BY CONNIE CASS, The Associated Press

No matter how many subjects they’re acing, most college students these days find economics a grind. Tricky financial calculations influence everything from what school they attend and what major they choose to how quickly they finish their degrees — or whether they graduate at all.

Money problems, not bad grades, are the reason cited by most college students who have considered dropping out, an Associated Press-Viacom poll finds.

Almost six in 10 students rely on loans to help with college costs, and nearly half who do say they’re uncomfortable with the debt. A majority of students at four-year colleges say they routinely feel at least a little worried about having enough money to make it through the week, according to the poll, conducted in partnership with Stanford University.

Scrimping has long been part of the college experience, of course, but tough times in the real world mean even tighter money on campus.

Recession-battered parents have less money to spend on their kids’ tuition. Jobs that used to be waiting upon graduation aren’t there anymore — consumed by the nation’s 8.8 percent unemployment rate. And college prices keep going up, as states struggle with budget deficits. Average tuition, room and board rose to about $16,000 at in-state public schools this year and $37,000 at private schools.

Most college students — 84 percent — need more than one source of cash to keep up, the poll of people ages 18 to 24 found.

About two-thirds say they work part-time or more to help pay for college. That’s supplemented by another popular source of funds: Mom and Dad. Six in 10 get help from parents. The same number rely on scholarships for part of the bill.

“For a while, I couldn’t find a job, and it was like, ‘How am I going to eat? And how am I going to get to school if I don’t have gas?’” said Allyson Bure, 20, a nursing student who works two part-time jobs, as a clerk at a Fashion Bug store and as a hotel housekeeper.

Like 57 percent of college students surveyed, Bure depends on student loans. Including debt she racked up at another school, she expects to owe about $52,000 by the time she finishes her associate’s degree at Trocaire College in East Aurora, N.Y. Then she hopes to transfer to a university.

Many students are uneasy about borrowing, with good reason. The U.S. Education Department says 7 percent of borrowers default within two years of beginning repayment on loans that can stretch for a decade or more. Average student loan debt tops $23,000.

Bure’s confident that she’ll earn enough to pay off her loans. She’s studying to become a nurse anesthetist, a job that can pay well over $100,000 per year. “I’ll be secure,” she predicts.

Despite the rising costs, 85 percent of students and recent grads say college is worth the time and money. In overwhelming numbers, they express satisfaction with the education they’ve received. And they have wide expectations for that education: Most say it’s very or extremely important that colleges broaden students’ knowledge and expand their minds, help them gain life skills, expose them to new experiences and train them for a career.

Nine out of 10 expect to find a job in their field. And for most, that’s the bottom line. Fifty-five percent say an education that focuses on success in the working world is more valuable than one focused on general knowledge and critical thinking.

With that pragmatic attitude, many treat education like a commodity to be shaped to fit their needs and budgets.

Most college students say cost was a big factor in determining where they applied and which school they ended up attending. A hefty majority — 86 percent — say it’s worthwhile to switch programs if you’re not getting exactly what you want from a school. A third said they added another major to increase their options after graduation.

Three-fourths say it’s more important to take the time to get exactly what they want from their education than to finish within the traditional four years, and a quarter who have finished took extra time.

On the other hand, lots of students are racing to the finish in order to save money.

About four in 10 college students hope to graduate in less than four years. To get a jump start, 58 percent of students took college-credit courses in high school. And about half earned credits at a community college before moving on to a more expensive bachelor’s degree program.

That’s what Falma Habbaba is doing. Once she’s finished two years at Cuyamaca College, she plans to transfer to nearby San Diego State University. Half of the college students surveyed, including Habbaba, hope to continue their educations beyond a four-year degree. In her case, it’s law school that beckons.

Habbaba, 18, has been relying on grants and a part-time job as a restaurant hostess to pay her way, and she worries about finding enough money to finish her schooling. But she’s optimistic that she’ll achieve career happiness. So are 94 percent of the college students surveyed.

For half of college students, money was a big factor in choosing what career to pursue. But more than one-fourth say that didn’t enter into their thinking at all.

“If you do what you love, you’ll be all right in life,” Habbaba said.

The AP-Viacom telephone survey of 1,104 adults ages 18 to 24 was conducted Feb. 18 to March 6 by GfK Roper Public Affairs & Corporate Communications. The margin of sampling error is plus or minus 3.5 percentage points.

Stanford University’s participation in this project was made possible by a grant from The Bill & Melinda Gates Foundation.

Associated Press writer Stacy A. Anderson, AP Polling Director Trevor Tompson, Deputy Director of Polling Jennifer Agiesta and AP News Survey Specialist Dennis Junius contributed to this report.

How the poll was conducted


The Associated Press-Viacom Survey of Youth on Education by Stanford University was conducted by GfK Roper Public Affairs & Corporate Communications from Feb. 18 to March 6. It is based on landline and cell phone interviews with a nationally representative random sample of 1,104 adults between 18 and 24 years old. Interviews were conducted with 603 respondents on landline telephones and 501 on cellular phones.

