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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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Missouri police officer fatally shot 2-month-old baby and her mother after relative called police for help, family says

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A Missouri family and community are mourning the tragic death of a 34-year-old woman and her infant daughter who were killed in an officer-involved shooting earlier this month.

Family members say Maria Pike and her 2-month-old daughter, Destinii Hope, were shot to death on November 7 after police were called to an apartment in Independence, Missouri, in response to a domestic disturbance.

Two-month-old Destinii Hope died together with her mother in an officer-involved shooting in Independence, Missouri on November 7, 2024. (Photo: Facebook/Talisa Coombs)

In the weeks for the reason that shooting, local law enforcement has released few details, but eyewitnesses have provided local media with their accounts of what happened.

said Talisa Coombs, the baby’s grandmother Kansas City Star that she was the one who called the police after a physical altercation with the kid’s mother. Family members say Maria Pike has had mental health issues, anger issues and most recently suffered from postpartum depression.

Coombs said that when she called the police, she thought authorities would arrive, arrest Pike and get her the assistance she needed. She told her son and Destinia’s father, Mitchell Holder, that she desired to press charges against Pike for assault.

When police arrived, Holder initially refused to allow them to inside, however the apartment constructing’s assistant manager persuaded him to let two officers inside.

Assistant manager Gavin Delaney told The Star that when police entered the apartment, Pike was sitting within the bedroom closet, holding Destinia, not doing or saying anything.

Destinia’s father, who witnessed the shooting, recounted the moments leading as much as the shooting to his sister, Ashley Greenfield.

Greenfield told The Star that when officers entered the apartment, she and Holder tried to take the baby from Pike as she moved from the closet to the bed. Greenfield stated that when Pike reached for an object on the nightstand, the officer shot the baby in the top while he was still in his mother’s arms.

Holder later recalled his horrified response to the shooting of “The Kansas City Defender.”

“They shot my baby,” Holder said outlet. “It looked like her head had exploded. Her blood splattered throughout my glasses and throughout me. All I could do was scream. I just kept repeating three words – the identical three words – “You killed her!” I screamed it. Time and time again.”

He added that Pike jumped after the primary shot and the officer opened fire on her.

Accounts vary as as to if Pike had a gun when officers entered the apartment.

Local news outlets reported that among the many few details police have released up to now concerning the shooting is that Pike was armed with a knife.

“When we arrived, officers encountered a woman who was ultimately armed with a knife,” said Independence Police Chief Adam Dustman. “As a result of this encounter, two people died, one was an armed woman and the other was a child.”

However, family members say otherwise. Before calling the police, Destinia’s grandmother stated that there have been no weapons in the home. Holder also said he never saw Pike holding a knife in the course of the encounter with police.

“Yes, I was in the room when it all happened,” Holder he said. “From what I saw, I never once saw Maria armed with anything. Honestly, I do not even know where that got here from. I heard crazy things like she held a baby hostage in a closet, that she had a knife, and all this crazy stuff that is not true. I mean, all I can say is that it’s possible she had a knife and I didn’t see it, but all I do know is that I never saw her holding anything – and I used to be there within the room.

Independence police said the investigation has been turned over to the Jackson County Police Involvement Investigative Team (PIIT), a team of detectives that investigates police shootings and use of force incidents.

Chief Dustman said just one officer, a “long-time law enforcement veteran,” fired in the course of the incident. The officer and two other people on the scene were placed on administrative leave.

Capt. Kyle Flowers, who heads the PIIT team investigating the shooting, said last week that investigators had reviewed body camera footage and planned to interview witnesses. According to KMBCthe team will turn over the findings of the investigation to the Jackson County Prosecutor’s Office, but Flowers didn’t specify exactly when that will occur.

Family members have called on authorities to release the body camera footage, which is able to hopefully reveal once and for all whether Pike was armed with a knife on the time of the shooting. They also call for punishment of the officers involved within the shooting.

“Why hasn’t the body camera footage been released?” Amber Travis, cousin of the victims, he said at a community vigil for Pike and her daughter. “Give my family a break.”

“It means a lot that the community feels the same way we do,” Holder he said. “It means the world. It won’t bring her back, but no less than we all know now we have loads of support here.

AND GoFundMe page was created to assist pay for Destinia’s funeral. As of Wednesday afternoon, greater than $3,000 had been raised.

On November 22, Destinii would have turned 3 months old.

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

Jasmine Crockett blasts Republicans for so-called white “oppression” over anti-DEI bill

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Jasmine Crockett, theGrio.com

On Wednesday, during a passionate speech before the committee, Sen. Jasmine Crockett, R-Texas, chided her Republican colleagues for the content of an anti-DEI bill that calls for eliminating all diversity, equity and inclusion programs and offices within the federal government.

Crockett, a 43-year-old congressional student who has change into a star within the Democratic Party because of her quite a few viral committee appearances, condemned the Dismantle DEI Act of 2024. The bill, H.R. 8706 – first introduced by Republican Vice President-elect J.D. Vance – essentially prohibit all DEI-related activities within the federal government, including all related positions, offices, training, and funding. Strikingly, the bill also prohibits federal employees working in DEI positions from transferring to a different federal position.

