Author: administración

Key PointsThe U.S. Department of Education finalized a rule that ties federal student aid to graduate earnings.Undergraduate programs must show graduates earn more than a typical high school diploma holder, and graduate programs must beat the typical bachelor’s degree holder.Programs that fail the earnings test in two of three consecutive years lose access to federal Direct Loans, and institutions where these “low-earning outcome programs” dominate enrollment can lose Pell Grant eligibility too. The U.S. Department of Education announced a final rule that will, for the first time, strip federal student loan eligibility from college and career programs whose graduates fail…

There’s a version of financial planning that physicians are pretty good at. Retirement accounts, real estate, tax-advantaged savings. We research it, we optimize it, we talk about it at conferences. Disability insurance is not that thing. Not because physicians don’t understand the stakes. We do, better than most. We see what happens when someone can’t work. But this particular task has a quality that makes it easy to defer indefinitely: we know we have something, so we don’t feel the pressure to understand exactly what that something is. That gap between “I have coverage” and “I know what my coverage…

Key PointsNew RAP and Tiered Standard Repayment Plan are now live on the online StudentAid IDR ApplicationPaper application is still not finalized for RAPBorrowers are experiencing slow load times after a weekend-long system update The Department of Education’s latest release updates the systems behind StudentAid.gov accounts to reflect the repayment changes from the One Big Beautiful Bill Act (OBBBA). This comes after a massive weekend system update that had StudentAid down for nearly the entire weekend.The headline change for borrowers: RAP is now a selectable option inside the Income-Driven Repayment Plan Request, the same online application used for existing IDR…

Starting July 1, 2026, the federal government is capping how much graduate students and parents can borrow for college. The Federal Grad PLUS loan is being eliminated, and Federal Parent PLUS loans will carry fixed annual and aggregate limits for the first time. For families who have relied on these programs to cover the full cost of attendance, the way they pay for college is about to change.When federal borrowing falls short, families turn to private student loans. A new analysis of federal student aid data suggests that shift could be substantial: private student loan volume may increase by as…

Florida is moving to block undocumented students from its public universities, colleges, and adult-ed programs starting in 2027. Florida is advancing a series of rules that would block undocumented students from enrolling in the state’s public higher education system — first at its selective universities, and potentially at its community colleges and adult education programs too.This comes from a set of proposals that would take effect in the 2027-28 academic year if approved. Would you like to save this?We’ll email this article to you, so you can come back to it later! I agree to be sent email. Driving The…

The CFPB will require users to validate their identity via mobile phone and email confirmation before they are allowed to file a report. The Consumer Financial Protection Bureau is changing how Americans file complaints, adding identity checks and new rules that steer credit reporting disputes back to Equifax, Experian, and TransUnion first. The agency calls it cleanup. Consumer advocates call it a wall.For borrowers who want to file a complaint against a financial company, here is what you need to know.What ChangedThe CFPB rolled out two-factor authentication for its complaint portal. Anyone creating an online account must now verify both an…

Some people stand up from a table and walk away. Others stop, turn back, and push their chair in. It’s one of those small, almost invisible habits that doesn’t seem to mean anything in isolation. But pay attention long enough and you’ll notice that the people who do it tend to share a particular set of qualities. The chair-tucking isn’t the cause. It’s the visible trace of something deeper — a particular way of being in the world that shows up across dozens of small daily decisions. Here are nine of those qualities. 1. They think about the next person…

You’re already halfway down the street. You locked the door — you remember locking it, you can picture your hand on the latch — and yet here you are, walking back up the path to check it again. It’s locked. Of course it’s locked. If this is you, you’re in extremely good company. Door-double-checking is […]

Key PointsThe 2026–27 Parent PLUS loan carries a 9.07% fixed interest rate plus a 4.228% origination fee, which makes it the most expensive federal loan option.Starting July 1, 2026, Parent PLUS borrowing is capped at $20,000 per year per student and $65,000 total, and new Parent PLUS loans are limited to the standard repayment plan with no income-driven repayment.Private loans, including Abe® student loans, may offer competitive rates and something Parent PLUS does not: a path to cosigner release that can move the debt off the parent’s credit. Parents who borrow for a child’s education are facing a different set…

Something worth paying attention to happened in medicine over the last year. Not a drug approval or a clinical breakthrough. Something quieter. Physicians started getting time back. According to the Doximity 2026 State of AI in Medicine Report, which surveyed more than 3,100 U.S. physicians, AI use in clinical practice jumped from 47% to 63% in less than twelve months. The tools doing most of the heavy lifting are not diagnostic algorithms. They are documentation assistants, note scribes, and literature search tools… the kind of software that chips away at the administrative work that follows physicians home at night. Three-quarters…