by Staff Reporter | Dec 13, 2024 | Economy, News
By Staff Reporter |
The city of Phoenix is one of the cities with the most debt in the country, according to a new study.
Per a study from LendingTree, Phoenix ranks 18th among the 50 largest metropolitan cities for debts held. The average Phoenix resident has a debt surpassing $39,000. That’s higher than the average nonmortgage debt across all 50 of the country’s largest metropolitan cities (about $37,800).
The average Phoenix resident’s income amounts to $79,600 according to Census Bureau data, above the median household income for the rest of the country (over $75,100). The average Phoenix resident debt amount is nearly half of the city’s median income.
LendingTree retrieved its data using anonymized credit reports from around 210,000 users on their platform from April through June of this year across the 50 largest cities. Nonmortgage debt includes auto loans, student loans, credit cards, personal loans, and all other types of debt excluding mortgages.
Nearly 97 percent of consumers in Phoenix have nonmortage loan debts, per the study. That tracks with the debt averages for rest of the 50 most populated metros: on average, 97 percent of residents across all those cities have nonmortage debt.
45 percent of Phoenix residents also have auto loan debt, 85 percent have credit card debt, 24 percent have personal loan debt, and 24 percent have student loan debt.
Phoenix ranked even higher with its average auto loan debt, placing eleventh with the average auto loan debt sitting at nearly $14,000. That’s higher than the average auto loan debt for the state, which amounts to around $6,000. Auto loan debts accounted for the greatest portion of average debts held by Phoenix residents, which is also the case for 26 of the other 50 major metros included in the study.
Average credit card debt in Phoenix amounted to just over $8,200, average personal loan debt amounted to about $4,200, and average student loan debt amounted to over $10,300.
The average Phoenix resident’s credit card debt came out higher than the state’s: the average for all of Arizona amounts to over $6,300.
At the end of last year, Arizona ranked among the top ten states for the highest average unsecured personal loan debts: around $12,300. Arizona also ranked among the top 20 for highest average household debt increases from last year to this year: an increase of over $700, making total household debt in the state amount to over $429.6 billion.
The city’s student loan debt is lower than that of the state. As a whole, the state has an average student loan debt of nearly $35,700, with about 902,600 borrowers living in the state.
Phoenix was the only metro city from Arizona listed on the top-50 ranking by LendingTree.
The top three cities for debts held were all in Texas: Austin, San Antonio, and Houston, in order of highest to lowest.
The three cities with the lowest amounts of debt, in order from least to greatest, were: San Jose, California; Louisville, Kentucky; and Milwaukee, Wisconsin.
AZ Free News is your #1 source for Arizona news and politics. You can send us news tips using this link.
by Matthew Holloway | Dec 12, 2024 | News
By Matthew Holloway |
Noble Predictive Insights (NPI) released its Arizona Public Opinion Pulse (AZPOP) results on Thursday, offering the closest to a full exit-poll that has been generated in the state so far after the election. Conducted in the last pre-Thanksgiving week of November, the survey spoke to 988 registered voters in Arizona and among other things asked voters specifically, “WHY they voted the way they did.”
The pollsters asked voters to express their reasoning for voting for President-elect Donald Trump versus Vice President Kamala Harris and for Congressman and Senator-elect Ruben Gallego instead of Kari Lake in particular.
Of all concerns that dominated the presidential election, the outlet found, as many polls prior to the election did, that the economy predominated being the most important issue in voters’ decision with 27% of respondents. This was followed by immigration, “Threats to Democracy”, and the “candidate’s background or policy record.”
The pollster’s noted:
“Trump’s GOP has made immigration a signature issue for the party, and Democrats – the party in power – own both the positive and negative aspects of the economy. Translation: The two top issues were great for Republicans.“
Republicans and Independents both were motivated first by the economy and then by immigration, while Democrats were motivated by the perceived “threats to Democracy,” followed by the economy and abortion.
David Byler, NPI Chief of Research explained, “Republican and Democratic candidates ran like they were living in different universes. Democrats cared about abortion and threats to democracy much more than immigration. Republicans saw immigration and the economy as crises caused by the Biden Administration.”
“We saw this same pattern in the pre-election polling. But the election proved that the GOP argument – about the economy, immigration, and dissatisfaction with how Biden governed – won the day.”
