archive-org.com » ORG » I » INPIRG.ORG

Total: 343

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".
  • Higher Ed | INPIRG
    nationwide search for new ways to rein in college costs Read more about Groups target textbook prices to rein in college costs Student Loan Interest Rates to Double This July Thursday February 2 2012 By There s a countdown to an ominous deadline for college students across America When time runs out on July 1 2012 student loan interest rates will double for almost 8 million students Related topics Higher Ed Read more about Student Loan Interest Rates to Double This July Low Loan Interest Rates More Work Study Pushed by Obama Wednesday January 25 2012 By In the annual State of the Union Address President Obama proposed measures to bring relief to almost 8 million students who will see their student loan interest rates double on new loans starting July 1st 2012 Related topics Higher Ed Read more about Low Loan Interest Rates More Work Study Pushed by Obama Resource Higher Ed Save Student Aid Campaign Project Packet Download this resource for everything you need to know to organize the Affordable Higher Ed campaign on your campus Keep Reading about Save Student Aid Campaign Project Packet News Release Higher Ed College Students Subprimed Many of today s college students face unnecessary financial risks by relying on unregulated private student loans to pay for college with some students paying up to 18 percent interest Read more about College Students Subprimed News Release Higher Ed New Consumer Finance Chief Can Lower Student Debt Washington D C Today President Obama is taking a bold step to protect student consumers from financial tricks and traps by announcing a recess appointment of his well qualified nominee Richard Cordray to head the new Consumer Financial Protection Bureau The CFPB can improve private student loans as well as credit cards and debit cards issued on campus

    Original URL path: http://inpirg.org/topics/higher-ed?page=2 (2016-04-29)
    Open archived version from archive


  • Higher Ed | INPIRG
    Protection Higher Ed Risking Our Future Middle Class Young Americans face lasting damage from the dual crises in the financial sector and in personal finance making it urgent that Congress pass strong financial reform legislation Read more about Risking Our Future Middle Class Report Student PIRGs Demos United States Student Association Higher Ed Subpriming Our Students New Briefing Paper Says College Students Need Consumer Financial Protection Agency to Watchdog Risky Loans Read more about Subpriming Our Students Report Higher Ed Textbooks Course Correction The Student PIRGs conducted this study to determine how digital textbooks can live up to their potential as a solution Through a survey of 504 students from Oregon and Illinois and 50 commonly assigned textbook titles we confirm three fundamental criteria affordability printing options and accessibility We found that publishers digital e textbooks fail to meet these criteria and that an emerging form of digital textbooks open textbooks are a perfect match August 2008 Read more about Course Correction News Release Higher Ed Textbooks Congress Moves to Cut Textbook Costs in Landmark Bill Marking the first major federal action to curb the skyrocketing cost of college textbooks Congress approved legislation today that will bring down prices for millions of students Read more about Congress Moves to Cut Textbook Costs in Landmark Bill Report Higher Ed Cutting Interest Rates Lowering Student Debt Updated In 2007 Congress passed the College Cost Reduction and Access Act The bill included several provisions to lessen the burden of student debt including More than two billion dollars a year in additional funding for the Pell Grant program The Pell Grant helps more than 5 million lower income students each year A new Income Based Repayment program that allows student loan borrowers to repay their federal loans as a percentage of their income Reductions

    Original URL path: http://inpirg.org/topics/higher-ed?page=3 (2016-04-29)
    Open archived version from archive

  • Higher Ed | INPIRG
    country February 2005 Read more about Ripoff 101 2nd Edition Pages first previous 1 2 3 4 5 About Us Our Leadership Our Mission Accomplishments IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Student Consumer Action Network Sustainable U Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on experience and make a difference Get Info Students in Action Like Us Follow Us RSS Contact Students in Action Student leaders educate the campus about income inequality during National Hunger and Homelessness Awareness Week We collect petition signatures lots of them Hunger and Homelessness intern Roua Aboukhadijeh collecting interview footage on campus for a short film on poverty Students campaign for High Speed Rail Fast Trains ARE Cool Students volunteer at a local garden for the National Hunger Cleanup Volunteers wear the textbook mascot costumes to educate students about affordable textbook alternatives Students posing with the textbook Rebellion books We Want Cheaper TEXTBOOKS Textbook Rebel and Mr

    Original URL path: http://inpirg.org/topics/higher-ed?page=4 (2016-04-29)
    Open archived version from archive

