On the Issues

Protecting Kentucky


Just as she has throughout her life, Alison Lundergan Grimes will continue fighting for women as Kentucky’s first female United States Senator. Alison learned the value of public service at an early age, and her passion has always been increasing opportunity for every citizen of the Commonwealth. She entered public service to give a voice to the voiceless – experience she gained as an attorney for victims of domestic violence.

As Secretary of State, Alison championed the first-ever address confidentiality program for victims of domestic violence to ensure their safety and security are not compromised when they exercise their right to vote. Alison has also ushered in new laws that maintain the integrity of the democratic process and protect the voting rights of our men and women in uniform and absentee voters. She is committed to guaranteeing that every eligible Kentuckian has access to the ballot box.

ALISON’S VISION
When elected to the U.S. Senate, Alison will work to create good-paying jobs, fight to close the gender wage gap and raise the minimum wage to ensure middle class security for women and their families. She is committed to:

  • MAKING CHILDCARE MORE AFFORDABLE: Affordable childcare is out of reach for many Kentucky families. Over 140,000 working Kentucky mothers have a child under 6[1], positioning them as increasingly likely to need childcare services. Alison strongly believes that we must begin addressing this problem by providing additional tax breaks to Kentucky businesses that create on-site child care centers or help their employees find child care services. We must also develop federal and state partnerships to improve access to quality childcare for rural areas, where working parents often face unique challenges.Meanwhile, Mitch McConnell has actually repeatedly voted to slash funding for childcare services in Kentucky. Under a proposal supported by McConnell, approximately 1,700 fewer Kentucky children would have child care through the Child Care and Development Block Grant[2].
  • EXPANDING ACCESS TO QUALITY EDUCATION: Alison will also work with families, educators and schools to ensure our children have access to quality education and are equipped with the tools and resources necessary to succeed. Education is the passport out of poverty, and every child has the right to a quality education. A good education is an economic necessity and should not be a luxury. Education is the gateway to good-paying jobs, economic growth and a strong middle class.Mitch McConnell negotiated a Washington budget deal that caused 1,100 Kentucky children to lose access to early childhood education[3] and cut an estimated $31.8 million from Kentucky schools[4]. He also opposed legislation to hire and preserve jobs for teachers[5] and blocked legislation to preserve low interest rates for students[6].
  • PROTECTING VICTIMS OF DOMESTIC VIOLENCE: As Secretary of State, Alison championed the first-ever address confidentiality program for victims of domestic violence to ensure their safety and security are not compromised when they vote. In the Senate, Alison will continue to be a voice for victims of domestic violence. According to the Kentucky Cabinet for Health and Family Services, “a woman is assaulted every 15 seconds”[7] and one in six women in the U.S. will be victims of domestic violence over the course of her lifetime[8] – troubling statistics that must be addressed.

Despite political attempts to disguise his real record, Mitch McConnell has repeatedly opposed the Violence Against Women Act[9] and even blocked an effort to vote on the bill to protect women[10].

  • KEEPING PROMISES TO KENTUCKY SENIORS: An estimated 600,000 Kentuckians rely on Social Security[11] and nearly 800,000 Kentuckians depend on Medicare[12]. Alison will protect and strengthen Social Security and Medicare as Kentucky’s next U.S. Senator. Protecting these programs is critical to the economic well-being for the Commonwealth’s women and families. Women rely more heavily on income from Social Security than men do, and the majority of Medicare recipients are women.

Women have more health care needs, live with chronic conditions and have higher life expectancies than men. Therefore, women are especially reliant on the health care services provided by Medicare. The promise of a secure retirement is one we must keep for our nation’s seniors and make sure these programs are still intact for our children and grandchildren. Alison is focused on spending smarter, reducing waste in the Medicare system, and improving coordination of care.

Instead of strengthening and preserving these critical programs, Mitch McConnell wants to privatize Social Security and end Medicare as we know it, increasing seniors’ out-of-pocket costs by nearly $6,000 per year[13].

