Higher-Ed Tuition Costs: The =91Conservative=92 view = is not on either extreme, by Gordon Wayne Watts

From: Subject: =?Windows-1252?Q?Higher-Ed_Tuition_Costs:_The_=91Conservative=92_view_is_?= =?Windows-1252?Q?not_on_either_extreme=2C_by_Gordon_Wayne_Watts?= Date: Fri, 5 Feb 2010 07:27:27 -0500 MIME-Version: 1.0 Content-Type: multipart/related; type="text/html"; boundary="----=_NextPart_000_0000_01CAA634.AB671450" X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.5579 This is a multi-part message in MIME format. ------=_NextPart_000_0000_01CAA634.AB671450 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable Content-Location: http://www.gordonwaynewatts.com/FannyDeregulation/Higher-Ed-Tuition-Costs.html Higher-Ed Tuition Costs: The =91Conservative=92 view = is not on either extreme, by Gordon Wayne Watts

Higher-Ed Tuition Costs: The = =91Conservative=92=20 view is not on either = extreme
Students are=20 told from an early age that an education is the only way to = success, and=20 yet when they follow the inevitable path, they are lured into a = trap -a=20 debt-trap.

By Gordon Wayne Watts (GordonWayneWatts.com)
(A 377-word = Letter=20 on this same topic [link / cached copy 1 / cached copy 2] published Sunday, Oct. 18, 2009 = in=20 The Tampa Tribune, Views section, p.3., however, = this=20 Op-Ed is genuinely 'Exclusive' to the WSJ: To reject this op-ed = due to=20 non-exclusivity concerns would be throwing out the baby with the = bathwater=20 -a missed opportunity to beat the various Higher-Ed crises we=20 face.)
Published: Monday, 28 September 2009 ; Last Modified: Friday, 05 = February=20 2010 (3 Graphs added + //Clarification on Sean = Hannity's=20 double-standard in note #22 below//)

We think of conservatives as right extremes = &=20 liberals as left, polar opposites. However, true conservatives are = in the=20 middle (on this matter anyhow), liberals on the extremes. First, = the=20 history:

In the 1956-57 school year, one source[1] = reports a year=20 of college cost $138, and another source[2] is in close agreement. = But=20 remember we have to adjust for inflation: The $138 figure is about = $1,093.85 in 2008 dollars[7], probably the same for 2009, = considering the=20 year=92s inflation[3] was about 0.1%. However, nowadays, the same = year of=20 college costs about $10,066, about a 10X increase! Other = sources[4-6]=20 indicate a cost of $6,142.58 for tuition and $6,920.94 for = housing, for a=20 total of $13,063.52 per year, even higher than the $10,066 = fig.

Drug users and the criminally insane can take = out a line=20 of credit, and run up tons of debt and (although it's hard) still = declare=20 bankruptcy.[8-11] However, student loans are unique among all = loans in the=20 lack of standard bankruptcy protections afforded the = borrower.[12-14] (If=20 institutions of Higher-Ed knew that students could declare = bankruptcy,=20 they would be more apt to charge a fair, free-market value for = their=20 product -instead of monopoly-style collusion to keep rates high = -with=20 garnishment and collection and powers that a mobster would = envy.)

The fact that this has driven many students to=20 suicide[15-18] is not without merit: You used to never hear of = student=20 loan suicides -this has only now become a crisis in Higher-Ed = recently.=20 (Their blood should count for something.) OK, that=92s the = problem:=20 Skyrocketing Tuition & =91Tuition Bankruptcies,=92 like = =91Medical=92 &=20 =92Housing Bankruptcies.=92 If Education is the BACKBONE of = America, we have a=20 BROKEN BACK. However, have you considered why this has only now = occurred?=20 Let=92s eliminate higher quality as an explanation for the tuition = increase.=20 Mainstream media[19-21] claims education quality has actually = decreased;=20 Sean Hannity & I both agree[22] that quality has plummeted, so = higher=20 tuition isn=92t due to better quality.

