room of the White House, June 30, 2023, in Washington, D.C., as his administration works on a new plan to cancel student debt after the Supreme Court rejected his initial initiative. (AP Photo/Evan Vucci, File)

The Biden-Harris administration says the plan goals to provide significant relief to Black borrowers, who rely more heavily on student debt than white families and who take longer to repay their loans. Combined with existing federal government programs which have forgiven $140 billion in student loan debt for 4 million borrowers, the administration anticipates that greater than 30 million Americans will profit from some type of relief.

Borrowers who owe greater than the unique balance when interest payments begin can be eligible for federal student loan forgiveness, which Kvaal said amounts to about 25 million borrowers. This can be particularly vital for black borrowers who’re more likely to see their balances increase, According to to the Brookings Institute.

As for the debt relief program for vulnerable people, Kvaal said the Biden-Harris administration would consider health care costs or other “unusual family expenses.”

“We have a number of programs aimed at reducing payments or forgiving loans to people who are having trouble repaying their loans for a number of reasons,” he said. “But there are still many people who slip between these programs and struggle to repay their loans. These difficulties are intended to give us the flexibility to help additional people who really need it.”

Other plans announced Monday include the opportunity of debt forgiveness for borrowers who attended institutions that “failed to meet accountability requirements” or “failed to provide sufficient financial value to students.” These are educational institutions where the administration determines the offer of programs that don’t lead to paid work. Some institutions have been punished for being predatory lenders to students. Another principle of Plan B is to make efforts to be certain that existing programs can be found to those that qualify but haven’t yet applied.

When will student debt relief be granted?

While Plan B has been highly anticipated, particularly amongst black borrowers, it would not be implemented for several months. The next phase of the federal rulemaking process can be to allow the general public to provide comments on proposed programs before they change into policy.

The legal framework for the new program relies on the Higher Education Act, unlike the previous program under the HEROES Act, which was created in response to the economic hardships related to the COVID-19 pandemic and was rejected by the Supreme Court in June 2023.

Kvaal told the Grio day by day that the administration’s goal is to “finalize these plans” and “start providing student aid” by the autumn, likely just before Election Day on November 5.

Reactions to Biden’s student debt relief program

Although borrowers can have to wait somewhat longer, student loan advocates are praising Biden’s new plan.

U.S. Rep. Ayanna Pressley, D-Mass., said in an announcement that Plan B is “a powerful testament to borrowers across the country who have fought for economic justice and continued to advocate for student debt despite obstacles from the Supreme Court and Republicans.”

“While we will continue to press for further action that matches the scale of the crisis, this is a historic day and today’s announcement sets us on a path to ensure that more than 30 million borrowers and their families will receive life-changing student debt relief this year,” the statement continued.

Wisdom Cole, national director of the NAACP youth and college chapter, told the Grio that the president’s new plan is “a step in the right direction.”

Cole, one in every of the civil rights group’s lead negotiators in the course of the lawmaking process, said the administration “has hit a really great place.”

Wisdom Cole, National Director of the NAACP’s Division of Youth and College Affairs, leads a march from the U.S. Supreme Court to the White House after the U.S. Supreme Court struck down President Biden’s student debt relief program on Friday, June 30, 2023. (Kent Nishimura/Los Angeles Times via Getty Images)

“Eliminating runaway interest and people having a balance larger than they originally owed is definitely a key benefit,” Cole said. “Eliminating this will actually enable people to become home owners (and) business owners.”

A student debt relief advocate said Biden canceled the “largest amount of student debt in U.S. history” because advocates and community leaders organized and “made it a priority issue.”

“This is a phenomenal opportunity to invest in our community,” he said.

What’s not in Biden’s student debt relief plan??

Still, Cole acknowledged that the civil rights community had urged the federal government to go further. For example, a proposal to create more debt relief pathways for incarcerated Americans shouldn’t be included in Plan B.

“There are some areas we still need to explore,” he said. “Some people in this situation will never be able to repay this debt. Many of the proposals that we discussed and submitted to the Department of Education gave people a chance to really engage with this economic system.”

Cole said the federal government must proceed to “do more” to address “problems in higher education,” especially how much higher education costs have increased over the many years. “If we really want to solve this problem, we need to start talking about free college. We need to start talking about college affordability,” he said. “It’s a good, ongoing conversation.”

Referring to the November election, Cole said: “Young people want to make sure that their politicians actually keep their words because we have influence.”

He added: “It’s actually an opportunity to see the promises made being kept.”

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Politics and Current

FBI seizes New York Mayor Eric Adams’ phone ahead of expected indictment unsealing

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NYC Mayor Eric Adams indicted, NYC Mayor Eric Adams, theGrio.com

NEW YORK (AP) — FBI agents raided the official residence of New York Mayor Eric Adams and confiscated his phone early Thursday morning, hours before an indictment containing criminal charges against the Democrat was expected to be made public.

