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	<title>Private Student Loans &#187; Private Student Loans</title>
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		<title>Susanne Mentzer: So You Want to Be an Opera Singer?</title>
		<link>http://www.huffingtonpost.com/susanne-mentzer/music-education-advice_b_1258727.html</link>
		<comments>http://www.huffingtonpost.com/susanne-mentzer/music-education-advice_b_1258727.html#comments</comments>
		<pubDate>Tue, 07 Feb 2012 19:05:40 +0000</pubDate>
		<dc:creator>Susanne Mentzer</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[Majoring in music entails major multitasking and focus and a particular skill set. Those who think it is easy are misguided as those who think we never landed on the moon.]]></description>
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        <p>Since it is that time when many young singers are applying and auditioning for college and grad school I thought I might lend some unsolicited advice.</p>

<p>After 12 years of teaching, six at Rice University's Shepherd School and six at DePaul University, I find the following thoughts quite helpful for prospective students:</p>

<p>1. Sing your best prepared and most comfortable song first. You never know if you will be asked for another. It should be something appropriate for your age. This tends to eliminate opera arias for freshman auditions.</p>

<p>2. Be sure you have rehearsed your piece with piano before your audition. Many times students make the mistake of learning a song without ever hearing the accompaniment. Once they arrive at the audition they get lost while singing.</p>

<p>3. Sing from your heart. Most schools are looking for a natural emotional connection as well as a good strong voice. We see through "staged" presentations. Remember that we all sing to express and thus need to communicate. The young singers who do this are always amazing and stand out. It is hard to teach someone how to emote true feelings while singing.</p>

<p>4. If you are singing in a foreign language you better well know how to pronounce it and what it means.</p>

<p>5. The people listening might not talk much or seem very welcoming. Do not let this affect you. They all want you to do well. </p>

<p><em>What should you look for in a school?</em></p>

<p>Some schools are more nurturing than others. Not every school or teacher is right for everyone but the voice teacher and you will have a four-year relationship so choose carefully. I feel it is also important to choose a liberal arts education by attending a university or college for undergrad and then a conservatory or professional school for your advanced degree. There is so much to be learned in a four-year college campus experience. Many people sadly poo poo liberal arts these days but one learns from just being in the environment and meeting new people. College years are a gift of time to mature, explore and narrow one's focus.  </p>

<p>Music is not well-learned out of context. It is important to know historical periods, foreign languages and literature. Many operas and songs are set to words from great literature, mythology, and more. It is important to understand what was happening at the time a piece was written and about the lives of the poets and librettists. </p>

<p>Grad schools also vary but normally a singer will choose to do intensive study with a particular voice teacher over the actual program of study. However, some may prefer to have more chances to perform so a school that has many performance opportunities is also a good choice. There is nothing like learning on one's feet. </p>

<p>Bottom line, a singer needs to invest in their vocal technique if they want to succeed. I transferred to Juilliard after two years at a liberal arts college. I often regret this as I lost out on the complete college experience. At that time there were no dorms. It was a hard life surviving in Manhattan, working three jobs and attending school full-time. I think I was too intimidated to learn. However, the irony is that my Juilliard degrees (I also completed my Master degree there) did give me a foot in the door when I wanted to start teaching. The degrees and my singing career were deemed equivalent to an advanced degree. </p>

<p>I love teaching. It is so satisfying when a student "gets it." My job is <u>not</u> to berate or beat down but to believe in and give a student the skills to eventually survive without me. My own technical challenges and singing career has helped me as a teacher. As a performer, I am more empathetic than some who teach theoretically. There are so many levels to singing and performing, conscious and unconscious and emotional. There is not just one way to sing. It is a joy to share what I have been fortunate enough to learn through experience.  </p>

<p><em>You are in. Now what?</em></p>

<p>Once accepted to a school, it is a major eye-opener to realize that the major you picked is so hard and time consuming. In high school, music is pure fun with not much at stake. It is a different ballgame when it comes to college when there is a risk of being put on academic probation and even losing scholarship money or being dismissed.</p>