Any guess why skyrocketing tuition increases = have only=20 NOW become a problem? Yes! Since government keeps bailing = out[Figure-3]=20 Higher-Ed with our tax dollars[Figure-2] for grants & loans to = students and funding of colleges & universities, these = institutions=20 have guaranteed income, thus no incentive to lower prices to Free = Market=20 supply & demand values. Put another way, they could care less = if you=20 go bankrupt & screw-up your life trying to pay off your debt: = They=92ve=20 already gotten bailed out[Figure-3] in advance. Picture this: = Let=92s say=20 every restaurant & supermarket is subsidized by Big Brother = using tax=20 dollars: Would they be hurt if they charged say $100 for a Big = Mac,=20 eventually bankrupting you? NO! This isn=92t the first time the = concept of=20 either expensive food[23] or over-taxation[24] has surfaced. Same = with=20 Higher-Ed, the Housing Market, and Social Security. Because of=20 inefficiency & graft, both Hannity & I also = agree[22][Figure-2]=20 that tax dollars don't need to keep going to Higher-Ed: Let them = stand or=20 fall on their own merit -free market style.

Here's where I break ranks with Sean: He feels = no matter=20 what government throws at us, we can somehow pay off bills if we = work hard=20 from 6am-midnight.[22] NOT. Here's where liberal extremes come = in:

* On one extreme: You = have people=20 asking for free handouts. They don=92t want to pay for ANY = education: Let=20 the government do it all: That's how Sean classed me in his recent = show.[22]

* On the other extreme: = You have=20 today=92s students paying MORE than their fair share, FAR more = than peers of=20 yesteryear, for an education whose quality has actually gone DOWN, = not up.=20 Since most colleges & universities are state-owned & = state-funded=20 and practically ALL institutions of higher ed, even private = colleges,=20 receive funding from tax dollars[Figure-2] through grants & = loans (not=20 to mention being tightly regulated by government as well), they're = a de=20 facto ARM of government. Thus funding influx (e.g., tuition) is=20 effectively a tax by the very definition. And if you have someone = like=20 Hannity defending extortion of students by a tax[22] which has = already=20 increased 10X, you're effectively supporting tax increase.[24] = This extreme is also=20 "Blue-State"-liberal.

Therefore, having each student owe only the = actual value=20 of his/her education would be the conservative thing to = do[Figure-1]=20 because it falls under moral rights & wrongs as a right thing. = Jesus=20 even asked followers[25] that if someone wanted you to go 1 mile = to go 2=20 (e.g., =91double=92). So there's a good case to be made that = paying =91DOUBLE=92=20 (that is, 200%) is also OK since many fiscal conservatives are = also=20 religious conservatives thus in alignment with Jesus=92 creed. = Society has=20 finally gotten rid of the scourge of slavery[26] -or have we? Now = they've=20 found a way to snare a whole new group: "Debt Slaves"[27] of all = races,=20 creeds, and genders -who they would put in bondage for life under = crushing=20 debt. So, immediate forgiveness of the debt[28] of those = overcharged would=20 be the only way to right the wrongs and then have them then pay = 100%-200%=20 of actual costs. For those who've already somehow paid back their = debt,=20 this is stickier. Either these students would have to forgive the=20 government or they might get free education for family members, = but to=20 outright refund them cash, even if morally justified, might have = an=20 extreme inflationary effect as the number of dollars in = circulation=20 increases. Besides being the morally "right" thing to do, when = these debt=20 slaves are freed, they will be able to spend more money on basic=20 necessities -thus stimulate the economy; the only ones who would = suffer=20 are the banks and lenders -who profit off of others' financial = ruin.=20 Colleges made do in the past & they'd make do now to learn to = live=20 within their means, stop paying exorbitant salaries, funding = stupid=20 building projects, unnecessary clubs & activities.[33] We=92ve = done it=20 before -we must do it again: "Red-State"-Conservatives must once = again save=20 the future. (PS: If you=92re a = liberal reading=20 this, you should realize that this affects you too and that we = must put=20 aside pride and work together, lest 'divided we fall' -under the = weight of=20 crushing and enslaving debt.)

Therefore, seeing the crisis as outlined in = this Op-Ed, I=20 would call upon Federal Lawmakers to pass legislation = to:

**-A-**=20 Prevent any more tax dollars[Figure-2] from going = to=20 Higher-Ed -- As in housing, this influx has distorted the market,=20 resulting in higher tuition. Taxpayers get raped twice by=20 bailing-out[Figure-3] Higher-Ed:
*-1-* = Once=20 because it inflates tuition by enabling colleges=92 'addiction' to = tax-dollars.
*-2-* Secondly, this = 'addiction'=20 is enabled by your tax dollars[Figure-2] -it costs you.
**-B-** = Grant=20 immediate forgiveness to all unpaid student loans -and reset the = debt to=20 require students to owe only the free-market value of their=20 education[Figure-1], not the exorbitant prices they were = price-gouged=20 through the monopoly-style collusion of the institutions of = Higher-Ed.