Adams was accused by a grand jury on federal criminal charges that remain sealed, in response to two people aware of the matter who spoke to The Associated Press on condition of anonymity because they weren’t authorized to debate the matter publicly.

Federal law enforcement officers were spotted entering the mayor’s Manhattan residence at dawn on Wednesday. Several vehicles with federal law enforcement banners were parked outside the residence.

“Federal agents showed up at Gracie Mansion this morning to create a spectacle (again) and take Mayor Adams’ phone (again). He has not been arrested and is eagerly awaiting his day in court,” Adams’ attorney, Alex Spiro, said in an announcement. “They are sending a dozen agents to retrieve the phone when we would gladly give it to him.”

The U.S. attorney’s office in Manhattan declined to comment on the investigation. Adams’ attorney and the mayor’s spokesman didn’t immediately reply to questions Thursday morning.

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In a videotaped speech released Wednesday evening, Adams vowed to fight all charges against him, saying he had been “targeted” in a case “built on lies.”

“I will fight these injustices with all my strength and spirit,” he said.

It was not initially clear what laws Adams was accused of breaking or when he would must appear in court.

The indictment ends a rare few weeks in New York, where federal investigators zeroed in on those closest to Adams, prompting a flurry of raids, subpoenas and high-profile resignations.

Federal prosecutors are believed to be pursuing multiple separate investigations into Adams and his senior associates, relatives of those associates, campaign fundraising and possible influence peddling throughout the police and fire departments.

In the past two weeks alone, town’s police commissioner and the varsity system’s superintendent have announced their resignations.

FBI agents seized Adams’ electronic devices nearly a yr ago as part of an investigation focused, no less than partly, on Adams’ campaign contributions and interactions with the Turkish government. Because the fees were sealed, it was unclear whether or not they were the identical.

On September 5, federal investigators seized devices belonging to the police commissioner, the faculties chancellor, two deputy mayors and other trusted figures each inside and outdoors City Hall.

They all denied any irregularities.

This article was originally published on : thegrio.com
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Kansas man who made shocking confession to neighbor while trying to dispose of body gets settlement 10 years after strangling teen; family outraged

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Sex Offender and Nephew of Kansas District Attorney Receives Sweetheart Plea Deal In the Killing of 16-year-old Black Girl

Registered sex offender Billy Dupree had been free for six months after he strangled a 16-year-old black girl named Deleisha Kelley in 2014, raped her, then drove her body across state lines from Kansas to Missouri, where he dumped her body.

Yet despite DNA evidence from semen and Dupree’s phone records, obtained in 2015, linking him to the crime, Dupree was not arrested and charged with first-degree murder until 2023.

Earlier this month, prosecutors offered him a deal that reduced the first-degree murder charge to involuntary manslaughter, the bottom level of murder. Kelley was not informed of the deal by his family.

Sex offender and nephew of Kansas district attorney gets good deal in murder of 16-year-old black girl
Billy Dupree (left) was allowed to plead guilty to involuntary manslaughter after initially being charged with first-degree murder within the death of 16-year-old Deleisha Kelley. (Photo credit: Kansas Department of Corrections and Kelley family)

It seems Dupree’s uncle is the district attorney for Wyandotte County, Kansas, the identical county where the trial was set to begin on Monday.

Mark Dupree’s office didn’t prosecute the case since it was handled by the Kansas attorney general’s office, however the trial was scheduled to happen in the identical courthouse, which is taken into account the district attorney’s “home turf,” the editorial said. Kansas City Star.

“Any suggestion that the judge or the Attorney General’s Office was in any way influenced by Mr. Dupree’s family ties is false,” a spokesman for the state attorney general’s office said. Fox 4.

Dupree was elected to the position of Wyandotte County District Attorney in August 2016 and was re-elected in 2020.

However, Kelley’s family believes Billy Dupree’s uncle was a serious reason he was allowed to plead guilty to manslaughter.

“They ripped off the scabs for nothing,” said her mother, Kellie Blewett. Kansas City Star“The system failed.”

Not only was there DNA and cellphone evidence linking Dupree to the murder, but his neighbor testified during a September 2023 hearing that Dupree knocked on his door on the morning of December 18, 2014, asking for help getting rid of the girl’s body.

“He said he had an underage girl there and that he had to kill her, strangle her,” the neighbor testified, according to the Kansas City Star.

The neighbor further testified that Dupree told him he “didn’t want to go back to jail if anyone found out he had sex” with one other underage girl.

The neighbor said he looked into Dupree’s apartment and saw a pair of feet protruding of his bedroom.

“I got out of there as fast as I could,” the neighbor said.

Kelley’s body was discovered in an abandoned garage in Kansas City, Missouri, on December 21, 2014, wrapped in a blanket. She was wearing only her underwear.