The pollster also observed that a potentially fatal flaw in Harris’ campaign was her deep integration within the deliberately named Biden-Harris Administration, which precluded her making a clean-break from an extremely unpopular presidency among Arizona voters.
“As Biden’s VP, most voters (56%) view Harris as an extension of the Biden administration rather than a new politician forging a different path (33%). Arizonans disapproved of Biden’s job performance for most of his tenure as President – which suggests he may have been a liability for the Harris campaign.”
Mike Noble, NPI Founder & CEO noted, “Hindsight is 20/20, but this might be one of the biggest mistakes of the 2024 Democratic process for replacing Biden. They chose someone who was part of the Biden Administration, knowing that he had a poor approval rating. Harris could be tied to Biden in a way that almost nobody could.”
Turning to the Senate race, the results took on a different character entirely. Rather than addressing particular issues or positions as they did in the presidential race, the pollsters’ questioning yielded more emotionally driven responses related to Kari Lake’s favorability, thus not offering a similar distinction in the Senate race. The outlet wrote, “This AZPOP asked voters who had an unfavorable view of Lake (53%) WHY they disliked her, and allowed them to select multiple reasons.”
Based on the narrow breadth of the question and its scope being limited to those who voted against Lake, Noble Predictive Insights found a majority of Gallego supporters either did so because she “denied her 2022 loss in the governor race,” because the respondent “did not like her personally,” or because she “imitated Trump without offering new ideas.”
Matthew Holloway is a senior reporter for AZ Free News. Follow him on X for his latest stories, or email tips to Matthew@azfreenews.com.
by Daniel Stefanski | Dec 12, 2024 | Education, News
By Daniel Stefanski |
An influential Arizona Republican lawmaker is combating arguments from an anti-school choice organization.
This week, Senate President Warren Petersen responded to a post from Save Our Schools AZ, which highlighted a local media report about school closures in town. Save Our Schools AZ wrote, “Last night, the Roosevelt school board voted to shutter 5 neighborhood public schools due to major budget deficits caused by chronic lack of funding from the state legislature and universal ESA vouchers.”
Petersen retorted, “First of all it is mostly a declining student population not ESAs or the funding which has doubled over the last 12 years (now 15k/student). Second if someone who receives half your funding is putting you out of business you might want to make some changes.”
The east valley lawmaker then reposted one of his earlier communications about ESA funding to help bolster his point. He stated, “District vs. Charter vs. ESA Funding from all sources. District = $14,857 per student. Charter = $12,510 per student. ESA = $7,700 per student.”
Continuing with this education theme, Petersen stated, “The Republican-led Legislature has always supported K-12 public education. We have dramatically increased funding over the last decade and are now at $14,857 total funding per student. We support empowering parents to make the best educational choices for their kids, whether sending them to public, charter, or private schools.”
Petersen added, “The statement being pushed that ESAs are taking money from district schools is false. The reason some districts are closing a handful of public schools represents a decline in the number of students attending these schools and a decline in enrollment. Public schools thrive based on how they’re administering programs and curriculum. Failure in this area results in families seeking schools that are excelling in these areas to meet their families’ needs.”
Save Our Schools also shared a report of more potential school closures – this time in the Cave Creek Unified School District. The account wrote, “The Cave Creek district is considering shuttering schools. ‘Cave Creek officials are blaming the expansion of AZ’s voucher program, which allows all school-aged kids across AZ to use public money for private school tuition or homeschool expenses, for part of their hardships.’”
The escalating debate between the Republican leader and the anti-school choice organization comes just weeks before the start of the new legislative session, where the issue will surely be discussed increasingly between the opposing sides. In the two years of Arizona’s divided government, Republicans have held the line when it comes to safeguarding school choice, while Democrats, led by Governor Katie Hobbs, have unsuccessfully tried to whittle away at the state’s historic opportunities for families. Petersen has managed to force Hobbs to back off of her repeated promises to reduce Arizona school choice freedoms on a number of occasions, including in both of the past budgets negotiated between the Governor’s Office and Republican legislative leadership. He will continue to engage in this role over the next two years as he returns as his chamber’s leader.
