| Manuel Enrique Angel, 28, of El Salvador, poses in Houston Wednesday, Dec. 4, 2013. Angel made learning English his first priority upon arriving in Houston from his native El Salvador two years ago. He now speaks English clearly and deliberately and plans to apply for citizenship as soon as he becomes eligible later this year. He estimates it will take him up to eight months to save the money for the citizenship application. | 
     EDINBURG, Texas  
   (AP) -- Hilda Vasquez squirreled away the money for her U.S. 
citizenship application by selling batches of homemade tamales at South 
Texas offices. Carmen Zalazar picked up extra babysitting jobs at night 
after caring for kids all day in Houston.
The 
women scrimped and saved for months to pay for the $680 application, but
 for other applicants in the future, it might not be enough.
As
 President Barack Obama renews his quest for immigration reform, some 
proposals would impose fines of $2,000 on top of application fees, 
making the financial hurdles much taller for people who are here 
illegally.
"You have more rights when you are a
 citizen, like to vote," said Zalazar, a legal resident. As soon as she 
started a citizenship class, "I started to save because I knew otherwise
 it won't be possible."
The struggle is 
familiar to millions of immigrants. A 2012 survey by the Pew Hispanic 
Center showed that only 46 percent of Hispanic immigrants eligible to 
become citizens had done so. The top two reasons were lack of English 
skills and lack of money to pay for the application.
Manuel
 Enrique Angel made learning English his first priority upon arriving in
 Houston from his native El Salvador two years ago. He now speaks 
English clearly and deliberately and plans to apply for citizenship as 
soon as he becomes eligible later this year.
Trained
 as a lawyer in El Salvador, the 28-year-old works as a cook in a 
Houston burger joint. His wife, an American citizen, is a hair stylist. 
He estimates it will take him up to eight months to save the money for 
the citizenship application.
"It's really hard when you have to pay rent around $600, when you have car notes for $300 and $500," Angel said.
Republican
 supporters of the proposed fines say penalties are necessary to defend 
against any appearance that creating a pathway to citizenship amounts to
 amnesty.
Mark Krikorian, executive director 
of the Center for Immigration Studies, a Washington-based think tank 
that supports tighter immigration controls, said if immigrants who are 
in the country illegally are allowed to seek citizenship, they should 
have to pay the costs, which will increase if millions of applications 
need to be processed.
However, he said, the costs should not be so high that people can't afford them.
"It's stupid to price people out of the market," Krikorian said.
Angel
 plans to take advantage of a program at a Houston credit union that 
offers small low-interest loans specifically to help clients become 
citizens. The Promise Credit Union partners with Neighborhood Centers 
Inc., a nonprofit network of community centers in the Houston area that 
cater to immigrants.
Credit union President Randy Martinez said the program began as a pilot in 2012 and only officially started last fall.
"We
 don't want that to become an obstacle for them not to become citizens, 
just because they don't have the entire fee to pay," he said.
The
 credit union's $455 loans include $380 toward the citizenship process 
plus a $75 processing fee for the loan application. They carry a fixed 5
 percent interest rate for a 12-month term, so the monthly payments work
 out to about $38.
Applicants must contribute 
$300 of their own money. They are all pre-screened by the Neighborhood 
Centers legal team to make sure they qualify for citizenship and have 
all the necessary documentation.
The credit 
union has already discussed expanding the loans if Congress approves a 
reform package that offers people in the country illegally a costlier 
path to citizenship, Martinez said.
An 
immigration reform bill passed by the Senate in June did not set the 
costs of the proposed 13-year path to citizenship. Lawmakers left that 
up to U.S. Citizenship and Immigration Services, with the idea that fees
 would make the system self-sustaining.
While 
the fees remain unspecified, the Senate bill lays out penalties totaling
 $2,000 to be paid at various steps along the way. The legislation would
 create a new status called "registered provisional immigrant" and 
require anyone with that status to pay taxes.
During
 the 13-year wait, immigrants would be "working on the books, and you 
will hopefully be able to make a better income and be progressing in 
your life," said Ellen Battistelli, a policy analyst with the National 
Immigration Law Center, who has argued against making the process too 
costly.
"There are so many requirements and 
financial burdens, this is a very rigorous path to go," especially for 
low-wage workers, Battistelli said.
On 
Thursday, the House released its immigration-reform principles, which 
included no special path to citizenship for the 11 million people 
already in the U.S. illegally but would make those here illegally "pay 
significant fines and back taxes" to gain legal status.
In
 an interview with CNN broadcast Friday, the president signaled that he 
may consider legislation that does not offer a path to citizenship - a 
noticeable shift from his previous position, which was that it "doesn't 
make sense" to leave that aspect of immigration unresolved.
On
 Friday, Obama reiterated his preference for a concrete route to 
citizenship but said he doesn't want to "prejudge" what might land on 
his desk.
Vasquez and Zalazar, both legal residents in their 50s, did not have to work in the shadows, and both took citizenship classes.
During
 Zalazar's classs at the Baker-Ripley Community Center in Houston's 
diverse Gulfton neighborhood, 
teacher Crystal Gonzalez asked the class 
how much it cost to become a U.S. citizen. Several hands shot up.
"How many of you have $680 that you can spend tomorrow?" Gonzalez asked.
No hands, just a few nervous giggles and rubbing of temples.
"We're already telling people to start saving money with regard to the reform," Gonzalez said later. "We don't want people to be held back because they don't have the money."