<p>Most music majors generally must take or pass out of music theory, aural training, piano skills, music history and more. Vocalists have to take foreign languages, vocal diction (Italian, French, English and German), song and opera repertoire (from a 400 year period), opera workshop (acting, movement, presentation etc) as well as all the other required core courses in the university. It is a requirement to sing in large ensemble (choir) and to be willing to participate in opera productions.</p>

<p>Additionally, singers and instrumentalists need to have time to practice, just as an athlete works out. One's mind needs to be very calm and focused to do this so that there is no accidental injury. Overuse or wrong technique can cause many problems.</p>

<p>It is the core music curriculum that really can kick one's proverbial butt. Learning to read music is like learning a foreign language. For many it does not come easy and takes repetitive drilling. Each semester gets more advanced. Music students need to hear a piece of music written over the past 500 years and identify the composer and the time period and style. They need to hear music and notate what they are hearing onto sheet music. </p>

<p>Moreover, singers cannot put a finger on a pitch so they have to learn how to hear differently from instrumentalists. Rhythm is another hurdle. Sure everyone can pretty much keep a beat but to actually obey what a composer wants is another thing. Correcting miss-learned pitches and rhythms can be brutal. (I was horrible at rhythm and still have to be meticulous when I learn a new piece. One Juilliard coach had a picture of the Count from <em>Sesame Street</em> on the wall to remind us.) </p>

<p>At the end of each semester the students need to perform a jury from memory for the faculty, correct in style, phrasing, and expression. As a junior and senior they normally are required to give a recital which is normally 45-60 minutes of music with piano or other instruments, also from memory. The singer programs this him/herself. This requires hours of research and then writing program notes an translations. </p>

<p>Yes, I could go on. Majoring in music entails major multitasking and focus and a particular skill set. Those who think it is easy are misguided as those who think we never landed on the moon.</p>

<p>Good luck to all and sing from the heart!<br />
</p>
        
    ]]></content:encoded>
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		<title>University of Charleston: How we cut tuition by 22%</title>
		<link>http://money.cnn.com/rssclick/2012/02/07/pf/college/university_charleston_tuition/index.htm?section=money_pf_college</link>
		<comments>http://money.cnn.com/rssclick/2012/02/07/pf/college/university_charleston_tuition/index.htm?section=money_pf_college#comments</comments>
		<pubDate>Tue, 07 Feb 2012 12:46:01 +0000</pubDate>
		<dc:creator>College savings advice - CNNMoney.com</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[After seeing enrollment decline for the first time in a decade, the University of Charleston, in West Virginia, slashed tuition by 22% for the upcoming school year hoping to entice more students.]]></description>
			<content:encoded><![CDATA[After seeing enrollment decline for the first time in a decade, the University of Charleston, in West Virginia, slashed tuition by 22% for the upcoming school year hoping to entice more students.]]></content:encoded>
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		<title>Student loans: Hit a bull&#8217;s-eye with your FAFSA</title>
		<link>http://money.cnn.com/rssclick/2012/02/06/pf/college/student_loans_fasfa.moneymag/index.htm?section=money_pf_college</link>
		<comments>http://money.cnn.com/rssclick/2012/02/06/pf/college/student_loans_fasfa.moneymag/index.htm?section=money_pf_college#comments</comments>
		<pubDate>Tue, 07 Feb 2012 01:39:06 +0000</pubDate>
		<dc:creator>College savings advice - CNNMoney.com</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

