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Financial Literacy in the Workplace: Empowering Employees

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Financial literacy is a vital skill to have and understand, as it can dictate the way that you live your life.

If you’re stressed about your finances or are living paycheck to paycheck, it can be difficult to think about the possibility of saving money. Learning how to navigate your financial state and understanding how to manage your money can help you better your current financial situation, allowing you to work towards a more secure future. 

When people become educated about their finances, it can help to improve their overall quality of life, as well as give them more confidence in both their personal and professional lives. Follow along as we discuss the importance of empowering employees to become more educated on financial literacy.
The Importance of Financial Literacy

Financial literacy is the ability to understand and use different financial skills, such as knowing how to save and invest your money, as well as how to budget your money to create a more secure future for yourself. Financial literacy is an essential skill to have, and one that takes practice. Many people stress about their finances, and the root cause of that is due to a lack of understanding. 

Impact of Financial Resources for Employees 

Many companies have resources and educational tools available to their employees that they can use to learn more about money management and financial literacy. By encouraging employees to take steps towards utilizing the financial resources available to them, it can instill confidence in them as they will have the tools to understand their current financial situation, as well as how to work towards financial freedom.

Some resources that companies can implement include employee assistance programs (EAP) which can range from retirement planning guidance, debt counseling, and even providing access to financial planners. Retirement planning is essential to understand, as it allows employees to plan for their future and provide them with money to live off of after they retire. Understanding how to best invest into their retirement can put them on a better path, as they’ll learn how to invest and have more control over their investments as well. 

In addition to that, employers can offer debt counseling through online learning or through personal financial planners as a way to teach employees how to manage their money and decrease their debt. Learning about different types of loans to improve debt management can alleviate the overwhelming stress resulting from numerous expenses to be paid off.

Debt consolidation loans, in particular, offer a promising solution for employees grappling with multiple debts, as it combines all their outstanding balances into a single monthly payment, streamlining the repayment process and enhancing manageability.

Offering financial resources to employees to encourage them to learn about their financial health and work to improve it can help employees decrease the everyday stress they may feel, and help them feel more supported by their employer.

When employees feel supported, they are more likely to work harder and stay at the company longer than someone who doesn’t feel supported. When there is an effort to improve the life of employees coming from employers, it increases the overall retention a company has because that is seen as a company that cares about their employees.

How to Improve Money Management

A large part of understanding finances is knowing how to manage money. It’s important that when employees get their paycheck, that they break it down into needs, wants, and savings. Being able to create and stick to a budget can help to better improve money management, as well as create structure for them in their daily life.

Consider the 50/30/20 rule as a guideline for budgeting. This rule consists of setting 50% of monthly income into needs, 30% into wants, and 20% into savings. 

When it comes to needs, this can include expenses such as housing, utilities, food, transportation, and healthcare. These are essential expenses that should be expected to be spent each month. These expenses may fluctuate each month depending on the situation, but it’s important to write down all the essential bills so that when it comes time to pay, they’ll have the money to do so.

In addition to that, wants should also be factored into the budget. This can include anything that is nonessential, such as going out to eat, self-care, gym memberships, or even clothes shopping. 

When considering a budget for wants, make sure that the plan is realistic, so it’ll be easy to stick to it. Oftentimes people get strapped for money as a result of overspending on their wants without realizing it until it’s too late. In order to avoid that, it’s important to stay diligent about a budget and spending habits, and adjust those habits as needed to work for their lifestyle. The remainder of an employee’s paycheck, the 20% part of the budgeting rule, should be allocated to savings. 

Setting aside money strictly for savings can help pay off any debts, as well as serve as an emergency fund or can be put towards retirement planning. By establishing and following this budgeting guide, it can help employees to properly allocate their paycheck in order to ensure they’re not spending too much, and also are able to still have a liveable wage. 

It’s important to not only understand one’s finances, but also have the resources available to do so. Employers are now taking more measures to encourage employees to learn how to manage their money, how to invest their money, and how to reduce their debts through various educational resources.

As employees, it’s important to take advantage of any learning opportunities as it can improve the knowledge and skills one has, setting them up for a more secure future.

This blog was contributed to Workplace Fairness on May 31, 2023. Published with permission.


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Rutgers Strike Wins Big, But More is Needed to Change Higher Education

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After a five-day strike in April, members of the Rutgers faculty, graduate student, librarian, and clinician unions voted 93 percent to accept a new contract which included dramatic gains.

The strike was the first in Rutgers’ 253-year history, and remarkable in that all instructional workers walked out, including full-time faculty, grad workers, and adjuncts. Rutgers is the oldest large public university in New Jersey with 67,000 students.

The agreement includes big salary gains: 30 percent for the lowest-paid adjuncts in the first year, and 43 percent across the life of the contract, plus 33 percent raises for graduate teaching and research assistants. For adjuncts, it also includes multi-semester and multi-year appointments — a first — as well as professional development funding, binding arbitration for grievances, quicker and new paths to advancement, and a new title (we’re no longer “part-time” lecturers, but simply “Lecturers”).

The seeds of the decision to withhold our labor were sown several years ago. The executive board of the adjunct union was united in the belief that transformative contracts are only won through a massive organizing effort that credibly threatens a strike.

Bargaining: Open and United

While the university refused to recognize the merger (as we expected), the critical principle had been established: we saw ourselves as One Faculty, and demanded in the forthcoming contract campaign that management engage us that way.

