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: End game: No immigration deal, just divisions

WASHINGTON (AP) — A Congress that began with bright hopes for immigration legislation is ending in bitter divisions on the issue even as some Republicans warn that the political imperative for acting is stronger than ever for the GOP.

In place of a legislative solution, President Barack Obama’s recent executive action to curb deportations for millions here illegally stands as the only federal response to what all lawmakers agree is a dysfunctional immigration system. Many Democrats are convinced Latino voters will reward them for Obama’s move in the 2016 presidential and Senate elections, while some Republicans fear they will have a price to pay.

“If we don’t make some down payment toward a rational solution on immigration in 2015, early 2016, good luck winning the White House,” said Republican Sen. Lindsey Graham of South Carolina, an author of the comprehensive immigration bill that passed the Senate last year with bipartisan support, but stalled in the GOP-led House.

With the expiration of the 113th Congress this month, that bill will officially die, along with its path to citizenship for the 11 million immigrants in this country illegally.

Immigration is certain to be a focus for the new, fully Republican-led Congress when it convenes in January — but there’s little expectation the GOP will make another attempt at comprehensive reforms.

Instead, GOP leaders in the House and Senate have pledged to take action to block Obama’s executive moves, setting up a battle for late February when funding expires for the Department of Homeland Security, which oversees immigration matters. House Speaker John Boehner, R-Ohio, has promised action on a border security bill as part of that.

Whether Congress can do anything to stop Obama remains unclear, since he’s certain to veto any effort to undo his executive moves. It’s also not clear lawmakers could pass a border bill, or that Obama would sign it if they did.

While some congressional Republicans are arguing for action on piecemeal reforms, most advocates are resigned to waiting until a new president takes office in 2017 for lawmakers to make another attempt at a comprehensive overhaul that resolves the central immigration dilemma — the status of the millions here illegally.

“They had the best chance in a generation and they couldn’t get enough support from the Republican caucus,” said Frank Sharry, executive director of America’s Voice, an immigrant advocacy group. “It may well be that they’re going to have to lose the White House and both chambers of Congress for us to get comprehensive immigration reform.”

When Obama won a second term in 2012 with strong Hispanic and Asian support, many national Republican leaders decided they needed to support policies that would attract those growing blocs of voters. The Republican National Committee formally embraced support for comprehensive immigration reform as a guiding principle for the GOP.

But legislative efforts stalled in the House as conservative Republicans balked at Boehner’s efforts to advance the issue. Last summer’s crisis over an influx of unaccompanied Central American minors arriving at the border caused shelter overloads and case backlogs, straining resources and creating the impression that the border was out of control — further souring political prospects for reform legislation.

In absence of congressional efforts, Obama promised he would act on his own, and he made good on that shortly after last month’s midterm elections, announcing an array of changes that will include work permits and three-year deportation stays for some 4 million immigrants here illegally. It mostly applies to those who’ve been here more than five years and have kids who are U.S. citizens or legal permanent residents.

The move inflamed Republicans, who have been fighting about it ever since, including a failed effort by Sen. Ted Cruz, R-Texas, to block Obama in a Senate floor vote this past weekend. On Tuesday the dispute spilled over into debate on Obama’s nominee to lead the Immigration and Customs Enforcement agency, Sarah Saldana, the U.S. attorney in Dallas. She was confirmed 55-39 by the Senate over objections from Republicans who had initially supported her but turned against her because of her support for Obama’s executive actions.

Meanwhile, some immigration advocates complained that the steps didn’t go far enough as Obama faced criticism from both sides of the political divide.

A new Associated Press-GfK poll found that most Americans support allowing immigrants living in the country illegally a way to stay here lawfully. But only 43 percent of them think Obama was right to take executive action to make those changes, while 54 percent of them say he should have kept trying to make a deal with Republicans. Still, the poll also showed little sign of blowback for Obama. Although 57 percent disapprove of Obama’s handling of the immigration issue, that was down slightly from 63 percent in October.

A group of 24 states joined in a federal lawsuit filed in Texas alleging that Obama overstepped his constitutional powers in a way that will only worsen the humanitarian problems along the southern U.S. border. And Arizona Sheriff Joe Arpaio is in federal court in Washington, contending that the policy is a magnet for more illegal entries into the country that will impose a burden on law enforcement.

In a court filing late Monday, the Justice Department argued for dismissal of Arpaio’s case, saying he has failed to substantiate his claims.

Congressional Republicans say that Obama’s actions created an even tougher climate for immigration legislation, but many Democrats and advocates contend that Republicans were terminally stalled on the issue anyway. Some Republicans question whether immigration legislation really is a political imperative for the GOP. “It’s really mixed out there — some people want a big immigration bill, others don’t,” said Sen. Orrin Hatch, R-Utah, a supporter of reform efforts.

And two years after a “Gang of Eight” senators launched an immigration overhaul drive on Capitol Hill, some of those same players say they have no plans to initiate another such effort.