		<guid isPermaLink="false">http://money.cnn.com/rssclick/2012/02/06/pf/college/student_loans_fasfa.moneymag/index.htm?section=money_pf_college</guid>
		<description><![CDATA[If you have a child headed off to college this fall, you've got an important item on your to-do list: the Free Application for Federal Student Aid (FAFSA), which you can submit as early as Jan. 1.]]></description>
			<content:encoded><![CDATA[If you have a child headed off to college this fall, you've got an important item on your to-do list: the Free Application for Federal Student Aid (FAFSA), which you can submit as early as Jan. 1.]]></content:encoded>
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		<title>Whose income goes on the financial aid application?</title>
		<link>http://helpdesk.blogs.money.cnn.com/2012/01/30/whose-income-will-go-on-my-grandsons-financial-aid-application/?section=money_pf_college</link>
		<comments>http://helpdesk.blogs.money.cnn.com/2012/01/30/whose-income-will-go-on-my-grandsons-financial-aid-application/?section=money_pf_college#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:39:16 +0000</pubDate>
		<dc:creator>College savings advice - CNNMoney.com</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[]]></description>
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		<title>Northwestern Kellogg to shrink two-year MBA program</title>
		<link>http://management.fortune.cnn.com/2012/02/06/northwestern-kellogg-to-shrink-two-year-mba-program/?section=money_pf_college</link>
		<comments>http://management.fortune.cnn.com/2012/02/06/northwestern-kellogg-to-shrink-two-year-mba-program/?section=money_pf_college#comments</comments>
		<pubDate>Mon, 06 Feb 2012 19:20:39 +0000</pubDate>
		<dc:creator>College savings advice - CNNMoney.com</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

		<guid isPermaLink="false">http://management.fortune.cnn.com/2012/02/06/northwestern-kellogg-to-shrink-two-year-mba-program/?section=money_pf_college</guid>
		<description><![CDATA[The school plans to put less of an emphasis on its traditional two-year degree program as part of a sweeping strategic review at the school.]]></description>
			<content:encoded><![CDATA[The school plans to put less of an emphasis on its traditional two-year degree program as part of a sweeping strategic review at the school.]]></content:encoded>
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		<title>Adrián Aldaba: (Re)claiming Raíces: The Struggle Against Cultural Amnesia</title>
		<link>http://www.huffingtonpost.com/adrian-aldaba/reclaiming-raices-the-str_b_1253940.html</link>
		<comments>http://www.huffingtonpost.com/adrian-aldaba/reclaiming-raices-the-str_b_1253940.html#comments</comments>
		<pubDate>Sun, 05 Feb 2012 13:44:59 +0000</pubDate>
		<dc:creator>Adrián Aldaba</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[As college exposes us to exciting experiences and introduces us to new people, we must not forget our origins as we write our futures.]]></description>
			<content:encoded><![CDATA[
        <p>Working in the library the other day, I heard a Duranguense song playing through my ear buds. Duranguense - closely related to <em>banda, norteño,</em> and <em>tamborazo</em> - is a Mexican musical form born in the dance halls of Chicago. I grew up during the explosion of this music, hearing <em>Patrulla 81</em>, <em>Grupo Montez de Durango</em>, and <em>Alacranes Musical</em> among others over the Chicago Mexican radio stations. Duranguese music speaks to the immigrant experience charged with the nostalgia of a Mexico many left behind in search for a better life. As this music filled my ears, a surge of memories flooded my mind: the dancehall <em>quinceañeras</em> of my cousins, the music blaring at the <em>supermercado</em> where my mom worked, and the romanticized images of a Mexico I barely knew. </p>

<p>Overwhelmed with emotion, I thought these memories were a product of homesickness. Yet as I listened intently to the music in the library, a temple of knowledge, I realized it was something deeper. It was a clamor of my consciousness reminding me of my roots as a <em>Chicagüense</em>, of my experience growing up as a Mexican-American in Chicago. It is a call questioning how my <em>Méxicanidad</em> translates to being part of this new generation of educated Latina/os. Our generation calls for the creation of American Latino cultural capital. Yet how do we cultivate pride in our rich, vibrant, and multi-faceted Latino heritage and ensure its preservation when we are told to acculturate? More importantly, how do we teach and pass on a culture to future generations that is so heavily based on language and struggle? </p>