The sample included 253 African-Americans, 100 of whom were an oversample to have a sufficient number to analyze their responses as a group. Results were then weighted so that African-Americans reflected their correct proportion within the total sample.

Digits in the phone numbers dialed were generated randomly to reach households with unlisted and listed landline and cellphone numbers.

Interviews were conducted in both English and Spanish.

As is done routinely in surveys, results were weighted, or adjusted, to ensure that responses accurately reflect the population’s makeup by factors such as age, sex, education and race. In addition, the weighting took into account patterns of phone use — landline only, cell only and both types — by region.

For the African-American sample, the portion from the core survey and the oversample were weighted to reflect the African-American 18- to 24-year-old population on Hispanic ethnicity, educational attainment, region and age within sex.

No more than one time in 20 should chance variations in the sample cause the results to vary by more than plus or minus 3.5 percentage points from the answers that would be obtained if all 18- to 24-year-olds in the U.S. were polled.

There are other sources of potential error in polls, including the wording and order of questions.

The questions and results are available at http://surveys.ap.org.

 

AP-GfK Poll: Can Supreme Court be fair in health law case?

WASHINGTON (AP) — Many people in the United States doubt that the Supreme Court can rule fairly in the latest litigation jeopardizing President Barack Obama’s health care law.

The Associated Press-GfK poll finds only 1 person in 10 is highly confident that the justices will rely on objective interpretations of the law rather than their personal opinions. Nearly half, 48 percent, are not confident of the court’s impartiality.

“That lawsuit should have never made it this far,” said Hal Lewis, a retiree from Scranton, Pennsylvania.

“If they rule for the people who are bringing the suit, it could be close to the destruction of Obamacare in this country,” added Lewis, who once edited a local newspaper in his city.

Lewis is one of the relatively few people — 13 percent — who say they are closely following the case, called King v. Burwell.

Opponents of the law argue that as literally written, the law only allows the federal government to subsidize premiums in states that have set up their own insurance markets, also known as exchanges. Most states have not done so, relying instead on the federal HealthCare.gov website.

The Obama administration says opponents are misreading the Affordable Care Act by focusing on just a few words. When the legislation is read in context, it’s clear that lawmakers wanted to help uninsured people in every state, the administration maintains.

If the court sides with the plaintiffs, it’s estimated that 8 million to 9 million people across more than 30 states could lose coverage. They would be unable to afford their premiums without the subsidies, which are keyed to household income. A decision is expected late in June.

In a twist, the poll found that opponents of the law, who tend to be politically conservative, have less confidence in the objectivity of a court with a conservative majority. Among foes, 60 percent are not confident, compared with 44 percent of the law’s supporters.

“That is incredibly powerful that a court associated with conservative views is not well trusted by Republicans,” said Robert Blendon, who tracks public opinion on health care at the Harvard T.H. Chan School of Public Health. Blendon said the law’s opponents may be remembering the court’s 2012 ruling in which Chief Justice John Roberts cast the key vote to uphold the law.

Regardless of how the public feels about the court’s internal deliberations, a majority wants the justices to allow subsidies to continue flowing in all 50 states, an opinion in line with the administration’s position.

Fifty-six percent said the court should keep the subsidies without restriction, while 39 percent said the financial aid should be limited to residents of states that set up their own health insurance markets.

It’s less clear what people would want Congress to do if the court were to side with the law’s opponents. A ruling for the plaintiffs would invalidate health insurance subsidies in states without their own exchanges. Many of those states have Republican governors and legislatures that have resisted the health care law.

The poll found that a bare majority, 51 percent, wants Congress to amend the law to make it clear that people are entitled to help regardless of what their state leaders do.

But 44 percent prefer that Congress leave the law as is and let states decide whether they want to create insurance exchanges that would allow their residents to receive subsidies.

“It suggests there’s a political opening for Republicans to offer a way for people to continue receiving subsidies through some sort of state arrangement,” Blendon said.

State leaders would have to move fast. Some legal experts say it would be only weeks before the subsidies dry up; others say it’s possible the administration could continue payments through the end of this year.

Ethan Levesque of Augusta, Maine, said he is troubled by the federal law’s requirement that virtually all U.S. residents get health insurance or risk fines from the IRS.

“I feel like it should actually be the determination of the states to decide health coverage,” said Levesque, a customer service representative for a telecommunications company.

“There is definitely nothing wrong with health care whatsoever, but it’s the way that this has been presented to people that I have problems with,” he said.

The poll found sharp splits on whether Congress should intervene.

Two-thirds of Democrats think Congress should amend the law to save the subsidies, but only 31 percent of Republicans shared that view. Half of independents want Congress to update the law if necessary, while 41 percent think it should be kept as is.

