Thoughts on Adverse Credit Delaying the Disbursement of Direct Plus Student Loans and a Possible Fix to an Ambiguous Appeals Process…

Let me preface this article by acknowledging that the student loan debt bubble looms large if tuition costs for American higher education continue to inflate, interest rates continue to rise, and nationwide unemployment remains high. However, in the here and now, there are many unacceptable cases where professional and graduate students are being stifled financially by a lack of necessary exemptions and a time consuming credit verification and appeals process. Specifically, due to limits on the maximum amount that can be borrowed per student per semester, and because of the required credit check approval process, many students now find themselves flipping over their couch cushions looking for spare change and begging their parents, friends, and relatives for money in order to survive during the gap periods and keep their credit scores from flat lining between the Spring & Summer and Fall & Spring semesters.

To illustrate, picture yourself in the following scenario faced by thousands of students for the past month and a half: You’re entering the summer before your third year of law school; you’re already $100,000 in debt (yes, that is around the typical cost of law school tuition and fees in 2012!) and you just accepted an unpaid internship with a government agency in order to gain practical experience and make connections. You’re taking classes at night to try and graduate on or ahead of time, and you depend on student loans to survive the day to day grind associated with gaining access to the legal profession. In early May you double checked your personal financial information and turned in your FAFSA application for your Direct Plus loan before the deadline (and had no issues arise during the previous aid periods).

As the end of May approaches, things have become increasingly tight financially. You receive word from school that your disbursement for the summer semester will not arrive until after the first of June, meaning that your rent and bills are going to be due despite not having enough money available from your previous loan to pay them (last year summer loans were disbursed just before the end of May). As the month draws to a close, you’re notified by e-mail that your application for a summer loan has been denied to due to a newly detected adverse credit issue. You immediately contact Equifax and discover that a billing company reported you to a collection agency because they failed to record a final payment for a phone bill you paid in 2010 (for which you have electronic record of), and in addition, Equifax discovers a bill for $65 that was never forwarded to your new address when you moved apartments last year (and that bill is now more than 90 days overdue and reported to a collection agency!).

You have Equifax run your credit again to verify the total amount you owe and are notified, after that you can cure the adverse credit issue through an appeals process if you can provide your school and Federal Student Aid (“FSA”) with written proof of your satisfaction of the debt owed. Unfortunately, not only are you already broke and not able to afford to cure your debt without your disbursement, but the credit appeals process takes another ten days due to unexplained delays on the part of the collection agency (a whole other important issue), meaning bigger late fees for rent and bills long with exponentially more borrowing needed for basic survival. There is just bad news all around (on top of interest rates rising to 7.9%), and it seems absurd that all this trouble is over a $65 dollar overdue bill that amounts to only 0.6% of the $10,000 that you’re scheduled to receive for the summer!

Under the current rules, an adverse credit report, no matter how insignificant the adverse debt when compared to the amount being borrowed, can prove disastrous to the life of an already broke and overworked graduate or professional student. This rough financial patch experienced by those without wealthy parents or relatives to bail them out as an endorser or “bank” is caused primarily by what I’m calling the “Limbo Period” for financial aid dependent students.

The Limbo Period begins just before final exams, in mid/late April to early May, and runs until loans for summer semester and/or loan qualified externships are disbursed. Because Spring loans are disbursed in mid to late January, and because the max amount has a limit that is designed to last into mid-May at the latest, it’s becoming extremely difficult to live a healthy life and have any money left over by the time final exams come around under the current system. There is no margin for error or accident, if you get sick or injured, then you are going into big time debt, and there is no chance of having money for rent if summer disbursements arrive after the first of June as they did this year.

What can be done to fix the current system? Consider the current language found on the FSA website, and then take a look at my proposed 10% exemption for students with adverse credit…

Current Language from the FSA website: “Credit check & endorser alternative… In some cases, you may also be able to obtain a Direct PLUS Loan if you document to our satisfaction that there are extenuating circumstances related to your adverse credit history.” (This is ambiguous language… what are extenuating circumstances and what does it mean to document something to the satisfaction of FSA?).

