Since fall 2017, the fate of undocumented immigrants brought to the United States as children (often referred to as “Dreamers”) has been in doubt. Now, with the Jan. 19 government funding deadline looming, members of Congress are wrangling over the fate of the Dreamer program.
Some lawmakers insist that they won’t sign off on a funding bill without action to protect the status of these young immigrants.
Many of these young people are beneficiaries of a program called the Deferred Action for Childhood Arrivals (DACA). President Donald Trump’s decision to end the DACA program back in September 2017 has caused debate over how to protect those who have grown up here and are undocumented through no fault of their own.
President Trump has insisted that Congress come up with a solution, but so far, members of Congress have had difficulty coming to a compromise.
What’s at stake for DACA students?
Those taking advantage of the Dreamer program have to apply to renew their status regularly in order to remain in the U.S. to work or go to school. Following the DACA decision announced late last year, the government stopped accepting renewals as well as new applications.
However, on Jan. 13, the U.S. Citizenship and Immigration Services announced that it will start processing DACA renewals again in accordance with a federal court order. Without receiving protected status, DACA recipients could face deportation starting March 5, 2018.
DACA students attending school would also be forced to leave during their studies. Recipients who have jobs and homes might be forced to leave as well, being sent to sometimes unfamiliar countries without job prospects.
On top of the more tangible realities of being sent out of the country, there are concerns that the end to the Dreamer program could cause psychological stress and other problems for DACA recipients.
The DACA program offered relief to undocumented immigrants brought as children, said Caitlin Patler, an assistant professor of sociology at UC Davis, in a report from Public Radio International (PRI). The Dreamer program provided an authorization to work and attend school, and took some of the pressure off young people.
Now, reports PRI, there is an expectation that many immigrants will live in fear of deportation. Additionally, it will be harder for them to find work and attend school, causing further financial and emotional stress.
What’s being done about DACA?
Right now, there seems to be little movement toward codifying DACA into law. Democrats have been pushing for a “clean” bill that protects immigrants, with an offer to talk about “border security” in exchange. That could later include building a wall along the border of Mexico.
However, even with Democrats pushing for legislation that only addresses DACA, different bipartisan proposals have been floated. One recent framework, according to Vox, includes the following items:
- Legal status and green cards to immigrants and those who would have qualified for the Dreamer program.
- Legal status and green cards to those who are facing loss of Temporary Protected Status (such as Salvadorans who are about to lose their status).
- Limits to the practice of bringing family members into the country. Only parents of DACA recipients would be legalized.
- Gets rid of some aspects of the diversity visa lottery program.
- Funding to start building a wall along the southern border of the U.S.
So far, this proposal has been rejected by the president. And this is where things get sticky.
According to CNBC, Republicans are accusing Democrats of stonewalling against a measure to avoid a government shutdown by insisting that a DACA deal must be done first. Republicans are proposing a measure to extend government operations until Feb. 16, as well as renew funding for the popular Children’s Health Insurance Program.
“For people to hold up money for our military for these unrelated issues — and for deadlines that don’t even exist this Friday — that makes no sense,” House Speaker Paul Ryan said during a press conference.
Senate Majority Leader Mitch McConnell also insisted that a DACA decision need not be made this week. “There’s no cause whatsoever for manufacturing a crisis and holding up funding for the vital services of the federal government,” he said.
Some Democrats are talking tough, according to Politico. “Time’s up,” said House Minority Whip Steny Hoyer. “We want to keep the government open. But I will repeat, we’re not going to be held hostage to do things that we think are contrary to the best interests of the American people.”
Politico reports that, in all likelihood, congressional Democrats who feel threatened in the upcoming midterms will vote to avoid a government shutdown and push on DACA after clearing that hurdle.
Meanwhile, a handful of Republicans and Democrats from both the House and the Senate continue to negotiate, trying to find a bipartisan DACA solution that most members of Congress can get behind.
What can DACA students do right now?
For now, Dreamer program recipients can apply to renew their status if it lapsed following the September 2017 announcement, or if they are approaching another renewal deadline.
It’s important to note that these immigrants can’t receive federal student aid, including federal student loans. However, some individual colleges and states offer loans and scholarships for DACA students.
So, if you are in the Dreamer program, it still makes sense to fill out the Free Application for Federal Student Aid (FAFSA). Your FAFSA information will be sent to your schools of choice, where you might be able to qualify for non-federal student aid.
California is one state that offers scholarships and other financial aid to immigrants. Additionally, in September 2017, the state pledged $30 million to help DACA students with legal services and other financial aid.
It’s also possible to apply for private student loans, although there are a lot of hoops to jump through. Your DACA status can be used as proof that you are in the country legally. However, you also need good credit and proof of income in order to qualify for a loan without a cosigner.
If you’re interested in helping push a DACA decision forward, whether you are a Dreamer or a concerned U.S. citizen, contact your members of Congress. You can find out who represents your district at GovTrack.
Interested in a personal loan?Here are the top personal loan lenders of 2019!
|Lender||APR Range||Loan Amount|
|1 Includes AutoPay discount. Important Disclosures for SoFi.
2 Includes AutoPay discount. Important Disclosures for Opploans.
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Opploans currently operates in these states: . *Approval may take longer if additional verification documents are requested. Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications processed and approved before 7:30 p.m. ET Monday-Friday are typically funded the next business day.
3 Includes AutoPay discount. Important Disclosures for Payoff.
4 Important Disclosures for FreedomPlus.
5 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
6 Important Disclosures for LendingPoint.
7 Important Disclosures for LendingClub.
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
8 Important Disclosures for Earnest.
9 Important Disclosures for Avant.
*If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.
**Example: A $5,900 loan with an administration fee of 4.75% and an amount financed of $5,619.75, repayable in 36 monthly installments, with an APR of 29.95% would have monthly payments of $250.30.
Based on the responses from 11,574 customers in a survey of 210,584 newly funded customers, conducted from 1 Feb 2018 – 1 Aug 2019 95.05% of customers stated that they were either extremely satisfied or satisfied with Avant. 4/5 Customers would recommend us. Avant branded credit products are issued by WebBank, member FDIC.
* Important Disclosures for Upgrade Bank.
Upgrade Bank Disclosures
* Personal loans made through Upgrade feature APRs of 6.98%-35.89%. All personal loans have a 1.5% to 6% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. For example, if you receive a $10,000 loan with a 36-month term and a 17.98% APR (which includes a 14.32% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $343.33. Over the life of the loan, your payments would total $12,359.97. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by WebBank, Member FDIC.
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
|5.99% – 17.88%1||$5,000 - $100,000|
|5.69% – 35.99%||$1,000 - $50,000|
|6.98% – 35.89%*||$1,000 - $50,000|
|99.00% – 199.00%2||$500 - $4,000|
|5.99% – 24.99%3||$5,000 - $35,000|
|5.99% – 29.99%4||$7,500 - $40,000|
|6.79% – 20.89%5||$5,000 - $50,000|
|15.49% – 35.99%6||$2,000 - $25,000|
|6.95% – 35.89%7||$1,000 - $40,000|
|5.99% – 17.24%8||$5,000 - $75,000|
|9.95% – 35.99%9||$2,000 - $35,000|