By Peter Broad
Indiana University of Pennsylvania students: Are you unsure about whether to vote or for whom? Do vote. And when you do, consider the following:
--- Are you carried on your parents' insurance until age 26? President Obama's Affordable Health Care Act guarantees this coverage. His opponent has vowed to repeal it on his "first day" in office.
--- Want affordable access to contraceptive services? President Obama supports mandatory insurance coverage for contraceptive services and funding for Planned Parenthood, the primary provider of services to low income and uninsured women. His opponent vows to repeal health care reform and to stop federal funding for Planned Parenthood on his "first day" in office.
--- Need low interest student loans to finance your education? President Obama doubled funding for Pell Grants, capped federal student loan repayments at 10 percent of income, and implemented loan forgiveness for students who have paid on loans for years. His opponent suggests you borrow money from your parents.
--- Do you sometimes carry a balance on your credit card or miss paying on time? President Obama's Credit Card Reform Act prevents raising interest rates on existing balances, limits late fees to $25, and requires full disclosure of costs. His opponent pledges to repeal all financial reforms on his "first day" in office. He has yet to explain his own version of financial reform.
--- Want a job when you graduate? Under President Obama's administration, jobs are increasing and unemployment is dropping. His opponent claims he will create millions of new jobs, but when he was governor of Massachusetts, the state was fourth from the bottom in job creation. However, in the private sector, he created many new jobs - those he outsourced to other countries.
President Obama has signed laws that benefit students and their parents. His opponent has planned a big first day in office: He will repeal them all and implement unspecified alternatives. The choice is clear.
Finally: Those registered to vote in Pennsylvania are NOT required to show photo identification -- unless it is your first time at that polling place. Your I-card or drivers' license will be accepted.
Do your homework, read more about the issues (at FactCheck.org, for example), find out where you vote, and get out and vote!
Peter Broad is an IUP professor emeritus, a resident of Indiana borough and a member of the Indiana Borough Council.