by Georgia Center for Opportunity | Mar 16, 2017
While lower, middle and upperclass can be defined in various ways, a State of the States report, defined lower class as those who did not complete high school; middle class (or moderately-educated, as referred to in the report) as those who graduated high school but did not go on to complete college; and upper class individuals as those who graduated from college.
The middle class has seen a 29 percent rise in women cohabiting between 1988 and the late 2000s. Historically, the lower class has always had a higher percentage of women who cohabited, but with the recent percentage increases, the middle class is almost equal to the lower class.
Out-of-wedlock childbearing more than doubled for the middle class between 1982 and the late 2000s; completely outpacing the lower class with a more than 30-point jump. In contract, those considered highly educated, or college graduates, only saw a very small increase of out-of-wedlock births.
Both lower and upper class couples had a decrease in divorce rates from the 1970s to 1990s (with the drop in divorces for lower class individuals, unfortunately, primarily attributable to much lower marriage rates).
The increase in cohabitation, divorce, and out-of-wedlock childbearing shows the middle class is now morphing into something that looks much more like the lower class. These changes appear to, at least in part, be driving a perception that the traditional “American Dream” is more and more out of reach for the average Americans. As the report points out, however, the American Dream is becoming more elusive because some of the habits that help assure financial success – like having babies after getting married – are becoming much less common.
While many factors have contributed to the middle class falling further behind the upper class, (including unemployment, lower wages, fewer social connections and less social capital) the strongest factor seems to be the failure to follow the ‘success sequence.’
As explained by Bradford Wilcox and Elizabeth Marquardt, the success sequence has long been the routine of those considered the upper class. They “embrace[d] the bourgeois values and virtues—for instance, delayed gratification, a focus on education, and temperance…[and] adhere devoutly to a “success sequence” norm that puts education, work, marriage, and childbearing in sequence, one after another.” Until quite recently, the middle class has embraced the important aspects of the success sequence in its behavior, which has allowed it to enjoy financial stability. By abandoning marriage, the middle class is abandoning the institution that allowed it to thrive. In many ways – and especially financially – it is now paying a price.
In order for the middle class to reappear from its disappearing act, marriage and the key supports that make successful family life more likely – a quality education and stable employment – must be addressed. This is the essence of our work and the decline of the middle class in America is one of the reasons we believe this work is more urgent than ever.
by Eric Cochling | Feb 1, 2017
National Marriage Week will be celebrated next week, just in time for Valentine’s Day. The celebration is now in its eighth year and seeks to foster collaboration around the country to “strengthen individual marriages, reduce the divorce rate, and build a culture that fosters strong marriages.”
The Marriage Week campaign website cites to tons of research on the many benefits of marriage and they have provided a list of events taking place in Georgia next week to celebrate marriage.
At GCO, we believe marriage is indispensable to the creation of healthy families and a stable society. That’s why we encourage you to love your family, teach your children to value marriage and the commitment it requires, and to take part in next week’s celebration.
If you want to strengthen your own marriage, check our Healthy Families Initiative and the resources we offer there.
by Georgia Center for Opportunity | Jan 12, 2017
GCO’s Director of Government Affairs discusses school choice in Georgia with Rusty Humphries, host of Trending Today USA.
For more information visit Georgia Parents Alliance or learn more through the GCO website.
by Georgia Center for Opportunity | Jan 12, 2017
Research evidence loves company. Consistent findings from different populations mean the results are less likely to be an accident and more likely to demonstrate a trend.
A new report from Mississippi finds that parents using education savings accounts report high levels of satisfaction, consistent with surveys of a similar law in Arizona. Ninety-one percent of respondents reported some level of satisfaction with Mississippi’s accounts, and 98 percent of respondents reported being either “very satisfied” or “somewhat satisfied” with their educational choices after using an account. Seventy-one percent of parents in the survey reported being “very satisfied” with their choices.
