Dems platform for 2016 election – part 3

Again the question is how will the dems and the country pay for these expansive promises. I’m especially concerned about reinstating the bankruptcy laws allowing borrowers for student loans since we know the vast majority of students with debt will take advantage of this “get out of debt free” card.

Providing Relief from Crushing Student Debt
“As we make college affordable for future students, we will not forget about the millions of borrowers with unsustainable levels of student debt, who need help right now. Democrats will allow those who currently have student debt to refinance their loans at the lowest rates possible. We will simplify and expand access to income-based repayment so that no student loan borrowers ever have to pay more than they can afford. And we will significantly cut interest rates for future undergraduates because we believe that making college more affordable is more important than the federal government making billions of dollars in profit off those loans. Democrats will also fight for a student borrower bill of rights to ensure borrowers get adequate information about options to avoid or get out of delinquency or default. We will hold lenders and loan servicers to high standards to help borrowers in default rehabilitate and repay their debts.
Finally, Democrats will restore the prior standard in bankruptcy law to allow borrowers with student loans to be able to discharge their debts in bankruptcy as a measure of last resort. “

Some programs supported by the Dems are just not practical because they have proven over years that federal governments are not good at running businesses. Head start is one of those programs that is good in theory but no in actual practice.
Guaranteeing Universal Preschool and Good Schools for Every Child
“Democrats believe we must have the best-educated population and workforce in the world. That means making early childhood education and universal preschool a priority, especially in light of new research showing how much early learning can impact life-long success. Democrats will invest in early childhood programs like Early Head Start and provide every family in America with access to high-quality childcare and high-quality preschool programs.
democracy, a propeller of the economy, and the vehicle through which we help all children
Mentoring is a strategy to ensure that children living in poverty have the encouragement and support to aim high and enter the middle class. We will focus on group
mentoring, which is a low-cost, high-yield investment that offers the benefit of building a supportive network of peers who push one another towards success.
We will continue to crack down on for-profit schools that take millions in federal financial aid—
often as their principal source of revenue—and then exploit students and burden them with debt
rather than educating them. That is why we will strengthen the gainful employment rule to
ensure that for-profit schools enable students to complete their degrees and prepare them for
practices. We will also exercise our responsibility in oversight over the Department of Education
to carry out their obligation to close down those for-profit schools that consistently engage in
fraudulent and illegal conduct. It is unacceptable that for-profit schools with low graduation rates
keep encouraging their students to take out federal loans they will have trouble paying back.
Therefore, to the maximum extent possible, we will also encourage widespread relief and the
forgiveness of debt to those students harmed by the practices of fraudulent institutions.
We support efforts to
raise wages for childcare workers, and to ensure that early childhood educators are experienced
and high-quality.
We will ensure there are great schools for every child no matter where they live. Democrats
know the federal government must play a critical role in making sure every child has access to a
world-class education. We believe that a strong public education system is an anchor of our
achieve their dreams. Public education must engage students to be critical thinkers and civic
participants while addressing the wellbeing of the whole child.
We also support increased investments in afterschool and summer learning programs, which help
working families, keep kids safe, and inspire learning at a time when many students are left
unsupervised. We must find ways to encourage mentoring programs that support students in
reaching their full potential.
Democrats believe all students should be taught to high academic standards. Schools should have
adequate resources to provide programs and support to help meet the needs of every child. We
will hold schools, districts, communities, and states accountable for raising achievement levels
for all students—particularly low-income students, students of color, English Language
Learners, and students with disabilities.
We must fulfill our national commitment to provide a meaningful education to students with
disabilities, and work towards full funding of the Individuals with Disabilities Education Act so
that students with disabilities can receive the extra resources and services they need. With an