  • ACHIEVING PAY EQUITY: Women are half of the labor force in this country yet still make 77 cents for every dollar – 23 percent less than their male counterparts[14]. In Kentucky, women lose nearly five billion dollars in wages each year[15] – a statistic that is staggering and unacceptable. With that money a working woman in Kentucky could purchase 78 more weeks of groceries, pay 14 more months of rent, make 8 more months of mortgage and utilities payments or buy 2,477 additional gallons of gas[16].In contrast, Mitch McConnell has called equal pay for equal work just another “special interest vote”[17] and voted against the Lilly Ledbetter Fair Pay Act[18] and the Paycheck Fairness Act – not once, but twice[19][20].
  • INCREASING MINIMUM WAGE: In order to grow our middle class, we must raise the minimum wage to help hardworking Americans achieve a basic standard of living. An overwhelming majority – two thirds – of minimum wage workers in the United States are women. Consider a single working mother of two who makes the current federal minimum wage who brings home just $14,500 annually – nearly $4,000 below the poverty line[21].

Rather than forcing our own neighbors to choose between putting food on the table, getting to work and paying the rent, all Americans deserve a living wage that is consistent with our values. Raising the minimum wage would increase incomes for more than 30 million workers in the U.S.[22], and is an important step to ensure workers see the benefits of a growing economy.

Earlier this year, the Kentucky Center for Economic Policy pointed to a report detailing the impact a minimum wage increase to $10.10 an hour would have in Kentucky. According to this report, doing so would:

  • Lift the wages of over one in four Kentucky workers.[23]
  • Increase annual earnings for the nearly 30 percent of Kentuckians who make minimum wage or just above by $2,369 on average and $863 million in total.[24]
  • Grow Kentucky’s GDP by $546 million by 2015 and create 2,200 jobs.[25]

Mitch McConnell has voted against raising the minimum wage at least 16 times[26], while voting in favor of raising his own government salary[27].

As Kentucky’s first woman Senator, Alison Lundergan Grimes will continue being a staunch advocate for women and their families. She will seek common ground and work across the aisle for solutions that put Kentucky and our country back on the right track. The contrast with Mitch McConnell could not be starker.

[1] [NACCRRA, Kentucky Fact Sheet]
[2] [Senate Democrats, 2013]
[3] [WKYT, 2/21/13]
[4] [WFPL, 3/28/13]
[5] [Politico, 10/20/11]
[6] [Associated Press, 5/8/12]
[9] [MSNBC, 7/15/13]
[10] [Roll Call, 7/31/12]
[11] [SSA, 12/12]
[12] [The Henry J. Kaiser Foundation report, 2012]
[13] [Center for American Progress, 3/21/12
[14] [Huffington Post, 9/17/13]
[15] [National Partnership for Women and Families, 4/13]
[16] [National Partnership for Women and Families, 4/13]
[17] [Senate Republicans transcript, 4/23/08]
[18] [Vote 19, S.47]
[19] [Vote 115, S.3220]
[20] [Vote 249, S.3772]
[21] [National Women’s Law Center, 10/4/13]
[22] [National Women’s Law Center, 10/4/13]
[23] [Kentucky Center for Economic Policy, 4/3/13]
[24] [Kentucky Center for Economic Policy, 4/3/13]
[25] [Kentucky Center for Economic Policy, 4/3/13]
[26] [Vote 23, 1/24/07; Vote 179,6/21/06; Vote 26, 3/7/05; Vote 257, 10/19/05; Vote 76, 4/7/00; Vote 356, 11/9/99; Vote 239,7/30/99; Vote 94, 4/28/99; Vote 77, 3/25/99; Vote 278, 9/22/98; Vote 184, 7/9/96; Vote 183,7/9/96; Vote 519, 10/27/95; Vote 33, 7/31/95;Vote 68, 5/17/89; Vote 39, 4/12/89]
[27] [Vote 406, 10/23/03]

Developing Kentucky’s energy will provide financial security to families across the state. Kentucky is leading the way in domestic energy development and the industry holds tremendous potential to grow our economy, create middle-class jobs and lower energy costs for families across the state. But Washington’s regulatory barriers and burdensome taxes threaten this critical development in Kentucky.

