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Rising unemployment isn't the only dynamic HAMP fails to thoroughly take into account...
...deal with - people who wouldn't be in a position to keep their houses even with a modification. Emily Jones, a manager at Neighborhood Housing Services in Boise, Idaho, says about half of all people who walk into her housing-counseling agency fall into that camp. "The goal isn't to keep the home in every situation," she says. "The goal is to avoid foreclosure, and in a lot of situations, it's not in the client's best interest to try to keep the home and only postpone the inevitable." (Read "FHA: Housing's Safety Net Begins to Fray...
...bottom 1% of America's schools - approximately 5,000 of them - over the next five years. While he has since dialed back the scope of the project (the Education Department now expects the funds to tackle 1,200 or so schools), the objective remains the same. "My goal isn't quantity but quality," Duncan told TIME in July. "That bottom 1% are made up of dropout factories, where 50, 60, 75% of kids are dropping out. Change around the edges isn't going to get us where we need...
While it's difficult to argue with the larger philosophical goal -let's fix the U.S.'s dropout factories - some critics say the evidence of success in turnaround strategies just isn't there. Worse, it isn't even that clear what makes a turnaround a turnaround. "There's no agreement on how bad a school has to be in order to qualify," says Andy Smarick, a former deputy assistant education secretary who is a visiting fellow at the Thomas B. Fordham Institute, an education-reform think tank. "There's no agreement on how long it has to sustain that level...
...Rahman, the chemistry teacher, has a list of ideas to beef up security, ranging from hiring more trained security guards to adding CCTV cameras, but he doesn't expect any of them to happen because the school can't pay for them and the government isn't willing to pick up the tab, he says. "It shouldn't put the [responsibility for] funding on the college for everything," he says...