COVID-19 has touched just about every facet of life, and a new report from the Center for Responsible Lending says women repaying student loans have been hit especially hard.
The report says in particular, the pandemic exacerbated the financial instability of women of color, reducing their ability to repay their student-loan debt.
Report coauthor Sunny Glottman - a researcher with the Center for Responsible Lending - said in part, it's a racial equity issue - and even the temporary pause in student-loan repayment hasn't been enough to help many women catch up.
"One of the biggest things that happened was folks were losing their jobs," said Glottman. "And whether it was they were losing their jobs because they were furloughed, because their company was struggling to keep its doors open; whether it was because they were working in a high-contact job and had someone at home who was immunocompromised."
The report also says Black and Latina women have shown "immense resiliency" in tough financial times. But it found most don't feel prepared to resume their loan payments without some difficulty.
The federal pause on student-loan repayment ends August 31.
The report recommends an across-the-board student-debt cancellation of $50,000 per borrower. In the meantime, Glottman said putting these payments on hold has absolutely helped women of color.
"Having one less bill to pay - your student loan monthly payment - was a huge help," said Glottman. "I think our researchers were looking at whether these Black women will be better prepared to resume making payments, which I think is an argument that is not necessarily true."
The report also says what is known as the Income-Driven Repayment or IDR plan may not be a good option for some women. The IDR promises cancellation of student debt after 20 or 25 years of repayment, but fewer than 200 people have had their loans forgiven.
Glottman said there may be a way to improve the program.
"So actually, one of our recommendations is to apply IDR retroactively - so, implemented in a retroactive, income-driven repayment waiver," said Glottman. "So, what that would do is say, 'If you've been doing the right thing, in years past, you should be able to qualify for income-driven repayment.'"
She added that women carry about two-thirds of the $1.7 trillion federal student debt. And Black women are more than twice as likely as white men to owe more than $50,000 in undergraduate debt.
Support for this reporting was provided by Lumina Foundation.
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Women in rural areas struggle more with menopause than their urban counterparts, according to a study from the University of Washington.
Rural women reported more symptoms like joint pain and mood swings in one of the first studies to look at menopausal rural-urban discrepancies.
Dr. Susan Reed, program director at the University of Washington Women's Reproductive Health Research Center and an author of the report, said she's not surprised by the results. She stressed the study is a signal medical providers need to do better for the rural population.
"If people transition through this period in a healthy fashion, they live longer," Reed outlined. "They have fewer cardiovascular problems and perhaps better brain aging."
Reed noted other studies have shown women in rural areas are struggling with higher mortality rates and other health issues like higher suicide rates and obesity. She added there is decreased access in rural places because of the long distances people often have to travel to receive care.
"People providing menopause health care in rural areas, many of them are really passionate and do a good job," Reed observed. "There just aren't enough of them."
Reed emphasized there are other factors contributing to poor menopausal care, not just for women in rural areas but urban and suburban areas too. She argued hormonal therapy is a safe and effective treatment and there should be a higher prevalence of its use.
"The challenges there are due to misinformation on the internet, fear of patients," Reed explained. "And then providers not being skilled enough to help people understand risks and benefits of menopausal hormone therapy."
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The gender gap in Ohio politics persists, and President Donald Trump's new executive order eliminating federal diversity programs is expected to create more challenges for women and other underrepresented groups in public service.
Ohio Women in Government is among the organizations working to bridge this gap by offering scholarships to students who take unpaid internships in state government. The group's vice president-elect, Andrea Harless, said the $1,500 awards are designed to alleviate financial burdens, especially for those from socioeconomically disadvantaged backgrounds.
"There are young women that just do not have the financial means to come to Columbus for a summer and pay to have an unpaid internship, and that does create barriers," she said. "It's very real for a lot of people."
Applications for the current round of scholarships will close today with another round planned for later in the year. More information on the scholarships is online at OhioWomenInGovernment.com.
The elimination of diversity programs has drawn criticism from organizations advocating for equitable representation. Catherine Turcer, executive director of Common Cause Ohio, argued that women continue to face systemic obstacles in entering and advancing in government, including disparities in campaign funding and policy influence.
"Diversity doesn't mean that we're not inviting people who are very qualified to the table," she said. "It means we're trying to have a diversity of opinions so that, in fact, we can create good public policy that we can address the needs for all the people in the country."
She added that eliminating these initiatives weakens government institutions by limiting diverse perspectives in policymaking.
Ohio Women in Government president-elect Julia Wynn encouraged young women to pursue public service.
"It starts with making sure that young women have faith in themselves to be the decisionmaker for their communities," she said.
Wynn said the more women who rise up and understand the legislative process, the more that can be accomplished.
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A long-time New Mexico community organizer is one of several women who have put the state on the map this year for having the largest percentage of women serving as lawmakers.
State Rep. Sarah Silva, a Democrat who represents Doña Ana County and a portion of Otero County, wants lawmakers to address infrastructure in Chaparral, the state's largest unincorporated community, where she said there are long waits for an ambulance, limited fire fighting capabilities and no animal control agency.
"It has anywhere between 20,000 and 26,000 people, it's been growing significantly since 2020 and there's no local government," she said. "So, I've been working with local officials to try and secure $10 million for a public safety facility."
Chaparral is officially part of the Las Cruces metro area, but the 60-square mile region is primarily a bedroom community for the neighboring city of El Paso, Texas.
During President Donald Trump's first term, Silva said, he expressed an appetite for going after immigrants - and she thinks he now has more tools to make that happen. She said she thinks New Mexico's advocacy groups are doing a good job of educating immigrants about their rights, but added that more people need to resist what she called "obeying in advance."
"We need more school administrators, we need more sheriffs, we need more neighbors, we need more churches and congregations standing up for the immigrant community," she said. "Many, many more of us need to start caring and then putting that care into action."
Silva also wants lawmakers to update New Mexico's shield law that protects news reporters - which she said hasn't been revised since 1978.
"So, the definition of a journalist is very outdated," she said, "as is the definition of mediums of communication - that doesn't include anything involving the internet or electronic communication."
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