SSI/SSP Increase Advances to Senate Appropriations

nadineSACRAMENTO, CA – AB 1584 by Assemblymember Cheryl R. Brown (D-San Bernardino) moves to the Senate Appropriations Committee after receiving unanimous support in the Senate Human Services Committee. The bill would reinstate the cost of living adjustment for the Social Security Insurance/State Supplemental Payment (SSI/SSP) grant, and lift an estimated 1.3 million Californians out of poverty.

“I want to thank my colleagues in the Senate for their advocacy on behalf on of California’s seniors,” Assemblymember Brown said. “This legislation will lift over one million seniors and adults with disabilities out of poverty.”

SSI/SSP grants assist seniors and other disabled Californians who are unable to work.  These benefits, administered by the Social Security Administration, provide income support to individuals who are over 65, blind or disabled. These grants are also available to qualified blind or disabled children.  Starting in 2008, cuts made by the Legislature and the Governor reduced grants to amounts well below the federal poverty level.

“As a society, we have a responsibility to ensure that our seniors can age with dignity,” Assemblymember Brown said.  “AB 1584 is a small step toward the full restoration of recession era cuts to the SSI/SSP program, as well as preparation for the upcoming silver tsunami.”

Loma Linda University Health San Bernardino Campus Ribbon Cutting Signifies Opportunity for Education, Wellness and Hope, Now and for the Future

LOMA LINDA, CA- A joyful and emotional celebration marked the completion of Loma Linda University Health – San Bernardino Campus.

“This day is a dream come true,” said Loma Linda University Health president Richard H. Hart, MD, DrPH. After years of planning and18 months of construction, the completion of the project brought Hart to tears as he spoke.

Over 500 members of the community came out to be a part of history for the City of San Bernardino as officials held the ribbon cutting ceremony for the campus Wednesday, June 22.

“We are opening the door to better health and the opportunity to fulfill important educational dreams for many in our region,” said Roger Hadley, MD, dean, LLU School of Medicine.

The one-of-a-kind health care and education facility funded in part by a generous gift of $10 million from the San Manuel Band of Mission Indians will house the San Manuel Gateway College, an expanded multi-specialty medical clinic operated by Social Action Community Health System (SACHS) and a vegetarian restaurant, which will showcase the longevity enhancing benefits of a plant-based diet.

“I cannot think of a better partner than Loma Linda University Health – a relationship that goes back 110 years,” said Ken Ramirez, tribal secretary, San Manuel Band of Mission Indians. “We are eager to continue to serve, educate and take care of the community we call our home and our family.”

The facility will soon be busy providing health care and education to members of the community: June 27 is move-in day for SACHS; behavioral health services, and family medicine residency; and current SACHS pediatric services begin Monday, July 18.

In early August, the pediatric teaching office begins services, and internal medicine and OB-GYN and specialty clinics begin services.

“I can’t help but get emotional,” said Nancy Young, CEO, SAC Health System. “This building has been our dream for so many years and it’s finally coming true. This project will be the beginning of the transformational healing for the city we all love and are honored to serve.”

San Manuel Gateway College programs, including medical assistant, front and back office skills and certified nurse assistant, are scheduled to begin in September.

Arwyn Wild, executive director of San Manuel Gateway College explained his eagerness to give high school kids the confidence and resources to succeed. “This is not about us,” he said, “it is about the future, providing a light at the end of the tunnel for our kids.”

Coming from the San Bernardino Unified School District, Wild knows firsthand the challenges many underserved kids in our area go through and what they need to succeed. In addition to the college and medical clinic, Farmacy Fresh Café will open in the fall offering a wide variety of ready-to-eat and cooked-to-order vegetarian dishes.

What it do with LUE: BJ, Founder of The Garage Dance Studio

BJ, founder of The Garage Dance Studio

BJ, founder of The Garage Dance Studio

Do you like to dance? Do you like to move? This week BJ, founder of The Garage Dance Studio, is What It Do! Living in an urban community with many talented youth, I am so happy that a positive individual like BJ is giving back. What a breath of fresh air for our youth. Not everyone sings, raps, or plays an instrument; some simply dance! With that being said here’s more about the choreographer they call BJ.