If these two requirements were made Federal = Law[34], then=20 institutions of Higher-Ed, like Wal-Marts, MacDonald's, and = K-Marts, could=20 experience the free market pressures to offer a higher quality = -not a=20 propped up house of cards -which has been the source of the = problems thus=20 far. Students are told from their youth that they need an=20 education to compete in today's world; let=92s not punish them for = doing=20 what is right.

Gordon Wayne Watts received a Bachelor=92s = degree from=20 The Florida State University with a double major in Biological and = Chemical Sciences with honors and was the valedictorian from = United=20 Electronics Institute. Watts, a non-lawyer, is best known for his = lawsuit=20 on behalf of Terri Schiavo[29], which lost 4-3 in the Florida = Supreme=20 Court, arguably doing better than even then Governor Jeb Bush=92s = similar=20 suit[30] (lost: 7-0) or Terri Schiavo=92s own family=92s federal = case[31]=20 (lost: 2-1). Mr. Watts, who ran unsuccessfully for Dist. 64 Fla. = House of=20 Representatives[32], is a part-time political activist while he = searches=20 for a full-time job in his field.

Figures=20 1-3:
3D"Figure

Sources:
[1] "Massive = increases in=20 higher-ed costs a mystery to be solved," Virgil Swing=20 (DuluthNewsTribune.com), May 15, 2008,=20 (http://www.duluthnewstribune.com/event/search of: "Virgil Swing: = Massive=20 increases in higher-ed costs"), ** http://www.google.com/search?hl=3Den&q=3D%22Budgeteer= +News%22+%22Virgil+Swing%22+2008+may+15&start=3D20&sa=3DN&fil= ter=3D0,=20 ** http://search.yahoo.com/search;_ylt=3DA0geu5Vnxr9KXSsBZFJ= XNyoA?p=3D%22Budgeteer+News%22+%22Virgil+Swing%22+2008+may+15&fr2=3Ds= b-top&fr=3Dyfp-t-501&sao=3D0,=20 ** http://gordonwaynewatts.com/FannyDeregulation/VirgilSwing= Article.JPG,=20 ** http://gordonwatts.com/FannyDeregulation/VirgilSwingArtic= le.JPG
[2]=20 "Student Aid and College Tuition: The Upward Spiral," by David W.=20 Kirkpatrick, Nov 01, 2007 http://www.schoolreport.com/schoolreport/articles/College= _Tuition_11_07.htm=20 states: "In my personal case, while a student at a public college = in the=20 1950s, tuition was $100 per semester. There was no aid but neither = was=20 there any debt at graduation."
[3] "2008 inflation rate at = 0.1%,=20 slowest gain in 54 years for consumer prices" http://www.usinflationcalculator.com/inflation-rates/2008= -inflation-rate-at-01-slowest-gain-in-54-years-for-consumer-prices/100035= 7
[4]=20 "Average college cost breaks $30,000: Average for 4-year private = school=20 passes key mark; total costs for both public and private schools = up well=20 above inflation," Rob Kelley, Oct 27 2006, http://money.cnn.com/2006/10/24/pf/college/college_costs/= index.htm=20 states: "The average tuition at four-year public colleges and = universities=20 is $5,836 for the 2006-07 school year=85With room and board, = four-year=20 public colleges average $12,796 for in-state residents." The = $5,836 figure=20 for tuition would be either $6,227.39 or $6,057.77 in 2008, = according to=20 the WestEgg inflation calculator, depending on whether you use = 2006 or=20 2007 as your initial year. The average of those two figures is = $6,142.58=20 for college tuition in 2008
[5] "Preparing to Go to College," = p4, http://www.pearsonhighered.com/assets/hip/us/hip_us_pears= onhighered/samplechapter/0131716662.pdf=20 states: "According to The College Board, the average college = housing costs=20 in the 2004=962005 academic year were about $6,222," which would = be either=20 $7,036.63 or $6,805.25 in 2008, according to the WestEgg inflation = calculator, depending on whether you use 2004 or 2005 as your = initial=20 year. The average of those two figures is $6,920.94 for college = housing in=20 2008
[6] Adding $6,920.94 for housing & $6,142.58 for = tuition=20 yields $13,063.52
[7] http://www.westegg.com/inflation conversion: = "What cost=20 $138 in 1956 would cost $1081.50 in 2008," & "What cost $138 = in 1957=20 would cost $1043.92 in 2008," which is close to $1093.85
[8]=20 =93Criminally insane, but out on the street=94 (By NICHOLAS K. = GERANIOS (AP) =96=20 Oct 17, 2009 - SPOKANE, Wash. (AP) -- =93Phillip A. Paul in 1987 = was=20 declared criminally insane for killing an elderly woman after = voices in=20 his head told him she was a witch=85He obtained several credit = cards and=20 went on shopping sprees that led to a bankruptcy filing.=94 http://hosted.ap.org/dynamic/stories/U/US_CRIMINALLY_INSA= NE?SITE=3DRIPRJ&SECTION=3DHOME&TEMPLATE=3DDEFAULT=20 ~ http://www.google.com/hostednews/ap/article/ALeqM5gH6QbyQ= fjoqwCFxHJpNb067G_96gD9BD0N5O0=20 ~ http://www.msnbc.msn.com/id/33358068/ns/us_news-crime_and= _courts=20 ~ http://www.kansascity.com/news/nation/story/1514284.html<= /A>=20 http://news.yahoo.com/s/ap/20091017/ap_on_re_us/us_crimin= ally_insane/print
[9]=20 =9325 Rich Athletes Who Went Broke=94 (BusinessPundit.com, May 18, = 2009)=20 =93Scott Harrison=85The pride of Scotland had problems with = drinking, drugs=20 and consequently the law. A world champion in 2003, Harrison=92s = life later=20 spun out of control. In 2006, he pulled out of a fight to check = into=20 rehab. By July 2007, the ever-classy Harrison declared bankruptcy = after=20 losing his last fight=85over unpaid taxes.=94 http://www.businesspundit.com/25-rich-athletes-who-went-b= roke