Similar to accounts in Arizona, Florida, and Tennessee, the education savings accounts in Mississippi allow parents to buy educational products and services for their children using a portion of their child’s funds from the state funding formula. Parents can make multiple purchases simultaneously according to their student’s needs.
Mississippi lawmakers gave parents of children with special needs this flexible option in 2015 after years of criticism of state services for these students. Empower MS’s Brett Kittredge says, “It was clear that many of Mississippi’s most vulnerable children were being left behind and this pattern would only continue unless policymakers took action.” In 2014, the Jackson Clarion-Ledger reported that just 23 percent of Mississippi children with special needs graduated from a state high school.
Kittredge explains how Mississippi’s accounts are helping children like Lana Beard, who doctors diagnosed with fetal alcohol syndrome and visual perception disorder. The accounts helped the Beard’s access a school that has specialized services for children like Lana when her assigned district school was no longer the right fit. Her parents used the account to help cover tuition and services at the new school.
Thousands of families across Arizona and Florida have similar stories. In some cases, families use an account to help pay for personal tutors, online classes, home educational needs, and even college savings plans. In Arizona, where students from failing schools and military families are eligible for the accounts, along with children with special needs, approximately one-third of participants are using their account for more than one learning option.
In 2013, researchers from EdChoice and the Goldwater Institute studied the nation’s first education savings accounts in Arizona and also found parents were pleased with their choice to leave an assigned public school and use an account. All parents in the survey reported some level of satisfaction, and 71 percent of participants were “very satisfied,” even among the families that were satisfied with their child’s previous public school. Focus group research conducted by the Goldwater Institute has also found similar satisfaction levels.
Georgia policymakers preparing for the 2017 legislative session should use the growing research evidence on parent satisfaction with education savings accounts to support efforts to give state families similar options.
Even though Mississippi’s program is still in its infancy, Kittredge reports the number of applicants for the accounts in 2016-17 exceeded the state’s cap of 425. He says families are now on a waiting list for a chance to participate next year.
“Parents are the ultimate accountability rating,” Kittredge says. “That is why we believe understanding parental satisfaction with [education savings accounts] is so important in judging this program.”
Jonathan Butcher is a contributing scholar at GCO in addition to his role as the education director at the Goldwater Institute and senior fellow at the Beacon Center of Tennessee.
by Georgia Center for Opportunity | Nov 18, 2016
New research from EdChoice finds that Georgia’s scholarships for K-12 private school students have saved the state between $12 million and $85 million since 2011. Nearly two-dozen states have similar tax credit scholarship programs that allow individuals or businesses to make charitable contributions to K-12 private school scholarship organizations. The nonprofit scholarship organizations award scholarships to eligible students, and donors can take a credit on their state taxes that is equivalent to some or all of their donation.
EdChoice’s findings come at an important moment for state families because the state supreme court is considering a challenge to the program. Two years ago, the Southern Education Foundation supported four Georgia residents’ lawsuit to block state families from using the scholarships for their children. Recently, the Cato Institute filed an amicus brief in support of the scholarships.
“We urge the court to affirm the determination that the tax-credit program does not violate the state constitution, focusing on the fact that it does not involve spending public funds for any sectarian purpose,” write Ilya Shapiro and David McDonald.
In Georgia, individuals and businesses can receive a dollar-for-dollar credit for their contribution to scholarship organizations up to certain limits ($2,500 for a married couple and businesses can claim no more than 75 percent of their tax liability). Since 2010, scholarship organizations have awarded more than 60,000 scholarships for students to use at K-12 private schools.
Teacher unions, school board associations, and other associations regularly challenge parent and student educational options in court. Fortunately for families, courts have upheld tax credit scholarships around the country, without exception. The U.S. Supreme Court upheld the nation’s oldest such scholarships, in Arizona, in 2011.
The decision paved the way for students like Gabe Alba-Rivera to discover opportunities he didn’t know existed before his scholarship. In my 2014 interview with Gabe, he explains that he was born in Mexico and had little more than broken pieces of his school’s roof to draw hopscotch squares at recess. A bucket of water served two purposes when he used the bathroom—the first as his bathroom pass, the second to flush the toilet.