As a young child growing up in the 1980s and 1990s, BJ sat in front of his parent’s TV set constantly mimicking dance moves from artists such as Michael Jackson. He eventually received a chance to perform in front of crowds of people. From family parties, to dance competitions, and dance studios, the talented dancer impressed the public with his street choreography. Watching artists and dancers perform moves motivated him to dance and get better. By his teenage years, BJ realized that dancing could be something to pursue, so he kept going.

BJ was introduced to the dance world when he began touring doing background dancing for upcoming artists and other dance crews in need of extras. His first tour was back in 2000 and from there he has been addicted to the popularity.

He continued to push fourth and was added to a popular tour called “Scream tour” with artists that included as Bow Wow, B2K, and other big names. BJ soon began to make a name for myself in the Dance community when he was a part of the Dance show called “Dance 360,” which aired on UPN where he was called out to battle amongst five other people and won.

With his journey and experience in dance, BJ believes that if he ever had the opportunity to open his very own dance studio he would in a heartbeat and that is exactly what happened. This dude turned his mother’s garage into a mini dance studio and name it “The Garage Dance Studio.”

“Knowing that there is no source of entertainment or dance here in the Lost City a.k. Colton, California motivated me to open the dance studio,” BJ states.“For me being a dance lover, I wanted to open the facility to give youth the opportunity to come and learn dance. A lot of these kids don’t have the means to go to LA. I figured why not give it a shot and open something for them. With over seventeen years of professional experience under my belt, I provide lots of variety to students. My dance instruction involves a mixture of hip-hop, pop, and old-school dance styles.”

“All in all, I feel like I have lived up to my childhood dream by becoming a hardworking, successful dancer and I will continue to push fourth until I reach the top. There are lots of things that I have to still accomplish until I past that bridge. I will continue to bless others with my gift of dance.”

 Make sure you support this young man and his efforts. Remember to make the world your DANCE FLOOR. L’z!

 

Temple Baptist Church Celebrates 25 Years of Service for Senior Pastor Raymond W. Turner

Pastor and Cheryl 2016 (2)SAN BERNARDINO, CA-Temple M.B. Church invites you to join us as we celebrate our Senior Pastor Raymond W. Turner, for 25 years of service, and honor our First Lady, Cheryl Turner.  The service is Sunday, July 17, 2016, at 3:30pm. Our guest speaker is Pastor Sylvester Turner, Pilgrim Baptist Church, Richmond, Virginia.  T.M.B.C. is located at 1583 W. Union Street, San Bernardino.  For more information call (909) 880-2038, or visit our website at www.templemissionarybaptistchurch.org.

UC Riverside Professor to Develop Online Courses on African Literature

Anthonia Kalu

Anthonia Kalu

UC Riverside Professor Anthonia Kalu has received two awards from the UC Office of the President to develop, design and teach two online courses, called “Introduction to African Literature” and “Women in African Literature.”

The Innovative Learning Technology Initiative is a UC system-wide initiative that offers high quality online courses that satisfy degree requirements and help UC students graduate on time. Kalu, who joined the faculty in July 2015, has a strong record of program and curriculum building and has taught online classes before.

Kalu, who teaches in both the Department of Comparative Literature and Foreign Languages, and the Department of Gender and Sexuality Studies, said she wants African literatures (oral and written) to become part of ongoing research and initiatives in the Digital Humanities. She said the idea started after a March workshop titled, “Rethinking the Classroom with Digital Strategies: An Interactive Panel Discussion” co-hosted by Computing and Communications and the UCR Library.

She spoke to Sheryl Hathaway, a senior instructional design analyst with UCR Computing & Communications, about the possibility of teaching African literatures online, using the Rienner Anthology of African Literature, edited by Kalu in 2007.

“From the beginning, Dr. Hathaway was excited about the idea of having African literature online and she put together a team to look at possibilities,” Kalu said. The team included computer specialists and copyright experts from the UCR Libraries. The project is funded for a three-year period, and each course has been funded for $110,000.

The courses will involve not only lectures, but also video interviews conducted by Professor Kalu with African authors and storytellers. They are expected to be ready for enrollment in Fall 2017.

“We are proud of Professor Kalu’s pioneering achievement, and we wish her all success in implementing these exciting courses,” said Tom Scanlon, chair of the Department of Comparative Literature.