[10]=20 =93STATEMENT OF THE NATIONAL MULTI HOUSING COUNCIL, et al.,=94 = (BEFORE THE=20 U.S. HOUSE COMMITTEE ON JUDICIARY, MARCH 3, 2003) =93A resident = who was=20 being evicted for selling drugs on the property declared = bankruptcy.=94 http://www.nmhc.org/Content/ServeFile.cfm?FileID=3D3511
[11]=20 =93Bankrupt: Maxed Out In America=94 (American RadioWorks, public = radio,=20 Saturday, April 22, 2006) =93Over the past decade, 15 million = people=20 declared bankruptcy. That's better than double the figure from the = previous decade.=94 (No doubt, many criminally insane and/or drug = users were=20 among them, but students, trying to better themselves, are not = permitted=20 to file for bankruptcy when they get overwhelmed by debt, = penalties, and=20 compounding interest.) http://americanradioworks.publicradio.org/features/bankru= ptcy/transcript.html=20 ~ http://www.accessmylibrary.com/article-1G1-144728950/radi= o-documentary-focus-bankruptcy.html
[12]=20 =93Student Loans & Bankruptcy=94 (Student Loan Borrower = Assistance=20 Project, a program of the National Consumer Law Center) =93Student = loans are=20 not usually discharged in bankruptcy. It is difficult, but not = impossible,=20 to do so if you can show that payment of the debt =93will impose = an undue=20 hardship on you and your dependents.=94 http://www.studentloanborrowerassistance.org/bankruptcy
[13]=20 =93Student Loans In Bankruptcy=94 (Lawyers.com) =93Student loans = are not=20 dischargeable in bankruptcy unless you can show that your loan = payment=20 imposes an "undue hardship" on you, your family, and your = dependents.=20 Non-dischargeable debts are those debts that you cannot totally = eliminate=20 when you file for bankruptcy and will have to be paid by you. It = is almost=20 impossible to show an undue hardship unless you are physically = unable to=20 work and the chances of your obtaining any type of gainful = employment in=20 the future are non-existent.=94 http://bankruptcy.lawyers.com/Student-Loans-In-Bankruptcy= .html
[14]=20 =93Student Loan Bankruptcy Options=94 (MoneyZine.com)
=93In the = normal course=20 of bankruptcy, student loans will not be discharged or forgiven. = However,=20 after the proceedings are over, an adversary proceeding can take = place in=20 bankruptcy court to decide if you meet all three of the hardship = rules or=20 tests. In this adversary proceeding, the student loan creditors = will be=20 present to challenge your hardship request. You must be able to = satisfy=20 all three of the following tests in the eyes of the = court:
=95If you were=20 forced to repay the student loan, then you will not be able to = maintain a=20 minimal standard of living.
=95You are able to present evidence = that this=20 financial hardship will continue for a significant period of time = over the=20 remaining term of the student loan.
=95A good faith effort was = made to=20 repay your student loan before you filed for bankruptcy. = Effectively this=20 means you have been faithfully repaying your college loan for a = minimum of=20 five years.
If your loan is discharged, you will not have to = repay the=20 remainder of the money owed these creditors. However, you may have = trouble=20 getting a student loan of any kind in the future.=94
http://www.money-zine.com/Financial-Planning/College-Loan= /Student-Loan-Bankruptcy-Options
[15]=20 =93Crushing debt=94 (Chicago Sun-Times, BY DAVE NEWBART) September = 24, 2007=20 "Jan Yoder was preparing for her son's funeral when the phone = rang. It was=20 another student loan collector wanting to know when her son would = pay=20 up=85It was those calls and the burden of crushing debt, she says, = that led=20 her depressed son to take the drastic action of killing himself = late last=20 month. ''When it gets to the point where people are fleeing the = country,=20 going off the grid or taking their own lives, you know something = has gone=20 horribly wrong,'' said Alan Collinge, founder of Student Loan = Justice,=20 which is pushing to change student lending laws.=94 http://www.ibhe.state.il.us/NewsDigest/NewsWeekly/092807.= pdf=20 ~ http://nalert.blogspot.com/2007/09/student-loan-debt-driv= es-man-to-suicide.html
[16]=20 =93I=92m Thinking of Suicide Because of My Student Loans. =96 = John=94=20 (GetOutOfDebt.org, undated news story) =93Dear Steve, My student = loans are=20 almost $42,000 dollars. I pay almost $260 dollars per month and = all but=20 $12 dollars is interest and the principal continues to go = higher=85I=20 frequently think about suicide; thinking about my son is the only = thing=20 that has so far kept me from committing suicide. John=94 http://getoutofdebt.org/5493/im-thinking-of-suicide-becau= se-of-my-student-loans-john
[17]=20 "A Pastor's Student Loan Debt" (NPR, by Libby Lewis) July 14, 2007 = =93Dan=20 Lozer's tiny paycheck means he'll be paying off those loans until=20 2029...Lozer said there was a time when he thought about = suicide.=94 http://www.npr.org/templates/story/story.php?storyId=3D11= 980696
[18]=20 =93Company=92s march toward student loan monopoly scary=94 (The = News Tribune, By=20 ALAN COLLINGE) 06/19/07 =93In Boston; a medical student can=92t = get licensed=20 because he can=92t pay $52,000 on what began as a $3,000 debt. A = suicide in=20 Oregon. A suicide in Maryland. People who have fled the country = due to the=20 explosion of their student loan debt. The list goes on and on.=94 = http://www.thenewstribune.com/opinion/othervoices/story/9= 0638.html