  • Super PACs are Super WAC | INPIRG
    political equality But this out of control spending by businesses is undermining your political equality It allows economically successful people to directly translate this success into politics Let s get to some numbers now I know I know numbers are boring But this stuff is pretty important to show the scale of this problem 17 of all Super PAC money in 2010 and 2011 came from for profit business treasuries For profit Take that in for a minute This means these corporations are investing money that is helping them churn a profit 6 4 of the itemized funds raised by Super PACs since 2010 was secret money And based on month to month analysis the trend in secret money is going to skyrocket in the months leading up to the 2012 election Of all itemized contributions from individuals to Super PACs 93 came in contributions of at least 10 000 Only 726 individuals or 23 out of every 10 million people in the U S made a contribution of this size to a Super PAC More than half of itemized Super PAC money came from 37 people giving at least 500 000 See what I mean about those numbers This is a huge problem my friends And the craziest part is all this secret money In the Citizens United case the justices relied heavily on the importance of transparency for citizens to react to the speech of corporate entities in a proper way But if they re being secretive about it how are we supposed to react Research has confirmed that the majority of Super PAC fundraising actually comes from a small number of rich people and institutions Super PACs are in essence the catalyst for the 1 to put their influence unfairly into elections All of this completely violates one of the basic spirits of this country one person one vote the amount of money you have should not determine the amplitude of your voice in this democracy The entire system is bad for democracy rich individuals and institutions are picking the candidates for us and then even picking who will win the elections We are no longer voting for candidates we re voting for corporations that use puppets to get their agenda across The Supreme Court doesn t think that just because a corporation gives a ton of money to a candidate that this candidate will feel accountable to those donors This reasoning represents an extremely idealistic and unrealistic view of the world When a donor helps a candidate to win an election that candidate is likely to keep on the donor s good side in order to win more elections in the future All of this may seem a bit daunting but it s not I promise There are solutions Congress and state governments could require publicly traded corporations to receive shareholder approval of all political spending which is the norm in European countries that allow business spending in elections The Securities and Exchange Commission could require

    Original URL path: http://inpirg.org/blogs/in/super-pacs-are-super-wac (2016-04-29)
    Open archived version from archive

  • Democracy | INPIRG
    a difference Get Info Students in Action Like Us Follow Us RSS Contact Students in Action Student leaders educate the campus about income inequality during National Hunger and Homelessness Awareness Week We collect petition signatures lots of them Hunger and Homelessness intern Roua Aboukhadijeh collecting interview footage on campus for a short film on poverty Students campaign for High Speed Rail Fast Trains ARE Cool Students volunteer at a local

    Original URL path: http://inpirg.org/topics/democracy?page=1 (2016-04-29)
    Open archived version from archive

  • Today, CFPB to announce overdraft fee investigation, unveil "penalty box" disclosure, possibly end $39 lattes. | INPIRG
    policies how they market the plans and their impact on low income and young consumers The agency will solicit feedback from the public After years of standing by and watching banks ring up ever increasing overdraft fees in 2010 the old regulators the Federal Reserve FDIC and OCC finally were embarassed into issuing new rules partially protecting consumers The FDIC which was under stronger management probably pushed the others Since July 2010 those overdraft rules have limited some practices and required you to affirmatively opt in before being charged fees for the over priced standard overdraft protection product U S PIRG and other consumer advocates have contended that standard overdraft protection marketing continues to be unfair and deceptive After all if you are repeatedly asked to choose opt in to the most expensive and least favorable of three choices standard overdraft protection but not really offered either of two better choices the less expensive overdraft line of credit or transfer from savings options did you really ever have a choice While a few big banks notably Bank of America and Citibank either never charged or eliminated standard overdraft protection on debit transactions many others amped up the opt in marketing instead And while several banks have paid big penalties in lawsuits over re ordering practices one judge called Wells Fargo reordering a neat trick as he imposed a 203 million penalty only one of the old regulators the FDIC has really enforced rules that limit unfair overdraft fees and reordering practices But FDIC mostly supervises small institutions The new CFPB took over in July 2011 as primary supervisor and enforcer for the over 100 biggest banks Director Cordray s inquiry into checking account overdraft practices is an important step that will also require greater fee transparency so consumers are more aware of bank practices The rollout today will also propose a penalty box disclosure to appear on bank statements U S PIRG has also encouraged the CFPB to make all bank account fees more transparent and to require that bank fees on the Internet be machine readable smart disclosures so groups such as PIRG and others can easily download fee schedules and create localized comparison shopping guides Will banks simply turn to other newer fees Some might But others may grow more efficient and compete in the marketplace based on price and quality That will temper the impact of any fee increases by others And under the new CFPB s transparency rules consumers will be more aware of choices and choose more wisely too More on overdraft fees and why we need the new CFPB is here in our July 2011 report Ten Reasons We Need The CFPB Now How to avoid bank fees See our Bank Fee Tips Student Consumer Action Network Consumer Protection About Us Our Leadership Our Mission Accomplishments IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy

    Original URL path: http://inpirg.org/blogs/in/today-cfpb-announce-overdraft-fee-investigation-unveil-penalty-box-disclosure-possibly-end (2016-04-29)
    Open archived version from archive

  • Student Loan Interest Rates to Double This July | INPIRG
    the previous decade the number of students taking out loans to pay for college grew from one third to two thirds and the amount of student loan debt those graduates held surpassed 25 000 As states cut funding and federal student aid stagnates students and families who need to cover college costs turn to loans In the past five years federal leaders have made unprecedented investments in student aid to help students afford colleges The College Cost Reduction and Access Act passed in 2007 was one of these investments Beyond the creation of the Public Service Loan Forgiveness program as well as the Income Based Repayment program the new law gradually cut interest rates on subsidized Stafford loans which account for almost half of all federal student loans Subsidized Stafford loans are awarded to borrowers based on need and are subsidized because the federal government pays the interest on the loan while the student is enrolled The interest rate on this loan was cut from a 6 8 percent fixed interest in 2007 to 3 4 percent fixed interest through the 2011 2012 academic year Unfortunately unless Congress acts the interest rate cut is set to expire on July 1 2012 which would effectively DOUBLE the interest rate on subsidized Stafford loans back to a fixed 6 8 percent interest rate This rate hike could not come at a worse time It will make subsidized Stafford loans much more expensive at a time when college costs are soaring This year 43 states have reduced funding for public colleges on top of record tuition increases last year Decreasing state funding has driven tuition up sometimes by double digit percentages in some states Now beyond borrowing more to make up the difference subsidized Stafford student loan borrowers will also have to pay more in interest on their loan Almost half of all undergraduate subsidized Stafford loan borrowers take the maximum 23 000 allowable For those students next year borrowing new loans the double interest rate will cost them about 5 000 more in interest with a 10 year repayment period and about 11 000 more in interest with a 20 year repayment period Facing higher loan payments these borrowers will find it even harder to hit the ground running after graduation Without a new plan millions of students will pay a crushing 5 000 more on their student loan than they otherwise would That is why President Obama used his State of the Union to propose keeping these interest rates low We agree Students are already weighed down by state budget cuts struggling family finances and uncertain job prospects We applaud President Obama for his proposal to keep student loan interest rates low Now it s Congress turn Affordable Higher Education Higher Ed About Us Our Leadership Our Mission Accomplishments IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy Hunger and Homelessness Make

    Original URL path: http://inpirg.org/blogs/in/student-loan-interest-rates-double-july (2016-04-29)
    Open archived version from archive

  • Low Loan Interest Rates, More Work-Study Pushed by Obama | INPIRG
    President Obama for his proposal to keep student loan interest rates low If Congress does nothing students who takeout the maximum 23 000 in subsidized student loans will see their interest balloon to about an additional 5 000 over a 10 year repayment period and 11 000 over a 20 year repayment period In addition to loans many students work their way through college to keep their debt burden low However more full time students are becoming full time workers With the economic down turn it is getting harder for those students to find and continue employment Doubling the amount of work study jobs as proposed by the President will help support needy students willing to work hard make it to graduation Higher Ed About Us Our Leadership Our Mission Accomplishments IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Student Consumer Action Network Sustainable U Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on experience and make a difference Get Info Students in Action Like Us Follow Us RSS Contact Blog Posts by Campaign Make Textbooks Affordable Campaign Against Hunger and Homelessness Make Textbooks Affordable Stop Subsidizing Obesity Student Consumer Action Network Sustainable U 21st Century Transportation Affordable Higher Education Make Textbooks Affordable New Voters Project Newsroom Blog Media Hits News Releases Reports Resources Students in Action Student leaders educate the campus about income inequality during National Hunger and Homelessness Awareness Week We collect petition signatures lots of them Hunger and Homelessness intern Roua Aboukhadijeh collecting interview footage on campus for a short film on

    Original URL path: http://inpirg.org/blogs/latest-updates-blog/low-loan-interest-rates-more-work-study-pushed-obama (2016-04-29)
    Open archived version from archive



  •