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Tag: education departments

  • What happens if you don’t pay your student loans? | CNN Politics

    What happens if you don’t pay your student loans? | CNN Politics

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    Washington
    CNN
     — 

    Student loan payments are due in October for the first time in three-plus years – but for the next 12 months, borrowers will be able to skip payments without facing the harsh financial consequences of defaulting on their loans.

    The Biden administration is providing what it’s called an “on-ramp period” until September 30, 2024. During that time, a borrower won’t be reported as being in default to the national credit rating agencies, which can damage a person’s credit score.

    Think of it as a grace period for missed payments. But interest will still accrue, so borrowers aren’t off the hook entirely.

    Here’s what borrowers need to know:

    Any federal student loan borrower who was eligible for the pandemic-related payment pause, which took effect in March 2020, is eligible for the “on-ramp” period. That includes borrowers with federal Direct Loans, Federal Family Education Loans and Perkins Loans held by the Department of Education.

    Borrowers don’t need to apply for the benefit.

    Normally, a federal student loan becomes delinquent the first day after a payment is missed. Loan servicers will report the delinquency to the three national credit bureaus if a payment is not made within 90 days.

    A loan goes into default after a borrower fails to make a payment for at least 270 days, or about nine months, which can result in further financial consequences.

    A default can further damage your credit score, making it harder to buy a car or house. It could take years to establish good credit again. Borrowers could also see their federal tax refund or even a portion of their paycheck withheld.

    Once in default, the borrower can no longer receive deferment or forbearance and would lose eligibility for additional federal student aid. At that point, the loan holder can also take the borrower to court.

    Because the pandemic payment pause has ended, interest restarted accruing on September 1 after interest rates were effectively set to 0% for three-plus years.

    That means if a borrower misses a payment now, he or she could end up owing more debt over time due to interest.

    As interest builds up, a borrower’s loan servicer may also increase monthly payment amounts to ensure the debt is paid off on time. (This won’t happen to borrowers enrolled in income-driven plans, which calculate payments based on income and family size.)

    And unlike during the pause, a missed payment means that a borrower will miss out on a month’s worth of credit toward student loan forgiveness under certain repayment plans.

    For borrowers enrolled in the Public Service Loan Forgiveness program, for example, each month during the pause still counted toward the 120 monthly payments required to be eligible for debt forgiveness.

    Before missing a payment, it might be worth considering switching into an income-driven repayment plan that could lower monthly payments.

    A new income-driven repayment plan launched this summer, called SAVE (Saving on a Valuable Education), offers the most generous terms and will likely offer the smallest monthly payment for lower-income borrowers.

    Under SAVE, a single borrower earning $32,800 or less or a borrower with a family of four earning $67,500 or less will see their payments set at $0.

    Borrowers can apply for a new repayment plan whenever they want, for free, but should allow at least four weeks for the change to take effect.

    Borrowers who fell into default before the pandemic pause started in March 2020 can apply for the Department of Education’s “Fresh Start” program.

    If borrowers use Fresh Start to get out of default, their loans will automatically be transferred from the Department of Education’s Default Resolution Group to a loan servicer and returned to an “in repayment” status, and the default will be removed from their credit report.

    To claim these benefits, log in to myeddebt.ed.gov or call 800-621-3115. The process should take about 10 minutes, according to the Department of Education.

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  • Florida’s feud with the College Board’s AP Psychology course explained | CNN

    Florida’s feud with the College Board’s AP Psychology course explained | CNN

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    CNN
     — 

    A long-simmering feud between the College Board, the non-profit that administers Advanced Placement courses, and Florida’s Department of Education became public this week, as officials argued over whether the Advanced Placement Psychology course could be taught in Florida without breaking state laws.

    In Florida, students are prohibited from learning about sexual orientation or gender identity in the classroom.

    But the College Board says these lessons are a core component of the AP Psychology course and have refused to change the curriculum.

    On Thursday, the College Board announced that unless AP Psychology is taught in its entirety – including lessons on sexuality and gender – “the “AP Psychology” designation cannot be utilized on student transcripts.”

    The future of the course appeared to be in jeopardy until, late Friday, Florida Education Commissioner Manny Diaz, Jr., informed school superintendents that students will be able to take the class “in its entirety” but only if the course is taught “in a manner that is age and developmentally appropriate.”

    The public scuffle over the AP Psychology course is just the latest installment in an ongoing feud between the College Board and Florida education officials over what subjects can be taught in the state’s classrooms. Let’s discuss how we got here.

    In July, a new law came into effect in Florida that banned classroom instruction on sexual orientation or gender identity for students in pre-K through the 8th grade. For high school students, instruction must be “according to state standards,” the Board of Education said.

    But over the last year, Florida’s education officials have amended state standards to effectively ban all students from learning about sexual orientation and gender identity.

    The changes are in line with Gov. Ron DeSantis’ vow to eradicate so-called “woke” gender ideology from Florida’s classrooms.

    In 2022, the governor signed a bill titled “Parental Rights in Education,” which prohibited discussion of gender and sexuality issues in kindergarten through third grade. The bill also gave parents the right to take legal action if a school violates the law. DeSantis has since amended the law to prohibit instruction on sexuality and gender from pre-K through the eighth grade.

    The governor has said he believes parents should “have a fundamental role in the education, health care and well-being of their children.”

    Supporters say the bill allows parents to decide when to talk to their children about LGBTQ+ topics instead of the schools. But critics have dubbed it the “Don’t Say Gay” law and say it will further marginalize LGBTQ+ students.

    The College Board’s AP Psychology course is organized into nine units of study. The unit on developmental psychology includes lessons on gender and sexual orientation.

    According to the College Board, the course asks students to “describe how sex and gender influence socialization and other aspects of development.”

    These lessons are now considered illegal under Florida law.

    In June, Board of Education officials sent a letter to the College Board requesting the non-profit “conduct a thorough review” of all Advanced Placement courses to ensure they were compliant with Florida law.

    In a statement, the College Board equated the request to censorship.

    “(We) will not modify our courses to accommodate restrictions on teaching essential, college-level topics. Doing so would break the fundamental promise of AP: colleges wouldn’t broadly accept that course for credit and that course wouldn’t prepare students for careers in the discipline,” the non-profit said.

    Advanced Placement courses are standardized to ensure students who pass the final exam can transfer college credits to participating colleges and universities nationwide. The College Board has said all required topics, including sexual orientation and gender identity, must be included for the course to be designated advanced placement and count toward college credit.

    This isn’t the first time the College Board has sparred with the Florida Board of Education over what can be taught in Advanced Placement classes.

    Earlier this year, DeSantis rejected the non-profit’s AP African American Studies course because it included lessons on reparations, Black queer studies, and the Movement for Black Lives.

    The College Board initially attempted to revise the course framework, but the decision sparked outrage among academics and activists who said students should learn the “full history” of the Black experience in America.

    “We have learned from our mistakes in the recent rollout of AP African American Studies and know that we must be clear from the outset where we stand,” the non-profit later said in a statement.

    With days to go until students return to school, the College Board announced it would not remove AP Psychology lessons on gender identity and sexual orientation. Instead, the non-profit advised school districts to “not to offer AP Psychology until Florida reverses their decision and allows parents and students to choose to take the full course.”

    Florida education officials responded by accusing the non-profit of “hurting Florida students.”

    It is unclear how the state’s directive to teach the course “in a manner that is age and developmentally appropriate,” will be enforced.

    “AP Psychology is and will remain in the course directory making it available to Florida students,” Diaz said in a statement.

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  • How Biden’s SAVE student loan repayment plan can lower your bill | CNN Politics

    How Biden’s SAVE student loan repayment plan can lower your bill | CNN Politics

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    Washington
    CNN
     — 

    While the Supreme Court struck down President Joe Biden’s student loan forgiveness program in late June, a separate and significant change to the federal student loan system is moving ahead.

    Eligible borrowers can now enroll in a new income-driven repayment plan that could lower their monthly bills and reduce the amount they pay back over the lifetime of their loans.

    If borrowers apply this summer, the changes to their bills would take effect before payments resume in October after the yearslong pandemic pause.

    Once the plan, which Biden is calling SAVE (Saving on a Valuable Education), is fully phased in next year, some people will see their monthly bills cut in half and remaining debt canceled after making at least 10 years of payments.

    Unlike Biden’s blocked one-time forgiveness program, the new repayment plan will provide benefits for both current and future borrowers who sign up for it.

    But the benefits will come at a cost to the government. Estimates vary, depending on how many borrowers end up enrolling in the plan, ranging from $138 billion to $475 billion over 10 years. As a comparison, Biden’s student loan forgiveness program was expected to cost about $400 billion.

    The SAVE repayment plan has gone through a formal rulemaking process at the Department of Education. The agency has previously created several other income-driven repayment plans in the same manner without facing a successful legal challenge.

    Some parts of the SAVE plan will be implemented this summer and others will take effect in July 2024. Here’s what borrowers need to know.

    Currently, there are several different kinds of income-driven repayment plans for borrowers with federal student loans. The new SAVE plan will essentially replace one of those, known as REPAYE (Revised Pay As You Earn), while the others are phased out for new borrowers.

    Under these plans, payments are based on a borrower’s income and family size, regardless of how much outstanding student debt is owed.

    There is also a forgiveness component. After making at least 10 years of payments, a borrower’s remaining balance is wiped away.

    Borrowers must have federally held student loans to qualify for the SAVE repayment plan. These include Direct subsidized, unsubsidized and consolidated loans, as well as PLUS loans made to graduate students.

    Parents who took out a federal PLUS loan to help their child pay for college are not eligible for the new repayment plan.