“I’m not going to start it in the Senate,” said Sen. John McCain, R-Ariz. “We’ve tried that.”

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Associated Press News Survey Specialist Emily Swanson and writer Pete Yost contributed to this report.


AP-GfK Poll: Crunch time again for health insurance sign-ups

By Ricardo Alonso-Zaldivar

WASHINGTON (AP) – President Barack Obama’s push to cover America’s uninsured faces another big test Monday.

 

This time, it’s not only how the website functions, but how well the program itself works for millions who are starting to count on it.

 

Midnight Monday, Pacific time is the deadline for new customers to pick a health plan that will take effect Jan. 1, and for current enrollees to make changes that could reduce premium increases ahead of the new year.

 

HealthCare.gov and state insurance websites are preparing for heavy online traffic before the deadline, which gives consumers in the East three hours into Tuesday to enroll.

 

Wait times at the federal call center started creeping up around the middle of last week, mainly due to a surge of current customers with questions about their coverage for next year. Many will face higher premiums, although they could ease the hit by shopping online for a better deal. Counselors reported hold times of 20 minutes or longer for the telephone help line.

 

About 6.7 million people now have coverage through Obama’s signature law, which offers subsidized private insurance. The administration wants to increase that to 9.1 million in 2015. To do that, the program will have to keep most of its current enrollees while signing up more than 2 million new paying customers.

 

People no longer can be turned down because of health problems, but picking insurance still is daunting for many consumers. They also have to navigate the process of applying for or updating federal subsidies, which can be complex for certain people, including immigrants. Many returning customers are contending with premium increases generally in the mid-to-high single digits, but much more in some cases.

 

Consumers “understand it’s complicated but they appreciate the ability to get health insurance,” said Elizabeth Colvin of Foundation Communities, an Austin, Texas, nonprofit that is helping sign up low-income residents. “People who haven’t gone through the process don’t understand how complicated it is.”

 

Last year’s open enrollment season turned into a race to salvage the reputation of the White House by fixing numerous technical bugs that crippled HealthCare.gov from its first day. With the website now working fairly well, sign-up season this year is a test of whether the program itself is practical for the people it is intended to serve.

 

New wrinkles have kept popping up, even with seemingly simple features of the Affordable Care Act.

 

For example, most current customers who do nothing will be automatically renewed Jan. 1 in the plan they now are in. At this point, it looks like that is what a majority intends to do.

 

While that may sound straightforward, it’s not.

 

By staying in their current plans, people can get locked into a premium increase and miss out on lower-priced plans for 2015. Not only that, they also will keep their 2014 subsidies, which may be less than what they legally would be entitled to for next year.

 

Doing nothing appears to be a particularly bad idea for people who turned 21 this year, according to the Center on Budget and Policy Priorities, a Washington group that advocates for low-income people.

 

Researchers at the center estimate that 21-year-olds will see a 58 percent increase in the sticker price for their premiums just because they’re a year older. An age-adjustment factor used to compute premiums jumps substantially when a person turns 21. A 20-year-old whose premium was $130 per month in 2014 will see the premium climb to $205 a month in 2015, solely because of that year’s difference.

 

Tax-credit subsidies can cancel out much or even all of the impact. But if consumers default to automatic renewal, their tax credits will not be updated and they will get the same subsidy as this year.

 

“Even in the best possible scenario of how many people we can expect to come in, we will still see a substantial number of people defaulting,” said Judy Solomon, a health care policy expert at the center. She worries that some young adults may get discouraged and drop out.

 

Reviews of HealthCare.gov and state health insurance exchanges are mixed.

 

An Associated Press-GfK poll this month found that 11 percent of Americans said they or someone else in their household tried to sign up since open enrollment began Nov. 15. Overall, 9 percent said the insurance markets are working extremely well or very well. Twenty-six percent said the exchanges are working somewhat well, and 39 percent said they were not working well. The remaining 24 percent said they didn’t know enough to rate performance.

 

So far it has been a frustrating experience for Marie Bagot, of Fort Lauderdale, Florida. She and her husband are in their 60s, but not yet old enough for Medicare. The husband, who works as a chef, will turn 65 around the middle of next year and qualify for Medicare. Bagot said they were happy with their insurance this year under Obama’s law.

 

“As you get older, you worry about your health,” she said. “I was very pleased with the price we got.”

 

But Bagot said she received a notice from her insurer that her current plan will not be available next year in her community. The closest alternative would involve a premium increase of more than $350 a month, even with their tax credit subsidy. After days of trying to find a comparable plan through the federal call center and after visiting a counselor, Bagot said she opted to keep their current coverage, while hoping costs go down after her husband joins Medicare.

 

“I cannot afford it, but I’m going to try to,” she said.

 

Monday is not the last chance for consumers like Bagot. Open enrollment doesn’t end until Feb. 15.

 

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Associated Press Director of Polling Jennifer Agiesta contributed to this report.