<p>Though I don't have many answers at the moment, I believe that it starts with the (re)claiming of one's <em>raíces</em>. We must not forget the rich cultural patrimony our parents share with us. I refer to cultural patrimony not as physical artifacts specifically, but as rich traditions, music, and language - smelling abuela's tamales at Christmas, learning how to dance Duranguense in our small kitchen, listening to the chisme of my Tias over coffee, and much more. </p>

<p>As college exposes us to exciting experiences and introduces us to new people, we must not forget our origins as we write our futures. Our diplomas will open doors and take us to places unimaginable; however we must not let them erase our past. It is now more important than ever that we remain cognizant of our <em>raíces</em> as we establish ourselves as the next generation of Latino leaders in the arts, sciences, and the humanities.</p>

<p>Our <em>Latinidad</em> is not a hindrance; it enriches our perspectives and facilitates our navigation through multiple spaces. Our family names embossed on our diplomas are testimony that "Educated Latino" is not an oxymoron. However, we must ensure that we pass down more than just our family name. We must incorporate the histories of our parents and our abuelos as we create our own. We must create culture in order to preserve it.</p>

<p>Our <em>cultura</em> will not die out.</p>

<p>With our degrees, we will work with our minds and not with our backs. However, our parents' work ethic remains ingrained within our consciousness as the sweat of their brow, a labor of love, paid for such a luxury. We are thus entrusted with the preservation and cultivation of those traditions they bestowed unto us. We must fight cultural amnesia. We must not forget.</p>

<p>In the meantime, I will write.</p>

<p>"I write to remember.<br />
I make rite (ceremony) to remember.<br />
It is my right to remember." [1]</p>

<p></p>

<p><br />
[1] Cherríe Moraga, A Xicana Codex of Changing Consciousness (Durham: Duke University Press, 2011), 81.<br />
</p>
        