See full text: http://www2.ed.gov/offices/OSFAP/DirectLoan/applying.html

My Proposed Additions to the Current Language: For students who are notified by FSA that they have adverse credit but cannot attain an endorser, and do not have a written or electronically documented extenuating circumstance, funds shall still be disbursed as scheduled to each otherwise qualified student by their current institution subject to the “10% Rule Exemption for Students with Adverse Credit” as long as:

1) The total owed to the creditor or other agency by the student required to remedy the adverse credit is less than 10% of the amount sought from FSA for that student’s loan for the upcoming aid period;

Example: If a student is seeking to borrow $10,000 for the summer semester, then they will receive their disbursement on schedule if they owe less than $1,000 to the creditors whose reports triggered the adverse credit report.

2) The student provides evidence, in the form of a written or electronic document, of the amount owed to a creditor, and the evidence provided must demonstrate satisfaction of the 10% Rule; and

Example: Written or electronic proof of the amount owed being less than 10% of the amount to be borrowed by the student through FSA.

3) The student cures their adverse credit by the application deadline set by their institution for the subsequent financial aid period. Example: If the student in the earlier example is receiving summer Direct Loan money, and needs to pay off $850 in debt to a creditor in order to have their adverse credit status removed, then they have until the FAFSA deadline for the upcoming Fall Semester to cure their debt.

The purpose of this proposed change is to spark change so we can keep hard working graduate and professional students, who are most likely in unpaid intern or externships, from being evicted from their homes, swamped with giant late fees, and unable to afford groceries. These students should be focused on learning from their professors and serving their communities. The current adverse credit appeals process lacks any express language that addresses the month long Limbo Period. Therefore, it’s now up to FSA, with the assistance and persistence of the President and members of Congress, to act to implement a fix to this issue before it becomes a catalyst for a larger student loan crisis.

Thoughts On the National Security and Foreign Policy Visions of Mitt Romney and President Obama…

Less than five months from the 2012 Presidential Election it’s of significant value to begin paying closer attention to the actual details behind both candidates’ respective approaches to the biggest issues facing our nation. Despite not being the most talked about issue of this election cycle, the positions taken by both on foreign policy, national security and defense spending should be highly scrutinized given the vast amounts of life and treasure spent defending and securing the nation since the 2001 launch of the War on Terror.

Eleven years after 9/11, the choice made by Americans at the polls this year will dictate whether there is a neo-conservative revival cloaked in a call for an “American Century”, or whether a complete winding down of the ground wars and a heightened focus on coordinated special intelligence and targeted attacks on terrorist organizations around the world continues to take shape. This critical choice will determine whether our country pursues policies that appear to be adversarial, with a Cold War-era tone, or whether there is a continuing focus on strengthening alliances (such as the NATO effort that saw helped facilitate the overthrow of Gadhafi) through reasoned diplomacy and a common purpose of de-escalating tensions worldwide.

A dissection of the rhetoric and records of both Romney and Obama tells the story of two candidates, one who currently sits in the hot seat, has made the tough calls when the stakes were at their highest (Bin Laden raid), and seen the intelligence reports, while the other has surrounded himself with many of the same actors who drove the policies known as the “Bush Doctrine.” For example, Romney’s website lists as his special advisors the likes of Michael Chertoff, the former United States Secretary of Homeland Security under W. Bush, former NSA and CIA Director Michael Hayden, and Walid Phares, former Director of the Task Force for Future Terrorism at the Department of Homeland Security again under W. Bush. Bottom line, a vote for Romney appears to be a vote to double down on the neo-conservative policies advocated from 2000-2008.

President Obama’s team offers a stark contrast to Romney’s, as well as a vastly different vision for the role of the United States security apparatus overseas and at home. Led by Secretary of State Hillary Clinton and Defense Secretary Leon Panetta, Obama’s national security team has taken targeted anti-terrorism to a whole new level. At the time of this article, only one senior Al Qaeda official remains breathing, and his days look numbered. The Iraq War is over, and troops have begun coming home from Afghanistan. The President’s narrative offers goals such as “common security", "common humanity", and remaining "a beacon of freedom and justice for the world.” There is a focus on promoting peace and security in the Middle East and preserving America’s commitment to the security of Israel.

Romney’s campaign paints a dark portrayal of a world that harps on Cold War fears and a view that Obama seeks to “Hollow” out the United States Military. In reality, no matter what Romney says on his website, it’s simply misleading and disingenuous to say that re-electing the President means “a weak America, an America in decline, an America that retreats from its responsibilities, would usher in an era of uncertainty and danger.” To the contrary, it is likely that terrorist around the world have received the message that Obama will not hesitate to send a drone their way to eradicate the world from threats to our nation and our allies. An honest analysis of Romney’s national defense strategy reveals that he would really do nothing different than W. Bush, and that fear of a straw man version of Obama drives much of the rhetoric spouted by him and his campaign.