I strongly oppose President Obama’s attack on Kentucky’s energy industry. This Administration has taken direct aim at Kentucky’s coal industry, crippling our state’s largest source of domestic energy and threatening thousands of jobs. Washington Democrats and Republicans need to be realistic about what powers our nation and recognize that developing Kentucky’s supplies of coal is crucial.

We must secure America’s energy independence and reduce our dependence on Middle Eastern oil. Our nation’s energy approach should rely heavily on coal, oil and natural gas, along with alternative sources of energy. Kentucky will lead this effort through continued coal production and exploration and development of natural gas. While our nation is running a $45 billion trade deficit, Kentucky’s natural resources remain underdeveloped.[28] In 2011, Kentucky contributed 7 percent of the nation’s total coal exports, but we can do more to develop these and other resources and reduce our trade deficit.[29]

[28] [AP, 7/3/13]
[29] [National Mining Association, 3/13]

I am running to protect and strengthen Medicare and Social Security. I believe in keeping our promises to our nation’s seniors while preserving these programs for our children and grandchildren. But rather than pushing for privatization, vouchers, or simply shifting costs to seniors, we should be looking for ways to spend smarter. We should focus on reducing waste, fraud and abuse in the Medicare system, improve coordination of care between doctors, hospitals and patients, and allow Medicare to better negotiate prescription drug prices.

Instead of strengthening and preserving these critical programs, Mitch McConnell plans to end Medicare as we know it. Under a proposal backed by Mitch McConnell, insurance company bureaucrats would be put in charge of making seniors’ health care decisions, and seniors would see their out of pocket costs increase by nearly $6,000 per year. Thousands of current seniors across Kentucky would be forced back into the prescription drug “donut hole,” costing them approximately $13,000 more between 2014 and 2022 than under current law.[30] I believe we’ve got to balance the budget, but we’ve got to do it the right way, and that means protecting the benefits and programs seniors have paid into over a lifetime of hard work.

[30][Center for American Progress, 3/21/12; DPCC, 3/13Vote 98, 5/16/12; Vote 100, 5/16/12]

As a Senator, my number one priority will be putting Kentuckians back to work in good-paying jobs. Kentuckians lost more than 118,000 jobs at the worst part of the recession[31] and they are still struggling to provide for their families. Mitch McConnell failed to put Kentuckians back to work. To increase family incomes, I will work to ensure that all Kentuckians and all Americans can earn a living wage for their work, and make sure that women get equal pay for the same work as men.

We must cut red tape and allow businesses to grow and create new jobs. As Secretary of State, I worked with both parties to create a one-stop shop for Kentucky businesses to interact with multiple state agencies through one point of contact, reducing tape and making it easier for business to grow and create more jobs. There are currently 854 federal regulations affecting small businesses.[32] We must reduce this regulatory burden. Our federal government shouldn’t prevent small businesses from succeeding and creating jobs in Kentucky.

We must target burdensome federal regulation of Kentucky’s energy sector, allowing our state to create new middle-class jobs across the state. Kentucky is leading the way in domestic energy development and the industry holds tremendous potential to grow Kentucky’s economy, creating middle-class jobs across the state, but the federal government stands in the way. I will fight to reduce this regulatory burden on Kentucky’s energy industry.

We must encourage manufacturing to return to Kentucky. I’m encouraged that companies like General Electric are opening manufacturing plants across Kentucky, but we must do more to create these new investments in our state. We should end tax breaks for companies that move jobs overseas and expand tax credits for companies to invest in research and development and in new machinery and equipment here at home. We should also invest to develop an advanced manufacturing workforce in Kentucky.

[31] [KCEP, 3/21/13]
[32] [Forbes, 2/6/13]

The Federal deficit is out of control and it threatens the long-term strength of our nation. In 2001, the budget was in balance and the nation was projected to be debt-free by 2011. Now – after a decade of unpaid-for spending and the worst downturn since the Great Depression – this country owes $16.7 trillion.[33] The debt impacts our ability to make investments critical to growing our economy, including education, infrastructure and workforce training.