    Borrowers with Federal Family Education Loans, known as FFEL, or Perkins Loans that are held by a commercial lender rather than the government will need to consolidate into a Direct loan in order to qualify.

    Private student loans do not qualify for the new SAVE repayment plan or any other federal repayment plan.

    Borrowers can apply for the SAVE plan by submitting a recently updated application for income-driven repayment plans found here.

    The application may be available intermittently during an initial beta testing period, according to the Department of Education. If the application is not available, try again later.

    Applications submitted during the beta period will not need to be resubmitted once a full website launches later this summer.

    Borrowers can expect to receive an email confirmation after applying.

    People who are already enrolled in the REPAYE repayment plan will be automatically switched to the SAVE plan.

    Borrowers can log in to StudentAid.gov and go to their My Aid page to see what repayment plan they are enrolled in.

    The Department of Education says that it will process applications submitted this summer before payments resume in October.

    “It may take your servicer a few weeks to process your request, because they will need to obtain documentation of your income and family size,” according to the department’s website.

    Under the SAVE plan, monthly payments can be as small as $0.

    Other income-driven repayment plans already offer a $0 monthly payment for some borrowers. But the new SAVE plan lowers the qualifying threshold.

    A single borrower earning $32,800 or less or a borrower with a family of four earning $67,500 or less will see their payments set at $0 if enrolled in SAVE.

    Increase in protected income threshold: Like in existing income-driven repayment plans, a borrower’s discretionary income, generally what’s left after paying for necessities like housing, food and clothing, will be shielded from student loan payments.

    The new SAVE plan recalculates discretionary income so that it’s equal to the difference between a borrower’s adjusted gross income and 225% of the poverty level. Existing income-driven plans calculate discretionary income as the difference between income and 150% of the poverty level.

    This change will result in lower payments for borrowers.

    Interest limit: Under the new payment plan, unpaid interest will not accrue if a borrower makes a full monthly payment.

    That means that a borrower’s balance won’t increase even if the monthly payment doesn’t cover the monthly interest. For example: If $50 in interest accumulates each month and a borrower has a $30 payment, the remaining $20 would not be charged.

    Lower payments for married borrowers: Married borrowers who file their taxes separately will no longer be required to include their spouse’s income in their payment calculation for SAVE. This could lower monthly payments for two-income households.

    Automatic recertification: Borrowers will now be able to allow the Department of Education to access their latest tax return. This will make the application process easier because borrowers won’t have to manually provide income or family size information. It will also allow the department to automatically recertify borrowers for the payment plan on an annual basis.

    Cut payments in half: Payments on loans borrowed for undergraduate school will be reduced from 10% to 5% of discretionary income.

    Borrowers who have loans from both undergraduate and graduate school will pay a weighted average of between 5% and 10% of their income based upon the original principal balances of their loans.

    For example, a borrower with $20,000 from their undergraduate education and $60,000 from graduate school will pay 8.75% of their income, according to a fact sheet provided by the Biden administration.

    Shorter time to forgiveness: Currently, borrowers who pay for 20 or 25 years under an income-driven repayment plan will see their remaining balance wiped away.

    Under the new SAVE plan, those who borrowed $12,000 or less will see their debt forgiven after paying for just 10 years. Every additional $1,000 borrowed above that amount would add one year of monthly payments to the required time a borrower must pay.

    Borrowers who consolidate their loans will receive partial credit for their previous payments toward forgiveness.

    Borrowers will also automatically receive credit toward forgiveness for certain periods of deferment and forbearance, as well be given the option to make additional “catch-up” payments to get credit for all other periods of deferment or forbearance.

    Automatically enroll struggling borrowers: Borrowers who are 75 days late on their payments will be automatically enrolled in the best income-driven plan for them, as long as they have agreed to allow the Department of Education to securely access their tax information.

    This story has been updated with additional information.

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  • Biden’s student loan policies continue to face legal challenges | CNN Politics

    Biden’s student loan policies continue to face legal challenges | CNN Politics

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    CNN
     — 

    Legal challenges are continuing to target some of President Joe Biden’s student loan policies.

    While the president’s major student loan forgiveness program was blocked by the Supreme Court in late June, the Biden administration is also facing lawsuits over some of its other policy changes aimed at making it easier for borrowers to pay back their loans.

    On Monday, the US 5th Circuit Court of Appeals temporarily blocked new provisions that were meant to be implemented in July, which would make it easier for borrowers to get their debts erased when they’re misled or defrauded by their college under a rule known as borrower defense to repayment.

    The rule has been in place for decades. But the lawsuit targets new provisions – including one allowing for automatic debt discharges a year after a college’s closure date and another that bans colleges from requiring borrowers to agree to mandatory arbitration – which are now blocked.

    The emergency injunction request was made by Career Colleges and Schools of Texas, a group of for-profit universities. The appeals court order did not explain the reasoning for the decision but said that the case will be heard on November 6.

    Student loan borrowers may still submit applications for debt relief under the borrower defense rule during this time, but the Department of Education “will not adjudicate or process affected applications under the new regulations while the court’s order is in place,” according to the agency’s website.

    Aaron Ament, president of the nonprofit National Student Legal Defense Network, warned that “countless students are at risk of being taken advantage of by higher ed profiteers” until the protections are restored.

    Meanwhile, in a separate lawsuit filed last week, two conservative groups sued to stop the Biden administration from carrying out a one-time adjustment to some borrowers’ accounts, which was aimed at more accurately counting certain payments made previously under an income-driven repayment plan.

    These plans calculate payments based on a borrower’s income and family size – regardless of the person’s total outstanding debt. Generally, they lower monthly payments to help borrowers avoid defaulting on their loans and wipe away remaining balances after qualifying payments are made for 20 to 25 years.

    What the administration has referred to as “fixes” are expected to result in the cancellation of $39 billion worth of federal student loan debt for 804,000 borrowers, according to the Department of Education.

    The lawsuit, which was filed by the New Civil Liberties Alliance on behalf of the conservative groups Cato Institute and the Mackinac Center for Public Policy, argues that one-time adjustment “is substantively and procedurally unlawful” – similar, it says, to the broader student loan forgiveness program struck down by the Supreme Court.

    The Department of Education announced in July – weeks after the other forgiveness program was blocked – that it would begin to notify the 804,000 borrowers of their forthcoming debt cancellation.

    But the one-time adjustment had been planned for more than a year. First announced in April 2022, the move was meant to help borrowers whose payments were miscounted and were already eligible for debt relief under an income-driven repayment plan.

    The changes followed a Government Accountability Office report that found that the Department of Education had trouble tracking borrowers’ payments and hadn’t done enough to ensure that all eligible borrowers receive the forgiveness to which they are entitled. In fact, 7,700 loans in repayment, or about 11% of loans analyzed, could have potentially already been eligible for forgiveness.

    In a statement sent to CNN, the Department of Education said the lawsuit “is nothing but a desperate attempt from right wing special interests to keep hundreds of thousands of borrowers in debt, even though these borrowers have earned the forgiveness that is promised through income-driven repayment plans.”

    This latest legal challenge does not appear to immediately impact the Biden administration’s new income-driven repayment plan known as SAVE (Saving on a Valuable Education), which launched last week.

    Once the SAVE plan is fully phased in, which is expected to happen next year, some borrowers could see their monthly bills cut in half and remaining debt canceled after making at least 10 years of payments.

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  • Florida teacher says she is under investigation after showing 5th grade class Disney movie with gay character | CNN

    Florida teacher says she is under investigation after showing 5th grade class Disney movie with gay character | CNN

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    CNN
     — 

    A fifth-grade teacher said she is being investigated by the Florida Department of Education after she showed her students “Strange World,” a 2022 animated Disney movie featuring a character who is biracial and gay.

    Jenna Barbee is a teacher in Hernando County’s Winding Waters K-8 school. “I am the teacher that’s under investigation with the Florida Department of Education for indoctrination for showing a Disney movie,” Barbee said in a TikTok post over the weekend.

    In the post, Barbee explained she played the Disney movie to a class which was partially full after a day of standardized testing. She also said she had previously-signed permission slips from all the parents, allowing the students to watch a movie rated PG.

    According to Barbee, a parent then complained and reported her to the state Department of Education.

    The parent who reported her, who is also a member of the Hernando County School District Board, complained to the principal about the movie not being appropriate for students, according to Karen Jordan, spokesperson for Hernando County Schools. Jordan also provided CNN with a copy of the announcement from the school district to parents.

    “Yesterday, the Disney movie ‘Strange World’ was shown in your child’s classroom,” the school district said. “While not the main plot of the movie, parts of the story involves a male character having and expressing feelings for another male character. In the future, this movie will not be shown. The school administration and the district’s Professional Standards Dept is currently reviewing the matter to see if further corrective action is required.”

    The complaint is part of Florida’s controversial legislation, signed last year by Gov. Ron DeSantis, banning certain instruction about sexual orientation and gender identity in the classroom. DeSantis and other supporters pushed the measure as a form of “parental rights,” while opponents said it tried to erase LGBTQ people from schools and dubbed the law “Don’t Say Gay.”

    The law initially banned instruction on sexual orientation or gender identity from kindergarten through third grade or in a way deemed not age-appropriate for all other grades, but it has since been expanded to limit such information all through high school. Teachers who violate the state policy can be suspended or have their teaching licenses revoked.

    Disney was among those who spoke out against the law last year, spurring DeSantis and Florida Republicans to retaliate against the entertainment company by targeting their control over the land in and around its theme parks.