That’s precisely what happened. We fought for open bargaining principles to shape negotiations, with considerable (if not complete) success. For example, management tried to limit our numbers at bargaining sessions. On one occasion, as our strike loomed, they refused to enter the room with 50 members observing our negotiations. We held firm, voted, and insisted that we’d only meet with our co-workers present. Ten minutes later, management entered the room to bargain with us.

We also negotiated across all job categories as if we were one bargaining unit: postdocs, grad workers, counselors, adjuncts, non-tenure track, and tenure track faculty. While management initially resisted this, eventually they acceded. Throughout the bargaining process, they seemed thrown off guard by our unity.

Another key element of maintaining unity was that the three faculty unions took our strike authorization votes at the same time. The energy for the strike was unprecedented: 80 percent participation among those eligible to vote, and 95 percent in favor. The effort to organize ourselves into a strike-ready workforce not only set the conditions for the gains we would make, but transformed our unions in the process.

Once the strike began, member participation on the picket lines and creative protests demonstrated our strength, and generated media attention and political pressure on the university. Student supporters of the union rewrote the 1961 Bruce Channel song “Hey Baby” to pressure university president Jonathan Holloway, singing, “Hey Holloway, I want to know, will you raise my wage?” It was very catchy, and went viral on social media. Our singing and dancing and vibrant picket lines garnered student and community support.

Debating the End

The day before the strike was called, New Jersey Governor Phil Murphy offered to host negotiations if we postponed the strike for 48 hours. We welcomed the support from the governor, but we refused postponement. The strike was where our power lived, and we could not halt it on promises of a better deal.

Once negotiations shifted to Trenton, engagement with the governor’s office was tricky. While the state came up with additional funds to support our demands, the governor also wanted us to end the strike to approve a “framework” for the contract. The framework was reached after grueling, week-long negotiating sessions designed to pressure both sides to move toward an agreement.

Right Call?

The unions’ leadership bodies ultimately called for a suspension of the strike, while the bargaining teams continued to negotiate the remainder of the contract. At the same time, we made clear that we would be willing to return to the picket lines if necessary — the strike was “suspended, not ended.”

This was a controversial decision, and it merits a debate. A sizable minority within the union’s governing bodies believed the strike was suspended at a time when the unions retained power to press for greater gains. They called for a delay in signing the framework to further discuss the matter over the weekend. But the governor was threatening to remove tens of millions of dollars he had previously committed if the framework was not agreed to that evening and the strike suspended.

Though it was never overtly stated, it was also suggested that were the framework not accepted that night, Rutgers would seek (and likely receive) an injunction declaring the strike unlawful, something it had not done to that point due to the governor’s request. Under this scenario, if the strike continued, adjunct faculty and perhaps other striking workers could have faced firings.

Whether the unions made the right choice in a highly fraught moment should certainly be debated. What is clear, however, is that without the decision to withhold our labor, few of the enormous gains we made would have been realized. In short, we learned that if you are not preparing to strike, you are not preparing to win.

More remains to be won, but for now, we celebrate our gains, and our historic strike that made them possible.

This is a portion of a blog that originally appeared in full at Labor Notes on May 11, 2023.

About the Authors: Bryan Sacks is the vice president of the Part-Time Lecturer Faculty Chapter AAUP-AFT Local 6324, the Rutgers adjuncts’ union. Michael Beyea Reagan is an adjunct at Rutgers University and a rank-and-file member of Local 6324.

Visit Workplace Fairness’ page on unions.


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Your Employer’s Responsibility to Diversity in the Workplace

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Initiatives that advance diversity, equity, and inclusion in the workplace have made meaningful differences in the workplace in the last five years. Equitable access to education and opportunity has been on the rise, and employers are reaping the benefits of hiring diverse talent. 

However, considerable barriers to workplace opportunities still exist. A recent Bureau of Labor Statistics (BLS) report found that, on average, people of color were more likely to be unemployed than their white counterparts, and that white and Asian adults were considerably more likely to hold a bachelor’s degree or higher than other races. 

Additionally, a 2020 BLS report found that 71% of people living with a disability faced a barrier to gaining employment. Amongst these barriers, their own disability ranked as the highest barrier, but 12.2% cited a lack of education or training, and 9.9% reported that workplaces did not provide the adaptable features they needed to work. 

These findings are troubling and speak to the continued effect that systemic inequality has on our society. However, as an employee, it’s hard to know what you can do to help. It’s unlikely that you will be able to change the underlying causes of inequity in society, and it’s easy to feel helpless when faced with hundreds of years of direct oppression and the overt effects of racism and ableism. 

However, you can make a difference in your workplace, and should start by understanding your employers’ responsibility to diversity in the workplace.

Non-Discrimination Acts

There have been a series of acts enforced by the Equal Employment Opportunity Commission (EEOC) since 1964. These laws make it illegal for employers to directly discriminate against employees based on their race, color, religion, sex, national origin, age, disability, marital status, or political affiliation. Unfortunately, workplace discrimination still happens. 

If you suspect that your employer isn’t holding up to their responsibility to avoid discrimination, you can take legal action to end the discrimination in your workplace. The process isn’t easy and is largely dependent upon what kind of business you work in. However, it is still in your best interest to  know your rights so you can file an official complaint to the EEOC

Proactive Steps

Despite the presence of non-discrimination laws, workplace discrimination still happens and often goes unchecked. A recent Vox report found that only 18% of claims made to the EEOC were successful, and the history of the EEOC is woefully underwhelming. 