Mitch McConnell has failed to address our nation’s out-of-control spending. With him in Washington, Kentucky has repeatedly witnessed threats of government shut downs, gone to the brink of default and listened to overheated rhetoric that has done nothing to improve the lives of Kentuckians. We can’t afford for Washington and Mitch McConnell to continue to play the same old political games with the budget.

I believe that there is a responsible path to balancing the budget. We need to start by going line-by-line through the budget to cut waste, fraud and abuse and we must ensure that tax dollars are being used smartly and efficiently. Nearly 680 renewable energy initiatives across 23 federal agencies and their 130 sub-agencies costing taxpayers $15 billion is certainly not an efficient use of taxpayer dollars. [34] I also believe that we can make our Medicare and Medicaid programs more efficient without slashing coverage. Medicare spending is unsustainable. But rather than pushing for privatization, or vouchers, or shifting costs to seniors – supported by Mitch McConnell – we should be looking for ways to spend smarter on our entire health care system. And to ensure our country never goes into debt again, I will fight in the U.S. Senate to pass a balanced budget amendment.

[33] [Treasury, accessed on 7/22/13]
[34] [GAO, 4/9/13]

Our veterans have made the ultimate sacrifice. We owe them the care they were promised and the benefits they have earned. As Secretary of State, I have worked to ensure that members of the military never have to ask, “Does my vote actually count?” I traveled to the Middle East to meet with deployed soldiers to learn how to improve voting procedures for military personnel stationed overseas. My recommendations formed the basis of a bipartisan bill that was signed into law that will allow military members and their families to register to vote and update their registration online, ensure that military voters have sufficient time to vote in special elections and extend existing protections to state and local elections and National Guard members.

Washington has fallen short of honoring our commitment to our veterans. Our veterans should not struggle to find jobs or access care. Kentucky is the home of over 350,000[35] veterans, the fourth largest in the nation. It is a disgrace that so many veterans across Kentucky have compensation claims pending, more than 6,000 in the Louisville VA backlog alone.[36] I’m shocked that Mitch McConnell opposed plans to reduce this backlog and voted against veterans jobs legislation.[37] This is wrong.

I’m committed to serving Kentucky’s 350,000 veterans and I will fight for the quality health care, benefits and treatment they have earned. We must expand education and training opportunities for service members and veterans, facilitating public/private partnerships that help them translate their military skills for the civilian workforce. We must improve access to health care services, including mental health, prosthetic care and wound regeneration. And we must improve collaboration between the Department of Defense and Department of Veterans Affairs, ensuring that veterans receive the benefits and medical care they deserve in a timely manner.

[35] [KY Department of Veterans Affairs, 9/2012]
[36] [Veterans Benefits Administration report, 3/10/14]
[37] [37] [Vote 193, 9/19/12; New York Times, 9/19/12; Senate Appropriations Committee Mark Up, 113th Cong. 1st Sess., HR 2216, (*proxy vote), 6/20/13; CQ Roll Call, 6/20/13]

Students in Kentucky and across the nation find a college education increasingly unaffordable. At a time when our unemployment rate is higher than the national average, Kentucky students carry loan debt of over $20,000 on average. And in 2012, 71% of Eastern Kentucky University students and 73% of Northern Kentucky University struggled with the burden of student loan debt. Families in the Commonwealth are devoting more of their income to tuition, and ever higher numbers of graduates (and oftentimes their parents) are burdened by unsustainable student debt. The federal government can play a central role in helping students and families pursue educational opportunities, but that will require a senator who puts our future generations before today’s partisan politics.