 

“Payback is a Mother….!”

Lou Coleman

Lou Coleman

By Lou Coleman

You better check yourself before you wreck yourself!  Take God’s grace for granted if you want too! SUDDEN DESTRUCTION will come upon you so fast that it will have your head spinning.  God will not allow you to become complacent or neglectful concerning Him. He will not allow you to take Him for granted. Beware of taking God’s grace for granted! He does not take it lightly.  When God learnt of what Israel had done to His servants; when He learnt of how Israel had over and over again, betrayed His love and taken His grace for granted, God became furious. His patience had been tested by His very own people – Israel. And so God’s wrath came upon Israel. God used the Roman armies to destroy Israel and its Temple. “What shall you say then? Shall you continue in sin, that grace may abound? God forbid….”— [Rom. 6:1-2; 15-16]

Listen, God is NOT SLACK! We MUST understand that! And He says that He does not want ANY of us to perish, but that we should ALL come to REPENTANCE! And that is what this message is all about. Today, I plead with you, in love for your soul, not to be foolish, but to be wise, to consider your “latter end,” and to believe on the Lord Jesus Christ as your own personal Savior.  I want you to know that God is stirring up His Spirit in a few who are awake to the call to REPENT AND AWAKEN. We know that time is short, and we have remembered what Christ taught us through His Word and through all of His apostles, including His end time apostle. Those of us who are awake know that time is URGENT. We see the sword and we are heeding God’s instruction to WARN! “Again the Word of the Lord came unto me, saying….. Speak to the children of thy people, and say unto them, when I bring the sword upon a land … when the watchman see the sword come upon the land, he blow the trumpet, and warn the people; then whosever hear the sound of the trumpet, and take not warning; if the sword come, and take him away, his blood shall be upon his own head. But he that takes warning shall deliver his soul. So I have set thee a watchman unto the house of Israel; therefore thou shall hear the word at my mouth, and warn them from me…” [Ezekiel 33:1-4]

The Trumpet is sounding…… who will hear? Consider these Scriptures [Leviticus 26] and [Deuteronomy28], the “blessings and cursing” chapters of the Bible; in light of what you have just read: the increasing pressure that God applies in order to draw us closer to Him and to stop taking Him for granted. See how these curses are increasingly intensified each time Israel failed to repent of neglecting of God. What tragic results complacency toward God reaps! I tell you the Holy Spirit cries out for you who are Christians to take your Christian faith seriously, not to neglect it, not to take it for granted, and certainly not to despise it. You have been called out of darkness into the marvelous light of Christ. You have been baptized into Christ and called out of Satan’s kingdom and into the kingdom of Christ. But you’re not home free until you’re home; you have been shown wondrous grace. But you also have a warning from God in the pages of the Holy Scripture that you do well to heed, never to take His grace for granted. If only Israel had heeded this warning given by Christ. But, just like their forefathers who left Egypt with Moses, they took God’s grace to them for granted. Don’t let that be said about you!

You may assume that since you were once called to faith and baptized, you don’t need a living and active faith in Christ; you don’t need to hear His Word and receive His Sacraments as much as other people do. You may assume that since you have worked so hard to live a good and decent life, you now deserve God’s grace and recognition more than someone else does. Don’t be deceived! Satan will try to lead you to such false assumptions, to take God’s grace for granted and to imagine that you’ve earned His favor and deserve His goodness. But such wickedness drives out faith and the Holy Spirit and threatens to make your outcome like that of Israel. Payback is a Mother….. To whom shall I speak and give warning that they may hear?

 

Letter to the Editor: Response to “CSU – San Bernardino, Students Find Climate Survey Corrupt and a Waste of Tax-Payer’s Money”

Dear Editor of the Westside Story Newspaper,

We are the three faculty members who authored the campus climate report that was referenced in a recent post to the WSN: “CSU – San Bernardino, Students Find Climate Survey Corrupt and a Waste of Tax-Payer’s Money,” June 16, 2016. In this letter, we hope to correct the factual errors contained in that article.

There were two primary charges made within that article. Although we support the students’ right of free speech and an open dialog of issues, we must correct their misconceptions that:

1. Taxpayer money was wasted, and

2. The climate survey was “corrupt” (which we interpret from comments in the story that the survey was seen to be “misleading, conveniently inaccurate, and deliberately designed to attack President Morales and his administration.”)

