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Even middle-income families in Massachusetts struggle to pay for college – The Boston Globe

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Even middle-income families in Massachusetts struggle to pay for college – The Boston Globe


“Gig work is a blessing to people like me,” Strouth said. Still, her son graduated with about $90,000 in student loans.

While college tuition is broadly affordable for the rich, who have the wherewithal to pay the bills, and many poor students qualify for significant financial aid, especially at the wealthiest schools and state institutions, it’s a calamity for those in the middle. They face stratospheric prices but aren’t likely to get much help from colleges or the government.

The sticker price for a year at a private college in Massachusetts now exceeds the annual salary of most middle-income earners in the state. College officials say only the wealthiest families pay the full amount, but for those earning $150,000 to $200,000, which is at the upper end of the middle income range in the Boston area, the expected yearly contribution is often north of $30,000 a year, and can be much higher depending on the school.

“What the college thinks you need and what you think you need are often very different figures,” said Shannon Barry Vasconcelos, a college finance coach with Bright Horizons, the child care provider that also advises families on educational matters, including college admissions. “It can be a problem for those families who fall in the middle.”

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New research from Phillip Levine at the Brookings Institution found price increases have made it especially difficult for families on the lower portion of the “higher-end of the income distribution,” Levine said in an interview.

“That is a range that has the most difficulty affording those increases,” Levine said. “They’re subject to the greatest extent of price increases, with income levels that can’t strongly support that.”

The high cost of living in Massachusetts also makes it hard for families to save when kids are young, as experts say they should. Day care costs are exorbitant, sometimes as much or even more than a year at the University of Massachusetts Amherst. College tuition and housing are costlier in the Northeast, too — families in the region spent an average of $33,668 on higher education last year, 20 percent more than the national average, according to a 2023 report from student loan provider Sallie Mae.

The Globe checked six popular universities’ online price calculators to see what each school would charge a hypothetical family of four earning $170,000 a year, the equivalent of two average public school teacher salaries, with a $600,000 home, roughly the average Massachusetts home value, and college savings of $20,000. The findings show they could expect to pay anywhere from $32,600 a year to attend Williams College to $45,800 a year for Boston College. UMass Amherst’s price, which falls in between, still costs close to $3,000 a month. And many families have more than one child to put through school.

To be sure, affording college can be even more challenging for some lower middle income and poor families, particularly if they attend colleges with less robust resources for aid. Financial aid for lower-income families is easier to come by at some of the most selective colleges, though, especially for strong students; those from households earning less than $85,000 a year do not pay anything at all to attend well-endowed schools in the region, including Harvard College. And last fall, Governor Maura Healey stepped in to help less affluent families afford public institutions; she expanded the state’s MASSGrant Plus program, which now covers tuition, fees, and books for students eligible for federal Pell Grants at public universities, and reduces the cost for middle-income families.

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Still, many middle- and upper middle-income families have fewer options and often find themselves resorting to large loans.

Although Strouth wishes she and her son did not have to turn to loans, especially private ones with high interest rates, Strouth, whose parents were Cornell University graduates who emphasized the importance of higher education, gets frustrated when she hears people say “you shouldn’t go to a school you can’t afford.”

“That really shouldn’t be the deciding factor,” Strouth said. “If your kid is fortunate enough to get into the school of their dreams, that you know is going to lead to more success, if you can just get through the next four years … as a parent, you need to figure it out.”

Laurie and Tom Stanley in Medford tried to plan, but looking back, they say, their efforts to save were almost laughable. They put away $30 a week — $10 per child — for future college costs while their three daughters were growing up, plus whatever else they could scrape together, ultimately saving $16,000 for each of their daughters’ college educations.

“We saved every single dime that we could,” said Laurie Stanley, a nurse at Beth Israel Deaconess Medical Center. “We collected bottles and cans, and we’d go weekly to the liquor store [to redeem them] … every penny we found, their birthday money — everything went into their education accounts.”

