federal government

How Fear and Ignorance Keep Working

Image via Suzanne Tucker/shutterstock.com

Image via Suzanne Tucker/shutterstock.com

How does this kind of mentality take hold of a state of nearly 30 million, at least to the point that the governor himself would take official action?

One word: fear. Actually two words: fear and ignorance.

Though it comes off as cartoonish and ridiculous to the typical onlooker, fear and ignorance are, in fact, powerful tools. And using fear based on a broadly shared perception — regardless of actual evidence — is something all too familiar to modern-day Christianity in the United States as well. And the reason it hangs around like heartburn after a double bean burrito is because it works.

Here’s how.

Forgive Us Our Debts

SARA WAS DESPERATE. She was fleeing an abusive husband, living with her mother in a mold-infested house, and she needed to rent an apartment. A recent college graduate, Sara had a job at a hospital that paid well and provided benefits. Apartment rent was within her means. But the background check came back to the landlord: “Do not rent.”

Sara (not her real name) was $22,000 in arrears on her student loans. The more she tried to pay the debt, the higher the interest rate climbed. Only after she filed for bankruptcy did she learn that none of her student loans were eligible for even the basic bankruptcy protection afforded other debts. At any time, the lender could garnish her wages—even to the point of making it difficult to pay basic living expenses, such as rent and utilities.

Sara is one of the new 21st century debtors, in financial bondage because they borrowed money for education. In 2014, the education debt in the United States totaled $1.2 trillion. More than 7 million borrowers are in default.

Why are education loans so difficult to manage? Credit card debtors often can transfer high-interest debt to another lender for a better deal. Car loan borrowers can walk away from the loan and allow the car to be repossessed. Homeowners can refinance their mortgage or, if all else fails, default and save their money for a rent deposit while the lender goes through the foreclosure process. As a last resort, these types of borrowers can declare bankruptcy and have their debts forgiven or reduced in a manageable payment plan. Bankruptcy courts will not allow debtors to be made homeless just because they can’t pay their creditors.

But if the borrower of an education loan is late with a payment or goes into default, according to Andrew Martin of The New York Times, the lender can levy penalties up to 25 percent of the balance and legally increase the interest rate to several times the original rate.

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What We Need to Do to Cut Poverty in Half in 10 Years

poverty
Perhaps the most important finding from the report is that we have both the experience and the policy tools necessary to cut poverty in half.

Between 1964 and 1973, under both Democratic and Republican administrations, the U.S. poverty rate fell by nearly half (43 percent) as a strong economy and effective public policy initiatives expanded the middle class.

Similarly, between 1993 and 2000, shared economic growth combined with policy interventions such as an enhanced earned income tax credit and minimum wage increase worked together to cut child poverty from 23 percent to 16 percent.

We can't do this alone.

BREAKING NEWS: Report Says Abuse is Part of "Institutional Culture" of U.S. Border Patrol


Sojourners statement regarding "No More Deaths" report on U.S. Border Patrol abuses: "As a Christian organization, Sojourners believe that all people, regardless of national origin, are made in the "image of God" and deserve to be treated with dignity and respect. We also believe that immigrants are our neighbors and that all life is a sacred gift from God. No More Deaths' report on abuse of immigrants in short-term custody is a chilling reminder that we have a long way to go to affirm a consistent ethic of life in our nation. The overcrowding, physical and psychological abuse, exposure to unsanitary conditions, and denial of food and water to immigrants held in custody of the U.S. Border Patrol must end. As Christians, we insist that all immigrants should be treated fairly and with respect, no matter what side of the border they live on. There are no excuses for such practices to continue, and we call on the Obama Administration to seek accountability for every documented case of abuse by the Border Patrol. The United States should lead by example in all measures of human rights. These numbers offer a stark contrast between the nation we claim to be, built and made better by immigrants, and the nation we are."

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