[19]=20 "U.S. Teens Trail Peers Around World on Math-Science Test," Maria = Glod,=20 Washington Post, Dec 5, 2007; Page A07 http://www.washingtonpost.com/wp-dyn/content/article/2007= /12/04/AR2007120400730.html
[20]=20 "U.S. falls in education rank compared to other countries," Elaine = Wu=20 (U-Wire), 10-04-2005, The Kapi=91o Newspress http://www.google.com/search?hl=3Den&q=3D%22falls+in+= education+rank+compared+to+other+countries%22+%22Elaine+Wu%22&aq=3Df&= amp;oq=3D&aqi=3D=20 And http://search.yahoo.com/search?p=3D%22falls+in+education+= rank+compared+to+other+countries%22+%22Elaine+Wu%22&toggle=3D1&co= p=3Dmss&ei=3DUTF-8&fr=3Dyfp-t-832=20 (Key phrases search: "falls in education rank compared to other = countries"=20 "Elaine Wu")
[21] "U.S. slips lower in coding contest: In what = could be=20 an ominous sign for the U.S. tech industry, American universities = slipped=20 lower in an international programming contest," Ed Frauenheim, = News.com,=20 Posted on ZDNet News: Apr 7, 2005 http://news.zdnet.com/2100-9595_22-142206.html
[22= ]=20 Sean Hannity, from 7:22-8:22, concurs with this analysis -and with = me:=20 We=92ve been "dumbed down" and our public schools are "mediocre at = best." At=20 8:22+, he says "taxpayers ought not foot the bill" for Higher-Ed. = From=20 4:59-5:13, he makes the =916am to midnight=92 comments. http://www.youtube.com/watch?v=3Dm3ogGD17pq4&feature=3D= channel_page=20 ** Cached: http://www.GordonWayneWatts.com/FannyDeregulation/21-22Se= pt2009-Hannity-Call-In.mp3=20 and http://www.GordonWatts.com/FannyDeregulation/21-22Sept200= 9-Hannity-Call-In.mp3.=20 Newly=20 added comment: I=20 don't mean any offense or disrespect to Sean Hannity, but I must = now=20 update my Op-Ed here to clarify and point out one glaring FACT: = Mr. Sean=20 Hannity is a hypocrite -While he has no problem with student's = tuition (a=20 form of tax: see above) being jacked up almost one-thousand = (1,000%)=20 percent, LOL, nonetheless, I am quite sure that he could cringe at = the=20 discovery that *his* income taxes increased by the same amount. IN = HIS=20 DEFENSE, I realise that he would probably say that this is not an = equal=20 comparison -ah, but is it?? --Well, he has no choice but to get a = job of=20 some sort to make money, and, likewise, the students nowadays, = have no=20 choice but to get an education if we are to compete in the global = market.=20 So, the comparison is indeed equal. I say all this to underscore = the=20 double-standards and hypocrisy the rich have for those = similarly-situated=20 who are poor -even the "conservative" rich, like Hannity. THAT is = the=20 reason our country is falling: Lack of care for our neighbour. = That all=20 needs to change -and it will upon arrival of Jesus. In time.--END = OF=20 COMMENT
[23] As odd as this sounds -that a = meal=20 will be 100 or 200 dollars many religious conservatives do believe = this=20 will happen in the very near future -due to end-times prophecies = such as=20 this one: "And I heard a voice in the midst of the four beasts = say, A=20 measure of wheat for a penny, and three measures of barley for a = penny;=20 and see thou hurt not the oil and the wine." (Holy Bible, Rev 6:6 = KJV)=20 "=85[The price: It will be a] quart of wheat [a day=92s worth of = human food]=20 for a denarius [a whole day's wages], and three quarts of barley = [daily=20 measure of food used for livestock also sold] for a denarius=85" = (Holy=20 Bible, Rev 6:6 AMP) Cf II Kings 6:25, another similar occasion. = (Some=20 comments in bracket not in original but added for clarity)
[24] = In 1st=20 Samuel 22:1-2, people were probably over-taxed and in debt, and = without a=20 doubt this was the case with Solomon=92s not-so-wise son, = Rehoboam, as told=20 in 1st Kings 12:1-16 -almost all of his citizens revolted and = kicked him=20 out as king for his stated plans to over-tax his = constituents.
[25]=20 "And whosoever shall compel thee to go a mile, go with him twain." = (Holy=20 Bible, Matt 5:41 KJV)
[26] In Dred Scott, a 7-2 = majority of America's highest court, not too long ago, held that = "[T]he=20 negro might justly and lawfully be reduced to slavery for his = benefit."=20 Chief Justice Roger B. Taney, writing for the Court. Dred = Scott v.=20 John F. Sanford, 15 L.Ed. 691; 19 How. 393; 60 US 393 at = 407.(US=20 1857).
[27] Key Phrase search: http://www.google.com/search?hl=3Den&source=3Dhp&= q=3D%22debt+slaves%22&aq=3Df&oq=3D&aqi=3Dg1g-m1=20 and http://search.yahoo.com/search?p=3D%22debt+slaves%22&= fr=3Dyfp-t-501&toggle=3D1&cop=3Dmss&ei=3DUTF-8