First, we provide a thumbnail reaction to those charges and then for the interested reader, provide a longer explanation with regard to what we perceive as the most serious charge — that the survey was biased.

1. Waste of taxpayer money: We three faculty who analyzed the data and wrote the report

2. Corrupt” survey: As professionals who conduct surveys as part of our work, the survey were not compensated in any way for the work done. More specifically, we did the work without any payment and we did the work largely on our weekends, outside of our usual university duties.

The survey itself was hosted by a marketing firm in North Carolina, without charge to the campus. Further, we did the work on our home computers, so no state resources, apart from the email program to send the invitations, were used in analysis or report preparation. Thus, the charge that the survey was a “waste of taxpayer money” is untrue, as no state resources were used in its administration, analysis, or report preparation was written, administered, and evaluated according to scientific standards. We took every precaution to be sure that the survey would be an unbiased picture of the campus climate as experienced by the employees of the university.

The survey was conducted to assess climate, which by necessity does include leadership as leaders are largely responsible for the cultures of their organizations. Students, who are not employees of the campus, were not invited to take the survey because: a) it was our understanding that CSUSB’s Office of Institutional Research had planned a climate survey for students for 2016, thus any effort on our part to survey students would have duplicated that planned effort, and b) as item 1 above demonstrates, we had very limited resources with which to conduct the survey.

We applaud the fact that the students who wrote the article for WSN are concerned and are committed enough to speak out. We believe, however, that they are misinformed and that the community is well-served by knowing the facts. We stand ready to meet with the students who wrote the original article to provide further information if they are interested. And for readers who are interested, following is more detail regarding the method by which we conducted the survey.

As discussed in the background section in both reports (Phases I and II), the Senate Ad Hoc Committee was formed and included faculty with extensive expertise in survey design, organizational climate, morale, and leadership, survey methods, and data analysis. Additionally, several employees who have substantial knowledge of staff issues on the campus also joined the committee. Three administrators were invited to join the committee; all declined. It was brought to our attention that the administration was working on a student survey. Indeed, as of this writing, a 2016 survey is in development (see Current Student Survey 2015-2016 at www.csusb.edu/institutional-research/institutional-research). Students also have several opportunities to evaluate aspects of university life relevant to their experiences as students. The National Survey of Student Engagement administers a survey on an annual basis and all students have an opportunity to participate (see current year and previous years’ results at www.csusb.edu/institutional-research/institutional-research/national-survey-student-engagement).

The decision to design the survey for faculty, staff, and administrators was appropriate given that organizational climate surveys are typically administered to those employees who have long-
term occupational ties and commitments to the organization, and are most directly affected by the climate. The Chronical of Higher Education (CHE) acknowledges the importance of assessing employee perceptions of climate on a regular basis as a means of understanding employee morale, perceptions of leader effectiveness, job satisfaction, etc. In the CHE national survey titled “Great Colleges to Work For,” the survey sample consists of administration, faculty, exempt and non-exempt staff.

With regard to assertions that the survey was “corrupt” (misleading and designed to disadvantage the President of CSUSB), we direct readers to the Methods section of the campus climate report (Phase I), pages 7 through 9 at http://senate.csusb.edu/reports.htm. The committee began its work by identifying key dimensions of organizational climate based on the relevant literature of climate. We then examined climate surveys that had already been administered at other CSU and UC campuses, including a climate survey of CSUSB staff that was administered in 2010. The majority of the questions in the CSU surveys were in an item database developed at the CSU Chancellor’s Office, and many of those items were in the 2015 CSUSB campus climate survey. The final survey that was administered is open to the public and can be viewed at the following URL: sites.google.com/site/2015csusbcampusclimate. In addition, we encourage readers to review the Frequently Asked Questions, also on that website, to learn more about the survey process.

Steps were taken to minimize biases. For example, when we learned that fall quarter 2015 coincided with the three year review of the campus president, we purposefully waited to launch the survey until after the deadline had passed for the campus community to submit comments about the president to the Chancellor’s Office.

