New Yorkers could see relief from medical debt if several national proposals move forward.

The Consumer Financial Protection Bureau proposed a new rule to eliminate medical debt from credit reports. Studies show medical debt does not predict whether a person can pay down a debt.

An Urban Institute report finds more than 740,000 New Yorkers have medical debt.

Ursula Rozum, health care campaign lead for the group Citizen Action of New York, said the change can remove the punitive aspects of medical debt.

"What we're talking about is relief for the 15 million Americans that have medical debt," Rozum pointed out. "As well as people who we know are skipping care or delaying care 'cause they're scared of the debt and what impact it would have on their lives."

Vice President Kamala Harris is supporting the bureau's proposal while considering other ways to cancel medical debt. Congressional Republicans such as Rep. Mike Lawler, R-N.Y., oppose the proposed change. Several House GOP members signed a letter to the bureau saying its proposed rule can negatively affect credit access and affordability for all consumers.

New York passed legislation prohibiting medical debt from being reported to credit agencies but it has not stopped medical debt disparities.

Christine Chen Zinner, senior policy counsel for the advocacy group Americans for Financial Reform, said communities of color often have the highest medical debt rates for many reasons.

"Black and Latine families are more likely to have jobs without access to health insurance, and so that would drive up medical debt," Zinner explained. "There's also been disparate health treatments for these communities."

Other causes for medical debt include growing facility fees. While New York passed legislation to reform the fees, studies show they are a bulk of what patients pay for. Between 2004 and 2021, facility fees grew 531%, surpassing professional fees for certain emergency department services.

As President Donald Trump dismantles the Consumer Financial Protection Bureau, advocates of the agency warn that veterans and military service members in the Commonwealth will suffer.

The bureau partly enforces the Military Lending Act, which protects service members and their families from predatory lending and financial practices. The bureau has issued regulations that include limits on overdraft fees and restrictions on considering medical debt in credit reports.

Brian Johns, executive director of Virginia Organizing, said military members are often targets of predatory financial practices - many times right outside their bases.

"There were just dozens of payday-lending places, check-cashing places, car-title lending places," he said. "It became apparent that many of those who were living on base were definitely the targets to get cash quick, but without being made fully aware of all of the negative implications, including, like, 400% interest."

In a speech in February, Trump called the bureau "out of control" and questioned whether employees at the agency received kickbacks from money they return to consumers.

The House originally planned to vote to end overdraft fee protections enacted by the bureau this week. But disagreements among Republicans on other legislation ground votes in the lower chamber to a halt.

Christine Chen Zinner, chief policy counsel at Americans for Financial Reform, said service members have been described as the canary in the coal mine for abusive practices by financial institutions. The bureau, she said, helps protect service members, especially younger enlistees with less financial literacy.

"It is truly an agency where the government's working for the people," she said. "They vigorously protect consumers and their families. They protect service members, veterans and their families. They reduce junk fees, and they hold companies accountable when they engage in unfair and illegal conduct."

Since its inception, the bureau has returned more than $360 million to veterans and service members.

Maryland state employees are rallying behind a bill that would provide binding arbitration when unions and employers bargain.

Current Maryland law prohibits state workers from striking if their contract negotiations reach an impasse. A neutral party could make recommendations, but with no legal authority.

House Bill 159 would change that, allowing a neutral arbitrator to step in, with legally binding recommendations.

Patrick Moran - president of American Federation of State, County, and Municipal Employees' Council 3, which represents 30,000 state employees - said the bill would create a process that gives equal weight to unions and management.

"We want a process that's fair," said Moran. "And what I mean by that is, if we can't come to an agreement, then an arbitrator will get us both at the table and look at the evidence, and say, 'This side is asking for this. The other side is asking for that, and I think I can split the decision down the middle.'"

Opponents of the bill have said binding arbitration doesn't incentivize unions or management to compromise - an act they view as a vital pillar of union negotiations.

The legislation has been filed each year since 2022, but had never passed in either the House of Delegates or Senate until this session. Now, all eyes are on the Senate.

Moran said the need for an arbitrator depends on management's buy-in to the bargaining process.

"We didn't have an impasse procedure - so we were stuck with whatever the employer at the end, if we couldn't come to an agreement, decided we should take," said Moran. "That's not true bargaining. When we're dealing with rational people across the table, it's easier to come to a mutual conclusion."

If passed, the legislation would go before the Maryland voters as a ballot question.




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By Ramona Schindelheim for WorkingNation.
Broadcast version by Mark Richardson for Virginia News Connection reporting for the WorkingNation-Public News Service Collaboration

As a mathematician who solves problems, Dr. Bourama Toni is looking to make sure young people from underserved backgrounds have access to careers in the data economy.

“Data analytics and data science are in demand. People who are left out in math will also be left out in anything related to math, which will be very unfortunate,” says Toni, PhD, Professor and Chair of the Department of Mathematics at Howard University. Data analysts and data scientists require different skills and the job outlook for both occupations is strong.

