The one thing that struck me the most about the headquarters building is that it’s pretty much a fortress. I mean, it’s built like it could withstand any major natural disaster or attack. I honestly think that if a foreign country attacked the capitol, the USED building would be left standing – mocking the foreigners and their wimpy weapons. But that’s just the impression you get from the outside. Once you’re inside you see that it’s really just functional office space. I liked the mission statement of the USED, which was put up right on the wall for everyone to see when you entered the building. Take a look:

The USED's mission statement - give it a read

Pretty good mission statement for the USED, huh? I was down in Washington, DC for a conference on charter schools which I won’t get into in this blog entry. However, I couldn’t help but think that I actually helped build the impressive structure in which the charter school conference was being held in thanks to all of my student loan payments. It was a weird feeling – not necessarily a bad feeling, but one that made me take a step back and think, “Well, here’s the place where my checks have been going for the past few years.” It was just an interesting feeling.

What was not a good or interesting feeling, though, was the physical pain that I endured as I rode Amtrak’s Acela down to Washington, DC. Believe it or not, these asshats actually sold more tickets for the Acela than there were seats for the passengers. Sure, you’ll never get any official response from the Acela people saying that it was standard practice to do that or that they were sorry (apologizing is an acknowledgement of guilt). However, the conductor on the train – who was a very nice guy, by the way – told me and the fifteen other seatless passengers that this was common practice. It was outrageous. So, I rode down to the nation’s capitol sitting on this:

Imagine sitting on this for two and a half hours

Yeah… not comfortable at all. Anyway, I visited one of my two major student loan lenders last month. And while I don’t think that I’ll ever willingly or happily visit the headquarters building of the New Jersey Higher Education Student Assistance Authority (NJHESAA), I’m actually going to be really close to some of their associates starting tomorrow. Turns out that NJHESAA and my company will both be exhibitors at the New Jersey Charter Schools Association conference in Atlantic City this week. I don’t know if we’ll be anywhere near each other, but I feel like being in the same room as those people is going to drive me nuts. Frankly, I have half a mind to walk up to their booth and ask them why they felt the need to treat a highly intelligent, good-natured person (me) like a dumb, moronic piece of garbage every time I called them. And that same half of my mind wants me to ask them why they wouldn’t contact the credit agencies to report their mistaken even after admitting that they made a blunder when they reported that I made a late payment when no payment was actually due. Those idiots lowered my credit score for a few months until I had to go out of my way to get that stupid mistake wiped clean from my record. Idiots.

Anyway, enough of that tangent. The point of this entry is that I visited the USED headquarters building in Washington, DC and I was pleasantly pleased with the visit. I hope that they do their customers well as they continue to ramp up their student loan production.

I’ve been running around like a crazy person since last weekend. In fact, when I look back at my schedule, I’m amazed at how fast the week flew away. I spent last Sunday at my Grandmother’s husband’s wake, last Monday at home in Tinton Falls where I researched and wrote a twelve page paper before heading to the class that I’m taking at night, Tuesday and Wednesday catching up on a variety of work building up at my office, Thursday and Friday at the New Jersey Charter Schools Association’s annual conference (which was AWESOME – stay tuned for more posts about the conference), and yesterday up in New Brunswick having dinner and good times with my coworkers.

I would be remiss if I didn’t briefly mention an odd coincidence during dinner last night. I was in the middle of telling a story to my coworkers when I noticed a familiar face out of the corner of my eye. Turns out that my doctor was at the same bar/restaurant – Old Man Rafferty’s – that my coworkers and I were at! And what’s even weirder is that of the six of us who went out for dinner, two of us use this doctor as our general practitioner! We didn’t draw the doctor’s attention because I was eating fettuccine alfredo and my coworker was drinking a beer – both of which our doctor told us we shouldn’t be doing (we each have different health issues – long story). But it was definitely weird to see our doctor hanging out with his buddies when we were all about 40 minutes from our home area.

Maybe it was God trying to send us both a message about doing what our doctor tells us to do!

Anyway, my happy announcement today is that my latest student loan payment check has been processed by the people at the New Jersey Higher Education Student Assistance Authority. Thus, my overall student loan debt has fallen from $90 thousand to $89 thousand. If you ask me, that’s a pretty happy announcement – especially since it means that I’m getting closer to the next milestone in my student loan repayment plan.