In addition, prior to administering the survey, three CSUSB employees (one of whom was retired) reviewed each item independently to ensure no bias was present in the wording of the items and that the items and instructions were articulated clearly.

Finally, the Campus Climate Ad Hoc committee submitted the full survey and informed consent forms to the CSUSB Institutional Review Board (IRB) and received approval to administer the survey. The IRB is an entity charged with ensuring that appropriate steps are taken to protect the rights and welfare of humans participating as subjects in the research. To accomplish this purpose, IRBs use a group peer review process to review research protocols and related materials (e.g., informed consent documents, surveys, interview questions, and protocol design) to ensure protection of the rights and welfare of human subjects of research.

As professionals in the field of organizational behavior, we know that assessing the climate of any institution on a regular basis is crucial for organizational learning. By surveying organizations, leaders gain a better understanding of the overall attitudes of their employees and use the results to develop or change practices and policies based on the actual survey responses/data. Many successful organizations and institutions, as a best practice, administer climate surveys regularly because they recognize the importance of maintaining a healthy climate, which is positively related to employee commitment, productivity, and satisfaction, among other benefits.

CampusClimateReportMarch8 2016 date corrected


Jan Kottke, Professor, Department of Psychology, chair of the ad hoc campus climate committee

Kathie Pelletier, Professor, Department of Management

Barbara Sirotnik, Professor, Department of Information Decision Sciences

Business Education Program for Women Entrepreneurs Now Accepting Applications

RIVERSIDE, CA- If you’re a woman who wants to start a business, or if you know a woman longing to be an entrepreneur, you can start to make those dreams a reality. Applications are now being accepted for an intensive program of education, business planning, and business counseling for women who want to start their own businesses.

The program is offered by the Inland Empire Women’s Business Center, a program of the Inland Empire Center for Entrepreneurship at Cal State San Bernardino in partnership with the U.S. Small Business Administration, and sponsored by Citibank.

“It’s Your Time: Entrepreneurial Training Series for Women,” offers women education, business counseling, and individual support to help them develop a workable business idea. Participants selected for the program must attend a minimum of 12 workshops, work individually with a business counselor for at least two hours, and write a business plan. The cost to participate is based on income, and ranges from a minimum of $25 to a maximum of $130 for all program services. The program is open to women living in San Bernardino and Riverside counties.

Three graduating participants will be selected to receive an award to help launch their new ventures.

“We know there are women in the Inland Empire who have great business ideas,” said IEWBC director Nicole Kinney. “This program will help them evaluate those ideas and learn how to turn them into a viable business through education, focus, and accountability.  Business counselors and mentors help participants focus on the essential elements of business planning and offer real-world experience to guide them through the start-up process.”

Applications for “It’s Your Time” are available at the IEWBC website at www.iewbc.org, and must be completed and submitted by Friday, July 22, 2016 at 5 p.m. Late applications will not be accepted. Program orientation for qualified participants will be held on August 15. Participants will have until early December to complete the program requirements.

The Inland Empire Women’s Business Center, 3780 Market St. in Riverside, is a program of the Inland Empire Center for Entrepreneurship at Cal State San Bernardino.  Housed in the College of Business and Public Administration, IECE, which administers the program in collaboration with the U.S. Small Business Administration, is inland Southern California’s leading organization dedicated to supporting and promoting entrepreneurship. The IEWBC provides business counseling, training and mentoring designed for women business owners.

The Inland Empire Women’s Business Center hours are Monday-Friday, 9 a.m. to 5 p.m. and Saturday by appointment only. For more information, visit the IEWBC website at www.iewbc.org or contact Nicole Kinney at (909) 890-1242.

Set in the foothills of the beautiful San Bernardino Mountains, CSUSB is a preeminent center of intellectual and cultural activity in inland Southern California. CSUSB serves more than 20,000 students each year and graduates about 4,000 students annually. CSUSB is listed among the best colleges and universities in the western United States, according to The Princeton Review, Forbes, U.S. News and World Report and Money Magazine.

For more information on Cal State San Bernardino, contact the university’s Office of Strategic Communication at (909) 537-5007 and visit news.csusb.edu.

Metrolink to operate special holiday service on July Fourth

 LOS ANGELES, CA – In observance of Independence Day, Metrolink will not operate service on Monday, July 4, with the exception of two round-trip trains on the Antelope Valley Line between Lancaster and Los Angeles Union Station.