This means that it is largely up to employers to make up their own guidelines when it comes to diversity in the workplace. As an employee, you can advocate for your organization to take proactive steps to ensure that your working environment makes a serious commitment to diversity. 

Community Leadership

One of the best ways to advocate for diversity, equity, and inclusion in the workplace is to form community leadership groups. Ideally, these groups should be made up of a diverse range of backgrounds and demographics. 

You will also need to establish clear ground rules before jumping into a community leadership initiative. These will help break deadlocks and will ensure your organization can move forward even if you have disagreements within the community leadership panels.  

Apprenticeships

Apprenticeship programs are a great way to draw more diverse talent to your organization. These apprenticeships are usually able to target specific, underrepresented groups, and will show that your organization has a strong commitment to diversity and inclusion. 

Education

Unfortunately, not everyone in your workplace will be receptive to initiatives that promote diversity. However, you must recognize that these folks may not have had great access to education themselves and simply haven’t learned about systemic biases. 

To overcome this, you should advocate for further education about diversity in your workplace. This means that your organization’s employees can avoid harmful microaggressions that undermine people’s sense of belonging, and your organization can work together to help promote a more just, diverse society. 

Employers have a responsibility to follow discrimination laws, and you can actively promote diversity in the workplace by advocating for new diversity-centric programs and re-education for folks who are a little behind.

This blog is printed with permission.

About the Author: Dan Matthews is a writer, content consultant, and conservationist. While Dan writes on a variety of topics, he loves to focus on the topics that look inward on mankind that help to make the surrounding world a better place to reside. When Dan isn’t working on new content, you can find him with a coffee cup in one hand and searching for new music in the other.


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At a Major Education Company, Freelancers Must Now Pay a Fee In Order to Get Paid

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Freelance workers everywhere are subjected to a wide variety of indignities and ripoffs. They are the workers who are most at the mercy of their employers’ whims, and least able to fight back. Now, into the pantheon of freelancer exploitation comes a truly jaw-dropping policy: Forcing freelancers to pay money in order to get paid. 

McGraw Hill (MH) is a multibillion-dollar educational publishing company, with thousands of employees and offices around the world. Beginning in October of last year, the company instituted a new policy for all of its freelancers and independent contractors?—?they are now required to pay a fee of 2.2% every time they file an invoice through the company’s invoicing system, called Fieldglass. (There is no other system, meaning the fee is mandatory.) In other words, if a freelancer does $1,000 of work for MH, they will be paid only $978. The other $22 will be taken as an ?“administrative fee.” 

In effect, the company has imposed an across-the-board wage cut on all of its freelancers and contractors, without having to come right out and say it. An email sent to all freelancers explaining the new fee offered this explanation: ?“McGraw Hill has chosen to align with market standards and transition to a Supplier funded model. The 2.2% Small Supplier fee included on your invoice supports labor market compliance, administrative tasks, and the Vendor Management System (VMS) associated with payment processes.” 

Likewise, the company says that under its new policy, the costs of MH complying with various laws and regulations are now being offloaded onto freelancers themselves. ?“Since October 2020, contractors providing services to McGraw Hill have been charged a fee to cover the cost of third-party vendors that help us ensure that each contractor meets the requirements needed to be classified as an Independent Contractor under various state laws and IRS regulations,” said MH spokesperson Tyler Reed. ?“We need to ensure that those classifying themselves as Independent Contractors are in fact contractors, according to state and IRS guidelines, otherwise there is a legal and financial risk to McGraw Hill and to the contractor.” 

State laws and IRS guidelines were around long before last October, so it is unclear why the company decided then that it was no longer able to bear the costs of compliance. Reed did not respond to that question. 

The new practice of charging workers the costs associated with normal company functions does not sit well with one longtime MH freelancer, who said that it felt indistinguishable from ?“wage theft.” 

“This will cost me a few hundred dollars over the course of this year?—?not the end of the world, but still, it’s a de facto pay cut,” the freelancer said, who asked to remain anonymous out of fear of reprisal. ?“But I can’t figure out what to do about it, except try to spread the word.”

Though the policy may be unfair, it does not violate any laws, according to the New York City Department of Consumer Affairs, and labor law experts. ?“It’s likely that these practices are legal. There is very little regulation of independent contractor relationships, which is precisely why many independent contractors need the rights and protections that come with being an employee,” said Laura Padin, a senior staff attorney with the National Employment Law Project. ?“It’s telling that McGraw Hill unilaterally imposed this fee on its freelancers. A true independent contractor would be setting or negotiating the terms and conditions of their work.”

The ability of a major company like MH to push its own costs onto its most vulnerable workers goes to the heart of the gross power imbalance inherent in the world of independent contracting. The company’s claim that its new fee is a move to ?“align with market standards” is dubious. Dave Hill, vice president of the National Writers Union, which represents freelance writers, said that such a mandatory fee is ?“certainly not the industry standard among freelancers working in media.” 

Nor is it the case that every invoicing platform charges freelancers a cut of their own invoice in order to pay them. Few people can say that more definitively than Matt Saincome, a longtime freelance writer, editor, and publisher of The Hard Times and other publications, who founded the invoice company Outvoice, which specializes in paying freelancers, and does not charge them a fee. Saincome called the MH fee ?“horrible,” and added ?“This is a pay cut.” 