[28]=20 This is not the first time in history blanket forgiveness of debts = has=20 been considered: =931At the end of every seven years you shall = grant a=20 release of debts. 2And this is the form of the release: Every = creditor who=20 has lent anything to his neighbor shall release it; he shall not = require=20 it of his neighbor or his brother, because it is called the = LORD=92s=20 release=859Beware lest there be a wicked thought in your heart, = saying, =91The=20 seventh year, the year of release, is at hand,=92 and your eye be = evil=20 against your poor brother and you give him nothing, and he cry out = to the=20 LORD against you, and it become sin among you. 10You shall surely = give to=20 him, and your heart should not be grieved when you give to him, = because=20 for this thing the LORD your God will bless you in all your works = and in=20 all to which you put your hand. 11For the poor will never cease = from the=20 land; therefore I command you, saying, =91You shall open your hand = wide to=20 your brother, to your poor and your needy, in your land.=92=94 = (HOLY BIBLE,=20 Deuteronomy 15:1-11, NKJV) Those 'moral conservatives' who would = suggest=20 this is not fair for those students who have already repaid their = debts=20 should note that in the Deuteronomy passage above, no allowance is = made=20 for special treatment for those debtors who had repaid their debts = -they=20 just had to 'tough it out' and be glad their neighbors' debts were = forgiven. This is the kind of =91tough love=92 that is needed to = address the=20 higher education and bankruptcy crisis hitting our nation, not = unlike the=20 =91hard-line=92 advice given in both Old and New Testaments = regarding how to=20 address housing and homeless issues. Isaiah 58:6-7 (Old Testament) = demands=20 that you take in the homeless wandering stranger -and no less than = Jesus,=20 Himself, in the New Testament (Matthew 25:31-46) repeats this same = demand=20 -echoing all sustentative requirements laid down by the prophet = Isaiah:=20 Jesus makes no bones about the consequences for not feeding the = hungry,=20 clothing the naked, or taking in the homeless: With Divine = authority=20 conferred upon Him, Jesus does no less than send the malefactors = directly=20 to Hell.
[29] In Re: GORDON WAYNE WATTS (as next friend = of=20 THERESA MARIE =93TERRI=94 SCHIAVO), No. SC03-2420 (Fla. = Feb.23,=20 2003), denied 4-3 on rehearing. http://www.floridasupremecourt.org/clerk/dispositions/2005= /2/03-2420reh.pdf
[30]=20 In Re: JEB BUSH, GOVERNOR OF FLORIDA, ET AL. v. MICHAEL = SCHIAVO,=20 GUARDIAN: THERESA SCHIAVO, No. SC04-925 (Fla. Oct.21, = 2004),=20 denied 7-0 on rehearing. http://www.floridasupremecourt.org/clerk/dispositions/2004= /10/04-925reh.pdf
[31]=20 Schiavo ex rel. Schindler v. Schiavo ex rel. = Schiavo, 403=20 F.3d 1223, 2005 WL 648897 (11th Cir. Mar.23, 2005), denied 2-1 on = appeal.=20 http://www.ca11.uscourts.gov/opinions/ops/200511628.pdf
[32]=20 Key Phrase search: http://www.google.com/search?hl=3Den&q=3D%22florida+h= ouse%22+64+%22gordon+wayne+watts%22&cts=3D1255495265724&aq=3Df&am= p;oq=3D&aqi=3D=20 and http://search.yahoo.com/search?p=3D%22florida+house%22+64= +%22gordon+wayne+watts%22&fr=3Dyfp-t-155&toggle=3D1&cop=3Dmss= &ei=3DUTF-8
[33]=20 One example of wasteful spending I could not fit in due to = word-length=20 (this Op-Ed is already exactly 1,200 words in the body only -not = counting=20 the title, references, or footer), was the requirement for = students to=20 purchase the newest edition of textbooks every year. This is = entirely=20 untenable, since many sciences -such as Physics and Math -have not = changed=20 sustentatively in the last century: The Laws of Physics aren=92t = just going=20 to change all of a sudden -and the newer developments do not need = new=20 textbooks (such as one friend who reports that he paid $1,500.oo = for=20 *each* of his children for new textbooks). The Higher-Ed textbook = industry=20 is a =93Cash Cow,=94 milking students. One alternative is to have = textbooks=20 online -or -in portable =93e-books.=94 Another is to require only = supplemental=20 materials be purchased -or downloaded. However, no matter how you = slice=20 it, students are getting juked and played like a piano -and milked = like a=20 cow. America=92s good name is tarnished when education costs more = -and does=20 less -than other countries. I don=92t wish to offend other = countries (they=20 beat us fair and square), but this game must not continue: Just = like in=20 war, everybody loses when it played.
[34] My friend, Eddie = Adams, Jr.,=20 who is a genuine conservative (one of many = true=20 conservatives this election cycle) running = for U.S.=20 Congress in a neighboring district, was recently interviewed = by me for=20 my newspaper's coverage (main link - alt.=20 link) of the Districts 11 and 12 House races. When I = asked him=20 about pouring tax dollars into higher-ed, he responded predictably = and as=20 expected -he opposed such; however, when I asked him whether he = supported=20 standard bankruptcy protections for student loans as with credit = cards=20 users, he said they should pay them back -as he did (invoking the = personal=20 responsibility motif). While I respect his work ethic and feel he = has=20 earned a right to his opinion, I genuinely feel he was wrong on = the merits=20 (because I feel students should only pay back the value of their = education=20 -not the inflated amount they were forced to accept due to the = collusion=20 of the institutions of higher-ed). Since he, like myself, is a = Christian,=20 who adheres to the Bible as infallible scripture (his grandfather was a Baptist = preacher), I was=20 inspired to review the Lord's standards on this topic, and I = credit Eddie=20 for so inspiring me. It is my belief that all true followers of = Christ=20 will be conformed to the renewing of the scriptures, and so I = write this=20 with the hope that Eddie will slowly, but surely, change his = viewpoint=20 herewith: This section below is directed only at = Bible-believing=20 Christians -and, while trying to "win converts" is good, that is = not what=20 this section is saying:

