Student Loan Data Delivers Blow to Argument that the Relief Program Disproportionately Benefits the Wealthy

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Massive debt is something that looms over the lives of most Americans. Student loan debt accounts for $1.76 trillion dollars in debt held by Americans. In comparison, credit card debt stands at $935 billion as of the last quarter of 2022.


Pursuing higher education in the form of a trade or professional degree in the U.S. has become something that American culture has convinced most Americans is a way to improve their socio-economic status. But when you consider that those who chose to formally educate themselves to climb the social ladder are now collectively saddled with almost $1.8 trillion in loans, while incomes aren’t proportionately matching the debt, the equation begins to make very little sense.

After the pandemic caused economic chaos, student loan payments were paused, giving relief that many student loan holders never considered possible. After multiple extensions to the payment pause, the Biden Administration proposed a rather lackluster debt relief plan that had multiple issues, including many who didn’t qualify and an amount that many considered measly, $20,000.00.

Republicans, most of whom took no issue with granting full forgiveness for business loans, decided relief for everyday people was too much of a problem and sued to stop the program. While that program is paused while it’s tied up in court, the government was able to collect data on who chose to take advantage of the loan forgiveness.

Student Debt Relief Application Data Analyzed

23.6 million Americans applied for the relief program, and Politico analyzed the data. The statistics in the data further demonstrate how disproportionately student loan debt effects lower-income people and people of color.

Critics of Biden’s debt relief program argued that the relief program would end up benefiting wealthy Americans who don’t need the help. Rep. Virginia Foxx (R-N.C), who has led the GOP charge against the plan as chair of the House education committee, stated that the program would be a “transfer of wealth from working-class Americans to privileged college graduates.

But as it turns out, it was lower-income zip codes that were mainly represented in the applications. Politico’s analysis found that more than 98 percent of applications came from zip codes where the average income is under $75,000, and two-thirds of that are from zip codes with an average income below $40,000.

Real Life Implications

The Luz audience has shared their experiences with student loans, and the feedback aligns with what data keeps telling us about the devastation student loans have caused, and are causing. Now that the economic damage is done, how long do most people expect to pay off their student loans?

When Luz surveys our audience, the overwhelming majority of respondents state that it will most likely take them the rest of their lives to pay off their loans.

This is a reality that many student loan holders have accepted. Yet student loans aren’t the only thing people need to pay. Most respondents mentioned families to support, other responsibilities, and life obligations, which means they can’t pay the loans off quickly.

Not only does this stagnate the economy because too much of their income is tied up in student loan payments, but because they aren’t able to pay the maximum amount to pay off the loan faster, capitalized interest accrues, ballooning the debt to amounts that are often much higher than what they originally borrowed.

When asked what the Luz audience would do with the money that goes to student loans if they were forgiven, the answers were eye-opening. Everyone answered a variation of the same thing, “I need this money to give myself and my family a good life.” They went from being able to buy a home to paying for their kids’ college education to actually being able to save up for emergencies.

Even those who had managed to actually pay their loans supported relief for others.

Student loan forgiveness would result in dramatic economic improvement for communities that have historically been cut out of wealth-creating opportunities, and put an end to the economic punishment that so many have endured for choosing to purchase the dream America has been selling.

For now, student load debt holders continue waiting. And hoping.

hands holding up yellow protest signs that say Hands Off Our Bodies
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Originally published in Common Dreams. Reprinted with permission.

The Latino electorate will prove decisive in securing reproductive freedom and abortion access through ballot measures around the country, particularly in states where Latinos are a significant portion of the electorate.

In November, abortion rights measures will appear on ballots across ten states, including Arizona, Colorado, Florida, Nevada, and New York, where Latinos make up a significant portion of the electorate. For decades, pundits and politicians have recycled long-held misconceptions about Latino voters and abortion access, citing our conservative and religious beliefs.

Anti-abortion extremists have long fueled these misconceptions through misinformation and disinformation campaigns targeting Latino communities with egregious lies and inflammatory rhetoric about abortion. Yet, polling, focus groups, and direct interactions with Latino communities have debunked these outdated tropes.

The Latino electorate will prove decisive in securing reproductive freedom and abortion access through ballot measures around the country, particularly in states where Latinos are a significant portion of the electorate.

For Latinos, the freedom to decide, a pillar of our American democracy, is critical. Meanwhile, Latinos are being hit directly with anti-abortion efforts that take away that freedom such as the six-week abortion ban put into effect by the Florida Supreme Court and the 1864 abortion ban upheld by the Arizona Supreme Court. In the wake of the Dobbs decision, people of color and Latinas have felt the impact of a lack of abortion access, an element of basic healthcare.

A 2023 report by the National Partnership for Women and Families estimated that nearly 6.5 million Latinas, or 42% of all Latinas of reproductive age in the country, live in a state that either had or was likely to ban abortion. Ironically, it will be abortion access and anti-choice efforts to restrict freedom of choice that will mobilize Latino voters this election.

In a poll conducted by three national reproductive justice organizations, 87% of Latinas named abortion and women’s rights as one of their top priorities as they head to the polls. Another battleground poll conducted by Somos PAC and BSP Research found that 61% of Latino registered voters expressed a more positive/favorable view of Kamala Harris after hearing that she will protect abortion rights, versus only 19% of Latinos who said they had a more negative view of Harris after hearing that.

