Author: administración

Does Charles Schwab offer a standalone HSA?This question is about health savings accounts. No. Charles Schwab does not offer a health savings account you can open on your own. You can open a taxable brokerage account, a Roth IRA, or a 529 at Schwab, but there is no consumer HSA product to sign up for. What Schwab actually offers is the Health Savings Brokerage Account (HSBA) — a self-directed brokerage window that lives inside an HSA held at a different custodian. Schwab manages the investments while another company holds the account, processes contributions, and issues the debit card.Why It MattersSearchers…

Millennials spent most of the last decade being told they were behind. Then the last five years happened. Since the start of 2021, national home prices are up about 43% and the S&P 500 has more than doubled, while the oldest members of the generation hit their peak earning years.The result is a generation with a wealth picture that looks very different depending on which number you look at. Federal Reserve data still shows millennials holding a small slice of total U.S. wealth. But run the math on a millennial who finished college, worked steadily, saved consistently, and bought a…

Thirty senators sent a letter to Secretary of State Marco Rubio on August 11, 2026, demanding the State Department restore priority to F, M, and J visa interviews before the fall term begins. Led by Sen. Alex Padilla (D-CA), the group wrote in the letter (PDF File) that “no timely visa appointments are available for students at some embassies and consulates” during peak application season. They gave the department 30 days to answer 10 questions covering staffing, interview slot allocation, and the guidance sent to consular posts since August 2025. The push lands as international enrollment already drives job cuts and…

A federal judge threw out the Justice Department’s civil rights lawsuit (PDF File) against Harvard on Thursday, ruling that the government never plausibly alleged the university is violating Title VI of the Civil Rights Act right now. “The court begins (and ends) with Harvard’s first argument,” U.S. District Judge Richard Stearns wrote. “The Government has not sufficiently pled an ongoing violation of Title VI.”The Justice Department sued Harvard on March 20, 2026, accusing the school of deliberate indifference toward harassment of Jewish and Israeli students after October 7, 2023, and asking the court to force compliance and recover taxpayer money…

Quick SummaryStudent loan consultations, refinance, and new loans partnershipsRepayment terms of up to 20 years Obtain a free quote within minutes GET STARTED ProsFree consultations with a student loan specialistCompetitive rates and terms on refinancesKeyBank is a well-established U.S. financial institutionConsOnly offers new student loans through lending partnersEligibility for refinancing is somewhat restrictive KeyBank is a traditional U.S. bank that provides student loan services through Key Student Loan Solutions, including free student loan consultations, private student loan refinancing, and new loans through partner lenders. In this review, we’ll cover its key features to help you decide if KeyBank is worth considering…

More than half of the physicians at Mass General Brigham were burned out. Not struggling. Not tired. Burned out in the clinical sense: emotionally exhausted, detached from work that once felt meaningful, running on fumes through shifts that used to feel purposeful. 52.6%, to be precise. That was the baseline before the study started. 84 days later, that number was 30.7%. That is a 22-point drop. In less than three months. At one of the most well-resourced, high-volume health systems in the country, where physicians are not exactly lacking in access to wellness programs, mental health resources, or institutional support.…

Student loan refinance rates have held continued to hold as the Fed has held interest rates steady. As of August 13, 2026, student loan refinance lenders are offering fixed rates as low as 3.95% 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 Earnest and Credible are tied for the lowest fixed rate loans starting at 3.95% APR.For borrowers with private student loans especially, refinancing to lower your interest rate can save you thousands of dollars…

A coalition of four major unions (the AFL-CIO, AFSCME, the American Federation of Teachers, and National Nurses United) filed a lawsuit on August 11, 2026 (PDF File) in the U.S. District Court for the District of Columbia challenging the Department of Education’s Reimagining and Improving Student Education (RISE) rule on setting graduate versus professional student loan limits.The complaint asks the court to vacate the rule’s definition of “professional student” — the definition that determines whether a graduate borrower can access $50,000 per year and $200,000 total in federal loans, or just $20,500 per year and $100,000 total.The unions collectively represent millions…

It’s early August. The fall bill posted. You did the math, and you’re short… maybe by $2,000 or maybe by $20,000 (I hope not on that one).This happens to a lot of families, and it happens for ordinary reasons. The financial aid package came in lower than the net price calculator suggested. Housing costs more than you budgeted. A scholarship you were counting on went to someone else. Or you simply didn’t add it all up until the invoice arrived with a number on it.You have less time than you’d like, but you have more options than you think. The…

Key PointsFamilies spent an average of $34,019 on college in 2025-26, a 10% jump from $30,837 the prior year, with parent and student income and savings covering nearly half the bill.More than half of families (53%) are unaware of the new Parent PLUS loan caps that took effect July 1, 2026, even though 66% say they support limits on federal student borrowing.Free money is still being left on the table: 74% of families who did not use scholarships never applied for one, and only 25% of families know the FAFSA opens in October. American families spent an average of $34,019…