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Indiana, Wisconsin couples in gay marriage case

TOM COYNE
Associated Press

SOUTH BEND, Ind. (AP) — The Chicago-based 7th U.S. Circuit Court of Appeals will hear arguments Tuesday on gay marriage fights from Indiana and Wisconsin, setting the stage for one ruling. Each case deals with whether statewide gay marriage bans are constitutional.

For the couples challenging the bans, the fight is about fairness and the right to be treated like other couples. A look at some of the plaintiffs:

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INDIANA:

Amy Sandler and Niki Quasney didn’t plan to get married until they could tie the knot in Indiana.

Cancer changed that.

The two women, inseparable since they met in 2000, were happy together as they moved around the country, finding acceptance in such places as St. Louis, Las Vegas and Chicago.

But Quasney was diagnosed with ovarian cancer in 2009, so two years later, the couple moved to her hometown of Munster, Indiana. They have two daughters, ages 3 and 1, and wanted them to grow up near Quasney’s family.

In Indiana, people weren’t as accepting. They were told they couldn’t obtain a family membership from a gym and when they took one of their daughters to a hospital for a blood test, staff members questioned who Quasney was.

“When we moved to Indiana, we were treated like we were strangers,” said Sandler, 37. “For the first time in a town that we were living in, we were bumping up against hurdles that we never faced. It was really frustrating.”

The couple had a civil union in Chicago in 2011 so that Quasney, a 38-year-old former teacher, could be placed on Sandler’s health plan. They married last August in Massachusetts near a cottage they visit regularly.

Neither of those ceremonies counted in Indiana until April, when a federal judge ordered the state to recognize their marriage because of Quasney’s advanced cancer. They wanted Sandler to be listed as Quasney’s spouse on her death certificate and feared Sandler would have difficulty obtaining death benefits if their union wasn’t recognized.

Sandler said the couple wants other people to have the same rights.

“It’s something we hope changes with the next decision,” she said. “Because everybody wants to have the freedoms that they deserve.”

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For Bonnie Everly and Lyn Judkins, of Chesterton, Indiana, a spring health crisis turned into one of their worst nightmares.

Everly, 56, was hospitalized for six days in March after the carbon dioxide levels in her blood soared and she nearly lapsed into a coma. During that hospital stay, she had a terrifying middle-of-the-night setback that made her fear she was dying.

But because she and Judkins, 58, aren’t relatives, Everly couldn’t get hospital staff to call Judkins, even though they have been together more than 13 years.

“They said, ‘We can take care of you,’ but I said ‘I need her!'” she recalled.

A night custodian finally helped Everly contact Judkins, who arrived at the hospital at about 4 a.m., only to face a 15-minute wait before staff would admit her into Everly’s intensive care unit room.

While they could get married in a state where same-sex marriage is legal, Everly said the legal protections that would bring would vanish once they returned to Indiana. So they joined a lawsuit filed in March by national gay rights group Lambda Legal, which is one of several challenging Indiana’s gay marriage ban.

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WISCONSIN:

During their 25 years together, Madison, Wisconsin, residents Katy Heyning and Judi Trampf prepared health care powers of attorney that gave each of them the ability to make medical decisions for the other. But they didn’t have the documents with them when they traveled to New Orleans in 2002.

Heyning was there attending a conference, and Trampf joined her when it ended. The day after she arrived, Heyning suffered a seizure in their hotel room.

Trampf called 911. When their ambulance arrived at the hospital, personnel asked Trampf what sort of relationship she had with Heyning.

When she told them she was Heyning’s domestic partner, they demanded to see the powers-of-attorney documents and told her that unless she had them in-hand, she wouldn’t be allowed to make any decisions for Heyning.

That left Heyning’s brother in charge as her next-of-kin. Heyning eventually regained consciousness but had trouble responding to questions. Trampf tried to answer for her, but hospital staff ignored her.

The couple later scanned their documents into their smartphones so they’ll always have them with them. But Trampf said it’s not fair.

“There was no standing in this medical center’s mind legally who I was unless I had paper,” she said. “That’s when we started to realize, ‘My God, we have to have all this paper on us that others don’t just in case something happens.”

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Garth Wangemann had a new health care power of attorney form drawn up before undergoing surgery for lung cancer in 2011. He and his partner, Roy Badger, had older forms, but Wangemann feared they might be out of date.

When Wangemann developed complications that required doctors to put him in a medically induced coma for more than a month, Badger decided to keep him on life support. Wangemann’s father wanted him removed and spoke to an attorney about trying to override Badger’s power of attorney. The issue became moot when Wangemann woke up.

Wangemann, 58, of Milwaukee, said he wasn’t upset that his father wouldn’t have chosen to keep him on life support, but he was hurt that his father still didn’t recognize Badger as his spouse after 37 years.

“Just the fact that my dad had the right to do that, or thought he did, hurt a lot,” Wangemann said.

The couple later told a friend about the conflict, and their story eventually got passed on to the ACLU, which reached out to them earlier this year about joining the lawsuit.

“It was a surprise to us that they were even interested,” said Badger, 57.

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Associated Press writers Rick Callahan in Indianapolis, Todd Richmond in Madison, Wisconsin, and M.L. Johnson in Milwaukee contributed to this report.

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

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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