The effect of students’ loan debt on the Caribbean shores


The announcement

Several countries around the world sometimes introduce rules and regulations are linked to another nation. Some may not fit all backgrounds of various cultures and traditions. Many developed countries share basic principles on commonly agreed-upon approaches to similar problems. For instance, the fight against drugs, crime, and environmental issues..

Although some variation may not have worked as intended, a recent proposal on February 8, 2020, according to reports, Robert Nesta Morgan, parliamentary secretary in the office of the Jamaica prime minister, announced that an incentive plan was in place or being developed to provide students an opportunity to have their debts forgiven for public service work. It is one of the best imported policy seen in a while to arrive on these shores.

Potential impact

In a previous opinion “The Brain Drain of the Caribbean Nurses,” highlighted concerns in the medical field, surrounding lack of resources, patients’ lives, staff safety, job protection, wages, and failure by leaders.  Consequently, many experienced-well-trained nurses abandon the region once they received their nursing degree to work elsewhere, but overall student loan debt was one of the major driving forces.

A few times my telephone rang from friends I have encountered while in the region, which informed me they have migrated with their family. And when I asked, “why that side of town?” the response, “my wife is working as a nurse. It is remote, one major department store that carries everything, I miss home, but it will relief her financial burden.”

Their story is one of many across the Caribbean region of residence leaving to Canada, England, the US, and even other Caribbean islands. This student loan proposal should be implemented and be adopted by other poverty-stricken and developing countries who may not at present provide this incentive.

Maybe it is beyond politics

Regardless of the political party, student loans support many people to attend college, graduate and attain a degree for a more promising long-term future and overall the nation’s economic stability.

Though the proposal marks a step in the right direction and; it is not clear on the last details how it will be funded, and that cannot be captured in a few tweets. But like other nations who take part in this program, there are requirements and commitment for individuals to be involved.

The expectation in the long-run is that it benefits all, and not an election talking point, seen elsewhere to generate votes-based on this platform. There were prior reports of free healthcare leading up to the past elections whereas it seems many are still waiting on bed space, and the result of the free test, but this program may provide a firm ground. After the announcement, social media responded in high numbers.

Many students on these shores will benefit from loan burdens and may change an appetite waiting to leave if an opportunity presents itself to migrate. However, it requires a genuine debate, accountability, and implementation beyond likes on social media.

Student loan debt burden reality

Evidence shows that student debt jeopardizes the financial wealth of many households and the economy in the long-run not only in the Caribbean, but in other countries.

This debt burden has also contributed to the Black-White wealth gap across the wealth distribution. Other studies have shown that about two in five households now owe student debts loans and that number is increasing.

A person with about $45,000-53,000 in educational debt can lead to a lifetime wealth loss of around $215,000. This also affects one’s retirement, long-term saving, and lower home equity according to academic experts.

Student debt has surpassed $1 trillion in the US and the delinquency rate increased to over 50 percent. These studies also showed the suicide rate in the United States rose to the highest levels in more than a decade. I do not know if most of these suicides are 100 percent related, but others noted the negative impact for individuals between ages 20 and 31.

Crunching the numbers before you apply

Understanding student loans is extremely important, like financial literacy. It informs individuals to avoid the predatory lending trap, unsolicited credit cards to investment strategies. Tracking re-payments to ensure forgiven on time as other programs elsewhere have been sued for denial after eligibility. But I will leave that to the local experts to continue more awareness.

Going forward school officials should be responsible and encourage students to maximize all options from scholarships, grants, and aids before taking out loans; and career counseling suitable to gain employment after graduation.

Understanding fine prints to reduce potentail problems

Household size, marital status, income levels, and work status can influence these loans; therefore, differentiating traditional loan repayments to this income base will drive that will be important. Students should recognize how the symmetry will work between traditional banks and government loans, but for now, it is a key step forward if created for the correct reason.

Example: Minister of foreign affairs and foreign Trade, Senator Kamina Johnson Smith, twitted think this is a great idea worth exploring! 50 percent or 100 percent, 5 years or 10 years; Police with forensic and cyber capacities, Nurses critical care, Teachers (esp STEM)–is this something that would be part of the bi-national commission to discuss? Or examined separately.”