    The animated film “Strange World,” released last year, told the story of a family of explorers and starred the voices of Jake Gyllenhaal, Dennis Quaid and Lucy Liu. The movie also featured Disney’s first-ever out-gay character, voiced by comedian Jaboukie Young-White.

    On May 9, Barbee addressed the school board members during public comment at a meeting. In attendance was the parent who had complained, school board member Shannon Rodriguez, she acknowledged during the meeting.

    “A school board member, an elected official of power, who was supposed to be nonpartisan, is allowed to present to the public that she is Christian and that God appointed her to the board. And yet it is indoctrinated that I showed a Disney movie. I’m a first-year teacher,” said Barbee.

    The teacher told district board members the movie was in no way sexual and was tied to the current lesson plan of the environment and ecosystems.

    Barbee claimed in the meeting Rodriguez “came to my school took me away from my students to tell me how bad and wrong I was.”

    At the end of the school board meeting, Rodriguez said she called the state department of education regarding the incident, which prompted the state investigation. She said her daughter is in Barbee’s class.

    She said at the district meeting Barbee broke school policy because she did not get the specific movie approved by school administration and said the teacher is “playing the victim.”

    “It is not a teacher’s job to impose their beliefs upon a child: religious, sexual orientation, gender identity, any of the above. But allowing movies such as this assist teachers in opening a door, and please hear me, they assist teachers in opening a door for conversations that have no place in our classrooms,” Rodriguez said.

    Rodriguez said “as a leader in this community, I’m not going to stand by and allow this minority to infiltrate our schools … God did put me here,” she said.

    CNN has reached out to Rodriguez and Hernando County School District and the Florida Department of Education for comment.

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  • Biden administration releases data breaking down student loan relief applications by congressional district | CNN Politics

    Biden administration releases data breaking down student loan relief applications by congressional district | CNN Politics

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    CNN
     — 

    The Department of Education released a breakdown of federal student loan forgiveness applications by congressional district on Friday, providing a new window into the demographics of borrowers seeking relief across both Republican and Democratic-represented districts.

    The new data is being released as the fate of President Joe Biden’s debt relief plan remains in limbo, with the US Supreme Court set to soon hear cases challenging its legality later this month. The initiative would offer up to $20,000 of individual debt forgiveness to millions of low- and middle-income borrowers, but ongoing legal challenges have meant that no one has received relief – including millions of borrowers whose applications have already been approved.

    The White House says the plan is vital in order to provide targeted debt relief to certain federal student-loan borrowers affected by the Covid-19 pandemic. But many Republicans say that the relief will make inflation worse and argue it’s unfair to individuals who didn’t take out student loans or have already paid them off. They’ve also criticized the administration’s legal justification for issuing the relief through executive authority.

    The Department of Education received about 26 million applications for debt relief by the time a federal district court judge blocked the program in November. More than 16 million of those borrowers’ applications were fully approved and more than 40 million borrowers would qualify for the program, according to the administration.

    “Across the country, in every congressional district there is a strong desire for the Biden-Harris Administration’s one-time debt relief program,” a Department of Education official said about the new data. “In every single congressional district, at least half of eligible borrowers either applied or were deemed auto-eligible for debt relief, and that was only in the one month that the application was available before the program got blocked because of lawsuits.”

    In every congressional district, the official said, at least 30% of eligible borrowers were approved to have their debt discharged before the program was blocked. Some 81% of all applications for relief came from the bottom 80% of congressional districts when broken down by average income, the official added.

    A new Politico analysis of additional zip code data from the department obtained though a public records request also shows that borrowers living in lower-income areas applied for relief at a higher rate compared to those who live in wealthier neighborhoods, and most applications came from places where the per-capita income is under $35,000. Non-White majority zip codes accounted for more forgiveness applications per capita than majority-White zip codes.

    Friday’s data build on earlier numbers released by the Department of Education which showed a state-by-state breakdown of student loan forgiveness applications, which were published shortly after independent auditors questioned the estimated cost of the program.

    The the latest release coincides with the Supreme Court planning to hear two cases pertaining to Biden’s student loan forgiveness program later this month, including one from several Republican-led states.

    Nebraska, Missouri, Arkansas, Iowa, Kansas and South Carolina say that the Department of Education did not have the legal authority to issue such a cancellation. They argue that it violates the separation of powers and that Biden is using the pandemic as a pretext to mask his true goal of fulfilling a campaign promise to erase student-loan debt.

    They put forward several theories that they say allow them to get into court to challenge a program they argue unlawfully invokes Covid “to assert power beyond anything Congress could have conceived.”

    Another case being heard by the high court this month was brought by two individual borrowers – Myra Brown and Alexander Taylor – who are not qualified for full debt relief forgiveness and who say they were denied an opportunity to comment on Education Secretary Miguel Cardona’s decision to provide targeted student loan debt relief to some.

    Earlier this month, 126 House Republicans – led by Education and the Workforce Committee Chairwoman Virginia Foxx of North Carolina and South Carolina Rep. Jeff Duncan – filed an amicus brief opposing the debt forgiveness effort.

    According to the White House data, in Foxx’s district, approximately 61% of borrowers, some 46,300 people, applied or were automatically eligible for relief. In Duncan’s district, about 59% of borrowers, 51,400 people, applied or were automatically eligible for relief.

    A number of members in Republican leadership, including Majority Leader Steve Scalise, Majority Whip Tom Emmer, Conference Chair Elise Stefanik and Policy Committee Chair Gary Palmer also signed onto the brief.

    House Speaker Kevin McCarthy did not sign onto the brief, but he has been critical of the president’s plan.

    McCarthy’s home state of California, the most populous state in the nation, has 2.3 million people who have applied or were automatically eligible for relief – the most out of any state. Approximately 60% of borrowers in the speaker’s district applied or were automatically eligible for relief, with 31,600 borrowers already fully approved for relief out of 49,800 who have applied or were automatically eligible.

    Representatives for Foxx, Duncan, Scalise, Emmer, Stefanik, Palmer and McCarthy did not respond to CNN’s request for comment on the new data.

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  • College Board hits back at Florida’s initial rejection of AP African American Studies course and admits it made mistakes in rollout | CNN

    College Board hits back at Florida’s initial rejection of AP African American Studies course and admits it made mistakes in rollout | CNN

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    CNN
     — 

    The testing organization behind a new college-level African American studies course for high schoolers is hitting back at Florida officials’ comments about the Advanced Placement class, accusing the state Education Department of “slander” and spreading misinformation about it for political gain.

    The College Board also admitted it “made mistakes in the rollout” of the course framework “that are being exploited,” according to a lengthy statement published Saturday. And it disputed how Florida officials – who have asked that the course be resubmitted for consideration after initially rejecting it – have characterized their dialogue and influence with the testing non-profit.

    “There is always debate about the content of a new AP course. That is good and healthy; these courses matter. But the dialogue surrounding AP African American Studies has moved from healthy debate to misinformation,” the statement said, citing the administration of Florida GOP Gov. Ron DeSantis, a potential front-runner for the 2024 Republican presidential nomination.

    “We deeply regret not immediately denouncing the Florida Department of Education’s slander, magnified by the DeSantis administration’s subsequent comments, that African American Studies ‘lacks educational value,’” it said. “Our failure to raise our voice betrayed Black scholars everywhere and those who have long toiled to build this remarkable field.”

    The College Board’s statement comes after the Florida Education Department asserted the AP African American Studies course “lacks educational value” and violates state law amid a national debate over how topics like racism and history are taught in public schools. Under DeSantis, Florida has banned the teaching of critical race theory and passed new legislation barring instruction that suggests anyone is privileged or oppressed based on their race or skin color.

    DeSantis last month said the state was rejecting the course because it imposed a “political agenda,” with a preliminary framework that included the study of “queer theory” and political movements that advocate for “abolishing prisons.”

    “That’s the wrong side of the line for Florida standards,” the governor said at a news conference. “We believe in teaching kids facts and how to think, but we don’t believe they should have an agenda imposed on them when you try to use Black history to shoehorn in queer theory, you are clearly trying to use that for political purposes.”

    DeSantis doubled down Monday in response to a reporter’s question about the College Board’s statement.

    “Our Department of Education looked at that and said: In Florida, we do education not indoctrination, and so that runs afoul of our standards,” he said at a news conference in Naples. “We were just the only ones that had the backbone to stand up and do it – because they call you names and they demagogue you when you do it.

    “But look, I’m so sick of people not doing what’s right because they’re worried that people are going to call them names. We’re doing what’s right here.”

    The state Education Department had concerns about six topics of study in the yearlong course, such as the Movement for Black Lives, Black feminism and reparations, it earlier told CNN. Many of the objections were tied to the inclusion of texts from modern Black thought leaders and history teachers, whose writings the DeSantis administration believes violate state laws, it said.

    The College Board later released the official framework for the course with many of the topics DeSantis objected to removed. Under the official framework, students can study those topics as part of a required research project.

    The Florida Education Department last week said it had met several times and exchanged emails over months with the College Board to discuss the course and was “grateful” to see the changes, according to a letter it wrote to the testing organization. The department asked the board to resubmit the class for consideration and indicated it had not yet decided whether to approve it.

    The College Board, however, denied that characterization of the exchanges, calling it “a false and politically motivated charge,” according to its statement Saturday.

    “In Florida’s effort to engineer a political win, they have claimed credit for the specific changes we made to the official framework,” the College Board said. “In their February 7, 2023, letter to us, which they leaked to the media within hours of sending, Florida expresses gratitude for the removal of 19 topics, none of which they ever asked us to remove, and most of which remain in the official framework.”

    The College Board reached out to Florida officials for details about how the proposed course framework violated state law but didn’t receive any of that information in subsequent phone calls with the department, the testing organization said.