In May 2006, I graduated from Rutgers University with a Masters Degree and $120,720 in student loan debt. I currently owe $89 thousand, which breaks down to $34 thousand owed to the New Jersey Higher Education Student Assistance Authority and $55 thousand owed to the United States Department of Education. Follow my student loan repayment story on JerseySmarts.com.

They’re a pretty good option for those parents living in an area where they do not trust the local district and cannot afford private school for their kids.

What has always amazed me about charter schools in New Jersey, though, is how they are placed so far behind the starting line and yet still achieve the success that they achieve. Alexis King, the founder and lead person of Hope Academy Charter School in Asbury Park, puts it best in a recent op-ed:

The original New Jersey law called for charter public schools to receive 90 percent of funding for each child in a traditional district school. This has not happened across the board. Statewide in New Jersey’s 62 charter public schools, children are funded on average at 78 percent and in some schools as low as 65 percent of district school funding.

But for Hope Academy, where we teach children in kindergarten through eighth grade, the state has reduced funding in the proposed state budget from about $14,000 per child this year to less than $12,000, even though it provides nearly $26,000 per child in Asbury Park’s district schools. So for us the ratio is now less than 50 percent and barely half of what the original charter school law says our children should have.

There are a few different things going on here. First, I’d prefer to leave the conversation about whether or not more money should be spent on urban students than suburban students. To a large degree, I think the answer is clearly “no,” but such a simplistic response doesn’t take into account all of the complexities of the current school funding formula.

Second, and more importantly and germane to this conversation, is the fact that a quality school like Hope Academy is getting their funding cut to such a dramatic degree. Unreal. It’s hard to imagine that this is allowed to take place in a state that is so liberal that it’s supreme court has suggested that each student has a right to an equal education (where is that in the Constitution again?). For such a progressive state, this is shocking.

This conversation, though, will likely be overshadowed by the fact that the entire school funding formula has been the focus of debate. Personally, I think the entire school funding formula needs radical change from the bottom up.

To the brainwashed folks out there let me say no, this book is not slanted towards a conservative point of view. In fact, Speaker Gingrich spends quite some time berating the current Republicans in Congress (and the White House) as well as those from the last few years. And yes, he gives it to the Democrats pretty hard, too. And for any independent minded American out there (* raises hand *) you can’t help but know exactly what Speaker Gingrich is talking about when he dresses down both parties.

So what are some of the changes that Speaker Gingrich suggests for our future? Well let me tell you a little bit about my favorite chapter in this book. First, Speaker Gingrich suggests a massive overhaul of the education system in America. As I work with schools of choice on a daily basis, I absolutely loved reading Speaker Gingrich’s ringing endorsement for charter schools. In case you do not know, charter schools are public schools of choice that hold lotteries to determine which applicants may attend.

The innovation here is that these schools are not regulated by the local school board and can choose to teach students in their preferred manner. The students are subjected to standardized testing and their test scores are highly scrutinized by the naysayers, but time and time again charter schools meet or exceed the local district’s achievements. Charter schools (in New Jersey at least) usually have a better rate of high school seniors who go on to college than their public school counterparts. But I digress…

Newt Gingrich tells a great story about the Detroit school system and how it rejected a multi-million dollar investment because the local bureaucrats (i.e. teachers and the teachers’ union) did not want to be held to a higher standard or put to shame by charter schools. Who winds up getting hurt when these people reject such help? The students.

Speaker Gingrich suggests at many points in this book that tax-free government prizes need to be established in order to get America’s scientists thinking about the same issues that America’s people are thinking about. For example, Speaker Gingrich suggests a tax-free $1 billion (with a “b”) reward for the first person/company to design a gas-free car that can be mass produced for the public. Anyway, Speaker Gingrich talks about the need to have better space travel and for America’s needs to lead the world’s innovative breakthroughs for this century.

I highly recommend that anyone who is interested in reading about what real change can mean for America take a look at Speaker Gingrich’s book. What makes the ideas in this book so compelling is that Speaker Gingrich’s new think tank, American Solutions, backs up all of the ideas with nonpartisan poll results showing an overwhelming majority of Americans agreeing with the changes proposed. Again, this is a great read for those of us who are looking for real change that puts America on the right path.