Hiring for data analysts is expected to grow 23% in the decade between 2023 and 2033, with a median salary of $83,640. A bachelor’s degree is usually required. The demand for data scientists is even higher and is expected to grow 36% in the same time period with a median salary of $108,020, with at least a bachelor’s degree. 

Diversity in these fields is not. For example, it’s estimated only 4% of data scientists are Black.

That is why Howard University, the nonprofit National Education Equity Lab, and Google partnered to offer a year-long data analytics course to students from Title I high schools which have high rates of poverty. A large percentage of the population are students of color. 

The program is introducing more high school students to the potential career by allowing them to take college courses and earn an industry certificate at no cost. Training consists of teacher-led online courses at their high schools, with teaching fellows offering instruction and serving as mentors in the classroom at participating schools. 

Making Equity Part of the Data Economy Equation

With opportunities in the field growing, the National Education Equity Lab is working to ensure that students from historically underrepresented communities aren’t left out. The Data Analytics program that started in the fall of 2024 is part of the organization’s mission to advance economic and social mobility for the students it serves. 

“We were founded on the belief, and the reality, that talent is evenly distributed in our nation, but that opportunity is not. And, as an organization, we were created to help change that,” say Laura Moore, chief higher education officer at the organization.

“We see this as being a really powerful way to not only expose our scholars to that field, but give them the tools and resources they need to be active participants and leaders in that field, if they so choose,” adds Moore.

In the five years since the organization was started, it’s partnered with more than one dozen universities and others, and counts 33,000 high school students served with 80% of them passing college courses and getting credits for them, according to Moore. 

Gaining a Google Data Analytics Certificate

While it’s worked with Howard University on several programs offering college credits to high school students in subjects including college algebra, what is different about this data analytics program is that students can also earn a Google Data Analytics certificate along with six credits.

“We see the addition of this certified, industry-recognized career credential to be a really powerful tool that students have in their toolbox. It really just opens up additional opportunities for them whatever their path is after high school,” explains Moore. 

Easing Student Debt

Some 226 high school students from around the country are enrolled in the Data Analytics program. One of those schools is the Columbia Heights Education Campus, a public school in Washington D.C., serving roughly 1,600 students. 

“We pride ourselves on providing accessibility to all students who express interest in learning. We provide a rigorous curriculum for those students,” says Wendy Pugh, assistant principal at the school and a co-teacher for the program.

Eighteen students in the school are enrolled. Pugh says she is pleased with the result from the first semester. “I would say 90% of those students have received an A, so it just proves that when given access and support our students can perform with that level of rigor,” stresses Pugh. 

She sees that the program is valuable in financially, too. “One of our biggest challenges overall is students being able to afford higher-level education.

“One of the biggest motivators for me, and my co-teacher, was just having the opportunity to provide these college-level courses for free for our students. Overall, it reduces the amount of debt one will have going to the next level,” adds Pugh. 

That next level offers a different option than a four-year degree with the Google Data Analytics degree. 

Providing an Additional Option

“Because they’re coming from low-income families, some of them may not be interested in pursuing any degree. That’s also okay. I understand perfectly the pressure of the family, saying, ‘look, you finished high school, why don’t you get a job?’ So if we can give them that option as well, it’s great,” explains Howard University’s Toni. 

Among the steps taken to prepare students to be more marketable, he says, was to change the syllabus from learning Python to RStudio. 

Should students choose to enter the workforce after graduating high school and the year-long data analytics program, he explains they can apply for entry level jobs to any company using data. 

The Google program also works with employers interested in hiring students who’ve earned the Google certificates.

The average base salary for an entry level data analyst, according to Indeed, is $22.49 an hour. 

Math = Motivation and Confidence

While the college credits and data industry certificate give these students an advantage leaving high school, the other thing the program seeks to do is far more personal. 

“What we’re trying to do in the program is to build confidence. They do not have that confidence because of their background,” Toni explains. “This is a major part of the work we try to do to tell them you can do it.”

That lack of confidence, he says, is due in large part to the way students were taught math. He came to that conclusion after witnessing students fail in college algebra courses offered to Title I high schools. 

“The frustrating side of it: It’s just motivation. They have the skill,” adds Toni. He firmly believes that if students are taught how math is applied to everyday life and jobs, they will succeed. “You just need to understand why you need it, why you’re doing it, why it’s useful.”

He aims to increase enrollment in the program next fall in hopes of reaching more underserved students to change the way they approach math and see how it’s tied to good-paying jobs that are in-demand.

“The key thing is: how do I motive anyone that math and the related fields of data science, artificial intelligence, data analytics and computer science, that if you feel comfortable in math, you don’t have to worry about performing in any of these fields.”


Ramona Schindelheim wrote this article for WorkingNation.

Support for this reporting was provided by Lumina Foundation.


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