    “These phone calls with FDOE were absent of substance, despite the audacious claims of influence FDOE is now making,” the College Board’s statement reads. “In the discussion, they did not offer feedback but instead asked vague, uninformed questions like, ‘What does the word ‘intersectionality’ mean?’ and ‘Does the course promote Black Panther thinking?’”

    “We had no negotiations about the content of this course with Florida or any other state, nor did we receive any requests, suggestions, or feedback,” the statement said.

    In the wake of the debate, Florida’s relationship with the College Board – which also administers the SAT college admissions test – may change, DeSantis said Monday.

    “I think the legislature is going to look to reevaluate, kind of, how Florida” selects vendors for college-credit courses, he said. “Of course, our universities can or can’t accept College Board courses for credit, and maybe they’ll do others.

    “And then also just whether our universities do the SATs versus the ACT. I think they do both, but we’re gonna evaluate kind of how all that, that process goes. But at the end of the day, we highlighted things that were very problematic.”

    The College Board stressed its commitment to AP African American Studies is “unwavering” and admitted it should have spoken up sooner to counter statements from Florida officials, its statement reads.

    The College Board also should have made clear the course framework is an outline meant to be filled in with scholarly articles and video lectures, it said. “This error triggered a conversation about erasing or eliminating Black thinkers. The vitriol aimed at these scholars is repulsive and must stop,” the non-profit said.

    The statement praised the work of teachers and students involved in piloting the course and noted teachers in some states have more room to maneuver in their studies than others.

    “But we must resist the narrative that teachers in states with restrictions are not doing exceptional work with their students, introducing them to so much and preparing them for so much more,” the statement said.

    “By filling the course with concrete examples of the foundational concepts in this discipline, we have given teachers the flexibility to teach the essential content without putting their livelihoods at risk.”

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  • DeSantis says Florida requires African American history. Advocates say the state is failing that mandate | CNN Politics

    DeSantis says Florida requires African American history. Advocates say the state is failing that mandate | CNN Politics

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    CNN
     — 

    Facing accusations of whitewashing history after his administration blocked a new Black studies course for high-achieving high schoolers, Gov. Ron DeSantis has countered that Florida students already must learn about the triumphs and plight of African Americans.

    “The state of Florida education standards not only don’t prevent, but they require teaching Black history,” DeSantis said last week. “All the important things, that’s part of our core curriculum.”

    Indeed, Florida has required its schools to teach African American history since 1994, long before the recent push in many states to move toward a more complete telling of the country’s story. The stated goal at the time was to introduce the Black experience to a generation of young people. That included DeSantis himself, then a student in Florida’s public school system when the mandate became law.

    But nearly three decades later, advocates say many Florida schools are failing to teach that history. Only 11 of the state’s 67 county school districts meet all of the benchmarks for teaching Black history set by the African American History Task Force, a state board created to help school districts abide by the mandate. Many schools only cover the topic during Black History Month in February, said Bernadette Kelley-Brown, the principal investigator for the task force.

    “The idea that every Florida student learns African American history, it’s not reality,” Kelley-Brown said. “Some districts don’t even realize it’s required instruction.”

    The persistent focus in Florida on instruction of African American topics comes as DeSantis has partially built his Republican stardom by targeting public schools for signs of progressive ideologies. His administration has forced K-12 schools to comb their textbooks and curriculum for any evidence of Critical Race Theory or related topics and he championed a new law that puts guardrails on lessons about racism and oppression. Both measures were cited in the state’s decision last month to block a new Advanced Placement class on African American Studies from Florida high schools. (On Wednesday, the College Board, which oversees AP courses and exams, released an updated framework of African American Studies class that did not include many of the authors and topics DeSantis had objected to. His administration said it was reviewing the changes to see if the course now complies with state law.)

    Black Democratic lawmakers say the state Department of Education under DeSantis has shown far more zeal in enforcing these new restrictions on how race can be taught in schools than the state, in almost 30 years, has ever demonstrated toward ensuring that Black history is taught at all.

    “If we say that the speed limit is 70 and someone goes 80, the Highway Patrol is there with some consequences,” state Sen. Geraldine Thompson said at a recent press conference. “But there have been no consequences for not teaching African American history.”

    The governor’s office and the Florida Department of Education did not respond when asked about the state’s efforts to enforce the mandate to teach Black history. But DeSantis recently elaborated on how he expects the subject to be taught.

    “It’s just cut and dried history,” DeSantis said. “You learn all the basics. You learn about the great figures, and you know, I view it as American history. I don’t view it as separate history.”

    For a state that had to be dragged to desegregate all of its schools well into the 1970s, the move to require African American history in Florida classrooms was notably unceremonious. Lawmakers unanimously approved the mandate in 1994 with little debate. Few newspapers covered then-Democratic Gov. Lawton Chiles signing the bill into law.

    After it passed, the state created the African American History Task Force to help school districts with this new directive and to come up with a strategy for implementation. But neither the law nor the Florida Department of Education set a deadline for districts to comply.

    Former state Rep. Rudolph Bradley, the Black lawmaker who sponsored the bill to require African American history back then, now says there was a major flaw in the legislation that kept it from accomplishing what he set out to achieve: Lawmakers didn’t set aside any money for school districts to update their textbooks, buy new instructional materials or train teachers.

    “The mistake on my part, being a freshman, I didn’t understand the importance of attaching appropriations,” Bradley told CNN in a recent interview. “I didn’t understand what an unfunded mandate was and how difficult that would make it for school districts to incorporate it.”

    Even districts that had sought to comply with the law faced hurdles. Among those early adopters in 1994 was Pinellas County, where efforts to incorporate African American history into their lessons were underway prior to the law’s passage – and where a teenage DeSantis was entering sophomore year of high school that fall.

    At Dunedin High School, a predominantly White school within walking distance of Florida’s gulf shores, DeSantis should have been among the first wave of students to be exposed to this more complete telling of history. The school already offered African American history as an elective and the district had tapped the teacher of that class, Randy Lightfoot, to guide Pinellas schools into compliance with the new law. (Lightfoot said DeSantis was not a student in his African American history class.)

    Lightfoot and his team met after school for three hours a day, four times a week for months to forge a plan to incorporate Black history, culture and figures into every grade level, he told CNN in a recent interview. They printed a blueprint called “African American Connections.”

    The accurate teaching of African American studies, the document said, “explains the causes of racial division in society, including prejudice, stereotyping and discrimination” and the “systematic oppression perspective of Africans and African-Americans and their resistance to that oppression.”

    The state heralded Lightfoot’s efforts as a model for adhering to the new law, according to news accounts from the time. The Florida education commissioner liked it so much he handed a copy to every school district, Lightfoot said. DeSantis more recently has called the idea of systemic racism “a bunch of horse manure.”

    By 1996, Lightfoot was warning that his efforts were being stymied by lack of resources. Lightfoot struggled to convince the Pinellas school board to acquire textbooks that included the new lessons on Black history, according to the St. Petersburg Times, which also noted that the district cut his staff.

    The attempts to expand the curriculum to teach African American history also came during a period of racial strife in Pinellas County. In 1996, riots broke out in St. Petersburg, the city 20 minutes south of DeSantis’ suburban home, after the police killed an unarmed Black teenager during a traffic stop, and again when the officers involved were cleared of charges. Meanwhile, graduation rates for Black male students remained stubbornly low in Pinellas, the Times reported, and the county school board had broached the controversial idea of curbing forced busing to desegregate the public schools, leading to a period of distrust between the board and Black residents.

    By the time DeSantis graduated in 1997 – having earned recognition as a decorated Advanced Placement history student, according to his senior yearbook – getting African American history in Pinellas schools was still a work in progress, Lightfoot said.

    Statewide, only a handful of schools had earned “exemplary” status from the African American History Task Force by the end of that decade, meaning they had reached benchmarks for compliance. “Exemplary” school districts must demonstrate their curriculum included African American topics beyond Black History Month, training for teachers in the subject, involvement of parents in the learning and collaboration with a local university for support. In 1999, a bill that would have required public school textbooks to include African American history went nowhere in the state legislature.

    Carlton Owens, a Black classmate of DeSantis’ at Dunedin High, said he only saw people like himself reflected in the curriculum during Black History Month or lessons around slavery and the Civil Rights movement.

    “There’s so much more history that’s inspiring that is interwoven in the American story as a whole,” Owens, now a lawyer and small business owner, said. “And that wasn’t highlighted then, and that needs to be happening now.”

    The state “put the material out there for districts,” said Lightfoot, now a history professor at St. Petersburg College. “But they didn’t put the kind of money in to check and make sure everyone is doing what they’re supposed to be doing.”

    “We were trying to fill in the gaps and the holes in history,” he added. “At the same time, we had Black male students who we thought we could help improve their grades if they saw their stories in history and science and literature. Where it worked, we had pretty good success with it. But we had the support of state leaders to do it. It was a different climate then.”

    In a 2019 press release, the Florida Department of Education announced it would require districts for the first time to report how they were teaching required subjects including “Holocaust education, African American history, Hispanic heritage, women’s history, civics and more.”

    A CNN review of those reports for the 2021-22 school year found wide discrepancies in how districts lesson-plan around the subject of African American history. Some districts provide lengthy plans for weaving the African American experience into social studies from kindergarten through high school graduation; others suggest exploration comes primarily during Black History month. More than a dozen submissions largely parroted the requirements listed in state law without including any details of the instruction.