I believe her conversation was extremely significant and does not alter the fact that they also use these loans for tuition, books and supplies, and ongoing expenses. It does not define one hope that this new loan forgiveness as to one’s degree, but an incentive to attract the best and the brightest and keep them. It is like a private corporation giving you a bonus stock option upfront or a reward for your work.

This application should not create other social stratification what jobs are more important to be considered. Attracting and keeping the right workforce will be an economic win-win for the nation. The common denominator should be civic service.

Tyrone, who makes certain that your water is clean and that trash picked up, or Susie, who processes your property tax daily; or Nadine, who attended school to study agriculture; and still paying off those loans, but became unemployed when her factory closed, but she always enjoyed cooking, and currently prepares your child in school lunch at the primary school. They are in addition government workers.

Your commitment

These loan incentives were first developed by officials to compete with the private sector to attract and retain the brightest. It is more than likely that your civil service career will not make one extremely wealthy, as these public service positions often like being a law enforcement officer that is put in a position of authority.

They must dedicate one, physical and mentally fit where pride and sense of duty dictate success or failure. It is a career that helps to maintain a quality standard of living and has a smooth retirement package (hopefully).

Finally, before you pick that academic institution to build your dream career, this is a candid conversation potential student should discuss with their families because far too often, retired parents left to carry the burden just wanting to perceive their children get a chance at being successful, and one should not eliminate a good idea even if you have an ideological difference with the messenger.

For one, there has been a massive increase in government spending globally, but looking in, I hope this one is beyond twitter and an incentive only for votes because these students will benefit tremendously.

Protecting Caribbean Women from Domestic Violence, Chinese Community Policing Model Maybe?

By R.D. Miller

Her Story/Their Story

At the beginning of January 2020, I registered with a few electronic news media from the Caribbean region, and within a few days according to my online feed reports about six murdered women, including others who have disappeared.

Today I highlighted a few from an increasing list of victims and ceased counting. From Trinidad and Tobago, Jezelle Phillips, Gabriella Dunbarry, and Pollyan Chunlesingh.

From Jamaica, Neville Sinclair sought to escape a toxic relationship, Shantel in McMaster in a supermarket shot dead by her lover, Suzanne Easy, killed by the defense force Corporal Doran McKenzie who later took his life.

And from Guyana, Somattie Keosoram, Naiee Singh Naiee, 31, an ad­min­is­tra­tive of­fi­cer, and Sharon Burnett, 56 a shopkeeper.

Though several males have lost their lives to violence around a similar time. Many of these cases are unrelated to an intimate relationship, but studies have shown, on average; less than ten percent of men are killed by their female partners, while males kill about70 percent of females.

Photo by cottonbro

A victim is killed by a spouse, ex-spouse, or some dating partner every 14 hours. And every 20 minutes an intimate partner abuse someone. Domestic violence accounted for about 19 percent of the total burden of healthcare for women age 15-44 according to experts and the center for domestic violence.

Studies have shown that on average about 40 percent of the Caribbean population identifies crime and security-related issues more severe facing their countries, further so than poverty or inequality. And while leaders debate, the psychological effects continue.

Does it matter if you are a teacher, student, wife, mother, aunt, or sister if the murder rates and violent crimes especially against women are high?

The chance of being kidnapped, robbed, raped, or murdered is also high. Unfortunately, before you finish reading this article, there will be other victims.

Violence in general, especially domestic is a public health issue along many of these shores.

24-year-old, Shantel Whyte in a domestic relationship that went bad gunned down his love inside the store he managed. Many local reports noted that she was well-loved, energetic, and had a bright future. Accountability is also key to getting the community to become more engaged. Social media alone cannot replace good governance.

Shaitel Whyte-24

Authorities habitually lack the resources, especially in rural areas, where technical skills to solve challenging crimes could use an upgrade.

Today, weapons have replaced discussion to minimize minor conflicts. And with the lack of resources for resolution, disagreements easily degenerate into brutal personal aggression and killings. Often, these perpetrators have overlooked criminogenic risks factors that include anti-social cognitions and behavior. (Domestic Violence-Podcast)

The silence is deafening

Often selective amnesia kicks in and it can no longer be a strategy. Minimization represents not a plan, tweets do not conjure fundamental support, nor frequent comparison to another country offers a solution.

Furthermore, a sudden visit to a victim’s home is good, but without resources or a quick policy that lacks getting to the root of the problem, women’s concerns at the table and the community included is not a long-term solution.