“It’s not market standard to push admin or processing costs off on freelancers,” he said. ?“Employers already save money by using freelance work instead of W?2 employees. It’s shameful and wrong to ask freelancers to pay the already heavily reduced administrative costs related to working with them.” 

In America, the incentive for companies to offload their own costs onto their labor force is embodied in the very fabric of labor law governing the independent contractor relationship. It is, for example, why Uber drivers pay to maintain their own vehicles. Such arrangements are tempting for employers, but never benign from the perspective of workers, who are forced to accept less for no reason other than a lack of bargaining power. 

“Is this McGraw Hill’s 21st Century company store? No one should pay the boss in order to get paid,” said Larry Goldbetter, the president of the National Writers Union. ?“When McGraw Hill freelancers are ready, NWU will represent you and together, end this practice.”

This blog originally appeared at In These Times on March 24, 2021. Reprinted with permission.

About the Author: Hamilton Nolan is a labor reporter for In These Times. He has spent the past decade writing about labor and politics for Gawker, Splinter, The Guardian, and elsewhere.


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Service + Solidarity Spotlight: Support Staff Keep Our Students Learning

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Working people across the United States have stepped up to help out our friends, neighbors and communities during these trying times. In our regular Service + Solidarity Spotlight series, we’ll showcase one of these stories every day. Here’s today’s story.

Schools are communities that include students, teachers, administrators, families and, of course, support staff who keep the schools running. In a video, the California School Employees Association (CSEA) celebrates the contributions of school support professionals who have stepped up to the plate during the pandemic. “We can connect—we can connect with these families. We can hear them when they express what they’re going through, and we can reach out and help them,” said Maria Castillo, a CSEA member and health clerk at a California middle school. “I believe that we make a difference and that’s what we’re here for, to make that difference.”

This blog originally appeared at AFL-CIO on March 17, 2021. Reprinted with permission.

About the Author: Kenneth Quinnell  is a long-time blogger, campaign staffer and political activist whose writings have appeared on AFL-CIO, Daily Kos, Alternet, the Guardian Online, Media Matters for America, Think Progress, Campaign for America’s Future and elsewhere.


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Joe Biden Has a Golden Opportunity to Strengthen Public Education

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In picking Connecticut Commissioner of Education Miguel Cardona to be his nominee for U.S. secretary of education, President-elect Joe Biden appears to have made a Goldilocks choice that pleases just about everyone. People who rarely agree on education policy have praised the decision, including Jeanne Allen, CEO of the Center for Education Reform, a nonprofit group that advocates for charter schools and school choice, who called Cardona “good news,” and education historian Diane Ravitch, who also called the pick â€śgood news” because he does not seem to be aligned with advocates for charter schools and vouchers. Sara Sneed, president and CEO of the NEA Foundation, a public charity founded by educators, called Cardona an “ideal candidate,” in an email, and hailed him for “his emphasis on the need to end structural racism in education and for his push for greater educational equity and opportunity through public schools.”

But as Biden and Cardona—should he be approved, as most expect—begin to address the array of critical issues that confront the nation’s schools, there’s bound to be more of a pushback. Or maybe not?

After decades of federal legislation that emphasized mandating standardized testing and tying school and teacher evaluations to the scores; imposing financial austerity on public institutions; incentivizing various forms of privatization; and undermining teachers’ professionalism and labor rights, there is a keen appetite for a new direction for school policy.

Due to the disruption forced by the pandemic, much is being written and said about the need to â€śrestart and reinvent” education and a newfound appreciation for schools as essential infrastructure for families and children. With an incoming Biden administration, Democratic majorities in both chambers of Congress, and the influence of incoming first lady Jill Biden, a career educator, we may be on the cusp of a historic moment when the stars align to revitalize public schools in a way that hasn’t happened in a generation.

Among the promising ideas that appear to have growing momentum behind them are proposals to fund schools more equitably, to expand community schools that take a more holistic approach to educating students, to create curriculum and pedagogy that are relevant to the science of how children learn and the engagement of their families, and to reverse the direction of accountability measures from top-down mandates to bottom-up community-based endeavors.

In her email, Sneed praised Biden’s commitment to expand the community schools model to an additional 300,000 students. She said, “My hope is that his effort will bring community schools to every part of the country, including the American South which is so often under resourced.”

Where’s the opposition to these ideas?

In her farewell address to the Education Department, before she tendered her resignation with a mere 13 days left, outgoing secretary Betsy DeVos told career staff members to “be the resistance” to an incoming Biden administration, Politico reported. In her farewell letter to Congress, she urged lawmakers to “reject Biden’s education agenda,” according to the Washington Post.

Does anyone really think there are any federal officials who will heed this advice?

During her tenure, DeVos cut more than 500 positions from her department, 13 percent of its staff, and proposed enormous funding cuts to programs. Employees accused her of “gutting” their labor agreement, reported the Washington Post, and replacing it with new rules that stripped out worker protections and disability rights, among other provisions. Employee morale “plummeted” under her management, Education Week reported, and she threatened to suspend an employee who leaked her plan to slash the department’s resources.