After moving to Arizona, Gabe used a tax credit scholarship—nearly identical to the scholarships available to thousands of students across Georgia—to attend Brophy Prep, where he was active in the school Robotics Club. Gabe earned a spot at MIT, where he studies 3-D printers.
Twenty-eight scholarship organizations serve Georgia families, and these groups awarded more than 13,000 scholarships last year. The state supreme court should uphold the lower court ruling and protect families’ freedom to choose the best learning opportunity for their child.
by Georgia Center for Opportunity | Sep 30, 2016
In 1952, Patrick Skene Catling wrote The Chocolate Touch, a retelling of the King Midas fable that reminds us we can have too much of a good thing. In Catling’s story, the main character finds that everything he eats turns to chocolate (with King Midas, everything he touched turned to gold). Hilarity, and nausea, ensues.
The Georgia Budget and Policy Institute’s latest report on the state’s HOPE and Zell Miller scholarships provides valuable findings about college scholarships and the students using the funds. The Institute’s recommendations, however, might give us too much of a good thing.
The Institute reports that a smaller percentage of low-income students use the scholarships (30 percent) than middle and upper-income students (42 percent). The authors are correct when they say that college tuition has “skyrocketed” recently—a finding that is true for colleges around the country. The authors also make a compelling point when they write, “Students need more options to gain valued skills and enter successful careers, regardless of their families’ background or bank account.”
Yet their solution will not solve the college cost problem nor the opportunity issues. The Institute suggests lawmakers find “an enhanced approach to financial aid that ensures students from all backgrounds…can gain the benefits of a college degree.”
If the Institute’s goal is to help qualified students—regardless of background or income—get help paying for college, such an objective may result in better candidates entering the workforce. But the report’s emphasis on sending as many students to college as possible should give taxpayers and students pause.
The Cato Institute’s Neal McCluskey has documented research that links increasing college tuition with increased levels of federal aid (similar to the “Bennett Hypothesis,” formulated by former U.S. Secretary of Education William Bennett). State lottery proceeds fund the HOPE and Zell Miller scholarships, but universities’ incentives remain the same: If scholarship funding is almost guaranteed, why lower tuition, especially if students can combine a scholarship with federal aid? Scholarships help students pay tuition, but this assistance does not create an incentive for schools to keep costs down.
Moreover, both scholarships require students keep their grades up in order to participate. The Institute says the merit-based awards are “disproportionately out of reach for students of modest means.” Yet the state should not lower the bar for this assistance because sending a student to college that is unprepared for higher education does not help that student.
Policy debates on college tuition and student opportunity intersect when unprepared students step on campus. If an undergraduate drops out without a degree, they find themselves in need of a job but without a degree to improve their prospects. According to an Urban Institute report, “Not completing a degree is a significant predictor of repayment difficulty and default,” as 43 percent of college dropouts that used college loans have debt levels of $10,000 or lower. A quarter of college dropouts that used loans have debt levels of between $10,000 and $20,000.
Sending everyone to college, even if they are unprepared, puts students from low-income families at great risk for debt later in life. Students with few resources that struggle in school and dropout of college will struggle to attain the American Dream even when well-intentioned policymakers try to help.
The Georgia Budget and Policy Institute’s report on scholarships provides a useful analysis of the kinds of students using state scholarships for higher ed. Furthermore, the Institute’s suggestion that the scholarships be available to students in their 20’s and 30’s may help nontraditional students that enter college later in life.
But in order to help more students succeed in their education and career, state lawmakers should give students better access to quality learning opportunities in K-12, like education savings accounts and encouraging the growth of high-quality charter schools. Meanwhile, policymakers should commit to helping students, no matter their socioeconomic status, make informed decisions about whether college is the right choice.
With the prospect of long-term debt, the idea of sending as many students to college as possible should make taxpayers—and students—nauseous.