Though violence is ubiquitous, and there are many reports of mentally deranged or racist individuals with easy access to high-powered weapons killing or targeting innocent victims. However, the reported one or two-per-day killings on these shores are adding up regardless of location.

It seems that the same record plays over and over, we are going to look for solutions and where local concerns voices seem to be drowned out. Additionally, these atrocities must be solved thereby, capturing potential serial killers off local streets and communities.

How many women before these latest victims have gone missing, abused, or murdered, and those stories remain unsolved?

Far too often a consistent trend,” the police investigation is ongoing, while vulnerable victims families search for sufficient answers. When does the “next button stops along these shores, and many other places?

I wondered are the Caribbean women threaten with gradual extinction not by shark attacks, or aging but by the hands of their domestic partners. How many youthful lives have been cut short? Your next school teacher, police officer, doctor, social worker, or even prime minister. It looks like these perpetrators have taken out life insurance policies and to cash in many resorts to violence.

Photo by Anete Lusina

The blame game

Swiftly accusing the victims is minimization, and the argument that those men kill from mistrust, terrible judgment, and she should stop talking back to how much they spent on her needs to be debunked.

Even more problematic than the re-victimization attitude by some, as if they had it coming.

Often in our society, conversations on these cases begin with the interrogation of the victim.

“She could have run out of the situation .”

What caused her to be abused?….. Why didn’t she leave?

But no one ever asked him in jail, at school, church, or in the community; Why he targeted her?

She should run, but where is she going to hide in a system that has holes, that should protect their vulnerability. It is always what she must have done, and not what should have happened.

Often many victims, and even who are tasked to help may deflect or minimize. We recognize the traditionalists, the “silent generation, “as experts noted, are individuals of an era raised to be seen and not heard.

Every year, millions of women are emotionally, physically, sexually, or economically abused or killed by someone they recognize and love, a husband or a partner. These domestic and family violence cases are more than politicians arriving at a gruesome crime scene, captured a few pictures with a victim then posting on social media with little or no resources to follow.

Photo by RODNAE Productions

On many Caribbean islands, and other places, Asia, Africa, Europe, and Latin America; domestic violence remains taboo in some cultures. It has an extensive history of masculine chauvinistic (macho) status.

Changing an old ideology

Many still view street harassment as normal and few will admit that is a critical problem. Habitually this behavior escalates into unwanted touching, assault, kidnapping, and death.

Unfortunately, many victims remain in the shadows after being re-victimized, humiliated, blamed, and given little support, even for the offenders.

The upward socioeconomic mobility of women and other victims may have become a threat to some males because; she is now independent, confident, more educated, and that severely threatens traditional thinking where gender role defined and she was better suited or relegated to the kitchen.

This violence seems to be on a trajectory like in other places where ethnic, cultural, and religious cleansing from geopolitical conflicts. Human rights reports have shown, the vulnerability of women being targeted, and if they do not comply with orders many, are molested, brutalized, or killed.

The cycle, disconnect, and long-term impact

Many children who live in homes where there is domestic violence equally suffer abuse or neglect at a higher rate. This violence develops a pattern of psychological and overcoming this traumatic experience suffers long-term critical consequences in which some also become abusers.

Over three million children witness domestic violence in their homes every year. Some grew up falsely believing that if because concerned mum stayed it was ok. However, the lack of effective responses; resources, and often accountability by local law enforcement and judiciary; coupled with inadequate training for first-line responders to handle these violent cases, the cycle continues for helpless victims.

Often these victims’ stories are sometimes politicized, deflected, or little condemnation by elected officials to not disturb the tourist ships from docking, to keep hotels at capacity, or simply put, they likewise are indirect victims of the impact or fear to speak up.

Getting to the root of the problem

This issue is beyond a few tweets with a distorted sense of empathy. They should be galvanizing more and demand change and official accountability because “we are going to, “does not prevent fractures, third-degree burns, lacerations, disfiguring scars, and finally death in many cases.

Leaders must invest more resources in Community Policing, treatment programs, victim services, and youth organizations to identify these troubled individuals, job training, and rehabilitation to prompt a mental shift on how they mitigate conflicts.

These local systems must be able to identify the criminal symptoms with psycho-sexual assessments before you can deploy a vaccine.