    Leon County, declared an exemplary school district by the African American History Task Force, included details like its lessons on African American scientists, songwriters and artists during grades K-5. Dixie County, near the Florida Panhandle, submitted 1,600 words on how it teaches African American history to high schoolers. Madison County, a school district near the Florida-Georgia border, simply wrote: “Courses are taught on a daily basis by a Florida certified teacher. The district also stresses Black History Month with daily mini-lessons for all grade levels.”

    The Florida Association of School Superintendents did not respond to a request for comment.

    Democrats and advocates contend the state has done little with this information. They also say the administration has not yet indicated how it will ensure schools are complying with a new state law signed by DeSantis that requires annual instruction of the 1920 Ocoee massacre, when dozens of Black Floridians were murdered in a horrific Election Day racial cleansing.

    Democratic lawmakers say they intend to introduce legislation that would require the state to enforce whether school districts are teaching African American history as the law intends, though its supporters acknowledge any bill is unlikely to gain traction in a statehouse controlled by Republicans.

    “It won’t go anywhere,” said state Sen. Shevrin Jones, a member of the legislature’s Black caucus. “But it’ll be a helluva message that we’re getting behind true and accurate Black history being taught in the state of Florida.”

    Early in his first term, there was some hope from the state’s Black community that DeSantis would forge a different path than some of his Republican predecessors. In one of his first acts as governor, DeSantis voted to pardon the Groveland Four – two Black men who were lynched and two who received lengthy sentences for allegedly raping a White woman in 1949 – widely considered one of the darkest episodes in Florida’s violent past. Former Gov. Rick Scott, who served two terms prior to DeSantis taking office, had refused to pardon the four men despite overwhelming evidence of their innocence.

    But DeSantis’ posture changed following the 2020 killing of George Floyd by a Minneapolis police officer. DeSantis responded to the national unrest by mobilizing the state’s national guard and pushing through what he called an “anti-riot” law that included harsh new penalties for protesters if a demonstration turns violent.

    DeSantis then turned his attention to schools. In June 2021, he urged the state Board of Education to ban the teaching of Critical Race Theory, an academic framework based around the idea that systemic racism is embedded in many American institutions and society. His administration then rejected math textbooks on the grounds that they included Critical Race Theory and other forbidden topics. Last year, lawmakers approved one of DeSantis’ top legislative priorities: the so-called “Stop WOKE Act,” which said schools cannot teach that anyone is inherently racist or responsible for past atrocities because of their skin color. The bill, which DeSantis signed into law, also said schools could teach that oppression of races has existed throughout US history but not persuade students to a particular point of view.

    The controversies around these actions have catapulted DeSantis into the national conversation on teaching race and helped fuel his rise as a potential presidential contender. Throughout these episodes, DeSantis has often maintained that African American history is built into Florida’s education framework.

    “Florida statutes require teaching all of American history including slavery, civil rights, segregation,” DeSantis contended during his debate against his Democratic opponent last year, Charlie Crist. “It’s important that that’s taught. But what I think is not good is to scapegoat students based on skin color.”

    Reginald Ellis, a professor of History and African-American Studies at Florida A&M University, said if students were adequately learning Black history, he would see it first hand in his classroom.

    “What I find, even at a historically Black college, the vast majority of students have not really been exposed to much African American history and experience,” Ellis said. “It is a law on the books. There is a task force. But, for the most part, it clearly isn’t a curriculum that is being enforced. School districts effectively have the option to opt-in or opt-out.”

    Bradley, the original bill sponsor, said the law’s shortcomings fall on those who have held power in Tallahassee and in school districts for the past three decades, and not DeSantis. Bradley, who changed his party affiliation from Democrat to Republican later in his political career, said he was supportive of DeSantis’ education agenda and accused activists of using schools to “drive a wedge between Blacks and Whites.”

    “The law is still a work in progress, but if we want to use it as a tool to divide then that is a total violation of the spirit of the law,” Bradley said. “When I passed that bill, it was designed to bring people together, not divide.”

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  • Jim Jordan issues first subpoenas targeting Biden administration’s response to school board threats | CNN Politics

    Jim Jordan issues first subpoenas targeting Biden administration’s response to school board threats | CNN Politics

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    CNN
     — 

    House Judiciary Chairman Jim Jordan on Friday subpoenaed the Department of Justice, the FBI and the Department of Education for documents as part of its investigation into whether a Justice Department strategy to address threats against teachers and school officials was abused to target conservative parents.

    The flurry of subpoenas are the first from the Judiciary’s subcommittee dedicated to investigating the alleged weaponization of the federal government and are an early indication that the newly minted chairman intends to aggressively pursue its probe into the Biden administration’s response to rising tensions and threats of violence surrounding school board meetings.

    The subpoenas set a document deadline of March 1. The panel sent the subpoenas after initially sending letters to the agencies for voluntary cooperation on January 17.

    The allegations being investigated date to 2021, when protests and some violence erupted at school board meetings across the country. Most of the anger came from conservative parents who wanted to repeal mask mandates, opposed anti-racism courses and had concerns about LGBTQ policies.

    With that backdrop, the National School Boards Association wrote to President Joe Biden asking for federal help to address the violence and threats against school administrators. The group said that “these heinous actions could be the equivalent to a form of domestic terrorism” and encouraged the Justice Department to explore which laws, possibly including the Patriot Act, could be applied.

    The group soon apologized for “some of the language” in its letter. But it quickly drew backlash, particularly among conservatives.

    Attorney General Merrick Garland had issued a memo in response – which didn’t cite the letter, compare parents to “terrorists” nor invoke the Patriot Act. It merely told the FBI and federal prosecutors to step up collaboration with state and local law enforcement on the issue.

    According to a report Jordan released last year, emails show that the Biden White House consulted with the NSBA on the letter before the group made its letter public. An independent review by NSBA concluded, however, that there was no “direct or indirect evidence suggesting the Administration requested the Letter” or reviewed the contents before the letter was sent.

    Other emails also show that the Justice Department sent an advance copy of Garland’s memo to the NSBA.

    The FBI later established a “threat tag” to internally track cases about school board threats under the same categorization. Republicans have seized on the “threat tag” to accuse the FBI of carrying out Biden’s desire to stomp out conservative speech at school boards. But the creation of an internal database does not mean the FBI initiated any sort of crackdown against parents.

    Judiciary Republicans are requesting Garland provide a paper trail of the DOJ’s communications with the White House, intelligence agencies and members of the National School Boards Association about alleged violence at school board meetings.

    The subpoena also calls for a number of documents relating to Garland’s directive for FBI and US attorneys’ offices to meet with federal, state and local law enforcement partners to discuss strategies for addressing the issue, focusing specifically on what meetings took place and what recommendations were made.

    A Justice Department spokesperson declined to comment. Three days after Jordan’s voluntary request to DOJ, a department official responded to the Ohio Republican that “we share your belief that congressional oversight is vital to our functioning democracy” and encouraged the committee to prioritize its document requests to elicit efficient responses, according to a letter obtained by CNN.

    The FBI subpoena specifically demands that Director Chris Wray produce a variety of documents, including communications related to meeting with US attorneys’ offices and “establishment of the Department of Justice’s task force.”

    Wray is also told to hand over all documents related to formal and informal recommendations created or relied upon by FBI employees in accordance with Garland’s October 2021 memo.

    The FBI said in a statement that the bureau “has never been in the business of investigating speech or policing speech at school board meetings or anywhere else, and we never will be,” adding that “attempts to further any political narrative will not change those facts.”

    “The FBI recognizes the importance of congressional oversight and remains fully committed to cooperating with Congress’s oversight requests consistent with its constitutional and statutory responsibilities. The FBI is actively working to respond to congressional requests for information – including voluntary production of documents,” the FBI statement read.

    Jordan’s subpoena to Education Secretary Miguel Cardona called on the Education Department to hand over any documents or communications related to a letter the National School Boards Association sent in September 2021.

    Jordan’s subpoena also called for any files related to Viola Garcia’s appointment to the National Assessment Government Board. Garcia was the president of the National School Boards Association and was one of two individuals who signed the September 2021 letter to Biden.

    An Education Department spokesperson told CNN that “the Department responded to Chairman Jordan’s letter earlier this week. The Department remains committed to responding to the House Judiciary Committee’s requests in a manner consistent with longstanding Executive Branch policy.”

    CNN has reached out to Garcia for comment.

    On Thursday, a day before the subpoena, the Education Department told Jordan’s team that the department played no role in crafting the letter from the National School Boards Association.

    “I would also like to reiterate – as the Department has repeatedly made clear – that the Secretary did not request, direct any action, or play any role in the development of the September 29, 2021, letter from the NSBA to President Biden,” Gwen Graham, assistant secretary for legislation and congressional affairs at the Education Department wrote in a letter obtained by CNN. Graham added that an independent review for counsel retained by the NSBA did not find any connection between the letter and Garcia’s appointment.

    Republicans gave Democrats on the committee a heads up that these subpoenas were coming, a source familiar told CNN. Democratic Del. Stacey Plaskett of the US Virgin Islands, the highest-ranking Democrat on the subcommittee on the weaponization of the federal government, said the subpoenas were underpinned by “conspiracy theories” and said she is confident that what the Republicans have asked for “will once again disprove this tired right-wing theory.”

    White House spokesperson for Congressional Oversight Ian Sams said in a statement to CNN, “Chairman Jordan is rushing to fire off subpoenas only two days after the Judiciary Committee organized, even though agencies already responded in good faith seeking to accommodate requests he made. These subpoenas make crystal clear that extreme House Republicans have no interest in working together with the Biden Administration on behalf of the American people and every interest in staging political stunts.”

    Since the uproar at school boards became a major political issue in late 2021, Republicans have pushed the baseless narrative that Biden, Garland and Wray have weaponized federal law enforcement to attack innocent parents who care about education.

