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Boost for vets’ health: Obama signs new law

By WTOP Staff

MATTHEW DALY
Associated Press

FORT BELVOIR, Va. (AP) — Tens of thousands of military veterans who have been enduring long waits for medical care should be able to turn to private doctors almost immediately under a law signed Thursday by President Barack Obama.

Other changes will take longer under the $16.3 billion law, which is the government’s most sweeping response to the problems that have rocked the Veterans Affairs Department and led to the ouster of Eric Shinseki as VA secretary.

Improved access to outside care is likely to be the most immediate effect. Veterans who have waited at least a month for a medical appointment or who live at least 40 miles from a Veterans Affairs hospital or clinic will be able to see private doctors at government expense.

Expanding the VA staff by hiring thousands of doctors, nurses and mental health counselors — another key component of the law — will take months to get underway and years to complete, VA officials said. Opening 27 new clinics across the country will take at least two years.

“Implementing this law will take time,” Obama acknowledged as he signed the bill at Fort Belvoir, an Army base in Virginia just outside Washington. Service members, veterans groups and military leaders attended the ceremony, along with lawmakers from both parties.

Obama called the legislation a rare example of Republicans and Democrats working together effectively. He also said more action was needed.

“This will not and cannot be the end of our effort,” he said. “And even as we focus on the urgent reforms we need at the VA right now, particularly around wait lists and the health care system, we can’t lose sight of our long-term goals for our service members and our veterans.”

Noting issues including mental health care and homelessness among veterans, he said, “we’ve got more work to do.”

Paul Rieckhoff, founder and CEO of Iraq and Afghanistan Veterans of America, called the new law “a Band-Aid solution,” all that Congress could accomplish in an emergency.

“Anybody who thinks this is going to fix the problem is not being honest about this,” Rieckhoff said, citing a host of issues the bill leaves unaddressed, from veterans’ suicides and homelessness to a stubborn backlog in disability claims.

Daniel Dellinger, national commander of the American Legion, the nation’s largest veterans group, called the bill an important step to begin repairing systemic problems at the VA.

“But it is only one step and only a beginning,” he said.

The measure, approved overwhelmingly in the House and Senate, is a response to reports of veterans dying while awaiting appointments to see VA doctors and of a widespread practice of employees covering up months-long wait times for appointments. In some cases, employees received bonuses based on falsified records.

Under the new law, employment rules will be revised to make it easier to fire senior VA executives judged to be negligent or performing poorly.

The law devotes $10 billion in emergency spending over three years to pay private doctors and other health professionals to care for qualifying veterans who can’t get timely appointments at VA hospitals or clinics or who live more than 40 miles from one of them. It includes $5 billion for hiring more VA doctors, nurses and other medical staff and $1.3 billion to open 27 new VA clinics across the country.

Veterans groups said that just as important as the new law will be the performance of new VA Secretary Robert McDonald, who was present for Thursday’s bill-signing.

The former Procter & Gamble CEO was sworn in July 30 to lead the sprawling agency, which employs more than 310,000 people and provides health care for nearly 9 million enrolled veterans and disability compensation for nearly 4 million.

McDonald has pledged to “transform” the VA and has said improving patient access to health care is a priority, along with restoring transparency, accountability and integrity to the agency. He has directed VA facilities across the country to hold “town hall” style meetings to make sure they’re getting honest feedback from veterans, a move Obama applauded Thursday.

“This is a labor of love for him, and he has hit the ground running,” Obama said.

McDonald travels to Phoenix on Friday to visit the VA hospital where the scandal started amid reports of secret waiting lists and patients dying while waiting for care.

The VA has reported recent progress in reducing delays. VA data from mid-July showed about 35,000 veterans had waited at least 90 days for initial appointments, down from 57,000 in mid-May.

The VA announced last week that it planned to fire two supervisors and discipline four other employees in Colorado and Wyoming accused of falsifying health care data.

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Daly reported from Washington. Reach him at: https://twitter.com/MatthewDalyWDC

Copyright 2014 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Don’t Settle for Student Loans to Pay for Online Education

By WTOP Staff
Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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