=91Practical=92 considerations: What=92s helpful for=20 *you*
⁷ =93Be not deceived; God is not = mocked: for=20 whatsoever a man soweth, that shall he also reap.=94 -Galatians = 6:7=20 (KJV)
TRANSLATION: Karma has a biting way about it: What goes = around=20 comes around, so don=92t jack the students out of their fair value = by=20 **greatly** overcharging them for their education = =96simply=20 because they're a captive audience -and a captive market.

=91Legal=92 considerations: What=92s helpful according = to the=20 *government*
¹ =93Let every soul be subject = unto the=20 higher powers. For there is no power but of God: the powers that = be are=20 ordained of God.
² Whosoever therefore resisteth the = power,=20 resisteth the ordinance of God: and they that resist shall receive = to=20 themselves damnation.
³ For rulers are not a terror = to good=20 works, but to the evil. Wilt thou then not be afraid of the power? = do that=20 which is good, and thou shalt have praise of the same:=94 -Romans = 13:1-3=20 (KJV)
COMMENTARY: If monopoly or collusion laws were broken = =96and/or if=20 excessive fines imposed upon student that are not even legal for = credit=20 card users (the latter implicating Equal Protection), then this = would be=20 illegal =96and, besides violating =91Man=92s Law,=92 the rich = leaders profiting=20 off of students would also be in violation of this section of = God=92s=20 standard.