    House Speaker Kevin McCarthy falsely claimed that “Biden used the FBI to target parents as domestic terrorists.” Jordan has said Garland tried “to use federal law enforcement tools to silence parents.” This claim even came up in the GOP response to last year’s State of the Union. These claims have been repeatedly debunked by fact-checkers from CNN and other outlets.

    For his part, Garland has aggressively pushed back against Republicans’ accusations. He previously testified to Congress that the Justice Department isn’t using counterterrorism resources against parents and said it was ridiculous to equate “angry” parents to “terrorists.”

    When GOP senators grilled Wray about the “threat tag” matter at an August hearing, he defended the FBI.

    “The FBI is not going to be in the business of investigating speech or policing speech at school board meetings,” Wray said. “We’re not about to start now. Threats of violence, that’s a different matter altogether. And there, we will work with our state local partners, as we always have.”

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  • New Zealand Education Minister Chris Hipkins bids to replace Jacinda Ardern as PM | CNN

    New Zealand Education Minister Chris Hipkins bids to replace Jacinda Ardern as PM | CNN

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    CNN
     — 

    Chris Hipkins, New Zealand’s education minister, is bidding to replace Jacinda Ardern as prime minister, after her shock resignation announcement earlier this week.

    Hipkins emerged as the only candidate to be nominated for the leadership of the ruling Labour party on Saturday morning.

    The Labour Party caucus is due to meet on Sunday to formally endorse and confirm Hipkins as leader, party whip Duncan Webb said.

    New Zealand’s next general election is expected to be held on October 14.
    Hipkins is a career politician who entered Parliament in 2008, and became a household name leading New Zealand’s pandemic management as Covid-19 response minister in Ardern’s cabinet. Aside from being education minister, he is also minister for police and the public service, and Leader of the House.

    Speaking to reporters after nominations closed at 9 a.m. local time in the capital of Wellington, he said he aims to reach consensus about who is “best to lead the Labour party, and therefore, New Zealand forward.”

    “I am absolutely humbled and honored,” he said, then added, “there is still a bit to go in this process. There is still a meeting tomorrow and a vote, and I don’t want to get too far ahead of that.”

    The minister went on to thank his party members, saying “we have gone through this process with unity and we will continue to do that.”

    He committed to leading the country in a “strong, stable and unified” way but cautioned there were challenges ahead.

    “I acknowledge that at the moment, we’re going through some economic turbulence and we’re going to have to navigate our way through there,” he said.

    Hipkins also told reporters that he is “incredibly optimistic about New Zealand’s future” and is “really looking forward to the job. I am feeling energized and enthusiastic.”

    He served almost two years as Covid-19 response minister in a country that kept infections and deaths relatively low after shutting its borders. He also oversaw New Zealand’s phased reopening before fully welcoming back all international travel last July.

    Ardern said Thursday that she would stand aside for a new leader, saying she doesn’t believe she has the energy to seek reelection.

    Speaking at a news conference then, Ardern said her term would end by February 7, when she expected a new Labour prime minister would be sworn in – though “depending on the process that could be earlier.
    Hipkins said Ardern – whose tenure coincided with a terrorist attack, natural disasters and a global pandemic – was “the leader that we needed at the time that we needed it.”

    And he acknowledged that, like Ardern, he would be opening himself up to “a lot scrutiny and a lot of criticism” by putting his name forward.

    “I go into this job with my eyes wide open, knowing what I’ve what I’ve stepped into,” Hipkins said.

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  • Federal student loan office has lots to do but no new money to do it | CNN Politics

    Federal student loan office has lots to do but no new money to do it | CNN Politics

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    Washington
    CNN
     — 

    Big headaches for student loan borrowers could be on the horizon.

    Their monthly payments could restart as early as this summer after a three-year pause. And the federal office that oversees the student loan system is operating under the same budget as last year – which could complicate any efforts to make sure the repayment process goes smoothly, as well as the office’s plans to overhaul the system.

    When Congress passed the government’s annual budget in December, the Federal Student Aid office got about $800 million less than what the Biden administration had asked for. After granting steady increases in previous years, lawmakers left funding for the office’s operations flat at about $2 billion.

    Republican lawmakers touted how Congress provided no new funding to help implement President Joe Biden’s controversial student loan forgiveness plan – which is currently tied up in the courts. If the Supreme Court allows the forgiveness program to move forward, it would also be a huge lift for the Federal Student Aid office.

    “I think it’s particularly unfortunate for borrowers that the political fight over loan forgiveness has resulted in flat funding this year,” said Jonathan Fansmith, assistant vice president of government relations at the American Council on Education, an advocacy group for colleges and universities.

    “Wherever the cracks start to show, borrowers are going to be impacted,” Fansmith added.

    The Federal Student Aid office, which has about 1,400 employees and provides about $112 billion in grant, work-study and loan funds annually, has a lot on its plate.

    The office oversees the $1.6 trillion federal student loan portfolio but has also taken on additional work to revamp the federal student aid application form, known as the FAFSA, and to overhaul some federal student loan programs. Last week, it announced a plan to start making significant changes to its income-driven repayment program this year.

    “I think certainly a number of their priorities will either not get done on the timeline that they had originally hoped for, or not get done at all,” said Michele Shepard, senior director of college affordability at The Institute for College Access and Success, an advocacy group.

    But the Department of Education says it can still meet the timelines it has set.

    “The several hundred-million-dollar shortfall will of course have an impact on these important bipartisan priorities, but we will continue to do everything we can with the available resources to better serve students and protect taxpayer dollars,” the department said in a statement sent to CNN.

    Still, that means the Federal Student Aid office would be doing more work with less money. Here are some of the tasks it is expected to tackle this year:

    Federal student loan borrowers have not had to make any payments since March 2020, thanks to a pandemic-related pause that has been extended by both the Trump and Biden administrations several times.

    Most recently, Biden extended the pause after his student loan forgiveness program was halted by federal courts. The administration had told borrowers debt relief would be granted before payments restarted.

    The payment pause will now last until 60 days after litigation over Biden’s student loan forgiveness program is resolved. If the program has not been implemented and the litigation has not been resolved by June 30, payments will resume 60 days after that.

    Bringing roughly 44 million borrowers back into repayment at one time is an unprecedented task. Many people may be confused about how much they owe, when to pay and how. Missing payments can result in monetary fees.

    The government contracts with several outside organizations, such as MOHELA and Nelnet, to handle servicing the federal student loans. But it’s up to the Federal Student Aid office to communicate with the servicers about when payments restart and how.

    “To be kind, the quality of student loan servicing has not been stellar,” Fansmith said.

    “If you multiply all of these issues, even if small, by 44 million borrowers, it’s a massive national problem,” he added.

    In late February, the Supreme Court will hear arguments in two cases concerning Biden’s student loan forgiveness program, which could deliver up to $20,000 of debt relief for millions of low- and middle-income borrowers.

    A decision on whether the program is legal and can move forward is expected by June. Until then, it is on hold and no debt will be discharged under the program.

    Biden’s student loan forgiveness program has faced several legal challenges since the president announced it in August. The Department of Education had received about 26 million applications for debt relief by the time a federal district court judge struck down the program on November 10.

    The legal back-and-forth has created confusion for borrowers around the status of the program. Adding to the uncertainty, about 9 million people received an email from the Department of Education in the fall that mistakenly said their application for student loan forgiveness had been approved.

    The Biden administration has plans to overhaul some of its student loan repayment programs and the Federal Student Aid office is charged with rolling those out.

    In July, the Department of Education plans to implement permanent changes to the Public Service Loan Forgiveness program to make it easier for government and nonprofit workers to qualify for debt relief after making 10 years of payments. The program has long been plagued with loan servicing problems.

    Big changes to the department’s income-driven repayment plans are also in the works, aimed at reducing monthly debt burdens as well as the total amount borrowers pay over the lifetime of their loans.

    The new regulations are expected to cap payments at 5% of a borrower’s discretionary income, down from 10% that is offered under most current income-driven plans. As a result, single borrowers making less than $30,600 per year would not need to make any payments under the proposal, up from the current $24,000 threshold.

    The changes would also forgive remaining balances after 10 years of repayment, instead of 20 or 25 years, as well as cover the borrower’s unpaid monthly interest.

    The Department of Education said last week that it expects to start implementing some of these provisions later this year.

    Each year, as part of its normal work, the Federal Student Aid office processes millions of FAFSA applications from students. Generally, the form is released in October for the following academic year.

    Every college student needs to fill out the FAFSA in order to qualify for federal student loans, grants and work-study aid. But it has long been criticized as too long and complicated.

    Congress passed a law in 2021 that simplifies the FAFSA form, and the Federal Student Aid office has been working on implementing the changes – which financial aid experts hope will be done before October this year.

    The office was supposed to have had the changes already done, but the effective date was pushed back by a year.

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  • Everything you need to know about Biden’s student loan forgiveness program | CNN Politics

    Everything you need to know about Biden’s student loan forgiveness program | CNN Politics

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    Washington
    CNN
     — 

    President Joe Biden’s federal student loan forgiveness program, which promises to deliver up to $20,000 of debt relief for millions of borrowers, is on hold indefinitely as legal challenges work their way through the courts.

    About 26 million people had already applied by the time a federal district court judge struck down the program on November 10 – prompting the government to stop taking applications. No debt has been canceled thus far.

    The administration officially launched the application on October 17, following a brief “beta period” during which its team assessed whether tweaks were needed.

    If the courts ultimately allow the program to move forward, not every student loan borrower is eligible for the debt relief. First, only federally held student loans qualify. Private student loans are excluded.

