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-WE tv Poll: As women earn and learn more, traditional gender roles still drive dating scene

By JENNIFER AGIESTA, Associated Press

 WASHINGTON (AP) — Who ever said the dating game was logical?

 A new Associated Press-WE tv poll turns up all kinds of contradictions when people lay out their thoughts on dating, especially when it comes to money and gender roles.

 Seven in 10 of those surveyed say it’s unacceptable to expect a date to pay for everything. But most still say it’s a man’s job to pay for the first date.

Most say it’s OK to ask someone out because he or she seems successful. But even more say it’s unacceptable to turn down people because they haven’t had much success.

One-third think it’s OK to search for online clues about a potential first date’s success in life. But very few say daters should pay attention to each other’s finances before they are exclusive.

Overall, the traits that men and women rate as important hew to traditional gender roles.

Men and women agree that personality is the most important trait to consider when deciding whether to go on a first date with someone, and very few say money is a top consideration. Yet for men, a sense of humor outweighs intelligence, and they are more apt than women to prioritize looks. Most women place greater emphasis on a suitor’s financial situation and career ambitions.

It’s not just older people who feel that way. The differences are amplified among younger singles. About half of single men under age 45 say looks are a priority, while 70 percent of single women under 45 call career ambitions key.

There’s a clear gender gap on finances.

Men are less likely than women to say they’re comfortable dating someone who makes significantly more money than they do. Seventy-one percent of women would be comfortable in that situation, compared with 59 percent of men. Women are more wary of dating someone who earns less. Forty-three percent of men would be OK dating someone with a significantly lower salary, but just 28 percent of women would.

More broadly, uncoupled Americans are squeamish about dating those whose financial situations may not equal their own.

A shaky financial past is generally acceptable, and more say they’re comfortable dating someone who grew up in a poor family than in a wealthy one. But a questionable present inspires doubt.

Just 16 percent say they would be comfortable dating someone who is unemployed, and 23 percent say they would be comfortable dating someone with significant student loan debt.

Once dating turns to commitment and love, money is a bigger consideration for women when deciding whether to wed.

Among men who aren’t married or living with a partner, 84 percent say they’d marry someone they love regardless of whether she or he could provide financial security. Women are more cautious, with 61 percent would choose marriage for love without regard to financial standing.

Over time, Americans’ views on how women ought to balance family and career have shifted in favor of greater choice for women. But the poll also finds a more restrictive view on how men with a family ought to view their career, suggesting the rules many apply to dating continue once families are formed.

A Time/Yankelovich survey conducted in March 1978 found that about three-quarters of Americans felt women ought to put their husbands and children ahead of their careers and felt women with young children shouldn’t work outside the home unless it’s financially necessary. Now, about half hold those views.

But the AP-WE tv poll also found that half of Americans believe a man with a family has a responsibility to choose a higher-paying job over one that is more satisfying, compared with 42 percent who felt that way in 1978.

The poll was conducted in conjunction with WE tv ahead of the launch of the show “Mystery Millionaire.”

The poll was conducted May 16-19 using KnowledgePanel, GfK’s probability-based online panel designed to be representative of the U.S. population. It involved online interviews with 1,354 adults, including an oversample of 310 adults who have never been married. Results for all respondents have a margin of sampling error of plus or minus 3 percentage points.

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

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AP News Survey Specialist Dennis Junius contributed to this report.

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Online:

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


AP-GfK Poll: Sign-up success fails to translate into broad approval for Obama’s health law

By RICARDO ALONSO-ZALDIVAR and JENNIFER AGIESTA, Associated Press

 WASHINGTON (AP) — President Barack Obama celebrated when sign-ups for his health care law topped 8 million, far exceeding expectations after a slipshod launch. Most Americans, however, remain unimpressed.

 A new Associated Press-GfK poll finds that public opinion continues to run deeply negative on the Affordable Care Act, Obama’s signature effort to cover the uninsured. Forty-three percent oppose the law, compared with just 28 percent in support.

 The pattern illustrates why the health care law remains a favored target for Republicans seeking a Senate majority in the midterm elections.

 The poll does have a bright spot for the administration: Those who signed up for coverage aren’t reeling from sticker shock. Most said they found premiums in line with what they expected, or even lower.

But even that was diminished by another finding: More than one-third of those who said they or someone in their household tried to enroll, were ultimately unable to do so. For the White House, it’s an uncomfortable reminder of the technical problems that paralyzed the HealthCare.gov website for weeks after it went live last fall.

The example of business owner Henry Kulik shows some of the cross-currents of public opinion.

Kulik is disabled as a result of Lou Gehrig’s disease, a condition that destroys the brain’s ability to control muscle movement. His family runs several stores that sell ice cream and other summer refreshments in the Philadelphia area.

Kulik says he doesn’t believe the federal government should require people to carry health insurance, as the law does. And he can understand worries about the cost to taxpayers. On the other hand, he’s been able to slash what his family pays for health insurance by purchasing coverage through the law’s new insurance markets and by taking advantage of tax credits to lower the premiums.

Before the law, his family was paying $2,400 a month. Now it’s several hundred dollars. And Kulik says the insurance for himself, his wife, and three children is comparable to what they had before.

‘‘I think there is a lot of misinformation,’’ he says.

Obama’s health care law offers subsidized private coverage to middle-class people who have no health plan on the job, and it expands Medicaid to pick up low-income uninsured adults. But last fall’s launch of new health insurance markets was paralyzed technical problems. The debacle contributed to the departure of health secretary Kathleen Sebelius.

After Congress approved the law in 2010, a political backlash over its Medicare cuts, tax increases and new regulations helped Republicans win the House. This fall the GOP is following a similar strategy with the Senate at stake.

‘‘Republicans hold an advantage on this issue among people who feel strongly about it,’’ said Robert Blendon of the Harvard School of Public Health, who follows opinion trends on health care.

Still, just 17 percent of poll respondents said the law will be completely repealed. While that represents an increase of 5 percentage points from March, the poll found that 67 percent believe the health law will be implemented with changes, whether major or superficial.

In Walhalla, South Carolina, digital publisher Greg Freeman says he’s no big fan of the president. But now into his late 30s, Freeman thought it would be a good idea to get health insurance through the new law. It took several tries to navigate the federal enrollment website, but Freeman says he’s generally satisfied. His main complaint is that his new doctor is about an hour away, in a bigger town to the east.

‘‘I can see if some of the kinks can be worked out this could be a very positive thing in the long run,’’ Freeman said. ‘‘We should be in a position to be healthiest country in the world.’’

The poll found that sign-up success translated into higher approval for the health care law. Among those who succeeded in purchasing coverage, 51 percent back the law, compared with 30 percent among those who tried to sign up and weren’t successful.

In the tiny coastal Oregon town of Reedsport, locksmith Marvin Plunkett says he’s disappointed that public opinion about the law remains so negative. He was able to gain coverage through the state’s expanded Medicaid program.

Plunkett recalled former Alaska Gov. Sarah Palin’s discredited charge that the law would set up ‘‘death panels’’ to judge whether seniors should receive medical care. ‘‘The truth about it is pretty mundane,’’ he said. ‘‘But the lies are really exciting and emotional.’’

The AP-GfK Poll was conducted May 16-19, 2014 using KnowledgePanel, GfK’s probability-based online panel designed to be representative of the U.S. population. It involved online interviews with 1,354 adults, and has a margin of sampling error of plus or minus 3 percentage points for all respondents.

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Associated Press News Survey Specialist Dennis Junius contributed to this report.

Online:

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