    ]]></content:encoded>
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		<title>Rep. Joe Courtney: Don&#8217;t Let Student Loan Rates Double</title>
		<link>http://www.huffingtonpost.com/rep-joe-courtney/student-loans-interest_b_1252384.html</link>
		<comments>http://www.huffingtonpost.com/rep-joe-courtney/student-loans-interest_b_1252384.html#comments</comments>
		<pubDate>Fri, 03 Feb 2012 15:47:50 +0000</pubDate>
		<dc:creator>Rep. Joe Courtney</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[On 7/1/12, interest rates on subsidized Stafford student loans will double if Congress does nothing. Borrowers taking out $23,000 in loans will see their interest balloon by an estimated $5,000 over a 10-year repayment period.]]></description>
			<content:encoded><![CDATA[
        <p>Education should not be the province of the lucky few, but the right of every American with skill and determination. Given the opportunity to better themselves through higher education, individuals can provide for their families and strengthen our nation.  <br />
 <br />
A college degree is becoming more essential than ever. In 1980, the gap between the lifetime earnings of a college graduate and a high school graduate was 40 percent. In 2010, it was 74 percent. By 2025, it is projected to be 96 percent.<br />
 <br />
But with college tuition skyrocketing and the purchasing power of federal financial aid receding, the doors of opportunity are closing on more of today's students. This is driving young Americans to assume historically high levels of student debt and impeding their climb up the income ladder.<br />
 <br />
To put this in perspective, tuition rates at four-year colleges and universities have risen over 32 percent in the last decade, and last year Americans took out more than $100 billion in student loans for the first time in our history. Student loan debt now exceeds credit card debt in the United States, creating an immense burden that will last years after graduation. <br />
 <br />
The problem will only get worse if Congress does not act soon. On July 1, 2012, interest rates on subsidized Stafford student loans -- one of the few programs that is affordable for students and families -- will double, from 3.4 to 6.8 percent. In no uncertain terms, this would be another hit to middle-class and working-families, and a de facto tax increase on as many as 10 million people.  <br />
 <br />
According to the non-partisan U.S. Public Interest Research Groups (PIRG), if Congress does nothing, borrowers taking out the maximum $23,000 in subsidized student loans will see their interest balloon by an estimated $5,000 over a 10-year repayment period and $11,000 over a 20-year repayment period.<br />
 <br />
Now, students who took out loans have a responsibility to pay them back. But the government shouldn't balloon payments at a time when our economy is still struggling to climb back from the worst recession in generations.<br />
 <br />
To ease the financial challenge of paying for college, we have introduced <a href="http://thomas.loc.gov/cgi-bin/thomas" >legislation</a> in the House and the Senate to prevent interest rates on these student loans from doubling this year. Our bill would permanently cap Stafford student loan interest rates at a reasonable and consistent 3.4 percent for low-and moderate-income students.<br />
 <br />
Student loans should be an investment that pays off, and can be reasonably paid off. Failing to pass this legislation will make it harder for smart, hard-working Americans to join and stay in the middle-class.<br />
 <br />
Making college more affordable is key to unlocking America's economic competitiveness. Business leaders know it is vital for young Americans to get an education beyond high school. If today's students cannot afford college, businesses will not have the workers with the education and training they need to keep our economy competitive and dynamic far into the future.<br />
 <br />
Under President Obama's leadership, Congress overhauled the college student loan program -- ending a flawed system that gave away billions in federal subsidies to private banks that simply acted as middle-men and putting those taxpayer dollars directly in the hands of students to pay for their education.  <br />
 <br />
Now we need to take the next step and prevent this looming rate hike.  <br />
 <br />
Nothing contributes to America's economy or helps people overcome economic hardship and fulfill their promise more than a good education.<br />
 <br />
Making college more affordable is one of the best investments our nation can make in America's economic future.  <br />
 <br />
Lets stop this rate hike and ensure financial aid opportunities afforded today will also be available to future students. Please join us in this effort by contacting your Congressman or Senator and asking them to stop the student loan rate hike.  <br />
</p>
        
    ]]></content:encoded>
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		<title>Marybeth Gasman: Recycling Historically Black College and University Presidents: A Bad Idea?</title>
		<link>http://www.huffingtonpost.com/marybeth-gasman/recycling-hbcu-presidents_b_1243146.html</link>
		<comments>http://www.huffingtonpost.com/marybeth-gasman/recycling-hbcu-presidents_b_1243146.html#comments</comments>
		<pubDate>Fri, 03 Feb 2012 15:18:39 +0000</pubDate>
		<dc:creator>Marybeth Gasman</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[Strong, innovative leadership is absolutely essential at HBCUs.  Reconsidering where leaders come from and cultivating new leadership is necessary and vital to the future of these historic institutions.]]></description>
			<content:encoded><![CDATA[
        <p>Over the past few years, there have been quite a few presidencies open at Historically Black Colleges and Universities (HBCUs) providing opportunities for fresh, energized leadership. In many cases, the boards of these institutions have made excellent hires. Unfortunately, in some instances, HBCU boards of trustees have put their institutions in the hands of individuals who already had a chance to lead and made significant mistakes.  The recycling of college and university presidents is fairly common at both HBCUs and majority institutions. In both environments, strong presidents move from institution to institution and weak presidents make moves as well.  It's never a good idea to hire a recycled president with questionable ethics in fiscal matters or leadership.  However, given the current environment for HBCUs -- one that is often hostile toward them and entirely focused on accountability -- reinstating a president with a track record for disaster is even more dangerous.</p>

<p>Whenever I see these kinds of questionable hires at colleges and universities, I ask myself one question:  "If someone is unethical and mismanages the finances at one institution, why wouldn't they do it at another institution?"  Seems to me that people repeat both good and bad behavior -- especially when bad behavior is not acknowledged and confronted.</p>

