ORTHODONTICS
PAUL SAARINEN, D.M.D., M.S., P.C.
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Loans
Continued from Page 1
lucky to have it. I really hope we
can have it again sometime in the
future.”
The window will remain open
until midnight, Jan. 31, 1999.
This upcoming deadline has the
ASUO and the Committee to Re
establish OSPIRG handing out
fliers and mailing students with
the information.
“It would be to the students’
advantage to get as much infor
mation out there as possible,”
Gabbe said.
students need to go through the
U.S. Department of Education,
not the financial aid office, to
consolidate their loans, Cowling
said. The advantage of direct loan
consolidation is that students
only pay one lender — the de
partment.
“This project is actually
through them and not through the
financial aid office because it’s a
nationwide project and not just
through this institution,” Cowl
ing said.
Students who consolidate their
loans will receive one monthly
bill and will be able to make one
phone call to report a change of
address or request a deferment.
There are no origination fees or
minimum or maximum loan
amounts for the program. Stu
dents with subsidized, unsubsi
dized and parent federal educa
tion (PLUS) loans are eligible for
the program.
Consolidating student loans
can also extend the loan repay
ment period, lower the interest
rate on the life of the loan and al
low some students a six-month
grace period for payments after
graduation.
The consolidation offers four
payment plans: standard, extend
ed, graduated and income-contin
gent repayment plans. Standard
repayment plans allow students
up to 10 years to pay back their
loans; extended and graduated
loans allow 12 to 30 years; and
the income-contingent plan al
lows up to 25 years.
After students mail their appli
cations, the paperwork goes
through several reviews, by the
IRS, credit bureaus and loan
holders. Students are sent loan
papers to sign and return. The
process should take 60 to 90 days.
To learn how to consolidate
student loans, call the U.S. De
partment of Education Loan Con
solidation Network at 1-800-557
7392 or see their web site at
www.ed.gov/Directloan. Addi
tional information is available on
the Committee to Re-establish
OSPIRG web site at http://glad
stone.uoregon.edu/~ospirg'loans,
htm.
Candidates
Continued from Page 1
come taxes, which yield decreasing revenue during
hard economic times.
“[The income tax] is much more unstable than the
property tax,” Kitzhaber said.
Kitzhaber said he planned to create a trust fund
that the state would contribute to during good eco
nomic times to help fund schools during hard eco
nomic times. Oregon could face an economic down
turn because of the recent collapse of the Asian
markets.
He also wants to increase the reach of the tax base
beyond what income taxes can do. For example,
sales taxes broaden the tax base because they affect
all commerce, unlike income taxes that miss under
the-table wages. Kitzhaber does not advocate a sales
tax, but he said he intends to bring to the house the
issue of finding ways to broaden the tax base.
“I’m very committed to stabilizing the tax system,”
Kitzhaber said.
Another of Sizemore’s ideas would be to hold stu
dents and universities more accountable to the peo
ple they serve, Eply said.
“[Sizemore] would like that [college students’]
continuation in school be tied to academic stan
dards,” she said. “He wants to put more teeth behind
[academic standards]. ”
Eply said one way of giving university academic
standards more bite would be to raise the minimum
GPA students would have to earn.
University administrators are not off the hook with
Sizemore, either.
He feels there is too much concern with how cur
riculum is formed and how students are taught,
rather than with wiiat students actually learn in
class, Eply said.
She said surveying recent college alumni on what
they felt they learned in college would pinpoint
what students actually learn.
“The only thing schools should be held account
able for should be whether students are successful
after college,” Eply said. “It just seems to me that kids
come out of college and they’re vastly unemployed.
[Sizemore] wants to make a college education more
of a money-back guarantee.”
Kitzhaberalso has plans to make higher education
more accountable, according to Greg Peden,
Kitzhaber’s press secretary.
“It means a couple things,” Peden said. "No.l, to
ensure that our institutions are providing a quality
education.”
Peden said this did not mean raising taxes.
"It’s not necessarily a money thing as much as it is
a management control issue,” he said.
Peden said Kitzhaber wanted to set up a citizen
administration committee to make some of the man
agerial decisions at universities.
“[The committee] would be open to anyone, but
would probably be composed of industry leaders
and business leaders,” Peden said.
The committee would work together to suggest
ways universities could give their students practical
skills.
“I think the whole idea of a citizen administration
committee is to make a connection to the real
world," Peden said.
News Briefs
Women’s forum
focuses election
The ASUO Women’s Center is
holding a forum to discuss how
the Nov. 3 election addresses
women’s issues today at 2 p.m. in
the EMU Gumwood Room.
The forum will consist of an ex
planation of the term “women’s is
sues” and a panel discussion led
by politicians and community ac
tivists. A University professor will
begin the event by illuminating
women’s issues.
A panel discussion will follow,
including House Democrat Leader
Kitty Piercy; Elaine Green, the co
chair of the Eugene External Re
view Advisory Committee; Karen
Moskowitz, Pacific Party candi
date for U.S. Senate; Emily Schue,
vice president of the League of
Women Voters of Lane County.
0046891
The Multicultural Center
Pftu))
EMTJ Amphitheatre if sunny rays, Fir Room if rainy haze.
With the support of: JSU, BSU, APASU. VSA. NASU. ISA. LGBTA. MEChA, and Women's Center.
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