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Two of their daughters decided to live at home for college to save money and commute to the University of Massachusetts Boston and the University of Massachusetts Lowell.

“We wanted them to come out with good jobs, but with minimal or no loans,” Stanley said.

The couple, who are nearing retirement, have spent $100,000 on sending their youngest daughter, Emily, to a much more expensive school, Embry–Riddle Aeronautical University in Florida, to study aerospace engineering. They had to dip into their retirement savings to pull it off, said Tom Stanley, a teacher at Lynn Classical High School. Emily, who is currently working as a substitute teacher at her father’s school, recently applied to finish her studies at UMass Lowell while living at home.

“My only regret is the money,” she said. “As cool as it was to go to school out of state, it’s just too expensive.”

The Stanleys said they spoke with their kids candidly about the high costs of college — something families today are increasingly doing, compared to past generations, said Karen E. Van Voorhis, a financial planner based in Norwell.

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“It’s become much more of a collaborative process,” Van Voorhis said.

David Thibault-Muñoz, a Gardner resident who works at Mount Wachusett Community College, said his daughter took a practical approach in her college search. She enrolled at Framingham State last fall as a junior after completing a dual enrollment program in high school, graduating with an associate degree. The family is taking out loans to pay for the two years at Framingham State, which is about half the price of UMass Amherst, where she was also accepted.

“When a student graduates with a lot of debt, they’re several steps away from being able to save money to purchase a first car, to purchase a home,” Thibault-Muñoz said. “It’s harder for young people to get on their feet because they have this debt.”

Some Massachusetts parents continue to make big sacrifices to pay for college.

Juraci Capataz recently left a job she loves working for the Massachusetts attorney general’s office after just a year to earn a higher salary in the private sector so she can afford her son’s college tuition next year. Capataz, a Portuguese immigrant, said her son is hoping to study health care finance at the University of Connecticut next year, a program not offered at UMass.

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The family is still waiting to receive their FAFSA information, but Capataz is not expecting much aid beyond loans based on their six-figure income level. UConn currently charges $58,092 for out-of-state students.

Capataz hopes her son could qualify for a lower regional price for residents of the Northeast outside Connecticut in a couple years if he commits to the program, which is not available at UMass.

“We aren’t poor enough for financial aid, not rich enough to write out a check,” Capataz said. “If I didn’t have this opportunity of a job that happened to fall onto my lap, the stress would be so much more.”

Liz Polay-Wettengel’s oldest son is heading to college in the fall but she doesn’t yet know how they will pay for tuition.
Suzanne Kreiter/Globe Staff

Even families that seem to be doing pretty well financially are worried about paying for college. Liz Polay-Wettengel works in public relations, earning about $130,000 a year; her husband David’s job at Houghton Mifflin Harcourt pays $90,000. The reality, though, is that the cost of living in Greater Boston is high, and most of their money goes to paying the bills, she said, not luxuries, and they have a high debt load.

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They are still waiting for the financial aid information to come through, but they’re not likely to get much based on their salaries, Polay-Wettengel said. They’ve already decided they can’t afford one of their son’s top choices, Syracuse University, which posts a sticker price of $85,214 a year and has offered him no scholarships. Instead, he has committed to UMass Amherst, which will likely cost more than $140,000 over four years.

“We will figure it out somehow,” Polay-Wettengel said.


Hilary Burns can be reached at hilary.burns@globe.com. Follow her @Hilarysburns.





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Massachusetts

This week’s jobs report was messy, but it shows cracks in the economy as 2026 looms – The Boston Globe

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This week’s jobs report was messy, but it shows cracks in the economy as 2026 looms – The Boston Globe


“We anticipated that once the government reopened there would be a few months of noisy data, and we would not get a real sense of where the jobs market is until early 2026. That is exactly what we got,” Joseph Brusuelas, chief economist at corporate advisory firm RSM, wrote in a blog post.