    Second, high-income borrowers are generally excluded from receiving debt forgiveness. Individual borrowers who make less than $125,000 a year and married couples or heads of households who make less than $250,000 annually will see up to $10,000 of their federal student loan debt forgiven.

    If a qualifying borrower also received a federal Pell grant while enrolled in college, the individual is eligible for up to $20,000 of debt forgiveness. Pell grants are awarded to millions of low-income students each year, based on factors including their family’s size and income and the cost charged by their college. These borrowers are also more likely to struggle to repay their student debt and end up in default.

    Here’s what else borrowers need to know about the new student loan forgiveness plan:

    It’s unclear when, or if, borrowers will see debt relief under Biden’s program.

    Administration officials expected to be able to grant relief before federal student loan payments are set to resume in January, when the pandemic-related pause expires. But now that timeline is in jeopardy.

    The White House has said that it has already approved 16 million applications for debt relief. The Department of Education will hold on to that information so it can quickly process those borrowers’ relief if the government prevails in court.

    If and when the program moves forward, an estimated 8 million borrowers may receive debt relief automatically because the Department of Education already has their income on file.

    If the government restarts taking applications, borrowers can apply online here: https://studentaid.gov/debt-relief/application.

    Applicants can expect to receive an email confirmation once their application is successfully submitted. Then, borrowers will be notified by their loan servicer when the debt cancellation has been applied to their account.

    Borrowers were expected to have until December 31, 2023, to submit an application.

    There are a variety of federal student loans and not all are eligible for relief. Federal Direct Loans, including subsidized loans, unsubsidized loans, parent PLUS loans and graduate PLUS loans, are eligible.

    But federal student loans that are guaranteed by the government but held by private lenders are not eligible unless the borrower applied to consolidate those loans into a Direct Loan by September 29.

    The Department of Education initially said these privately held loans, many of which were made under the former Federal Family Education Loan program and Federal Perkins Loan program, would be eligible for the one-time forgiveness action – but reversed course in September when six Republican-led states sued the Biden administration, arguing that forgiving the privately held loans would financially hurt states and student loan servicers.

    Defaulted Federal Family Education Loans and defaulted Perkins Loans are still eligible for the debt relief even if they are privately held.

    If Biden’s program is allowed to move forward, eligibility is based on a borrower’s adjusted gross income for either tax year 2020 or 2021. Adjusted gross income can be lower than your total wages because it considers tax deductions and adjustments, like contributions made to a 401(k) retirement plan.

    A taxpayer’s adjusted gross income can be found on line 11 of IRS Form 1040.

    The Department of Education says it already had income information for nearly 8 million borrowers, likely because of financial aid forms or previously submitted income-driven repayment plan applications. If the program is allowed to move forward, those borrowers will automatically receive the debt relief if they meet the income requirement, unless they choose to opt out. The department has said it will email borrowers who will be considered for debt relief but don’t need to apply.

    Millions of other borrowers will need to apply for student loan forgiveness if the Department of Education doesn’t have their income information on file. When they submit the application, borrowers are required to self-attest that their income is under the eligibility threshold. They are required to certify that the information provided is accurate upon penalty of perjury.

    The Biden administration has said that applicants who are “more likely to exceed the income cutoff” will be required to submit additional information, like a tax transcript. Officials expect that just 5% of borrowers with eligible federal student loans would not qualify due to the income threshold.

    Borrowers will not have to pay federal income tax on the student loan debt forgiven, thanks to a provision in the American Rescue Plan Act that Congress passed last year.

    But it’s possible that some borrowers may have to pay state income tax on the amount of debt forgiven. There are a handful of states that may tax discharged debt if state legislative or administrative changes are not made beforehand, according to the Tax Policy Center. The tax liability could be hundreds of dollars, depending on the state.

    Yes, some current students are eligible. Eligibility for borrowers who filed the Free Application for Federal Student Aid, known as the FAFSA, as an independent will be based on the individual’s own household income.

    Eligibility for borrowers who are enrolled as dependent students, generally those under the age of 24, will be based on parental income for either 2020 or 2021.

    Yes, if your income meets the eligibility threshold.

    Yes, if your income meets the eligibility threshold. A parent borrower with federal Parent PLUS loans for multiple children is still only eligible for up to $20,000 of loan forgiveness.

    But a parent is only eligible for up to $20,000 in debt relief if he or she received a Pell grant for his or her own education. If only the child received a Pell grant, the parent is eligible for up to $10,000 in forgiveness.

    Most borrowers can log in to Studentaid.gov to see if they received a Pell grant while enrolled in college. Information about Pell grants received is displayed on the account dashboard and on the My Aid page. This is also where borrowers can find out how much they owe and what kind of loans they have.

    Borrowers who received a Pell grant before 1994 won’t see their Pell grant information online, but they are still eligible for the $20,000 in student loan forgiveness.

    As long as borrowers received at least one Pell grant, they are eligible.

    The Biden administration has said that eligible borrowers who have received Pell grants will automatically receive the additional debt relief.

    Yes, defaulted federal student loans are eligible for debt relief.

    For borrowers who have a remaining balance on their defaulted student loans after the cancellation is applied, there will be an opportunity to get out of default once payments resume in January 2023 as part of what the Department of Education is calling its “Fresh Start” initiative.

    The Biden administration is facing several lawsuits over the student loan forgiveness program. Many of the plaintiffs argue that the Department of Education is overstepping its authority.

    In one case, a federal judge in Texas struck down the program on November 10, declaring it illegal. The Department of Justice has appealed the ruling to the 5th US Circuit Court of Appeals, but debt relief is on hold while that case plays out.

    Previously, the 8th US Circuit Court of Appeals put a temporary, administrative hold on the program on October 21, barring the administration from canceling loans covered under the policy while the court considers a challenge brought by six Republican-led states. The appeals court then granted an injunction on the program on November 14, which will remain in place until the appeals court, or the Supreme Court, issues a further order in the case.

    A lower court judge dismissed the lawsuit on October 20, ruling that the plaintiffs did not have the legal standing to bring the challenge.

    On the same day as the lower court dismissal, Supreme Court Justice Amy Coney Barrett rejected a separate challenge to Biden’s student loan forgiveness program, declining to take up an appeal brought by a Wisconsin taxpayers group.

    The Biden administration is also facing lawsuits from Arizona Attorney General Mark Brnovich and the Cato Institute, a libertarian think tank.

    Lawyers for the government say that Congress gave the secretary of education “expansive authority to alleviate the hardship that federal student loan recipients may suffer as a result of national emergencies,” like the Covid-19 pandemic, according to a memo from the Department of Justice.

    Borrowers who have debt remaining after either $10,000 or $20,000 is wiped away could see their monthly payment amounts recalculated if they are enrolled in a standard repayment plan. Under a standard repayment plan, borrowers pay a fixed amount that ensures loans are paid off within 10 years.

    Borrowers who are already enrolled in an income-driven repayment plan are not likely to see their monthly payment amounts change due to the forgiveness, because their payments are based on household income and family size.

    Borrowers have not been required to make payments on their federal student loans since March 2020 because of the government’s pandemic-related pause. Biden has extended the pause through the end of this year, and payments will resume in January 2023.

    Along with Biden’s August announcement about canceling some federal student loan debt, he also said he would create a new plan that would make repayment more manageable for borrowers.

    There are currently several repayment plans available for federal student loan borrowers that lower monthly payments by capping them at a portion of their income.

    The new income-driven repayment plan that Biden is expected to propose would cap payments at 5% of a borrower’s discretionary income, down from 10% that is offered in most current plans, as well as reduce the amount of income that is considered discretionary. It would also forgive remaining balances after 10 years of repayment, instead of 20 years.

    Biden is also proposing that the new plan cover the borrower’s unpaid monthly interest. This could be very helpful for people whose monthly payments are so low that they don’t cover their monthly interest charge and end up seeing their balances explode, growing larger than what was originally borrowed.

    But we don’t know when these changes will take effect. The Department of Education has not provided any sense of timing, but has said it will propose a new rule to create the repayment plan. The department’s formal rule-making process usually includes soliciting public comments and can take months, if not more than a year.

    Yes. Borrowers have not been required to make payments on their federal student loans since March 13, 2020, because of the pandemic-related pause. But if borrowers did make payments, they are allowed to contact their loan servicer to request a refund.

    This story has been updated with additional information.

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  • Biden’s student loan forgiveness application is coming soon. Here’s what you need to know | CNN Politics

    Biden’s student loan forgiveness application is coming soon. Here’s what you need to know | CNN Politics

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    Washington
    CNN
     — 

    The application for President Joe Biden’s student loan forgiveness plan is expected to go live as soon as this week.

    Announced in late August, the plan will deliver federal student loan forgiveness to millions of low- and middle-income borrowers.

    Individuals who earned less than $125,000 in either 2020 or 2021 and married couples or heads of households who made less than $250,000 annually in those years will see up to $10,000 of their federal student loan debt forgiven.

    If a qualifying borrower also received a federal Pell grant while enrolled in college, the individual is eligible for up to $20,000 of debt forgiveness.

    In addition to federal Direct Loans used to pay for an undergraduate degree, federal PLUS loans borrowed by graduate students and parents may also be eligible if the borrower meets the income requirements.

    Facing mounting legal challenges to the student loan forgiveness policy, the Biden administration announced some last-minute changes to the program last week. Borrowers are still awaiting final details on the policy.

    The Department of Education regularly updates the Federal Student Aid website with information on the forgiveness program.

    Here’s what we know so far:

    The application has not been released yet but the Biden administration has said it will come out sometime in October.