Treat Students As Equal To Wall Street Banks

Give students the same loan rate as Wall Street banks. For far too long, Big Wall Street banks have gotten a great deal from our government, while our Kentucky students drown in debt. We should provide uniform treatment. In the Senate, legislation has been introduced that would for one year allow new student borrowers to be able to obtain a federally subsidized Stafford loan at 0.75 percent, as opposed to the current student loan rate of 3.4 percent. The low rate is the one now used by big banks under the Federal Reserve’s “discount window” to borrow money from the government. In the Senate, I will work across party lines to champion similar legislation to fight for Kentucky students and graduates. Mitch McConnell failed to lead on this legislation. He stands with the big banks, but not with Kentucky students and families. [Bank on Students fact sheet; Time, 5/10/2013]

Provide Refinancing Options

Allow students to refinance their loans. Congress has taken some action to attempt to hold down the rates on some federal student loans. However, many existing borrowers have been unable to take advantage of historically low interest rates to refinance their student loans. Mitch McConnell has blocked action on a proposal to allow borrowers with older student loans to refinance at the rates established in 2013 for new, taxpayer-backed student loans, and he previously opposed efforts to cut student loan interest rates in half. I strongly support this student loan refinancing legislation, because it would help nearly 360,000 Kentuckians reduce their student loan burden.

Champion Equal Pay For Equal Work

According to the American Association of University Women, paying back student loans can be a young woman’s “first encounter” with the gender pay gap. Their 2012 study found that “women and men pay the same amount for their college degrees, but do not reap the same rewards.” In fact, this even proved true for men and women who shared the same college major. A review of full time workers who were one year out of college found that 53% of women v. 39% of men were carrying high student loan debt burden, “defined as the percentage of earnings devoted to student loan payments,” and women college graduates were only making 82% as much as men. Due to the pay gap, oftentimes women have less money to pay back the same amount of loan debt.

Not only does McConnell believe students should not be allowed to refinance their loans at lower interest rates, but he’s an unabashed opponent of equal pay for equal work. Couple these facts, and it means Kentucky women have a senior senator who believes they should be forced to pay high student loan interest rates, while they continue to make less than their male counterparts in the workplace. And since on average Kentucky women make 76 cents for every dollar men make in the same job, this results in many women having even less income to invest in their future and their families. The federal government derives a large profit from administering the student loan program, and I strongly believe that should be reinvested in lower rates for students. [S. 2432; Senate roll call no. 185, 6/11/2014; Vote 113, 5/24/12; Vote 171, 7/10/13; Boston Globe,4/13/2014; American Association of University Women report; NWLC, 2/2014]

Fully Fund Pell Grants

Maintain full funding for Pell Grants. Pell Grants provide essential support to needy undergraduate students. Mitch McConnell has consistently tried to reduce funding for this vital program. Under a budget he favors, Kentucky students would receive over $48 million less in Pell Grant aid and nearly 10,000 students would be kicked off Pell Grants altogether. A long-term solution to financing the program must be found by 2017 in order to maintain grants at even current levels, which are inadequate. I am a vigorous supporter of protecting and boosting Pell Grants. Fully funding and ideally expanding Pell Grants, and ensuring that working families remain eligible for the grants, are critical to reducing student loan burdens on Kentuckians. [Ryan Budget FY14: Vote 46, 3/21/13; New America Foundation, 4/24/2014]

Support Creative Financing Solutions

Develop more options for college financing. A pilot program in Oregon, “Pay It Forward,” presents an innovative solution to the student debt crisis. Students can attend Oregon public colleges and universities for free and, upon graduation, pay a small percentage of future income for a fixed period of years to pay for the program to continue. “Pay It Forward” has been described as an “inverse of Social Security,” providing a form of guaranteed assistance for young people. Rep. Tom Petri has proposed a similar program at the federal level, which has attracted bipartisan support in Congress. Unlike Mitch McConnell, in the Senate, I will make exploring innovative options a priority.  [Salon, 7/11/2013; H.R. 1716, introduced 4/24/2013]

Strengthen Community Colleges and Vocational Schools

Invest in community colleges and vocational schools, which offer students affordable higher education options. Community colleges work at a local level to develop the skills necessary for students to compete in a global economy. Associate degrees and certification programs offer students more affordable options, and two-year colleges often let students adjust to higher academic standards before moving on to four-year institutions. A fund was proposed to facilitate collaboration between business and community colleges to train workers in fast-growing career fields. Other efforts have focused on addressing high dropout rates at community and technical colleges. Additional federal funding and support will help improve the quality of instruction and completion rates for degrees at community colleges. [Community College to Career Fund Act, S. 1269]