Despite potential statistical distortions from the shutdown, the report underscored that private employers remained stuck in low-fire, low-hire mode in October and November, while unemployment reached the highest rate in four years. Wage growth has stalled.

The Federal Reserve cut interest rates last week, with most officials saying they were more worried about the job market falling apart than inflation heating up. Tuesday’s payroll numbers show their concerns weren’t unfounded:

  • The private sector added an average of 60,500 jobs in the past two months, extending a mostly anemic run of hiring, while the federal workforce declined by 168,000 as DOGE-related deferred resignations took effect.
  • The jobless rate crept up to 4.6 percent in November from 4.4 percent in September. (The Labor Department didn’t tally unemployment in October due to the 43-day shutdown.)
  • The number of people working part time because of economic conditions increased by more than 1 million, or 24 percent, over the past year.

“The labor market is showing growing fragility as firms grapple with uneven demand, elevated costs, [profit] margin pressure and persistent uncertainty,” economists Gregory Daco and Lydia Boussour said in note.

Here are some job trends I’ll be watching as we move into the new year.

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Just a few sectors are in hiring mode.

The economy is vulnerable to a downturn when job growth is limited to a few sectors.

Health care and social assistance accounted for most of the new jobs in November, with a smaller gain in construction.

The economically sensitive manufacturing and transportation-warehousing industries lost jobs, as did information and finance, two largely white-collar sectors that are important employers in Massachusetts. (State-level data for November will be published later this month.)

Layoffs are low but will that last?

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Employers are moving cautiously as they assess the impact of tariffs on their businesses, the direction of consumer spending, and whether artificial intelligence might allow them to operate with fewer workers.

Because the slowdown in hiring has yet to turn into a wave of firing, unemployment is relatively low by historical standards even after recent increases.

But there are concerning signs.

  • The unemployment rate among Black workers climbed to 8.3 percent last month from 6.4 percent a year earlier even as white unemployment was little changed. Black workers are often hit first when hiring slows or layoffs begin.
  • Similarly, the jobless rate for workers without a high school diploma has risen to 6.8 percent from 6 percent over the past year, and unemployment among 20-24 year olds is at its highest level (excluding the COVID shock) since 2015, the tail end of the long “jobless recovery” that followed the Great Recession.

Slack is building in the labor market.

The supply of workers is growing — surprising some economists who expected a decline amid the Trump administration’s immigration crackdown and aggressive deportation campaign.

With hiring on the decline, many people are idle or not working as many hours as they would like.

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The U-6 unemployment rate — a measure of labor-market slack that counts not only the officially unemployed, but also discouraged workers who’ve stopped looking and people stuck in part-time jobs who want full-time work — jumped to 8.7 percent in November from 8 percent in September. That’s the highest rate since early 2017 (excluding the COVID era).

How does the Fed react?

Last week, Fed chair Jerome Powell said the central bank’s quarter-point cut, plus two others since September, should be enough to shore up hiring while allowing inflation to resume falling toward officials’ 2 percent target.

Most Fed watchers don’t think the latest jobs report alters that view — for now — and are forecasting just two more rate cuts in 2026.

“The report contains enough softness to justify prior rate cuts, but it offers little support for significantly deeper easing ahead,” Kevin O’Neil at Brandywine Global, told Bloomberg.

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Final thought

Massachusetts, which has been shedding jobs this year, seems to be leading the way for the rest of the country.

Call me cautiously pessimistic: Things will get worse before they get better.


Larry Edelman can be reached at larry.edelman@globe.com.





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MIT professor Nuno F.G. Loureiro, a 47-year-old physicist and fusion scientist, shot and killed in his home in Brookline, Mass. | Fortune

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MIT professor Nuno F.G. Loureiro, a 47-year-old physicist and fusion scientist, shot and killed in his home in Brookline, Mass. | Fortune


A professor at the Massachusetts Institute of Technology was fatally shot at his home near Boston, and authorities said Tuesday they had launched a homicide investigation.