    The online application will be short, according to the Department of Education. Borrowers won’t need to upload any supporting documents or use their Federal Student Aid ID to submit the application.

    “Once you submit your application, we’ll review it, determine your eligibility for debt relief and work with your loan servicer(s) to process your relief. We’ll contact you if we need any additional information from you,” the department said an email to borrowers last week.

    Borrowers will have more than a year to apply. The deadline will be December 2023.

    To be notified when the process has officially opened, sign up at the Department of Education subscription page.

    About 8 million people are expected to receive student loan forgiveness automatically because the Department of Education already knows what their income is, likely due to previously submitted financial aid forms or income-driven repayment plan applications.

    It’s unclear when exactly debts will be discharged. But due to ongoing lawsuits, the government has agreed in court to hold off canceling any federal student loan debt before October 17.

    The Biden administration scaled back eligibility for the program last week, as it faces mounting legal challenges to the policy.

    The program will now exclude borrowers whose federal student loans are guaranteed by the government but held by private lenders. The administration has said the change could affect about 700,000 people.

    The Department of Education initially said these loans, many of which were made under the former Federal Family Education Loan program and Federal Perkins Loan program, would be eligible for the one-time forgiveness action as long as the borrower consolidated his or her debt into the federal Direct Loan program.

    But the agency has reversed course after six Republican-led states sued the Biden administration, arguing that forgiving the privately held loans would financially hurt states and student loan servicers.

    Now, privately held federal student loans must have been consolidated before September 29 in order to be eligible for the debt relief.

    The White House clarified last week that borrowers will be able to opt out if they don’t want to receive the debt forgiveness.

    The Biden administration’s announcement came hours after a borrower sued, arguing that he would be forced to pay state taxes on the amount canceled – an expense he would otherwise avoid.

    There are a handful of states that may tax the debt discharged under Biden’s plan if state legislative or administrative changes are not made beforehand, according to the Tax Foundation.

    There are currently at least three significant lawsuits aiming to block the Biden administration from implementing its student loan forgiveness plan.

    Republican states are leading the charge. In addition to the lawsuit filed by six Republican-led states that say they could be hurt financially by the forgiveness plan, Arizona Attorney General Mark Brnovich also filed a lawsuit last week.

    Brnovich, a Republican, argues that the policy could reduce Arizona’s tax revenue because the state code doesn’t consider the loan forgiveness as taxable income, according to the lawsuit. The complaint also argues that the forgiveness policy will hurt the attorney general office’s ability to recruit employees. Currently its employees may be eligible for the federal Public Service Loan Forgiveness program, but some potential job candidates may not view that as a benefit if their student loan debt is already canceled, the lawsuit argues.

    A federal judge has already denied the request in the third lawsuit – from a borrower who sued arguing that they would incur a bigger state tax bill due to the loan forgiveness. The plaintiff, a public interest lawyer at the Pacific Legal Foundation, has until October 10 to file a revamped lawsuit.

    The nonpartisan Congressional Budget Office said in a report released last week that the student loan cancellation could come at a price of $400 billion but noted that those estimates are still “highly uncertain.”

    The Biden administration argues that the CBO’s cost estimate should be viewed over a 30-year time period and came out with its own analysis two days later. It said the program will cost an average of $30 billion per year over the next decade and $379 billion over the course of the program.

    The Department of Education is warning borrowers of scams related to the student loan forgiveness program that ask for payment in return for help getting debt relief.

    “Make sure you work only with the US Department of Education and our loan servicers, and never reveal your personal information or account password to anyone,” it said in an email to borrowers.

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  • Biden has already canceled $66 billion in student loans. Here’s how 3 people received debt relief | CNN Politics

    Biden has already canceled $66 billion in student loans. Here’s how 3 people received debt relief | CNN Politics

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    Washington
    CNN
     — 

    Even though the Supreme Court struck down President Joe Biden’s student loan forgiveness program, more debt will be canceled during his time in office than under any other president.

    The Biden administration has already canceled a record $66 billion in student loan debt for nearly 2.2 million borrowers.

    While his one-time student loan forgiveness program would have been far reaching, promising up to $20,000 of debt cancellation for eligible borrowers and wiping out roughly $400 billion overall, the Department of Education has made some lesser-known changes to existing student loan forgiveness programs.

    The administration has made it easier for people to qualify for the Public Service Loan Forgiveness program, which grants relief for public sector workers after they’ve made 10 years of qualifying payments.

    It has also made more people eligible for the borrower defense to repayment program that cancels student loan debt for borrowers who attended a school that may have misled them or violated certain state laws, as well as made loan discharges automatic for more borrowers who are permanently disabled.

    Here’s how three people received student loan forgiveness due to the changes the Biden administration has made to existing federal programs.

    Margo Myles, 52, got a letter from the Department of Education in late March saying that nearly $25,000 of her federal student loan debt had been canceled.

    Myles had borrowed the money in the early 2000s to earn an associate degree in paralegal studies, but the education didn’t pay off. She found work in the legal field a few years after finishing school but was earning just $9 an hour – not enough to pay her bills and her student loans.

    “I was trying to reorganize my life. For me, and for so many other students, this should have been a door,” Myles said of her degree program.

    Instead, she defaulted on her student loans. The default dinged her credit and resulted in the garnishment of her federal tax refunds. Myles said she wasn’t allowed to request her academic transcript while her loans were in default, preventing her from enrolling elsewhere.

    The Department of Education later found that schools owned by the now-defunct Corinthian Colleges – which include Myles’ alma mater, known at the time as Florida Metropolitan University – engaged in “widespread and pervasive misrepresentations” about students’ employment prospects, including guarantees they would find a job as well as the ability to transfer credits.

    Under the borrower defense program, borrowers can apply for debt relief if they were misled by their college. Last June, the Department of Education announced that any student who attended a Corinthian-owned college would automatically qualify for the benefit. The move made 560,000 more borrowers eligible.

    About nine months later, Myles learned that she was one of the qualifying borrowers and her debt was discharged. The Department of Education said it would request credit reporting agencies to repair her credit within 45 days, according to the letter she received.

    Myles, who now lives in Cheyenne, Wyoming, and works in insurance, plans to continue her education by pursuing a bachelor’s degree and then a law degree.

    “I’ve always wanted to go back to school. I don’t care if I’m 60 when I finish,” she said.

    Paige Vass recently qualified for the Public Service Loan Forgiveness program.

    Applying for the Public Service Loan Forgiveness program was a yearslong, frustrating process for Paige Vass, a special education teacher in Virginia.

    The PSLF program cancels remaining federal student loan debt for eligible government and nonprofit workers after they have made 120 qualifying monthly payments, which takes at least 10 years.

    But the program has been riddled with problems. Many people reached 10 years of repayment believing they qualified for cancellation of their remaining debt, but instead found out that they had the wrong kind of loan or were making payments in the wrong kind of repayment plan.

    Vass applied after teaching for more than 10 years, but her paperwork was returned several times, for things like having an incorrect date or a signature in the wrong place.

    She decided to try applying one more time last year after the Biden administration temporarily expanded eligibility for the program with a one-year waiver.

    “My fingers were crossed, but I also thought I might be chasing a unicorn,” Vass, 47, said.

    “But I was like, I’ve got to try. This is a huge debt and a huge weight on our family,” she added. She and her husband, who is also an educator, have two children.

    This spring, not only did Vass find out that she qualified for more than $30,000 in debt relief, but she is also set to receive a refund of about $5,000 because she had overpaid. Under the rules of the temporary waiver, she had made more payments than the 120 required for debt forgiveness.

    The debt relief means she may be able to spend more time with her kids. In the past, when she’s owed hundreds of dollars for her student debt each month, she’s worked summer school, taught skiing and worked for the on-demand delivery company DoorDash for some extra cash.

    “There’s been so many changes and so many hardships for teachers over the last three years. To me (the loan forgiveness) felt like a statement on behalf of our country’s administration that says, ‘You are valuable and we appreciate what you do, and you do make a difference,’” Vass said.

    Charles Goldenberg saw more than $340,000 of his debt canceled.

    Last year, Charles Goldenberg, a radiologist in New York City, got an email notifying him that his more than $340,000 in federal student loan debt had been canceled because he qualified for the PSLF program.

    While in training, and making little money, Goldenberg was paying off his loans through an income-driven repayment plan, which lowered his monthly payments. But those payments hardly covered the interest accumulation, and his balance ballooned before the pandemic pause went into effect in 2020.

    Now, at 42, Goldenberg said the student debt cancellation gives him the opportunity to move on with his life.

    “And I think that’s the whole point of the PSLF program. You spend years of training and schooling above and beyond college, making less money than you would when you’re out of training. It’s not without sacrifice. It’s because you work for eligible employers … where you’re not going to be making the kind of money that I make now,” he added.

    Goldenberg had been paying off some his loans for 19 years, but not every payment had counted toward the PSLF program until he consolidated his loans about two years ago.

    Thanks to the one-year waiver put in place by the Biden administration, some payments he made earlier became eligible.

    Applying for the relief had also been a long process for Goldenberg. His loan servicer had difficulty verifying that one of his employers, a nonprofit hospital in Miami, qualified for the program. He eventually found proof on the Department of Education’s website that the hospital did qualify.

    Now that Goldenberg is done with training and is earning more money, his student loan payments would be much higher when the pandemic-related pause ends later this year than they were three years ago. He expects they would be $2,500 or more a month if not for the debt relief.

    “Now I can use the money that I make for myself, for a mortgage, for family, for other expenses, for retirement. So it really opened up my financial future in a big way,” he said.

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