appropriate educational foundation, children with disabilities can thrive and become adults with
greater opportunities and more meaningful life experiences.
We are also deeply committed to ensuring that we strike a better balance on testing so that it
informs, but does not drive, instruction. To that end, we encourage states to develop a multiple
measures approach to assessment, and we believe that standardized tests must be reliable and
valid. We oppose high-stakes standardized tests that falsely and unfairly label students of color,
students with disabilities and English Language Learners as failing; the use of standardized test
scores as basis for refusing to fund schools or to close schools; and the use of student test scores
in teacher and principal evaluations, a practice which has been repeatedly rejected by
quality teachers. We will ensure that teachers receive the tools and ongoing professional
We will invest in high-quality STEAM classes, community schools, computer science education, arts education, and expand link learning models and career pathways. We will end the school-to- prison pipeline by opposing discipline policies which disproportionately affect African Americans and Latinos, Native Americans and Alaska Natives, students with disabilities, and youth who identify as LGBT. We will support the use of restorative justice practices that help students and staff resolve conflicts peacefully and respectfully while helping to improve the teaching and learning environment. And we will work to improve school culture and combat bullying of all kinds.
The Democratic Party is committed to eliminating opportunity gaps—particularly those that lead to students from low-income communities arriving on day one of kindergarten several years behind their peers. This means advocating for labor and public assistance laws that ensure poor parents can spend time with their children. This means raising household incomes in poor communities. It means ensuring children have health care, stable housing free of contaminants, and a community free of violence in order to minimize the likelihood of cognitive delays. It means enriching early childhood programming to prepare children in areas such as literacy, numeracy, civic engagement, and emotional intelligence. It means supporting equitable and adequate state funding for public education, and expanding Title I funding for schools that serve a large number or high concentration of children in poverty. It means ending curriculum gaps that maintain and exacerbate achievement gaps.
We support policies that motivate rather than demoralize our educators. We are committed to ensuring that schools that educate children in poverty are not treated unfairly, which is why we
researchers. We support enabling parents to opt their children out of standardized tests without
penalty for either the student or their school.
Democrats recognize and honor all the professionals who work in public schools to support
students’ education—teachers, education support professionals, and specialized staff. We know
that good teachers are essential to improving student learning and helping all students to meet
high academic standards. Democrats will launch a national campaign to recruit and retain high-
development they need to succeed in the classroom and provide our children with a world-class
education. We also must lift up and trust our educators, continually build their capacity, and
ensure that our schools are safe, welcoming, collaborative, and well-resourced places for our
students, educators, and communities. “

Dems are supporters of universal health care which is not popular with the majority of the public and no matter how they try to craft it they cannot show how they will pay it in a practical fashion, witness Obamacare.

“Democrats believe that health care is a right, not a privilege, and our health care system should put people before profits. Thanks to the hard work of President Obama and Democrats in Congress, we took a critically important step toward the goal of universal health care by passing the Affordable Care Act, which has covered 20 million more Americans and ensured millions more will never be denied coverage because of a pre-existing condition. Democrats will never falter in our generations-long fight to guarantee health care as a fundamental right for every American. As part of that guarantee, Americans should be able to access public coverage through a public option, and those over 55 should be able to opt in to Medicare. Democrats will empower the states, which are the true laboratories of democracy, to use innovation waivers under the ACA to develop unique locally tailored approaches to health coverage. This will include
removing barriers to states which seek to experiment with plans to ensure universal health care to every person in their state. By contrast, Donald Trump wants to repeal the ACA, leaving tens of millions of Americans without coverage.
For too many of us, health care costs are still too high, even for those with insurance. And medical debt is a problem for far too many working families, with one-quarter of Americans reporting that they or someone in their household had problems or an inability to pay medical bills in the past year. Democrats will also work to end surprise billing and other practices that
lead to out-of-control medical debt that place an unconscionable economic strain on American households. We will repeal the excise tax on high-cost health insurance and find revenue to offset it because we need to contain the long-term growth of health care costs, but should not risk passing on too much of the burden to workers. Democrats will keep costs down by making premiums more affordable, reducing out-of-pocket expenses, and capping prescription drug costs. And we will fight against insurers trying to impose excessive premium increases.
Democrats will fight any attempts by Republicans in Congress to privatize, voucherize, or “phase out” Medicare as we know it. And we will oppose Republican plans to slash funding and block grant Medicaid and SNAP, which would harm millions of Americans.
We will keep fighting until the ACA’s Medicaid expansion has been adopted in every state. Nineteen states have not yet expanded Medicaid. This means that millions of low-income Americans still lack health insurance and are not getting the care they need. Additionally, health care providers, clinics, hospitals, and taxpayers are footing a higher bill when people without insurance visit expensive emergency rooms.
Democrats believe your zip code or census tract should not be a predictor of your health, which is why we will make health equity a central part of our commitment to revitalizing communities left behind. Democrats believe that all health care services should be culturally and linguistically appropriate, and that neither fear nor immigration status should be barriers that impede health care access.”

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