During a House Oversight Committee hearing wherein she responded to Rep. Clay Higgins, R-La., who repeatedly called DEI policies “oppression” — seemingly aimed toward white people, as many Republicans suggested — Crockett used the committee’s speaking time to criticize the suggestion that white individuals are oppressed in consequence of efforts to shut racial disparities in sectors resembling business, education, and health.

“You don’t understand the definition of oppression… I would ask you to just Google it,” said Crockett, who moments later read the dictionary definition of the word, adding: “Oppression is long-term cruel or unfair treatment or control, that’s the definition of oppression.” The congresswoman emphasized: “There was no oppression of the white man in this country.”

Referring to the history of chattel slavery and racial segregation within the US, the Texas lawmaker said: “Tell me which white men were dragged from their homes. Tell me which one was dragged across the ocean and that you will go to work. We will steal your wives. We will rape your wives. It didn’t happen. This is oppression.”

Attempting to further explain the importance of DEI, Crockett noted that she is barely the fifty fifth Black woman elected to Congress in its 235-year history, unlike the 1000’s of white men who’ve served on Capitol Hill.

“So if you want to talk about history and pretend it was that long ago, it wasn’t,” Crockett said, citing data showing that corporations perform higher and are more profitable after they are more diversified.

The anti-DEI movement, championed exclusively by Republicans, has led to several lawsuits invalidating federal programs, including debt forgiveness for Black farmers and business loans to Black and other disadvantaged businesses. Many states led by Republican governors have indicated that DEI – especially teaching about slavery and racism – is harmful to students, namely white students. In response, they banned such topics from public classrooms.

Jamarr Brown, executive director of Color of Change PAC, the political arm of the civil rights organization, said Congresswoman Crockett’s statements on DEI were “poignant and necessary.”

Jordan Brand amplifies Black storytelling with StoryCorps'

While the Dismantling DEI Act actually won’t be passed while Democrats control the Senate and President Joe Biden stays in office, it signals what may very well be a priority for Republicans next yr, as outlined within the pro-Trump “Project 2025” political manifesto “.

“According to Project 2025, diversity, equity and inclusion is synonymous with ‘White lives don’t matter,’” Brown noted. “Now more than ever, we at Color Of Change PAC, as well as advocates and activists across the country, must work to protect Black people and other people of color from harm resulting from anti-DEI attacks.”

Brown continued, “Civil rights protections have helped reduce mortgage discrimination, increase the number of Black physicians to counter problems such as Black maternal mortality, and provide financing for Black-owned businesses.”

He added: “Our country thrives and everyone benefits when diversity, equality and inclusion are valued rather than stifled.”

This article was originally published on : thegrio.com
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Why is Trump delaying signing the ethics agreement?

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Trump, election, Vanity Fair, cover


The campaign’s legal department reports that President-elect Donald Trump is stalling the presidential transition process by refusing to sign an ethics pledge that is legally required of each sitting president

Under the Presidential Transition Act, Trump and his transition team must sign a document ensuring he avoids any conflicts of interest once he takes office. Only after the document is signed and sent to the General Services Administration (GSA) can the incoming administration gain access to federal agencies.

The transition, which President Joe Biden has promised will likely be “orderly and peaceful,” sets the tone for the Trump-Vance administration’s approach to transparency, accountability and earning the trust of Americans, all of that are seen as essential to making sure the administration fulfills its responsibilities to the U.S. people mean .

The reasons for withholding Trump’s documents are unknown, but some speculate it has to do along with his latest financial disclosure reports and for one reason particularly. Many of his holdings might be considered conflict of interest red flags, equivalent to his latest cryptocurrency business, a majority stake in his social media platform Truth Social, real estate, books and licensing deals.

It’s not only the GSA that the president-elect is avoiding. According to , Trump also refused to make use of the State Department’s secure phone lines and interpreters and kept away from using the FBI’s security clearance system. That’s why House Democrats issued latest laws on November 19 requiring Executive Office employees to have FBI security clearances. If not, Congress will likely be warned.

Democratic lawmakers and powerful Trump opponents like Massachusetts Sen. Elizabeth Warren (D-MA) are baffled by his transition team’s refusal to sign an ethics agreement.

“Donald Trump and his transition team are already breaking the law. I would know because I wrote the law myself,” Warren wrote in X on November 11. “Future presidents are obliged to prevent conflicts of interest and sign an ethics agreement. This is what illegal corruption looks like.”

Skepticism towards the bill, presented by Representatives Don Beyer (D-VA) and Ted Lieu (D-CA)persists. The upcoming GOP-controlled Congress is seemingly leaning toward Trump. Once back in office, Trump will give you the chance to issue security clearances to anyone he wants, no matter the FBI’s objections or whether the person faces legal charges. This latest situation involves two of Trump’s Cabinet picks – Matt Gaetz as attorney general and Pete Hegseth as defense secretary, each of whom have faced allegations of sexual misconduct.


This article was originally published on : www.blackenterprise.com
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