Antelope Valley Line train 262 will depart Lancaster at 8:55 a.m. and arrive in Los Angeles at 11 a.m., while Antelope Valley Line train 268 will depart Lancaster at 2:25 p.m. and arrive in Los Angeles at 4:30 p.m.

Making the return to trip to the Antelope Valley will be train 263 departing Los Angeles Union Station at 11:40 a.m., while train 269 will depart LAUS at 5:25 p.m. The trains will reach Lancaster at 1:50 p.m. and 7:25 p.m.

The four trains will make stops at all 11 stations along the Antelope Valley Line. Regular service will operate system-wide on Saturday and Sunday, July 2 to July 33, and resume on Tuesday, July 5.

July 1 Brings Lower Interest Rates on New Federal Student Loans

loan debtJuly 1 is an important date for students and families: it’s when most changes to federal student aid – both loans and grants – go into effect. For the year starting July 1, 2016, new federal loans for undergraduates, graduate students, and parents will have lower fixed interest rates than loans taken out the year before, and the maximum Pell Grant will be higher. To help inform college borrowing decisions, there is a new easy-to-read chart with 2016-17 interest rates, loan amounts, and other useful information for the most common types of federal loans.

The coming changes include:

  • On July 1, the maximum Pell Grant will be adjusted for inflation to $5,815, up from $5,775. Pell Grants help nearly eight million lower income students pay for college and limit how much they need to borrow.
  • The new maximum grant for will cover less than 30% of the cost of attending a public four-year college, the smallest share in over 40 years. And under current law, the maximum Pell Grant will no longer be tied to inflation after 2017-18.
  • On July 1, the fixed rates for new federal loans will be lower than the rates for loans issued last year.
  • Stafford loans for undergraduates, subsidized and unsubsidized: 3.76% for loans issued in 2016-17 (down from 4.29% for loans issued in 2015-16).
  • Stafford loans for graduate students: 5.31% for loans issued in 2016-17 (down from 5.84% for loans issued in 2015-16).
  • Parent and Graduate PLUS loans: 6.31% for loans issued in 2016-17 (down from 6.84% for loans issued in 2015-16).
  • On October 1, origination fees will increase slightly for new federal loans.
  • For loans issued October 1, 2016 through September 30, 2017, fees will be 1.069% of principal for all Stafford loans (up from 1.068%), and 4.276% for all PLUS loans (up from 4.272%).

For more information about federal student loans for the coming school year, see the summary chart, Federal Student Loan Terms for 2016-17 below:

This chart summarizes the interest rates, loan limits, and other terms for federal student loans issued from July 1, 2016 through June 30, 2017.

Basic Eligibility Requirements

U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid. Total aid, including student loans, cannot exceed the school’s total cost of attendance (tuition and fees, room and board, transportation, personal and miscellaneous expenses). FAFSA required.

Stafford Loans

TYPES Subsidized Stafford Loan: Available only to undergraduate students on the basis of financial need. No credit check required. The federal government covers the interest on these loans while borrowers are enrolled at least half time and for six months after they are no longer enrolled at least half time. Monthly payments are not required until six months after leaving school.
Unsubsidized Stafford Loan: Available to undergraduate and graduate students regardless of financial need. No credit check required. Interest is charged throughout the life of the loan. Monthly payments are not required until six months after leaving school.
ANNUAL LOAN LIMITS Dependent undergraduates (most students under the age of 24): $5,500 as freshmen (including up to $3,500 subsidized); $6,500 as sophomores (including up to $4,500 subsidized); $7,500 as juniors and seniors (including up to $5,500 subsidized).
Independent undergraduates (students age 24 or older) and dependent students whose parents are unable to obtain PLUS Loans: $9,500 as freshmen (including up to $3,500 subsidized); $10,500 as sophomores (including up to $4,500 subsidized); $12,500 as juniors and seniors (including up to $5,500 subsidized).
Graduate students: $20,500 (or $40,500 for certain medical training).
AGGREGATE LOAN LIMITS Dependent students: $31,000. Independent undergraduates and dependent students whose parents are unable to obtain PLUS Loans: $57,500. Graduate and professional students: $138,500 (or $224,000 for certain medical training) including undergraduate borrowing.
INTEREST RATES The interest rate for undergraduate Stafford loans, both subsidized and unsubsidized, is 3.76%. Rates are fixed for the life of the loan. (See how interest rates are determined.)
The interest rate for unsubsidized Stafford loans made to graduate students is 5.31%. Rates are fixed for the life of the loan. (See how interest rates are determined.)
FEE 1.068% if first disbursed on or after October 1, 2015 and before October 1, 2016; 1.069% if first disbursed on or after October 1, 2016 and before October 1, 2017.
ELIGIBILITY PERIOD FOR SUBSIDIZED LOANS New borrowers are only eligible to receive subsidized Stafford loans for a time period that is 150% of the published length of their program. After that, borrowers are not eligible to receive additional subsidized loans and may become responsible for interest that accrues on their existing loans. Borrowers with any federal loans from before July 1, 2013 are not affected. For more information on the maximum eligibility period, please see studentaid.gov.