In Congress, DeVos was constantly besieged—from her approval, which required a tie-breaking vote by Vice President Mike Pence, a historic first, to her contentious final in-person hearing. Her proposals to dramatically shrink federal spending on education went nowhere, and her many proposals for a federal school voucher program were never taken up by Congress.

American Federation of Teachers president Randi Weingarten captured most people’s sentiments when DeVos resigned, saying just two words: â€śGood riddance.”

Instead of taking up DeVos’s calls for “resistance,” Capitol Hill seems much more likely to welcome Biden-Cardona with open arms.

An “early test” for Cardona, as Valerie Strauss of the Washington Post reports, will be deciding whether or not to let states opt out of administering federally mandated standardized tests to every student. In 2020, DeVos had let states waive the mandate, but she announced she would enforce the requirement in 2021 should she remain in office.

As Strauss reported, should Cardona decide to waive the order, he would please a broad consensus, including state and local superintendents, teachers’ unions, state and local boards of education, and federal and state lawmakers “from both sides of the political aisle.” At least one national survey has found that a sizable majority of parents want the tests canceled.

Another potentially contentious issue will be Biden’s “pledge to reopen most schools” for in-person learning within the first 100 days of his administration. Attempts to reopen schools during a pandemic have caused teachers in many school districts to rebel by writing their obituaries, staging mock funeralsresigningcalling in sick, and organizing strikes and other labor actions.

However, the operative word in Biden’s pledge to reopen is â€śsafely.” His proposal rests on key conditions, including getting the virus under control in surrounding communities, setting health and safety guidelines recommended by experts, and providing sufficient funding to protect returning students, teachers, and support staff.

This is the complete opposite of Trump and DeVos, who simply demanded schools reopen and then did nothing to support the reopening process.

When a reporter from the Associated Press asked Weingarten to comment on Biden’s proposal to reopen schools, she replied, “Hallelujah.”

In his leadership of Connecticut schools, Cardona has taken a similarly non-ideological stance on keeping schools open in the pandemic, as Education Week’s Evie Blad explains in a video (beginning at 5:57), by “[encouraging] schools to keep their doors open” and “providing resources” and “support.” But he “never mandated” schools to deliver in-person instruction.

Congress, where Democrats have a small majority in the House and a razor-thin margin in the Senate, may be resistant to provide the necessary funding Biden wants. But as Education Week’s Andrew Ujifusa explains, Democrats are mostly united in getting a “big new relief package” passed and have a way to overcome Republican opposition using budget reconciliation.

On the issue of charter schools, vouchers, and other forms of “school choice,” which was DeVos’s signature issue, Biden has stated he does “not support federal money for for-profit charter schools,” and said they often “[siphon] off money from our public schools, which are already in enough trouble.”

Based on this measured stance, some, including Trump, have warned Biden would “abolish” charter schools and school choice, which is simply not true.

Cardona has taken a similarly evenhanded view of charters, the Connecticut Mirror reports. Under his leadership in Connecticut, existing charters were renewed while no new ones were approved. “Asked about charter schools during his confirmation hearing [for Connecticut commissioner of education],” the article notes, “Cardona said he’d rather focus his energy making sure neighborhood public schools are viable options.”

This is a refreshing change, not only from DeVos’s rhetoric for privatization, but also from previous presidential administrations, including Obama’s, that openly advocated for charter schools. It foretells that perhaps what Biden-Cardona might bring to the policy discussion over charter schools and other forms of school choice is some genuinely honest conversation rather than sloganeering about charters.

Where Biden and Cardona are most likely to encounter headwinds to their education policies are from Republicans stuck in the ongoing culture wars.

Eight days before a mob of Trump supporters, driven by the president’s tirades against losing reelection, broke into the nation’s Capitol, sent lawmakers into seclusion, and desecrated the building, Newt Gingrich, a former speaker of the House, reminded us that public education has long been a public institution in the crosshairs of right-wing ideologues. Asked by Guardian reporter David Smith, “where does the Republican party go from here?” Gingrich replied, “What you have, I think, is a Democratic party driven by a cultural belief system that they’re now trying to drive through the school system so they can brainwash the entire next generation if they can get away with it.”

Evidence of that “brainwashing” in public schools, supposedly, is the emphasis on the fully supportive inclusion of all students and protection of their civil rights that was behind many of the policy guidelines laid down by the Obama administration. DeVos rescinded many of those guidelines, but Biden has vowed to restore them.

Another source of potential discontent with the new energy that Biden and Cardona will likely bring to education policy are the holdovers of the “education reform” movement, who want to bring back in full force the top-down mandates from the Bush and Obama administrations, including charter school expansions, tying teacher evaluations to student test scores, and closing public schools based on their test scores.

For this crew, the central problem in education will always be â€śbad teachers,” and nothing but the most punitive accountability measures will do.

A case in point is a recent piece in New York Magazine extolling charter schools in which columnist Jonathan Chait writes that “the core dispute” in education politics is “a tiny number of bad teachers, protectively surrounded by a much larger circle of union members, surrounded in turn by an even larger number of Democrats who have only a vague understanding of the issue.”

In other words, if you don’t think cracking down on teachers and their unions is critical to improving schools, then you’re just not informed.

For decades, education policy has largely been a compromise between these two dominant factions of right-wing Republican ideologues and Democratic neoliberals, according to David Menefee-Libey, a professor of politics at Pomona College in Claremont, California. In a podcast hosted by journalist Jennifer Berkshire and education historian Jack Schneider, Menefee-Libey explains that charter schools and many other prominent features of federal education policy are the results of a “treaty” among these Republican and Democratic factions.