<p>HBCUs need the best leadership possible in a climate that calls them into question almost daily.  And boards need to hire the very best individuals to lead HBCUs rather than recycling mediocre presidents with questionable pasts.  There are quite a few individuals interested in serving in the role of president at HBCUs who are being overlooked for a variety of reasons. Some overlooked candidates did not attend an HBCU and instead were educated at majority institutions. However, there are great examples of HBCU presidents who were educated at majority institutions.  For example, Beverly Daniel Tatum at Spelman College.  She attended Wesleyan, Bates, and Michigan but has provided excellent leadership at Spelman.  </p>

<p>Second, some overlooked candidates may have attended an HBCU as an undergraduate, but they have not worked extensively within the environment since they graduated.  Instead they have worked within majority institutions.  Here again there are good examples.  Charlie Nelms, the chancellor of North Carolina Central University is a case in point.  He attended the University of Arkansas-Pine Bluff as an undergraduate (and taught there briefly) but his administrative experience was gained at majority institutions.</p>

<p>In several recent HBCU presidential searches, there were candidates that had substantial higher education experience, but were overlooked because they 'were not familiar with the HBCU environment' or the board of trustees wanted to go with someone who 'had already been a president.'  There are risks involved in taking chances on the unknown, but perhaps risk is what is needed to turn around some of the struggling HBCUs.  How are HBCUs missing out by overlooking good candidates?  What new ideas could these candidates bring to the HBCU environment?  Yes, there are unique challenges within the HBCU setting given our nation's history, but candidates with a sincere interest, extensive higher education experience, and energy could provide substantial leadership for HBCUs.</p>

<p>There are also individuals who are eager to become HBCU presidents and are hoping to be mentored by current presidents.  They are young, dedicated, innovative and data-driven in their approach to leadership.  These individuals typically attended HBCUs but have been pursuing degrees related to higher education at majority institutions.  They are gaining an intellectual understanding of HBCUs as well as substantial higher education administration experience.  Although their experience is typically within the majority institutional setting, they have a commitment to giving back to their HBCU alma mater through leadership.</p>

<p>Many college and university presidents lead several institutions and do it successfully -- both in the majority and HBCU environments.  However, when these presidents are not successful or worse yet, when they mismanage institutions and abuse power, why do boards of trustees hire them again?  Strong, innovative leadership is absolutely essential at HBCUs.  Reconsidering where leaders come from and cultivating new leadership is necessary and vital to the future of these historic institutions.  Recycled leaders are beneficial when they are strong visionaries.  When they are not, colleges and universities suffer.<br />
</p>
        
    ]]></content:encoded>
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		<title>John W. McCarthy: When Democrats Listen to People of Faith</title>
		<link>http://www.huffingtonpost.com/john-w-mccarthy/democrats-people-of-faith_b_1251258.html</link>
		<comments>http://www.huffingtonpost.com/john-w-mccarthy/democrats-people-of-faith_b_1251258.html#comments</comments>
		<pubDate>Fri, 03 Feb 2012 01:32:00 +0000</pubDate>
		<dc:creator>John W. McCarthy</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[We Democrats always talk about being a &#34;big-tent&#34; party. Once again, Democrats have stuck to our roots, this time listening and acting when people of faith use their voice, striking a balance between the needs of women and a respect for religious communities.]]></description>
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        <p>We Democrats always talk about being a "big-tent" party, with room for all beliefs, opinions, and ideas. Our party's history has always been one of inclusion over exclusion, and that commitment to acceptance has proven one thing: we succeed because unlike Republicans, we are a party that understands when life is not black and white.  Once again, Democrats have stuck to our roots, this time listening and acting when people of faith use their voice.</p>