Investigation

It took several weeks for investigators to discover Kelley’s body, prompting them to search her cellphone call records, which showed she had made several calls to Dupree before her death.

Her last call was to 911, however it was never answered. Her cellphone records also showed she was inside 0.1 miles of Dupree’s residence.

At some point through the investigation, DNA from Dupree’s semen was found on Kelley’s body, further linking him to the murder.

He was summoned for questioning on January 28, 2015, six weeks after her murder – but was not arrested until eight years later, on January 4, 2023.

It then became clear to Kelley’s family that something was fallacious.

“Everything was known from day one — nothing happened,” Kelley’s uncle, Vinson Smith, told Fox 4 on the time.

“I’m sure we’re not the first family this has happened to, but that’s the most important thing. OK, I think we’re finally being heard, or something is being heard.”

But nine months later, prosecutors offered Dupree a plea deal that reduced the first-degree murder charge to manslaughter. They told the family the case was “old, so there’s no guarantee” of a conviction.

Dupree, 39, had been incarcerated since November 2020 for robbery, drug possession and deprivation of liberty, according to the Kansas City Star. He was previously imprisoned for child sex crimes, aggravated assault and criminal damage to property committed between 2003 and 2006.

The plea deal means Dupree could receive a 15-year sentence as an alternative of life. The Kansas City Star also reports that the brand new sentence will run concurrently with the one he’s currently serving, meaning he’ll only serve an extra 4 to five years. Sentencing will happen on November 22.

“I saw a bunch of bleach bottles in his trash,” his neighbor testified in September 2023, after telling jurors that Dupree asked him to help move the body. “I knew he was trying to clean up that shit.”

This article was originally published on : atlantablackstar.com
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Politics and Current

‘Politics Explained’: What Is the Electoral College? How the Way We Elect Presidents Is Like a Bad Family Barbecue

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You might think that in America, the winner is the one who gets the most votes in an election. But with regards to presidential elections, that is not true.

One need look no further than Al Gore and Hillary Clinton to see how the American way of electing presidents can disappoint most voters.

Under the Electoral College, each state receives a certain variety of delegates who vote on behalf of voters in elections.

A state’s electoral votes are determined by the variety of senators (2) plus the variety of House representatives, which is predicated on the state’s population. For example, California may have 54 electoral votes (52 House representatives plus two senators), but a smaller state like Maine will only have 4 electoral votes.

When you add up all the state delegates, there are a total of 538 electoral votes. The presidential candidate who receives a majority of the electoral votes — 270 — wins the election.

In most states, if a presidential candidate wins a majority of the popular vote, she or he wins all of the electoral votes in that state.

For example, if Kamala Harris wins 5 million votes in a single state and Donald Trump only wins 5.1 million votes, Donald Trump will receive a portion of that state’s electoral votes.

Within the Electoral College, each state constitutes a mini-election of sorts.

Here’s where things get a little tricky. Many people think the Electoral College system is not fair to larger, more densely populated states like California or New York, because in those states, one delegate has to represent so many individuals. The Electoral College gives smaller states with fewer people just as much power as larger states.

Imagine the Electoral College as one big family barbecue. One side of the family might say they need macaroni and cheese as their most important course. They’re a big group with many members, like the states of California and New York.

But there may be one other side of the family, a little smaller, like Arizona, Wisconsin, and Nevada. Because they’ve more elders, their opinions carry more weight. That means if enough elders want potato salad, it doesn’t matter that almost all of the family wants macaroni and cheese. The elders have the upper hand in influencing what’s served.

That’s just about how the Electoral College works. States like New York and California could have more and are more densely populated, but their votes don’t carry as much weight as swing states, which could have fewer people but more heavily weighted electoral votes.

That’s why candidates spend a lot time in places where the Electoral College votes are more heavily weighted and where the consequence isn’t predictable. The assumption is that a place like New York will vote Democratic and Texas Republican, but there is not any such guarantee in Wisconsin.

That’s why voters have to listen to the changes in laws happening across the country right before our eyes – like in Georgia, where a group of pro-Trump voters in power recently voted to have all votes counted by hand, and hundreds of thousands of votes that before the deadline set by the state for confirming the voteThis is a rule change that can likely decelerate election results.

If you’re wondering why the United States adopted the Electoral College despite criticism over the years, the history of slavery played a role. During the drafting of the Constitution, the states of the North and South agreed to the Three-Fifths Compromise, which meant that an enslaved person can be counted as three-fifths of a person. This compromise ensured that the South wouldn’t be outnumbered by the more populous North. Essentially, slave bodies might be counted for representation, although enslaved people couldn’t vote.

Maintaining the Electoral College system protected Southern interests.

So in the event you vote this 12 months, remember what was done then to preserve the establishment, and do not assume the lengths people will go to now to tip the scales of their favor.

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This article was originally published on : thegrio.com
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