Leading congressional Republicans have said they would step in to prevent health insurance markets from unraveling, but they have not spelled out details.

It’s estimated that 15 million to 17 million adults have gained coverage since the fall of 2013, when the law’s big insurance expansion began. But the nation is divided over Obama’s major domestic policy achievement.

The poll found 27 percent of Americans support the law, while 38 percent oppose it and 34 percent say they neither support nor oppose it.

___

The AP-GfK Poll of 1,077 adults was conducted online April 23-27, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 3.4 percentage points.

___

Online:

AP-GfK Poll: http://www.ap-gfkpoll.com


AP-GfK Poll: Immigration not a deal breaker for Republicans

By EMILY SWANSON  Associated Press

WASHINGTON (AP) — Americans are split down the middle on whether they would prefer to vote for a candidate who wants to keep or undo President Barack Obama’s executive action to let some immigrants living in the U.S. illegally stay in the country, according to a new Associated Press-GfK poll.

But even Republicans don’t necessarily see a candidate’s support for that action as a deal breaker for their votes.

The poll was conducted before former Secretary of State Hillary Rodham Clinton said Tuesday that she supports a path to citizenship and that, if elected president, she would expand the protections for immigrants laid out in Obama’s executive action.

Five things to know about public opinion on immigration:

HALF SUPPORT PATH TO CITIZENSHIP, LEGAL STATUS

Most Americans – 53 percent – say they favor providing a way for immigrants who are already in the United States illegally to become U.S. citizens, while 44 percent are opposed.

And although Clinton drew a stark line Tuesday between support for citizenship and support for legal status to stay, the poll shows that distinction makes little difference in people’s support for a change in immigration policy.

Among Americans asked if they favor a way for those already in the United States to stay legally, 50 percent were in favor and 48 percent opposed – not a significant difference from support for a path to citizenship.

DIVISION OVER OBAMA EXECUTIVE ACTION

Forty-nine percent say they’re more likely to support someone who wants to keep Obama’s immigration action in place, while 47 percent would rather vote for someone who wants to undo it, the AP-GfK poll shows.

That’s true even though most Americans support the policies that make up the executive action. Fifty-nine percent favor providing a way for immigrants brought to the United States illegally as children to stay legally, and 57 percent support allowing those who are in the country but whose children are U.S. citizens or permanent residents to stay.

Americans on both sides of the executive action issue are just as likely to say that they could imagine voting for a candidate who disagrees with them as say they could not.

NOT A DEAL BREAKER FOR REPUBLICANS

Even among Republicans, many say they could see themselves voting for a candidate who wants to keep Obama’s action in place.

Three-quarters of Republicans say they would prefer to vote for a candidate who would undo it, but a combined 55 percent would either prefer to support a candidate who would keep it in place or could imagine themselves voting for such a candidate.

Even among conservative Republicans, nearly half – 47 percent – could at least imagine voting for a candidate who would keep the action in place.

Significant minorities of Republicans – about 4 in 10 – support allowing immigrants brought to the United States as children, along with parents of citizens or permanent residents, to stay legally.

LINE IN THE SAND FOR HISPANICS

Three-quarters of Hispanics in the poll say that they would prefer to support a candidate who would keep Obama’s executive action in place, and a majority – 53 percent of Hispanics overall – say they definitely could not support a candidate who wants to undo it.

Eight in 10 Hispanics in the poll favor allowing those brought to the country as children, and those who are parents of citizens or permanent residents, to stay legally.

Hispanics are more likely to trust Democrats than Republicans on handling immigration, 36 percent to 21 percent. But nearly a third don’t trust either party on the issue.

Among all Americans, 30 percent trust Democrats more and 26 percent trust Republicans more, while29 percent trust neither party and 15 percent trust both equally.

MOST DISAPPROVE OF OBAMA’S HANDLING OF IMMIGRATION

Americans are more likely to disapprove than approve of how the president is handling immigration, 57 percent to 42 percent. That’s unchanged since the last AP-GfK poll early in February.

Fifty-seven percent of Americans call immigration a very or extremely important issue to them personally, up slightly since 52 percent in February.

Among Hispanics, 6 in 10 approve of how Obama is handling immigration. In October, before he announced the immigration action, only 3 in 10 did.

The AP-GfK Poll of 1,077 adults was conducted online April 23-27, using a sample drawn from GfK’s probability-based KnowledgePanel, which is designed to be representative of the U.S. population. The margin of sampling error for all respondents is plus or minus 3.4 percentage points. Some questions were asked of a half sample and have a higher margin of error.

Respondents were first selected randomly using phone or mail survey methods, and later interviewed online. People selected for KnowledgePanel who didn’t otherwise have access to the Internet were provided access at no cost to them.

Online:

AP-GfK Poll: http://www.ap-gfkpoll.com

Follow Emily Swanson on Twitter at: http://twitter.com/EL-Swan