<p>On Jan. 20, 2012, the Department of Health and Human Services announced an exemption for religious hospitals, nonprofit organizations and faith-based universities, in their decision to require health insurance plans to cover preventative care.  After discussions with faith-based organizations, the administration has decided to give them an extra year to find a way to comply with a ruling that would ensure that women have access to contraception and other preventive care with no out-of-pocket cost, thus striking a balance between the needs of women and a respect for religious communities.</p>

<p>Mitt Romney has been telling us that he has never supported women's health coverage (unless you count all the times he did). While Mitt Romney is trying to figure out what he believes, President Obama has made incredible strides in terms of women's health.  He has made insurance companies stop discriminating based on gender, made sure that women can access mammograms and other preventative services at no cost, and is standing against Washington Republicans who want to roll back women's rights and access to the health care they need.</p>

<p>Once again, the Democratic Party and the Obama administration have shown that when people of faith speak, they listen. For far too long, insurance companies have refused to cover the health needs of the most vulnerable and charged unfair premiums, as if being female were a preexisting condition. The desire to see fair health coverage is a common goal of both the Democratic Party and people of faith -- a goal that was accomplished when we worked together. </p>
        
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		<title>Priyanka Jain: The Fail-Proof Investment: Advice From a 17-Year-Old Girl</title>
		<link>http://www.huffingtonpost.com/priyanka-jain/the-failproof-investment-_1_b_1250415.html</link>
		<comments>http://www.huffingtonpost.com/priyanka-jain/the-failproof-investment-_1_b_1250415.html#comments</comments>
		<pubDate>Thu, 02 Feb 2012 19:25:03 +0000</pubDate>
		<dc:creator>Priyanka Jain</dc:creator>
				<category><![CDATA[Private Student Loans]]></category>

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		<description><![CDATA[Educating girls is the most powerful investment anyone can make.]]></description>
			<content:encoded><![CDATA[
        <p>I am 17 years old. I have spent the last 13 years of my life in a classroom where I am able to learn about the world around me, question it, and change it. My education has empowered me to engage with the world in ways that never would've been possible without it. </p>

<p>But there is another girl, also 17 years old, who was unable to continue school after the age of 12. She was married off and pregnant by age 15, dependent on her abusive husband. When she decided to leave him, she was unable to get a job due to her lack of an education. Therefore, she cannot afford to send her own children to school. She must sell her body to pay for food, exposing herself to countless diseases, including HIV/AIDS.</p>

<p>But we can change this picture for the 515 million girls in the developing world. </p>

<p>Educating girls is the most powerful investment anyone can make. The statistics are staggering. 1 in 4 girls in the developing world is not in school. But a girl with an education marries four years later and marries with choice. She has 2 fewer children, and is three times less likely to contract HIV/AIDS, meaning her children won't suffer from the disease either. There is a direct relationship between the education of a mother and the health of her children. An education raises her salary by 25%, and she reinvests 90% of that back into her family, breaking the cycle of poverty. As Secretary Hilary Clinton said, educating girls is not only the right thing to do; it's the smart thing. </p>

<p>If 70% of the world's uneducated children are girls, why does less than 2 percent of every development dollar go towards our gender? Why is there still a stigma surrounding "feminism"? </p>

<p>The more I learn about this issue, the more my passion grows. Though the problem is huge, there are numerous opportunities for girls my age to make a real, tangible difference for the world. And as high school girls, our power is even stronger. We can help empower and educate our own generation, creating leaders for today and tomorrow.<br />
 <br />
I recently became a Teen Advisor for <a href="http://www.girlup.org" >Girl Up</a>, an initiative launched by the United Nations Foundation. We aim at engaging and raising awareness among hundreds of thousands of girls in America about the challenges that girls in developing countries face. I hope you will join me in learning from and supporting our peers across the world by joining our movement, giving a "high five," or attending a "Unite for Girls" rally in your area.</p>

<p>We can help change the futures of over 500 million girls. Educating a girl will immediately affect her life, soon her community, and eventually our world. </p>

<p>"Invest in a girl, and she'll do the rest." -The Girl Effect</p>

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