Exam 14: Closer Together, Further Apart, 1975-2000

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In 2000, whites composed ____________________ percent of the U.S. population.​

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Term for identification:  Federal Direct Loan Programs​

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The Federal Direct Loan Program, also known as the William D. Ford Federal Direct Loan Program, is a United States federal government program that provides low-interest loans to students and parents to help pay for education beyond high school. It is the largest federal student loan program and includes several types of loans:

1. **Direct Subsidized Loans** - These loans are available to undergraduate students with financial need. The U.S. Department of Education pays the interest on these loans while the student is in school at least half-time, for the first six months after the student leaves school (referred to as a grace period), and during a period of deferment (a postponement of loan payments).

2. **Direct Unsubsidized Loans** - These loans are available to undergraduate, graduate, and professional students, and eligibility is not based on financial need. Interest accrues on these loans from the time they are disbursed, including while the student is in school and during grace and deferment periods.

3. **Direct PLUS Loans** - These loans are available to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but a credit check is required.

4. **Direct Consolidation Loans** - These loans allow students to combine all of their eligible federal student loans into a single loan with a single loan servicer.

The Federal Direct Loan Program is administered by the U.S. Department of Education, and unlike private loans, the terms and conditions are set by law and include benefits such as fixed interest rates, income-driven repayment plans, loan forgiveness for certain types of employment, and deferment and forbearance options.

To apply for a Federal Direct Loan, students and their families must complete the Free Application for Federal Student Aid (FAFSA). The information provided on the FAFSA determines eligibility for all federal student aid, including Direct Loans.

Term for identification:  American Association of Retired Persons (AARP)​

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The American Association of Retired Persons (AARP) is a United States-based interest group focusing on issues affecting those over the age of fifty. Founded in 1958 by Ethel Percy Andrus, a retired educator from California, and Leonard Davis, later the founder of the Colonial Penn Group of insurance companies, AARP is a non-profit organization that advocates for social change through lobbying, community service, and information, education, and marketing activities.

AARP aims to enhance the quality of life for older Americans by providing a wide range of unique benefits, special products, and services to its members. These include various discounts, health-related resources, and insurance products, as well as a magazine and a range of other publications that cater to the interests and needs of the older population.

The organization also actively lobbies at the state and federal levels on issues such as Medicare, Social Security, and consumer protection, working to influence policy decisions that will have an impact on the lives of senior citizens and retirees. AARP has become one of the most powerful lobbying groups in the United States, with a substantial membership base that makes it possible for the organization to exert significant influence on public policy.

Term for identification:  Brady Bill​

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The candidate who aimed to mobilize a Rainbow Coalition of minority support in the 1988 election was ​

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Term for identification:  Child Citizenship Act

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​Which of the following was not a part of Newt Gingrich's Contract with America?

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Term for identification:  English-only laws​

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Term for identification:  Gulf War Syndrome​

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The Soviet Union officially ceased to exist on December ​25,

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Between 1982 and 2004, international adoptions to the United States declined.​

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Napster allowed individuals to share​

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Which of the following was not part of Clinton's Third Way​​?

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After communism fell in Yugoslavia​,

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Describe the events that would lead to the fall of communism in the Soviet Union and Eastern Europe.​

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Term for identification:  H. Ross Perot​

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Term for identification:  microcredit​

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Title X of the Public Housing Health Service Act provided ____________________ for low-income populations.​

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Term for identification:  deindustrialization​

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Term for identification:  Americans with Disabilities Act (ADA)​

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