Lines such as “President Obama has repeatedly sought to slash funds for our fighting men and women” are simply misrepresentations that make our country less safe and do not reflect the reality of how powerful the United States Military truly is. Frankly, given the bloated defense budget (seven times that of China, and more than the next twenty largest military spenders combined), the argument that our military has weakened over the past three years is simply ludacris. (Defense budget was $530.1 billion in 2010, $549.1 billion in 2011, and estimated to be $553.0 billion for 2012). We should all agree that there are intelligent ways to maintain the greatest fighting force on earth while getting rid of excess spending that further exasperates concerns over the federal debt and balancing our budgets.

In addition, there is simply no need to expand the size of the military unless we plan on engaging in yet another ground war like we saw in Iraq. Any new war mongering at this point should be received with great skepticism and a dose of real concern for the sustainability of our troops both mentally and physically. Does anyone truly have the appetite for war with multiple nations in the name of ending an Iranian nuclear program that has no chance of succeeding to build bombs while under the intense scrutiny and surveillance of the United States and its allies? The GOP seems to have that very vision in mind, in fact Romney’s national security platform reads like a Tom Clancy novel that should concern even the biggest supporters of our military and intelligence endeavors. Do we really want to return to pre-emptive war and isolationism? Do we want to continue building alliances or return to bullying our way through disputes while giving our enemies more mental ammunition to build anti-American terror networks?

Thus, much is at stake this November in addition to jobs and recovering from the worst economic collapse since the Great Depression. The foreign policy visions of the candidates tell the story of two different futures for America’s military, and before voting, it is advisable that each one of us educate ourselves and those around us so that we as a nation can understand the ramifications of our collective choice for President. We should each take a hard look at the promises made by the President in 2008, and take a look at the Romney’s plans to revert back to pre-Obama policies. We should look at the tone of the rhetoric from both sides, and compare that rhetoric to the actual facts, look at the defense budget, and also look at how large and capable our military already is. The time has come for us all to look deeper than the pundits on FOX News, CNN, or MSNBC and to begin vetting the candidates without the media filter and based on the real effects of the candidates’ respective positions. National security is a good place as any to begin this important process.

Thoughts on the ongoing dispute over the true impact of photo ID voting laws...

America still has a problem. Despite our country’s oft-touted reputation as a shining beacon of democracy and freedom, severe voter apathy and low turnout, not voter fraud (only 9 possible instances of voter impersonation were reported from 2002-2007 according to protectingthevote.com), are once again looking like huge issues for the candidates for the Presidency and others running for office in November’s contests. For a moderate GOP candidate like Mitt Romney, lower than average anticipated voter turnout could mean that white Evangelicals, as well as Ron Paul libertarians have chosen to sit this election out. And for President Obama and other Democrats, a lower than expected turnout might provide evidence that, in addition to the historic narrative of 2008 being a thing of the past, red state efforts to make voting more difficult for the working poor, the young, the disabled, and minorities are working to theirs and our democracy’s detriment.

In states such as Georgia, which along with seven other US states (Texas and South Carolina have not yet precleared their laws with the Department of Justice) has a strict voter photo ID requirement for in-person voting, the elderly poor and other underrepresented groups will no doubt become further dissuaded from making the effort to vote if it means they need to make and additional trip (which requires transportation costs) to purchase a photo ID. The fact that the already dismal voter turnout figures in Georgia (49% average over the past three Presidential elections according to Census.gov) and across the country (54%) are being held down not only by the apathy that already plagues the voting-age populace, but also by the additional ID requirements, means that there is a self-inflicted negative impact on a fundamental tenant of our democracy, the right of the people to vote and to have a voice in the democratic process.

States with strict photo ID laws in place have consistently argued that no one is actually turned away at the polls for not having an ID, and that those without ID can by law cast provisional ballots which shall be counted if the individual produces proof of ID within a specified time period. However, despite wide public support for the ID concept, it is naïve to believe that the chance to cast a provisional ballot, that may not be counted, is going to persuade an individual without a photo ID to make the journey to the polling place to vote knowing their vote will not be counted unless they eventually take the extra step of obtaining an ID and proving they are who they say they are.