PLUS Loans

TYPES Parent PLUS: Loans to parents of dependent students to help pay for undergraduate education. Parents are responsible for all principal and interest.
Grad PLUS: Additional loans to graduate and professional degree students to help cover education expenses.
ADDITIONAL ELIGIBILITY REQUIREMENTS Available regardless of financial need to parents of dependent students (Parent PLUS) and to graduate and professional students (Grad PLUS). Credit check required. The credit requirement can be met by a cosigner. May require a separate application in addition to the FAFSA.
LOAN LIMIT Total cost of attendance minus other financial aid. No aggregate maximum.
INTEREST RATE 6.31% (See how interest rates are determined.)
FEE 4.272% if first disbursed on or after October 1, 2015 and before October 1, 2016; 4.276% if first disbursed on or after October 1, 2016 and before October 1, 2017.

How Interest Rates are Determined

FIXED RATE LOANS All Stafford and PLUS loans originated since July 1, 2006 have fixed rates. Since 2013, fixed rates for new loans are set each year based on the 10-year Treasury note following the May auction (1.710% for 2016-17) plus a set margin of 2.05 percentage points for undergraduate Stafford, 3.60 points for graduate Stafford, and 4.60 points for PLUS loans. Although rates for new loans are set each year, rates are fixed for the life of the loan.
VARIABLE-RATE LOANS For older Stafford and PLUS loans with variable rates, interest rates change annually on July 1, based on the last 91-day T-bill auction in May.

During Repayment

RATE REDUCTION FOR AUTOMATIC ELECTRONIC PAYMENTS Borrowers can receive a 0.25% interest rate reduction if they sign up for auto debit payments online.
DEFERMENTS FOR UNEMPLOYMENT OR ECONOMIC HARDSHIP Borrowers may defer payments for up to three years. For Parent PLUS, Grad PLUS, and unsubsidized Stafford Loans, interest continues to accrue. For more about other repayment options, see studentaid.ed.gov.
INCOME-DRIVEN REPAYMENT PLANS There are several income-driven repayment plans that can help keep payments manageable by capping them at a low percentage of the borrower’s income: Revised Pay As You Earn (REPAYE), Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Income Contingent Repayment (ICR). Borrowers who make payments based on their income can receive a discharge of their remaining student debt after 20 or 25 years of payments For more information about these plans and to estimate monthly loan payments, see studentaid.ed.gov/idr and IBRinfo.org.
PUBLIC SERVICE AND TEACHER LOAN FORGIVENESS Public Service Loan Forgiveness is available after 10 years of qualifying payments and employment, only for Direct Loans (excluding Parent PLUS, unless consolidated). The Teacher Loan Forgiveness Program (Stafford only) is available for loans in both the Direct and FFEL programs. All federal loans issued since July 1, 2010 are Direct Loans. Teachers with Perkins loans may be eligible for a loan cancellation if they meet certain requirements. More information for teachers can be found at studentaid.ed.gov.
LOAN CONSOLIDATION Borrowers with Direct and/or FFEL loans can convert them into a Direct Consolidation loan. There is no fee. Depending on the borrower’s total debt, repayment periods can vary from 10 to 30 years. For more information, see studentaid.gov. To apply online, go to studentloans.gov.