Nuno F.G. Loureiro, a 47-year-old physicist and fusion scientist, was shot Monday night at his home in Brookline, Massachusetts. He died at a local hospital on Tuesday, the Norfolk District Attorney’s Office said in a statement.

The prosecutor’s office said no suspects had been taken into custody as of Tuesday afternoon, and that its investigation was ongoing.

Loureiro, who joined MIT in 2016, was named last year to lead MIT’s Plasma Science and Fusion Center, where he aimed to advance clean energy technology and other research. The center, one of the school’s largest labs, had more than 250 people working across seven buildings when he took the helm.

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Loureiro, who was married, grew up in Viseu, in central Portugal, and studied in Lisbon before earning a doctorate in London, according to MIT. He was a researcher at an institute for nuclear fusion in Lisbon before joining MIT, it said.

“He shone a bright light as a mentor, friend, teacher, colleague and leader, and was universally admired for his articulate, compassionate manner,” Dennis Whyte, an engineering professor who previously led MIT’s Plasma Science and Fusion Center, told a campus publication.

The president of MIT, Sally Kornbluth, said in a statement that Loureiro’s death was a “shocking loss.”

The homicide investigation in Brookline comes as police in Providence, Rhode Island, about 50 miles away, continue to search for the gunman who killed two students and injured nine others at Brown University on Saturday. The FBI on Tuesday said it knew of no connection between the crimes.

A 22-year-old student at Boston University who lives near Loureiro’s apartment in Brookline told The Boston Globe she heard three loud noises Monday evening and feared it was gunfire. “I had never heard anything so loud, so I assumed they were gunshots,” Liv Schachner was quoted as saying. “It’s difficult to grasp. It just seems like it keeps happening.”

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Some of Loureiro’s students visited his home, an apartment in a three-story brick building, Tuesday afternoon to pay their respects, the Globe reported.

The U.S. ambassador to Portugal, John J. Arrigo, expressed his condolences in an online post that honored Loureiro for his leadership and contributions to science.

“It’s not hyperbole to say MIT is where you go to find solutions to humanity’s biggest problems,” Loureiro said when he was named to lead the plasma science lab last year. “Fusion energy will change the course of human history.”



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ICE agents are staking out local courthouses. As they’ve roamed the halls, Mass. court arrests tripled

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ICE agents are staking out local courthouses. As they’ve roamed the halls, Mass. court arrests tripled


Immigration enforcement agents have become a common fixture around courthouses in Massachusetts this year — plainclothes officers idle outside in black cars, chat with clerks and monitor hearings to find people to arrest.

While lawyers say U.S. Immigrations and Customs Enforcement has long apprehended immigrants at courthouses, the numbers have ballooned under the second Trump administration.

In the past, “You didn’t have a sense that immigration was always in the building. Now it’s like that’s the first thing you think about,” said public defender Antonio Vincenty.

The increased presence is not only in federal courts, but also at dozens of district courthouses in the state. Vincenty handles cases in East Boston, Chelsea and downtown Boston, and said he has had three clients arrested in court this year.

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“We want those that commit crimes to be punished. I don’t think any criminal lawyer feels differently,” Vincenty said. “But we want the system to work. We want the system to live up to its rules — to treat people with fairness, to treat people with justice and due process.”

Courthouse arrests in Massachusetts have surged nearly three-fold over Trump’s first nine months in office, according to ICE data compiled by the Deportation Data Project at the University of California Berkeley School of Law.

A WBUR analysis of the data found 386 arrests at 46 courts across the state — including 147 at the federal courthouse in Boston — from January through mid-October. That’s up from 131 over the same period last year under the Biden administration.

And the latest data is almost certainly an undercount. In East Boston, for instance, ICE recorded only six courthouse arrests, while lawyers and immigration advocates report having seen far more.

Suffolk County District Attorney Kevin Hayden said ICE activity has impacted hundreds of cases prosecuted by his office — noting instances in which defendants got detained during proceedings, as well as times when victims and witnesses were afraid to cooperate because of agents’ presence.