It’s also difficult to articulate how requiring additional steps beyond detailed voter registration, where proof of citizenship by social security number or driver’s license number is already a requirement in many states, amounts to anything less than a poll tax if it requires a particular type of photo ID that cannot be obtained without traveling to an office, getting the ID made, and paying whatever fee is required to do so. Taking it a step further, the law in states like Georgia permits only particular photo IDs listed on the Secretary of State’s website, which do not include student IDs from private colleges and universities, but do allow hunting permits to be presented without issue. Still, because it is impossible to measure with accuracy why an individual decides not to vote, the issue of measurability of any disparate impact as a result of this type of de facto tax remains at the heart and soul of the debate over the constitutionality of these laws.

As mentioned above, the argument is that there is no hard data to support the argument that the vote is being suppressed due to photo ID requirements. However, when we consider that most objective people would agree that adding an additional step that costs money to any process, no matter how nominal, at some point becomes a dissuasive factor in choosing to take part in the activity affected, here voting, then as a result it is fairly obvious that there is some sort of impact on voter turnout even if no hard data is obtainable. For example, a Brief Amicus Curiae of Rock the Vote noted that 1/5 of 18-29 year olds don’t have a driver’s license, and according to protectingthevote.com 19% of Latinos, 25% of African Americans, and 20% Asian Americans lack a government-issued photo ID compared to 8% of Whites. Bottom line, our lawmakers should know that one of the underlying purposes of the Voting Rights Acts of 1965 was to protect the right to vote as fundamental to all Americans, regardless of income level, race, color, or any other stereotypical classification. Photo ID requirements are simply a proxy for a broader effort to discourage the above classifications of groups from casting a legal ballot.

It is already a crime to impersonate another American using false identification; such deterrence takes care of any concern of fraud for 99.99% of the voting age populace. Sure, there may be a handful of cases every decade, but there is no justification for additional legal hurdles if there is no large scale problem to be solved. To the contrary, we should be doing everything we can as a society to make it easier to vote. We should be looking at ways to administer secure online elections, improve online registration services, consider moving the Election Day to the weekend to raise turnout, and begin modernizing our electoral process to make it more convenient for our social media driven society. We should not use the simple fear of losing an election veiled in non-factual voter fraud concerns as a reason to create proxies for voter suppression.

Unfortunately, many courts, including the United States Supreme Court, have largely bought into the myth that there is widespread voter fraud which justifies stricter voting laws, but the numbers volunteered by advocates of photo ID laws just do not add up to widespread fraud, and what is truly left is a disparate impact on the most vulnerable and least well off in our society. If we are to use grandiose rhetoric in describing our democracy, we should begin to set an example by doing whatever possible to lift our country from the basement of voter turnout amongst free nations. Despite the majority opinion, these new laws are simply a step back in the wrong direction, and the resulting apathy and low turnout is a black eye on our democracy.

Thoughts on why Tony Perkins and other anti-gay rights advocates are on the wrong side of history…

Tony Perkins, the acting President of the Family Research Council and a staunch anti-gay marriage advocate, recently spoke with CNN Anchor Brooke Baldwin prior to lobbying members of Congress on Capitol Hill. He, along with other conservative anti-gay rights groups are pushing for a Federal Constitutional amendment defining marriage as only between one man and one woman. When asked what motivates him to seek Congressional action, he stated that he and others believe that “allowing same sex couples to marry devalues marriage” as an institution. While being pressed by Baldwin on his personal beliefs, Perkins was asked whether he has ever stepped foot into a married gay couples home, or even sat down to discuss the issue with a same sex couple; his answer, “No, I haven’t.” He then deflected the conversation away from his personal experience with the LGBT community, which is apparently non-existent, to an argument of the issue being one simply of policy that does not consider personal feelings or civil rights. Baldwin responded by asking him if he was simply uncomfortable with gay Americans in general to which Perkins emphatically responded “no”. However, the discomfort in his voice and demeanor was obvious on the surface.

The Family Research Council and groups like it are not in favor of allowing civil unions for gay couples, a hard right position that diminishes their argument that the gay marriage debate is not about civil rights. Perkins knows that civil unions are simply contracts that have no bearing on traditional marriage and are not mentioned in any of the religious documents used to isolate the gay community from traditional marriage. Civil unions allow for basic hospital visitation rights for same sex couples and are largely symbolic in nature. However, when pressed to explain what exactly makes same sex relationships less valuable to them than opposite sex relationships, the fallback position for Perkins is that it’s about the kids and his religious freedom. To quote Perkins again: “Allowing same sex marriage takes away my religious freedom and I don’t want my kids being taught that same sex relationships have the same value as that of opposite sex couples.”