But as Menefee-Libey, Berkshire, and Schneider explain, in so many ways, the treaty has been broken, and after decades of attacks on public schools, we’re seeing the necessity of investing in public institutions, especially now, given the strains put on parents and communities by COVID-19.

“We are now at a point,” Menefee-Libey states, “where all of those large-scale, long-term public institutions are clearly at risk during the pandemic and the economic crash. [And] there are a lot of people [who] are discovering that maybe these institutions won’t automatically survive.”

Therein lies the golden opportunity for Biden on public education. Should he decide to go bold—not just by reopening schools with additional funding but also by proposing an ambitious investment in school infrastructure and community schools; not just by lifting burdensome accountabilities but also by actually listening to what teachers, parents, and students say they need for their schools to work; and not by trying to appease the tired, old arguments carried on by right-wing factions and reform fans in the Democratic Party—there is some likelihood he may get exactly what he wants. And that’s what our schools really need.

Source: Our Schools

This article was produced by Our Schools. 

About the Author: Jeff Bryant is a writing fellow and chief correspondent for Our Schools. He is a communications consultant, freelance writer, advocacy journalist, and director of the Education Opportunity Network, a strategy and messaging center for progressive education policy. His award-winning commentary and reporting routinely appear in prominent online news outlets, and he speaks frequently at national events about public education policy. Follow him on Twitter @jeffbcdm.


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How Were 46 Million People Trapped by Student Debt? The History of an Unfulfilled Promise

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The democratic principle of tuition-free education in our country pre-dates the founding of the United States. The first public primary education was offered in the Massachusetts Bay Colony in 1635, and its legislature created Harvard College the following year to make education available to all qualified students. Even before the Constitution was ratified, the Confederation Congress enacted the Land Ordinance of 1785, which required newly established townships in territories ceded by the British to devote a section of land for a public school. It also passed the Northwest Ordinances, which set out the guidelines for how the territories could become states. Among those guidelines was a requirement to establish public universities and a stipulation that “the means of education shall forever be encouraged.” After the nation declared independence, Thomas Jefferson argued for a formal education system funded through government taxation.

Jefferson’s vision took form over the course of more than a century, as state and local governments began creating primary schools and then high schools. The federal government became involved in higher education in the 19th century with the creation of land grant colleges and other institutions, used primarily to teach agriculture and education after the Civil War. These institutions created opportunities for people who had long been locked out of the learning process, including formerly enslaved African Americans and impoverished people of all races.

State universities and colleges rapidly expanded as well. By the middle of the 20th century, low-cost or tuition-free education was available in many American states. After the Second World War, the federal government once again turned to education to promote opportunities for its citizens and economic growth for all. The G.I. Bill paid educational expenses for 8 million people, without regard to individual wealth, which helped create a robust middle class and contributed to the vibrant growth economy of the 1950s and 1960s. While those opportunities were still denied to many people as the result of racism, efforts were underway to improve educational access for people of color.

The Reagan era ushered in a belief that government programs, including education, stood in the way of people’s dreams and should be severely cut back. Public goods came to be seen as investments, ones that were purely economic in nature. For these reasons, among others, a nation that had expanded publicly funded education for centuries decided to reverse course. Instead of funding higher education on the principle that it benefits us all, the country began shifting the cost to individual students.

In the 1950s, as part of the National Defense Education Act, student loans were created as an experiment in social engineering. Concerned about competition with the Soviet Union, policymakers wanted to increase students’ capabilities in math and sciences. To do that, the country needed more teachers. So, lawmakers offered loans to college students, with the opportunity to have half the loan canceled after 10 years if they became teachers.

The experiment failed. Researchers have not been able to prove that the student loan program led more people to become teachers, despite multiple attempts to do so. The experiment was also cruel. Over the years, the student loan program was expanded, with the claim that a student’s personal investment in their education was an “investment” that would pay off in higher wages. Banks and other private lenders were brought into the process and given considerable incentives and subsidies to issue student loans, without considering the burden being imposed on the student. This financial opportunity was given to banking interests that were already wealthy, with little thought of the resulting damage to an economically sustainable future.

Proponents of financializing the cost of higher education argued that it was cheaper to lend money to students than it was for federal and state governments to provide grants for their education, even after paying subsidies to the private sector for their loans. An entire industry grew up around this process. State and nonprofit guaranty agencies were created to insure the loans. These agencies got paid, no matter what: when loans were issued, when loans became delinquent, when borrowers defaulted, and when they collected on defaulted loans.

In response, most states created guaranty agencies so they could make money from people who needed to borrow to pay for ever-increasing tuitions and fees. Now, states had an extra incentive to cut funding for public higher education. Not only would they save on expenditures, but they could increase the need for students to borrow, which increased their revenue. In many cases, these guaranty agencies don’t handle the loans themselves. They pass the work on to private debt collectors who take collection fees and are aggressive in their handling of cases.

The system took on a life of its own. By the mid-1990s, student loans had surpassed grants in funding students’ higher education. But a system built on debt financing only works if borrowers pay back their loans. That led Congress to make the system even crueler with the Bankruptcy Amendments and Federal Judgeship Act of 1984, which exempted student loans from bankruptcy proceedings and subjected borrowers to draconian collection tools. These tools included wage garnishment without a court order and the seizure of Social Security checks and tax refunds. The Clinton and Obama administrations attempted to lessen the burden slightly by allowing the federal government to lend directly to students while introducing income-based repayment options, but the system’s fundamental cruelty remains unchanged today.