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“The ultimate concern is that it has a chilling effect on our ability to deliver public safety for victims and witnesses of crime,” Hayden said.

He acknowledged ICE has legal authority to operate in courts here, but, “Do I wish they would stay out of our courthouses?” he said. “Absolutely.”

“Do I wish they would stay out of our courthouses? … Absolutely.”

Suffolk County District Attorney Kevin Hayden

Assistance for ICE in East Boston

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With immigration enforcement mounting, the Massachusetts Trial Court released a policy in May on how court staff are to interact with ICE. Court officers must provide public information to agents when asked — as that information is available to the public — but they can’t initiate communication with ICE.

According to the court rules, agents can enter court lockups to take people into custody, but court staff cannot assist in, nor impede ICE arrests. That was put to the test on the afternoon of Nov. 21 in East Boston — in an alley behind the district court — after Alejandro Orrego Agudelo’s arraignment.

Video taken by an immigration advocate in East Boston and shared with WBUR showed Orrego on the ground — shirtless, barefoot and shackled. Orrego cried out for help as two agents in black hoodies and blue jeans struggled to control him.

A crowd began to form, and a court officer in a white shirt and court badge helped the agents subdue the 27-year-old. At one point, the officer helped shove him into the back of a black SUV.

A woman in the crowd shouted: “Where are you taking him? He was released in court.”

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One of the agents responded: “He needs to go to immigration court.”

Sandy Wright, a volunteer with the LUCE Immigrant Justice Network of Massachusetts, was off camera, challenging the second court officer: “Who do you work for? Are you Trial Court? I thought you’re not supposed to be cooperating with ICE.”

In the video, a second court officer stood before the crowd with her hand up, signaling the crowd to stop, and made a phone call: “This is East Boston district court, we need assistance from Boston Police Department. We have ICE here collecting somebody and we have a large crowd.”

Nine Boston police officers arrived on the scene that day. The police report said Orrego was “violently resisting the agent.” The video showed him struggling, with his hands and feet cuffed.

Orrego was in court facing charges that included assault and battery on a police officer and resisting arrest, as well as malicious destruction of property and disturbing the peace. He’d been arrested that morning after a neighbor called police to report an altercation with him. A communication with court officials shared with WBUR says ICE had a “detainer” to take him into custody.

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But the incident represented a violation of the Massachusetts Trial Court’s policy not to help in an ICE arrest, according to Trial Court spokeswoman Jennifer Donahue.

She said in a statement, “Measures are being taken to address this violation.”

Donahue said the East Boston incident prompted the Court’s security leadership to meet with court officers across the state to reinforce its policy to neither help nor impede ICE arrests. She would not say if anyone has been disciplined for the violation.

The Executive Office of the Trial Court declined requests to interview Chief Justice of the Trial Court Heidi Brieger, who oversees all departments, and Trial Court Administrator Thomas Ambrosino.

East Boston District Courthouse. (Jesse Costa/WBUR)

Some scoff at measures that limit collaboration between court staff and ICE.

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Retired ICE agent Albert Orlowski worked in immigration enforcement for more than two decades. He questioned how court officers could stand by while federal agents struggle to apprehend someone who’s resisting.

“Law enforcement agencies should cooperate with each other,” Orlowski said. “Assisting another officer — that’s called professional courtesy.”

The rationale for courthouse arrests is clear, Orlowski explained: It’s an obvious place to find people facing criminal charges, and it’s safer than most locations, as suspects typically have had to pass through metal detectors.

“It’s so much easier to arrest somebody from a courthouse — when they’re in a controlled environment — than it is to arrest somebody out on the street,” Orlowski said.

Spokespeople for Boston-area ICE and the Department of Homeland Security in Washington D.C. did not respond to requests for comment.

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Evading ICE at courthouses

In a separate incident at East Boston District Court in late November, an 18-year-old high school student appeared for a summons. WBUR is referring to him by his middle name, Josué, as he fears retaliation by ICE.