If ever there was an argument that screams of a violation of equal protection rights under the 14th Amendment, it is the argument that gay American relationships are of lesser value than those of straight Americans. After all, what should really matter is the word “American” when describing a citizen of the United States and the fundamental rights that go along with being designated as such. This country has already struggled through many of these same type of battles over equal treatment under the laws. Take rights for African Americans, women, and especially on point, allowing people of opposite races to marry each other. There will always be a segment of society who feels that minorities or those who are not like them are out to take something away from them. This time, the class of Americans being isolated is the gay community.

Ironically, allowing the gay community full marriage rights appears to have had a positive effect upon the divorce rate in Massachusetts, the first state to legalize gay marriage, and Perkins and other groups have attempted to counter the numbers by saying that the decrease in divorce is due to the fact that marriage rates in that State are down because of the change in the law. But this argument makes no sense because the reduction in marriages is a nationwide phenomenon that is unrelated to divorce and much more likely the product of the economic times than a trend due to same sex couples tying the knot.

When all of the cards are on the table, there appears to be nothing more than fear of co-existing equally with homosexuals driving Perkins and other social conservatives to lobby for a Constitutional amendment. These groups have clearly not spent any time with the individuals whose fundamental rights they want to suppress. There is no compelling interest unrelated to religious interpretation that drives their efforts. If marriage is indeed a recognized fundamental right subject to strict scrutiny by the courts, then the Family Research Council and other groups around the country have simply not met their burden of showing how any interest, other than disapproval of gay Americans, drives the movement to define marriage and to exclude a class of citizens from existing on an equal playing field.

Gay marriage is a civil rights issue, regardless of how it is framed by opposition groups, and as with the right to vote, desegregation, and interracial marriage, eventually allowing gay couples to marry, who are no different than any other citizen, will be considered a no-brainer. The modern GOP, Tony Perkins, and those who continue to want to segment society into classes of differing value, are simply on the wrong side of history.

If ever there was an argument that screams of a violation of equal protection rights under the 14th Amendment, it is the argument that gay American relationships are of lesser value than those of straight Americans. After all, what should really matter is the word “American” when describing a citizen of the United States and the fundamental rights that go along with being designated as such. This country has already struggled through many of these same type of battles over equal treatment under the laws. Take rights for African Americans, women, and especially on point, allowing people of opposite races to marry each other. There will always be a segment of society who feels that minorities or those who are not like them are out to take something away from them. This time, the class of Americans being isolated is the gay community.

Ironically, allowing the gay community full marriage rights appears to have had a positive effect upon the divorce rate in Massachusetts, the first state to legalize gay marriage, and Perkins and other groups have attempted to counter the numbers by saying that the decrease in divorce is due to the fact that marriage rates in that State are down because of the change in the law. But this argument makes no sense because the reduction in marriages is a nationwide phenomenon that is unrelated to divorce and much more likely the product of the economic times than a trend due to same sex couples tying the knot.

When all of the cards are on the table, there appears to be nothing more than fear of co-existing equally with homosexuals driving Perkins and other social conservatives to lobby for a Constitutional amendment. These groups have clearly not spent any time with the individuals whose fundamental rights they want to suppress. There is no compelling interest unrelated to religious interpretation that drives their efforts. If marriage is indeed a recognized fundamental right subject to strict scrutiny by the courts, then the Family Research Council and other groups around the country have simply not met their burden of showing how any interest, other than disapproval of gay Americans, drives the movement to define marriage and to exclude a class of citizens from existing on an equal playing field.

Gay marriage is a civil rights issue, regardless of how it is framed by opposition groups, and as with the right to vote, desegregation, and interracial marriage, eventually allowing gay couples to marry, who are no different than any other citizen, will be considered a no-brainer. The modern GOP, Tony Perkins, and those who continue to want to segment society into classes of differing value, are simply on the wrong side of history.

Thoughts on whether Karl Rove will be Romney’s Sarah Palin…

He will not appear on the Republican ticket or speak at the GOP Convention, yet his impact on the 2012 race for President of the United States has already been felt. He has skillfully navigated the post Citizens United landscape, helping to push the Tea Party into Congress. He is currently helping to pour millions of dollars into negative ads attacking President Barack Obama in swing states. He has attempted to depict Obama as an outsider, a celebrity, and distorted and twisted the President’s record/persona in order to get his messages across to key voting blocks. His and all other Super PACs are legally bound not to have any coordination with a candidate’s campaign, but it would be naïve not to see the many ways in which the new rules can be skirted (See Newt Gingrich on stage at campaign event with his sugar daddy). He is Karl Rove, George W. Bush’s former Deputy Chief of Staff, and his American Crossroads Super PAC cohorts are in the business of throwing political hand grenades.