=91Moral=92 considerations: What=92s helpful for=20 *others*
¹² =93In everything, therefore, = treat people=20 the same way you want them to treat you, for this is the Law and = the=20 Prophets.=94 -Matthew 7:12 (NASB)

^16b-17a =93=85Judge fairly between each person and = his fellow or=20 foreigner. Don't play favorites; treat the little and the big = alike;=20 listen carefully to each. Don't be impressed by big names. This is = God's=20 judgment you're dealing with...=94 -Deuteronomy 1:16b-17a (The = Message)

³ =93Defend the poor and fatherless: do justice to = the=20 afflicted and needy.=94 -Psalm 82:3 (KJV)

²¹ =93Though hand join in hand, the wicked shall not = be=20 unpunished: but the seed of the righteous shall be delivered.=94 = -Proverbs=20 11:21 (KJV)

²² =93Do not exploit the poor because they are poor = and do not=20 crush the needy in court,
²³ for the LORD will take = up their=20 case and will plunder those who plunder them.=94 -Proverbs = 22:22-23 (NIV)

⁸ =93Speak up for those who cannot speak for = themselves, for=20 the rights of all who are destitute.
⁹ Speak up and = judge=20 fairly; defend the rights of the poor and needy.=94 -Proverbs = 31:8-9 (NIV)

¹¹ =93When the sentence for a crime is not quickly = carried=20 out, the hearts of the people are filled with schemes to do = wrong.=94=20 -Ecclesiastes 8:11 (NIV)

²⁰ =93Humility is an abomination to the proud; = likewise the=20 poor are an abomination to the rich. ²¹ When the rich = person=20 totters, he is supported by friends, but when the humble falls, he = is=20 pushed away even by friends. ²² If the rich person = slips, many=20 come to the rescue; he speaks unseemly words, but they justify = him. If the=20 humble person slips, they even criticize him; he talks sense, but = is not=20 given a hearing. ²³ The rich person speaks and all are = silent;=20 they extol to the clouds what he says. The poor person speaks and = they=20 say, "Who is this fellow?" And should he stumble, they even push = him=20 down.=94 -Sirach 13:20-23 (NRSV) Deuterocanonical Apocrypha

¹⁰ =93If thou faint in the day of adversity, thy = strength is=20 small.=94 -Proverbs 24:10 (KJV)

²⁸ =93Strive for the truth unto death, and the Lord = shall=20 fight for thee.=94 -Sirach 4:28 (KJV)

²⁸ =93Fight to the death for truth, and the Lord God = will=20 fight for you.=94 -Sirach 4:28 (NRSV)

Navigation:
* http://www.gordonwaynewatts.com/
* http://www.gordonwatts.com/
* http://gordonwaynewatts.blogspot.com/
* http://www.YouTube.com/GordonWayneWatts
* = http://Gordon_Watts.Tripod.com/consumer.html

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