Josué said the judge first heard the cases of non-Latinos, then called matters involving Latinos, all of whom spoke Spanish and required an interpreter. That’s when ICE agents showed up.

Local advocates outside the courthouse that day said ICE arrested at least two people during the proceedings. Josué said as he waited for his case to be called, he could hear the commotion and it was clear people were being grabbed as they left the court. He said he was afraid the agents would arrest him.

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“For sure,” he said in Spanish. “But thank God, no.”

Josué said he’s undocumented and has been in the U.S. since he was 15.

When he walked out of the courthouse, Josué said the agents were distracted detaining someone else, and he managed to get into a car waiting around the block. Now he’s trying to keep his head down — he wants to finish high school, and not think too much about getting sent back to Honduras.

“God willing, that won’t happen,” he said.

ICE reported the highest number of Massachusetts district court arrests in Lynn, Woburn, Framingham and Waltham. At the Waltham District Court, west of Boston, an auto repair shop has a front row seat on the action.

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Manuel Arias owns the shop across from the courthouse. He recounted seeing at least a dozen ICE arrests over the last few months as people left in cars or on foot. Arias said his staff filmed a number of the arrests, but they’ve become so commonplace that the mechanics stopped taking video.

“The way people have been grabbed has been savage,” Arias said in Spanish. Often, multiple agents grabbed a single person, he said.

In one case, a man bolted from the courthouse, he recalled, then ran across a busy intersection and got away.

Video from Arias, reviewed by WBUR, showed an agent giving chase, then giving up after the man jumps over a guardrail.

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Calls for more restrictions on ICE activity in courthouses

In front of the Waltham courthouse steps, there are signs taped to lampposts: “ICE took our neighbor from this spot.”

“Unfortunately our courthouse has become an ICE trap,” said Jonathan Paz, founder of a group called Fuerza Community Defense Network, which monitors ICE activity in the city.

The group’s volunteers have witnessed dozens of ICE arrests in Waltham, Paz said. And in his view, the court system is bolstering the work of agents.

“Why [are] our taxpayer dollars, here in Massachusetts, being used to facilitate and better carry out these arrests in our courthouse?” Paz said.

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“It’s remarkable to see just how complicit this whole system is.”

A poster from the Fuerza Community Defense Network on a telephone outside of Waltham District Court warning people of the potential presence of ICE at the courthouse. (Jesse Costa/WBUR)
A poster from the Fuerza Community Defense Network on a telephone outside of Waltham District Court warning people of the potential presence of ICE at the courthouse. (Jesse Costa/WBUR)

This week, the 32-year-old Waltham resident announced he’s running for Congress. He’s among those calling on the state to put more limits on ICE activity at courthouses.

Paz said he’s waiting for the Trial Court — or the Legislature, or the governor or the attorney general — to keep ICE from interfering with people’s legal proceedings. They can’t stop agents from being on court property, but they can take steps to help people have their day in court without fear of being arrested.

ICE’s policy on courthouse arrests dictates that agents must observe local laws. Some states require agents to present judicial warrants; Massachusetts requires only a form known as a detainer, signed by an ICE officer.

State Sen. Lydia Edwards, of East Boston, co-chairs the Legislature’s judiciary committee. She said she’s in contact with court officials about the spate of ICE arrests, and is considering whether to propose rules requiring agents to present a warrant signed by a judge. A similar initiative was recently enacted in Illinois, as well as in Connecticut.

“While we require a civil detainer, I think it’s worth us talking to the courts about what it means to require a judicial warrant,” Edwards said.

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Edwards said any solution — even a state law — should have buy-in from court officials if it’s going to be properly implemented.

Another suggestion, she said, is to broaden access to remote hearings. Not having to go to a courthouse means ICE can’t arrest you there.

“I would love nothing more than for our courts to be a welcoming, safe place for justice, regardless of your immigration status,” she said. “That’s what I want.”

WBUR’s Patrick Madden contributed to this story.





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