Streamline and Promote Repayment Options

Promote greater awareness of student loan repayment options. With programs like Pay as You Earn — an income-based repayment plan — and loan deferment for the unemployed, there are opportunities for students and graduates to repay their loans in ways that fits their budgets. However, very few people take advantage of these programs because they lack accessible information. Making students aware of these options would lessen their financial strain and reduce loan default rates. The Department of Education, colleges and universities, and lenders should collaborate on making information about these initiatives available to all students and graduates. [Slate, 6/10/2014]

Simplify income-based repayment plans. Unlike other student loan repayment programs, which have fixed payments, income-based repayment plans calculate monthly payments by income and family size. This type of option makes payments more manageable for graduates in a difficult job market and reduces loan defaults. Low public awareness, along with a lengthy and confusing qualification process, has left these programs underutilized. Streamlining the application process and giving lenders more incentives to offer income-based repayment plans would make them more accessible to graduates. [U.S. Department of Education Income-Based Repayment Fact Sheet; Bloomberg Businessweek, 7/15/2013]

Enforce Veteran Protections

Protect veterans from predatory student loans and deceptive university marketing. In May, the Department of Justice settled a complaint with Sallie Mae, which agreed to pay almost $100 million in compensation for overcharging 60,000 military members on education loans. Veterans are often unaware of the many education benefits to which they are entitled, such as the new G.I. Bill and several tuition assistance programs. Worse, veterans are often the target of deceptive recruiting practices from for-profit schools that attempt to fill their coffers with VA education benefits. These schools frequently pressure veterans into enrolling in courses that do not help them reach their degree requirements, or they encourage them to take out hard-to-repay private loans. These brave men and women have made great sacrifices to protect our freedoms.  The federal government must implement more protections to prevent abuses. [U.S. News and World Report, 11/11/2013; CNN, 5/13/2014; Federal Trade Commission, 10/31/2013]

Encourage Degree Completion

Encourage students from modest backgrounds to complete degrees by implementing support programs. Students from families in difficult financial circumstances often face the highest college dropout rates. According to The New York Times, only one-fourth of college freshmen born into the bottom half of the income distribution will graduate from college by age 24. On the other hand, 90 percent of freshmen born into families in the top income quartile complete their degree. In addition to the wasted talent and lost earning potential that come with dropping out, college dropouts are more than four times as likely to default on student loans. Programs aimed at students from needy families and historically underrepresented groups can ease the transition to college life by providing students support and guidance. The Department of Education can disseminate best practices and encourage colleges to provide these programs. [New York Times, 5/15/2014; Slate, 6/10/2014; Education Sector, accessed 6/17/14]

Background

The student debt crisis has several causes.

First, college tuition rates — even for public colleges and universities — have risen dramatically, especially as financially strapped state governments cut back their support. Second, students sometimes receive little to no financial counseling and are often encouraged by private colleges, counselors and even peers to pursue the most expensive educational options, when a public university or community college could be a more cost-effective place to meet their goals. Finally, student loan interest rates remain one of the few types of loans that cannot be refinanced at lower rates, leading to extraordinary cases where senior citizens are still trying to pay off decades-old student loans. [Washington Post, 4/1/2012]

Unfortunately, Mitch McConnell continues to ignore the problems that students and their families in Kentucky face in affording college.

Recently, McConnell led a filibuster to block Sen. Elizabeth Warren’s proposal to allow existing student loan borrowers to refinance their loans at current, lower interest rates. I strongly support Sen. Warren’s bill. [S. 2432; Senate roll call no. 185, 6/11/2014]

In 2007, McConnell was one of only 12 Senators to oppose a bill — later signed into law by President George W. Bush — that increased funding for Pell Grants while reducing rates on student loans from 6.8 to 3.4 percent. As Kentucky’s next Senator, I will push strongly to protect and expand Pell Grants and to hold down student loan interest rates.  [H.R. 2669; Senate roll call no. 326, 9/7/2007]


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