Author: administración

Tell me if this sounds familiar. You open ChatGPT, ask it something real, and get back an answer that’s technically fine and completely useless. Meanwhile someone in your call group swears the same tool saves them an hour a day. Here’s the thing. That person almost certainly isn’t smarter than you and isn’t doing anything technical. They just spent ten minutes setting the thing up before they started typing, and you didn’t. It’s not a skill gap. It’s a setup gap. And you close it once. The whole point is to stop re-explaining yourself every single time you open a…

Student loan refinance rates have held continued to hold as the Fed has held interest rates steady. As of August 27, 2026, student loan refinance lenders are offering fixed rates as low as 3.98% APR and variable rates starting as low as 3.62% APR, depending on credit profile, loan type, income, and repayment term. Credible is offering both the lowest variable rate loans starting at 3.62% APR and LendKey and Credible are tied for the lowest fixed rate loans starting at 3.98% APR. For borrowers with private student loans especially, refinancing to lower your interest rate can save you thousands…

The Department of Education (via the Justice Department) filed notices of appeal on August 27, 2026 in both lawsuits that struck down the Department of Education’s PSLF employer eligibility rule. The government is taking National Council of Nonprofits v. McMahon to the First Circuit Court of Appeals and Robert F. Kennedy Center for Justice and Human Rights v. McMahon to the D.C. Circuit, filing just before the government’s 60-day appeal window closed. Both appeals target rulings issued June 30, 2026 — one day before the PSLF Employer rule was scheduled to take effect. In Massachusetts, Judge Myong J. Joun’s 68-page…

International applicants to U.S. colleges fell 10% in the 2025-26 admissions season, according to Common App’s End-of-Season Report released August 20, 2026. The count dropped to 148,780 from 164,443 a year earlier, which is the second consecutive annual decline from the 2023-24 peak of 167,175. It’s also a reversal for a group of students that had grown almost every year since colleges began competing for full-pay international enrollment a decade ago. The drop is concentrated in specific countries. Applicants from India fell 15%, from Ghana 34%, from Ethiopia 29%, from Bangladesh 29%, from Nigeria 21%, and from Canada 13%. Africa…

Please enable JavaScript if it is disabled in your browser or access the information through the links provided below. August 27, 2026 Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico For release at 11:00 a.m. EDT The Federal Reserve Board on Thursday announced the execution of the following enforcement actions listed below: Consent prohibition order against Gadiel Rosario-Alvarado Former employee of Banco Popular de Puerto Rico, San Juan, Puerto Rico Misappropriation of customer funds Additional enforcement actions can be searched for here. For media inquiries,…

Foster parents take on work the state would otherwise have to pay for, and a lot of them are doing it while still carrying student debt. So the question comes up constantly: is there a student loan forgiveness program for foster parents?The honest answer is no. There is no federal program that forgives student loans because you are a licensed foster parent. There never has been. Federal Student Aid’s full list of forgiveness and discharge options has no foster care category, and the state programs that use the words “foster care” are almost always aimed at people who were in…

Student loan borrowers are reporting a wave of notifications inside their StudentAid.gov accounts warning that their Public Service Loan Forgiveness applications show loans in forbearance or deferment or that “no loans qualify for PSLF”. Borrowers sharing screenshots with The College Investor say the alerts don’t match their accounts: their loans are in active repayment, they’re enrolled in a qualifying repayment plan, and their employment is certified. One borrower’s notification feed showed three separate alerts stating “your PSLF application shows at least one loan in forbearance or deferment,” stacked next to another claiming “your PSLF application has no loans that qualify…

Certificates of deposit (CDs) have seen rates rising even more, despite major banks lowering the rates on theri savings accounts. As of August 26, 2026, the best 12-month CD rates reach up to 4.35% APY (annual percentage yield), with many banks and credit unions still offering yields far above the national average of 1.71%, according to the FDIC. Over the last several weeks, rates have been rising slightly.Now might be the best time to lock in a guaranteed rate. If you’re looking to earn a predictable return over the next year, these are the best CD rates available today.💰 Today’s Best 12-Month CD…

Key Points A record 84% of parents have started saving for their children’s college education, up from 74% in 2024. Parents carrying their own student loans are the driving force: 88% say that debt motivates them to help their kids save, while 55% say loan payments delayed their retirement savings. Families with a 529 plan have nearly twice as much set aside as those without ($45,752 versus $24,387) and are closer to hitting their savings targets. Parents who spent years paying off their own student loans are trying to make sure their children never have to. New research from Fidelity…

Key Points CalMatters sued the UC Board of Regents on August 24 after UCLA refused to release records showing which student athletes share $20.5 million in direct payments. UCLA receives more than $30 million a year in institutional and government support for athletics, and already discloses every employee’s salary but says student athlete payments are private. A ruling against UCLA could set a national template, with a similar CalMatters petition against UC Berkeley coming and journalists pursuing comparable public records suits in New Mexico, Louisiana, and South Carolina. CalMatters filed a lawsuit against the University of California Board of Regents…