In key states to secure the White House and both chambers, Latinos make up large chunks of the electorate: Arizona (25%), Colorado (15%), Florida (20%), Nevada (20%), and New York (12%). In the face of unprecedented attacks on basic healthcare access and targeted attempts by extremists to mislead and divide our community on this issue, this November Latinos will be key deciders on abortion access across the country.

Mari Urbina, Managing Director of Indivisible, Battleground Arizona Lead and former Harry Reid advisor.

Héctor Sánchez Barba is president and CEO of Mi Familia Vota (MFV).

This Viral Video Game Is Changing the Face of Voter Outreach

In 2024, voting campaigns have evolved greatly, to say the least. Creativity is now the name of the game and tongue-in-cheek humor is expertly leveraged to drive action. One example of that is Bop the Bigot, a revival of a viral game created in 2016 by Bazta Arpaio, an Arizona activist group, as part of a campaign to unseat Maricopa County’s Sheriff Joe Arpaio. Arpaio lost his re-election to Paul Penzone that year.

The game has now been updated for the current election cycle and relaunched by On Point Studios, with new features added to enable players to find out what’s on their ballot, confirm voter status, and register to vote.

Much like its former 2016 version, the game allows users to take out their political frustrations by virtually “bopping” GOP candidates in the head. It’s very similar to whack-a-mole, except the mole is replaced by former President Donald Trump, Ohio’s Senator J. D. Vance, and Kevin Roberts, President of the Heritage Foundation, which is spearheading Project 2025.

cartoon renditions of Donald Trump and J.D. Vance around a Bop the Bigot logoPromotional image provided by On Point Studios.

B. Loewe, Director of On Point Studios, came up with the concept for this game when working as the Communications Director at Bazta Arpaio in 2016, and is the executive producer of this revamped version. In the first version of the game, Bop the Bigot players used a chancla (flip flop) to “bop” the characters, tapping into Latino culture by leaning on the childhood experience of being set right by a flying chancla from a fed-up mother or grandmother.

This year, the chancla is replaced by a more current element, a green coconut, referencing Kamala Harris’ coconut tree meme. There are also side characters like “the couch,” cat ladies, and more coconuts. All references to jokes about Vice-Presidential candidate Vance, or insults Vance has made about women on the campaign trail.

Another new addition is that Harris’ laugh is immortalized as the game-over sound effect, an unexpected detail that adds even more humor and levity to the game.

cartoon renditions of Donald Trump, Kevin Roberts, and J.D. Vance around a Bop the Bigot logoPromotional image provided by On Point Studios.

Bop the Bigot, which is playable on desktop and mobile, is intended not just as a way to vent political frustrations, but also as a tool for activism and securing voter engagement.

For example, the game supports the work of Mexican Neidi Dominguez Zamorano, Founding Executive Director of the non-profit organization Organized Power in Numbers by using the “game over” screen to prompt players to donate to it and support their efforts.

Organized Power in Numbers is focused on empowering workers in the South and Southwest of the U.S. through collective action and comprehensive campaigns. Their mission is to create a large-scale movement that challenges the status quo and advocates for workers' rights, and racial and economic justice.

Currently, Dominguez Zamorano is leading worker outreach to 2 million working-class voters in the South and Southwest through doorknocking, texting, and calls with the help of local groups in North Carolina, Arizona, New Mexico, and more.

“We have been blown away by the enthusiastic reception for the video game. We knew we wanted to be part of its creative approach because our movement needs more fun and laughter. We need more ways to connect with nuestra gente so we can feel joy among all the absurdity we witness every day,” Dominguez Zamorano shared with Luz Media via email.

“Our people are gente trabajadora and we deserve to feel uplifted even in our toughest moments. We are deeply involved in the South and Southwest so we know what’s at stake in this election and we’re happy this can be a resource to mobilize, raise spirits, and get out the vote," she concluded.

Dominguez Zamorano is a committed activist for immigrants and workers' rights, known for her strategist skills and expertise. She played a key role in the campaign to win DACA and has also held roles in major campaigns, including as Deputy National States Director for Bernie Sanders' 2020 presidential campaign. In addition to her work with Organized Power in Numbers, Dominguez Zamorano is serving as a Senior Advisor to Mijente’s Fuera Trump Initiative.

Grassroots efforts like these have taken on new life in 2024, with Bop the Bigot adding to the larger, ongoing fight against political apathy and disinformation. Just as it did during the 2016 race, the video game uses humor to soften the serious task at hand—getting people to the polls.

"We want the game to be a fun and comical outlet for anyone who’s been insulted, frustrated, or harmed by Trump in the past and everyone who is ready to move forward as a country after election day," explained Loewe in a press release. "The proposals in Project 2025 and the beliefs of Trump and Vance aren’t just weird, they’re truly harmful. We wanted to give people a humorous and peaceful way to smack down their racism and sexism. We hope it makes people laugh and also feel empowered and motivated to get to the polls on or before election day."

With a mix of satire, sharp political critique, and nostalgia, the game is a call to action. The upcoming election, which is getting closer by the minute, has sparked fierce activism and creative yet grounded initiatives like these aim to ensure voters are engaged, especially young Latinos and disenfranchised groups.