Daniel Stefanski is a reporter for AZ Free News. You can send him news tips using this link.
by Daniel Stefanski | Dec 12, 2024 | News
By Daniel Stefanski |
Ahead of a new presidential administration’s efforts to secure the southern border, an Arizona Member of Congress is introducing legislation that would help to that end.
U.S. Congressman Andy Biggs recently introduced the Congressional Border Security Assessment Act. According to a release from his office, this bill would ensure “that Members of Congress and accompanying Congressional staff can fully assess border security on Indian reservations that include at least fifty contiguous miles of the U.S. southern border.”
In a statement, Biggs said, “The Biden-Harris Administration opened wide our southern border, and Members of Congress must not be restricted from attempting to survey and report on the state of the chaos. Tribal police on Indian reservations have impeded Members’ ability to travel to the U.S. border in the past. My legislation makes clear that this is unacceptable.”
Biggs was joined in support of the proposal by Texas Congressman Brian Babin. Both Biggs and Babin chair the Border Security Caucus in the U.S. House of Representatives, which they have led throughout the Trump-Pence and Biden-Harris administrations. This caucus brings Members of Congress together with key stakeholders at and around the southern border to discuss solutions to the issues there.
Earlier this fall, Congressman Biggs introduced the Keeping Aid for Municipalities and Localities Accountable (KAMALA) Act, which would “ensure that the federal government is not bankrolling states and localities that provide illegal aliens with housing assistance.” He was also the first Member of Congress who introduced articles of impeachment against Department of Homeland Security Secretary Alejandro Mayorkas in August 2021, and he reintroduced those articles in the current Congress last year. Mayorkas would eventually be impeached by the Republican-led U.S. House. Biggs said of the case against the Biden cabinet official, “It’s clear Secretary Mayorkas has committed high crimes and misdemeanors. His conduct is willful and intentional. He is not enforcing the law and is violating his oath of office. For these reasons, Secretary Mayorkas should be impeached.”
The longtime east valley lawmaker has been one of the top border hawks in the U.S. House of Representatives since he entered Congress in January 2017. Each year, Biggs leads delegations of fellow Members – mostly Republicans – to the southern border to meet with local law enforcement, ranchers, and Border Patrol agents. He was just re-elected to another term in Arizona’s Fifth Congressional District this past month, which will be his fifth in his current office. Previously, Biggs served in the Arizona State Legislature, including a stint as the Senate President.
Daniel Stefanski is a reporter for AZ Free News. You can send him news tips using this link.
by Staff Reporter | Dec 11, 2024 | Education, News
By Staff Reporter |
The Maricopa Superior Court dismissed a challenge to a school district’s dual language program, citing lack of standing.
The plaintiff, Patricia Pellett, is a Scottsdale Unified School District parent, and not part of the district she challenged, Creighton Elementary School District (CESD). Arizona Department of Education (ADE) Superintendent Tom Horne’s wife, Carmen Chenal Horne, represented Pellett in the case.
Back in August, Horne said that it was irrelevant that Pellett didn’t have a child in CESD schools.
“Under a provision in the initiative that said that a student of any parent in the state could bring an action against any school district in the state that violates this initiative,” said Horne.
The challenge to CESD arose from Horne’s crusade against dual language programs. Horne’s aim is to have all schools teach only through immersion programs. Dual language models teach students subjects in languages other than English for part of their education, whereas immersion has students taught their subject matter entirely in English.
State law enacted through a voter initiative (Proposition 203 passed in 2000) requires that public schools teach the English language through English-spoken courses and English language classrooms, unless parents are eligible to provide prior written informed consent for bilingual education techniques or those educational methodologies permitted by law.
“[A]ll children in Arizona public schools shall be taught English by being taught in English and all children shall be placed in English language classrooms,” states the law.
Eligible circumstances include parents with children who already know English, older children, and children with special needs.
The Arizona State Board of Education has determined that parental waivers for immersion aren’t required, a finding affirmed by Attorney General Kris Mayes last year. Mayes published that opinion in response to a request on legal clarity from state representatives as to whether the language models used by seven school districts — Glendale Elementary, Kyrene Elementary, Phoenix Elementary, Mesa Public Schools, Laveen Elementary, Creighton Elementary, and Mexicayotl Academy — warranted corrective action by ADE.
Horne dismissed Mayes’ opinion as “ideologically driven” and not based in law.
