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Poll: Americans worry _ can government protect us?

JILL COLVIN
Associated Press

WASHINGTON (AP) — Americans lack confidence in the government’s ability to protect their personal safety and economic security, a sign that their widespread unease about the state of the nation extends far beyond politics, according to the latest Associated Press-GfK poll.

With Election Day about a month away, more than half those in the survey said Washington can do little to effectively lessen threats such as climate change, mass shootings, racial tensions, economic uncertainty and an unstable job market.

“I think what we’ve got going on here in America is the perfect storm of not good things,” said Joe Teasdale, 59, who lives in southwest Wisconsin and works as an assistant engineer at a casino.

For many of those questioned in the poll, conducted before doctors in Texas diagnosed a Liberian man with the Ebola virus, the concern starts with the economy.

The poll found that 9 in 10 of those most likely to vote in the Nov. 4 election call the economy an extremely or very important issue. Teasdale is among those who say the slow recovery from the recession is a top concern.

Despite improvements nationally, business is far from booming in his state, Teasdale said. He’s been supplementing his stagnant salary by renovating and renting out duplexes and has little faith the situation will improve soon. He wants government to get out of the way of business.

“If you’re putting so much restriction on them where it isn’t practical for them to expand or grow, why should they?” Teasdale asked.

Those surveyed also pointed to events such as the protests in Ferguson, Missouri, that followed the fatal police shooting an unarmed black 18-year-old and the beheading of a woman in an Oklahoma food processing plant, apparently at the hand of a suspended co-worker.

“This is the first time I’ve felt insecure in my own country,” said Jan Thomas, 75, of Stevensville, Montana. “Especially after the beheading in Oklahoma. That’s scary.”

The poll found that Democrats tend to express more faith in the government’s ability to protect them than do Republicans. Yet even among Democrats, just 27 percent are confident the government can keep them safe from terrorist attacks. Fewer than 1 in 5 say so on each of the other issues, including climate change.

“There’s too many people who still don’t believe that it’s happening,” bemoaned Felicia Duncan, 53, who lives in Sharonville, Ohio, a suburb of Cincinnati, and works as an office manager at a mechanical contracting company.

Urbanites tend to be more confident the government will keep them safe from terrorist threats than do people living in suburbs and rural areas. Younger Americans are more confident than older people that the government can minimize the threat of mass shootings. When it comes to quelling racial tensions, Hispanics are more confident than are blacks and whites.

Thirteen years after the Sept. 11 attacks, and as the Obama administration conducts airstrikes against Islamic State militants in Syria and Iraq, only 1 in 5 in the poll say they are extremely or very confident the government can keep them safe from another terrorist attack. Four in 10 express moderate confidence.

While there has not been a large-scale terrorist attack on U.S. soil since 9/11, roughly one-third of Americans say they are not too confident or not confident at all in the government’s ability to prevent another.

Bill Denison, 85, who lives in Bradenton, Florida, is among the minority who thinks the government is doing a good job keeping citizens safe, at least when it comes to preventing domestic attacks.

“Overall I think that the best job that we’ve done in this country is with anti-terrorism,” he said. “We’re doing a magnificent job and so far it’s been pretty successful.”

Still, he expressed disbelief at the recent security breaches involving Secret Service agents, including an incident in which a man scaled the White House fence and made his way deep into the executive mansion.

“The fact that a guy can run into the White House is pretty disturbing,” he said. “But we’re only human. And humans are going to make mistakes.”

The AP-GfK Poll was conducted September 25-29, 2014, using KnowledgePanel, GfK’s probability-based panel designed to be representative of the U.S. population. It involved online interviews with 1,845 adults, and has a margin of sampling error of plus or minus 2.5 percentage points for all respondents.

Respondents were selected randomly using telephone or mail survey methods, and later interviewed. People selected for KnowledgePanel who didn’t otherwise have access to the Internet were given free access.

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Associated Press writer Janet McConnaughey in New Orleans contributed to this report.

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Online:

AP-GfK Poll: http://www.ap-gfkpoll.com

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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