Although Mitt Romney has not yet selected a running mate, he can rest assured that regardless of his pick the same kinds of inciting statements made to Republican crowds by the likes of Sarah Palin during the 2008 election (at the dismay of the McCain campaign) will be made by groups such as American Crossroads via the air and radio waves and the Crossroads GPS field campaign. Unfortunately for Romney, no matter how much he spends on ads, he will have never truly have control over the conservative message during this election season.

Much like Senator John McCain never had control over Palin’s crowds during the heavy campaign season,, Romney will also have little to no control over Super PACs like American Crossroads. No matter how hard Romney tries to keep things positive or on an economic message, he will constantly be walking back ads that Rove’s group has put out. There is no way he can stop it, so he will either have to embrace it or suffer the same fate as McCain.

It's also notable that McCain was never truly in with the starkest conservatives, and neither is Mitt Romney. Romney, like McCain, is not a big draw, he is not exciting, and he doesn’t give a great speech. Like McCain, Romney was the settled-upon candidate. He is not Chris Christie, Jeb Bush, or even Marco Rubio. Yet, because of the ill-fated Palin experience, and because FOX News is a defacto GOP network with Karl Rove as an active talking head, Romney will have to walk a fine line by either picking a name that draws ratings or by trying to play it safe with a lesser-known that he can consistently overshadow and keep on message.

He can go with a big name and risk being Palin’d, or he can go with a low profile pick and risk being overshadowed by Super PAC messaging because the ticket is just too boring. Either way, Romney will eventually run into messaging issues. His VP choice will no doubt be difficult, but the end result may be the same regardless of whether the pick is Marco Rubio or Rob Portman. The more outrageous Super PAC messages will always draw bigger ratings on FOX and Rush Limbaugh than will play-it-safe Romney campaign ads, and the Super PAC nonsense makes for bigger headlines with opposition groups. There is simply nothing Romney can do to stop this phenomenon under the current rules.

The conservatives running American Crossroads are not, and never have been or will be true Romney Republicans. Sure, they want to beat Obama, but this group is for the most part composed of ex-Bush aides and veterans of the neo conservative movement who are trying to stay relevant by pursuing the same divisive political messaging that drove the Bush/Cheney to two terms in the White House. They play on religion, they entice the birthers, they are the brains behind the new Tea Party movement, but they are certainly not Massachusetts moderates. They are the same people who trashed McCain in 2000, Kerry in 2004, and both Obama and Romney in 2008.

Karl Rove and company have Romney cornered, because unlike the Democratic Party, the Republican establishment does not have a recognizable uniting voice or platform (not liking the President is not a platform!). There is no Barack Obama or Bill Clinton, and Bush is currently a bad word on the Romney campaign. There simply exists a fractured GOP composed of factions representing different eras of conservatism leaning on an aging Reagan-era base in danger of disappearing if it does not begin to appeal to the changing face of modern America.

This lack of unification, coupled with the Citizens United decision, has opened the door for candidates to be at the mercy of the Super PAC if they are not themselves an intriguing presence. As far as Karl Rove and American Crossroads go, they have harnessed the potential of having the same negative impact or greater on the Romney campaign as did the unchecked rhetoric of Sarah Palin that haunted the McCain camp with independent voters in 2008.

The bottom line is that Mitt Romney cannot control Karl Rove even if Rove is trying to help him win. Because Romney will be outspent by Super PACs in an inter-party battle to define the key issues of this election, the Rove message will inevitably become part of the Romney message. Sure it’s still early, but it’s definitely not a stretch to say that Rove will end up having a Palin-like effect on Romney’s bid this November. Maybe Rove can help Romney fire up a segment of the conservative base that Romney cannot reach, but in the end, Rove’s push to fire up the Republican on dated social issues, along with his desperate attempts to create a straw man version of Barack Obama, could seriously backfire for Romney with undecided voters seeking to further distance this country from Bush-era practices and policies. Unfortunately for Mitt Romney, the money is in the bank and continues to flow to Karl Rove’s and other similar groups, their ads are already hitting the tubes, and the end results will be telling of the true effect of Citizens United on those who fiercely advocated for the Super PAC system.