It is time to recognize that the cruel experiment in financing higher education through student loans has failed. It has captured 46 million people and their families in a student loan trap, including people who received vocational training, and has weakened the financial strength of higher education. Inescapable debt is a major driver of social collapse. It has made the racial wealth gap worse and weakened the entire economy, as debt holders are prevented from buying homes or consumer goods, starting families, or opening new businesses. It’s time to restore funds for higher education and cancel student debt for the victims of this failed experiment.

Learn more at Freedom to Prosper.

This article was produced by Economy for All, a project of the Independent Media Institute on September 15, 2020. Reprinted with permission.

About the authors:

Mary Green Swig is a senior fellow at the Advanced Leadership Initiative at Harvard University and co-founder of Freedom to Prosper.

Steven L. Swig is a senior fellow at the Advanced Leadership Initiative at Harvard University and co-founder of Freedom to Prosper.

David A. Bergeron is a senior fellow for postsecondary education at the Center for American Progress. Bergeron previously served as the acting assistant secretary for postsecondary education at the U.S. Department of Education.

Richard “RJ” Eskow is senior adviser for health and economic justice at Social Security Works. He is also the host of The Zero Hour, a syndicated progressive radio and television program.


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Trump attacks public education and pushes school privatization in State of the Union

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Donald Trump continued the campaign against public education as a public good in his State of the Union address, with a reference to “failing government schools” and a push for a federal education privatization plan in the form of “Education Freedom Scholarships.” That’s a giant voucher program that would give tax credits to people who give money for scholarships at private and religious schools—schools that may discriminate against LGBTQ kids or exclude kids with disabilities and special needs, for starters.

“Tonight, Donald Trump once again put the agenda of Betsy DeVos, the least qualified Secretary of Education in U.S. history, front and center in his State of the Union by renewing his push to divert scarce funding from the public schools that 90 percent of students attend into private school voucher programs,” National Education Association President Lily Eskelsen García said in a statement.

This article was originally published at Daily Kos on February 5, 2020. Reprinted with permission.

About the Author: Laura Clawson is a Daily Kos contributor at Daily Kos editor since December 2006. Full-time staff since 2011, currently assistant managing editor.

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An Upcoming Supreme Court Ruling Could Starve Public Schools—In Favor of Religious Ones

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Image result for Alice HermanOn January 22, the U.S. Supreme Court will hear Espinoza v. Montana Department of Revenue, a case that could result in the massive expansion of public funding for private religious schools. The petitioners in the case—which will be litigated by the conservative law group, Institute for Justice—are asking that the court rule unconstitutional the denial of “public funds’ to religious schools, invoking the First Amendment “freedom of exercise” clause to defend the position. In the event that the court rules in favor of the petitioner, the result, argue its detractors, would be tantamount to a mandate for religious voucher programs in every state.

Through voucher programs and tax relief for private school donors, more than 20 states are already redirecting public funds into private education. Public schools, already strapped for resources, face increasingly limited budgets when public money is diverted to private schools. In Illinois, a so-called “school choice” state, public school teachers and staff went on strike for 11 days beginning on October 17  to demand support staff in every school and smaller class sizes. The Chicago Teachers Union has identified voucher programs as a cause of underfunding in the city’s public schools. Michelle Gunderson, an activist in the Chicago Teachers Union, says that in her school—where she teaches first grade—persistent underfunding, exacerbated by the state’s funding of private education, has led to unmanageably large classes populated by kids with high needs.

“I just had a teacher tell me that she was denied being reimbursed for headphones for one of her students who needs audiobooks because of a disability,” Gunderson says. “We can’t go through the siphoning off of our public funds into voucher systems.” Although vouchers are billed as a resource for low-income families, state-funded private-school scholarships do not always cover the full cost of school tuition, and families who cannot afford to make up the difference cannot ultimately make use of the programs. The programs, Gunderson says, “[end] up subsidizing the schooling of fairly wealthy children.” In fact, in Illinois, up to 28 percent of state scholarships for private education went to middle- and upper-income students in 2018. The upcoming ruling could result in the expansion of similar programs throughout all states.

The origins of the Espinoza case lie in a December 2018 Montana court ruling that a state tax credit program incentivizing charitable donations to private school scholarship funds could not be applied to scholarships for religious schools. The Montana Supreme Court held that the state-implemented tax credit could only be applied to non-religious private schools, per a “no-aid” clause in the state’s amendment—so the petitioners appealed to the U.S. Supreme Court. In the event that the Supreme Court rules in the plaintiff’s favor, public funding for private education will increase not only in Montana, but in the 37 states whose constitutions ban the provision of public funds for religious schools. Over 65 percent of private schools are religious, and of those schools, over 78 percent are Christian.

David Armiak of the Center for Media and Democracy pointed out the utility of the case to the right wing, which, he argued, “is increasingly embracing the Christian right.” To that end, Koch-funded organizations like the American Legislative Exchange Council (ALEC) have allied with the Christian legal groups pushing anti-LGBTQ litigation like the Masterpiece Cakeshop v. Colorado Civil Rights Commission’s ruling that allowed a bakery to refuse service to a gay couple. Because Espinoza could result in nationwide subsidies for Christian education, conservative Christian organizations have jumped on the case, filing five amicus briefs in the petitioners’ favor. The Institute for Justice, which is litigating Espinoza and has ties to both ALEC and the Koch brothers, has in the past pushed for publicly funded religious education in Ohio and Arizona.