The uptick in violence, especially against women, needs critical examination as to the cause supported by policies to offer more protection and support. Despite laws and women’s rights movements in the region dated back to the 1950s like in The Bahamas, led by Dr. Doris Johnson. However, several of these laws are outdated and may need to be amended to meet today’s concerns

More dialog is important, and not just when one is murdered. It cannot solve the familiarity of what happened at home stays at home with a call to a dear pastor, or few likes on social media while they seldom hold perpetrators accountable.

Very often, it is a 48-hour news cycle, guilt, social media bliss, and promises as if governance can be accomplished in a few characters. Some of your leaders should go back and read their social media promises and what will be arranged, with little or no support to follow-up for the victims.

Confronting violence against women is making sure that their community remains a great place to live, work and play with the ability to provide resources to underprivileged victims, food, and personal care items, and a safe place to tell their story without being revictimized.

The Barriers

Poverty, inequality, stigma, and polarization make critical resources difficult to offer family or personal counseling. Intervention would allow treatment, victim services: mediation or shelters. Throughout many Latin American and Caribbean communities, according to the experts, access to these services would change course.

Sadly, experts noted that some group interventions stay in the shadow, lacks proper staffing, closed shortly afterward, and the convicted offenders frequently require the cooperation of law enforcement to make sure they attend treatment programs.

Victims continue using the health care system more than others do, and for several years after.

Today, it seems some elected leaders suffer from selective amnesia regarding violence; robberies to ongoing missing students. They are often caught up in the complexity between policing, politics, and the community.

Vigilantly justice on top does not develop thriving communities. It only shows a deeper systematic issue in the communities and people must speak up to reduce violence. “See something wrong, say something.””

A Chinese style accountability may reduce this senseless violence.

Since the outbreak of the Coronavirus, China stabilized over 60 million in one weakened to quarantine this infectious virus according to published reports. What if local law enforcement pursued a similar approach to address family and violent women?

China’s increasing presence globally studies and publications in recent years have shown making new inroads into the Caribbean islands and Africa. They have experienced a cultural explosion of Chinese companies and other recent investments.

These private investments reported offering a path to better economic growth and safety.

What if?

I reluctantly began hypothesizing given the Chinese influence on these shores. I entertain some deep thoughts and looked into this trend, and after calling a few experts and friends. They may offer a more robust public safety strategy to safeguard their investments.

If they should the Chinese takeover, high crime islands public safety operations, it may prevent more women from domestic violence killings and other criminal issues?

It will not become a structure of governing that is called a “police state” that only works in a Totalitarian system where the government exercise power through the police. This only leads to more citizen suspicion and anger toward law enforcement. And a delicate walk surrounding these nations’ politics and the constitution.

This idea is less than likely because reports have shown China has human rights issues like forcing Mandarin, as it has done the Uyghurs, an ethnic minority. But importing another approach to addressing these public health issues may work since they already invested and own key areas of these shores. This intrusion may upgrade technology and training.

This controversial practice according to scholars “who are their friends and all the enemies.”If these were to happen, violent criminals would face harsh restrictions of movements, and that alone is what many victims face in these toxic relationships.

These victims need your voice.

Violence against women continues to mask in the shadows in these communities. These victims deserve your support, and an action plan, after she gathers the courage to come forward.

There is a struggle, especially in the higher crime islands, to differentiate ideology from policies to combat this malevolent that is getting worse. Even if it decreases the number of cases of children who have gone missing or later found dead, it may be worth consideration.

Each year from Reggae Fests, Soca and Carnivals took over these nations, but beneath the costumes and rhythms; one loves vibes; someone is hurting from irrational decisions by perpetrators, and maybe these events should be placed on hold to highlight this epidemic.

The system needs to develop better assessments and interventions, mental health, and substance abuse. Often social media only focus on dense areas of crimes while rural areas have gone unnoticed. Speaking about domestic violence, build up confidence for the next generation of awareness. We can no longer accuse it of culture, where the objectification of women remains normal.

Let us continue to talk about it.

I hope more helpless victims will receive critically extra support from other women and organizations when they come forward without fear of the economic impact.

Violence against women must stay a critical priority not only in an election cycle. This issue will not stop throughout the world as many domestic partners will continue brutally abuse and kill regardless of the calendar day.

Photo by cottonbro