Horne turned to Pellett to challenge schools’ dual language programs after Maricopa County Superior Court ordered Horne to pay over $120,000 in legal fees earlier this year.
The judge, Katherine Cooper, ruled that state law didn’t authorize Horne to ask the courts to rule on school district compliance with Proposition 203. Cooper ruled that only the State Board of Education possessed authority over dual language programs, citing the board’s responsibility for developing and approving immersion models. Cooper further declared that Horne had no justiciable claim, either, and ruled that parents and guardians had the power to file lawsuits to enforce the proposition.
“The school districts, like all public and charter schools, are required to follow a model as approved by the State Board,” ruled Cooper.
Horne’s response was to accuse the ruling as avoidant of the merits of the case. He reiterated that the voter-approved initiative (Proposition 203) required children to be taught in English.
With Horne’s continued challenges to the existence of dual language programs and advocacy for immersion programs, the Arizona School Boards Association says it will advocate for greater reliance on 50-50 models.
AZ Free News is your #1 source for Arizona news and politics. You can send us news tips using this link.
by Staff Reporter | Dec 11, 2024 | News
By Staff Reporter |
Maricopa County Republicans no longer wish to challenge the voter-approved transportation sales tax.
The Maricopa County Republican Committee (MCRC) filed a motion to dismiss their lawsuit against Proposition 479 on Sunday.
The attorney for MCRC’s lawsuit, Bryan Blehm, filed the motion to dismiss on behalf of plaintiffs Craig Berland (chairman) and Shelby Busch (first vice-chairman).
Proposition 479 was styled as a continuation of a half-cent sales tax first established in 1985 and last renewed in 2004. The tax revenue funds Maricopa County infrastructure and will last until 2045.
Just short of 60 percent of voters passed Proposition 479. Polling months ahead of the election indicated this to be the case. The proposition came out of a Senate bill advanced by Republican leadership in both legislative chambers, SB 1102, which Senate President Warren Petersen hailed as “the most conservative transportation plan” in Arizona history.
Not all Republican leaders agreed. Arizona Freedom Caucus members expressed opposition to the Senate bill, as did the “conservative watchdog groups” they referenced.
“[This proposition is] a massive win for Hobbs and the Democrats,” said caucus member State Representative Justin Heap.
The Arizona Free Enterprise Club and Goldwater Institute also opposed Prop 479. The two entities claimed in remarks of opposition submitted to the county that the proposition would mostly fund transit.
Per the Maricopa Association of Governments (MAG), 40 percent of the sales tax revenues is slated for the construction of freeways and highways, 22 percent for arterial roads and regional transportation infrastructure, and 37 percent for transit.
Democratic leadership at all levels stood in support of the proposition’s passage and opposition to the MCRC lawsuit, from Governor Katie Hobbs to Phoenix Mayor Kate Gallego.
MAG Regional Council also joined the county to argue for dismissal of the lawsuit. Kevin Hartke, MAG chairman and Chandler mayor, said in a statement to InMaricopa that the lawsuit went against the majority of voters and their desire for transportation funding.
“We won’t let a flawed claim stand in the way of our 40-year legacy of building one of the best transportation systems in the country,” said Hartke. “The transportation plan unanimously approved by the region’s elected leadership, sent to the ballot by the Maricopa County Board of Supervisors and overwhelmingly approved by the voters of Maricopa County, is critical to the quality of life of our residents and the continued strength of our local economy.”
MAG predicts the tax will generate up to $15 billion in revenue (using 2020 dollars) and slash commute length to an average of 30 minutes through 2050, even with an estimated influx of 1.7 million residents and 900,000 jobs.
MAG Executive Director Ed Zuercher indicated that county officials weren’t going to cease moving forward with their transportation plan, even if the lawsuit had progressed.
“The regional transportation plan that was unanimously approved by MAG’s mayors, tribal and county leaders, and supported by business leaders and the voters, will be implemented on schedule,” said Zuercher.
In reporting from last week, Arizona’s general contractors also sided with the efforts to protect the sales tax. The Arizona Chapter of Associated General Contractors of America had criticized MCRC’s lawsuit as “frivolous” and based on political contentions advanced by “disgruntled partisans.”
AZ Free News is your #1 source for Arizona news and politics. You can send us news tips using this link.