The Espinoza case forms part of the broad conservative legal strategy to weaken labor and public education, which right-wing organizations have identified as electorally powerful—and progressive. Janus v. AFSCME, litigated by the Koch-affiliated National Right to Work Legal Defense Foundation (NRTWLDF) and the Liberty Justice Center (LJC), dealt a blow to public-sector unions across the country by mandating that union members in all states “opt-in” to pay union fees, starving unions of dues, their traditional source of funds. Janus, which was decided on June 27, 2018, marked the culmination of a decades-long effort by the Right to Work Foundation, Liberty Justice Center, and myriad other anti-labor organizations funded by Koch and Bradley Center money.

The Janus ruling has only animated the right-wing effort to undermine labor unions: Since the summer of 2018, conservative groups have hired canvassers to encourage union members to opt out of paying dues and sued unions for member payments made before Janus went into effect. The ongoing assault on labor has taken place alongside the gutting of public education; internal Bradley Center documents, reported by In These Times, described the organization’s aim to “defund teachers unions and achieve real education reform” at the same time. By stripping public schools of funding, while passing anti-labor laws, conservative groups intend to limit the organizing power of the left. One such bill, passed by the state of Wisconsin in 2011, simultaneously defunded Wisconsin public schools and deprived public sector workers of the right to collectively bargain. That piece of legislation, known widely as Act 10, has been replicated throughout the country.

Randi Weingarten is president of the American Federation of Teachers (AFT), which has filed an amicus brief in the Espinoza case. She pointed out, on a press call on January 16 that this case is spearheaded by “the Institute for Justice, which has collected tens of millions of dollars from the Waltons, the Devos’s, Charles Koch, the Lynde & Harry Bradley foundation.” The Walton Family Foundation, founded by the late Walmart owners Helen and Sam Walton, has funded multiple school privatization efforts, while Education Secretary Betsy DeVos’s family has long adopted school privatization as an ideological mission. Similarly, the Koch political network and  Lynn & Harry Bradley Foundation have both sustained anti-labor efforts around the country.

“If you peel back the layers,” she added, “you see that the real agenda here is to silence parents, to silence teachers, silence students, and silence those who are trying to make the public schools schools that our kids want to go to.”

This article was originally published at InTheseTimes on January 17, 2020. Reprinted with permission.

About the Author: Alice Herman is a writer based in Madison, Wisconsin, where she works at a restaurant. She contributes regularly to Isthmus, Madison’s alt-weekly, and The Progressive magazine.

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Matt Bevin becomes the latest red state Republican to find out you don’t mess with teachers

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One of the big fights that contributed to the downfall of Kentucky Gov. Matt Bevin was with teachers in his state. He insulted them, he went after their pensions, he blamed their activism for the death of a child, and, as he was losing on election night, a tweet saying “Hey @MattBevin, we finally found something you can accurately blame the teachers for” went semi-viral.

Kentucky was one of several states where teachers organized against Republican attacks and inadequate education funding. But have other Republicans (and other opponents of public education) been punished for their attacks on teachers and education? Not in every case—but often enough you’d think they’d start paying attention.

Also Tuesday night, in Denver, Colorado, where teachers went on strike earlier in 2019, teacher-backed candidates took a majority on the city school board, which had been dominated by supporters of corporate education policy.

In Oklahoma in 2018, 16 educators were elected to the state legislature. It’s Oklahoma, and nine of them were Republicans, but they were educators who ran as such. And the Republicans who opposed increased a tiny tax increase on fracking to raise teacher pay? They were overwhelmingly primaried out.

In fact, The New York Times reports that, more broadly, “The teachers’ movement has energized Democrats in red states, with record numbers of educators running for office. But it may have had an even greater impact on Republican politics. In primaries, it has picked off Republican legislators who opposed funding for teachers and schools. And it has convinced conservative leaders that voters, particularly suburban parents, are looking for full-throated support, and open pocketbooks, for public education.” That happened in West Virginia, where one of the most vocal Republican opponents of the teachers strikes there lost his 2018 primary to a more moderate Republican.

Arizona Republicans saw this coming and raced to co-opt education as an issue. To a significant extent they succeeded. Just one of six educators to run for state legislature in the state won her race, and Republican Gov. Doug Ducey was reelected. But educator Kathy Hoffman became the first Democrat elected state schools superintendent in more than 20 years.

Education funding was a significant part of the fall of former Gov. Sam Brownback in Kansas, and while 2018 Republican gubernatorial nominee Kris Kobach had a lot of baggage of his own, Brownback’s unpopularity and the prominence of education issues also helped boost now-Gov. Laura Kelly’s run.

Teachers may not have created a full Red for Ed wave at the polls since their uprising began, but they’ve made a mark. Tuesday night, Matt Bevin and Denver felt that.

This article was originally published at Daily Kos on November 6, 2019. Reprinted with permission.

About the Author: Laura Clawson is a Daily Kos contributor at Daily Kos editor since December 2006. Full-time staff since 2011, currently assistant managing editor

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