Author: administración

There are a lot of things wealth is good for, but one of the most underrated benefits is being able to buy peace and quiet. As I was sitting in the hot tub with my two children at Everline Resort in Lake Tahoe, I couldn’t help but feel a little frazzled by all the noise. There was a group of five senior citizens talking at the top of their lungs, almost like they were screaming. Then there were six kids jumping into the hot tub and splashing around. And of course, my own two kids were doing their thing as…

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High school seniors heading to public four-year colleges this fall could graduate with more than $43,000 in student loans, according to a new NerdWallet analysis of National Center for Education Statistics data.Why It Matters: The projection lands as federal repayment plans change on July 1, the SAVE plan ends, and AI pressure on entry-level jobs pushes more students to question whether a bachelor’s degree still pencils out.The Big Number: A student starting at an in-state public university in fall 2026 and taking five years to earn a bachelor’s degree could borrow an estimated $43,500 to cover costs, per NerdWallet. The five-year timeline…

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Key PointsThe Repayment Assistance Plan (RAP) is the newest income-driven repayment plan, and will be the only IDR option for borrowers who take out a loan after July 1, 2026.Monthly payments run from 1% to 10% of adjusted gross income, with a $10 minimum. Each eligible dependent reduces the payment by $50. Any remaining balance is forgiven after 360 qualifying payments over at least 30 years.RAP waives unpaid interest on full, on-time payments and adds a matching principal payment when your reduction falls short of $50. The number of federal student loan repayment plans is shrinking. Starting July 1, 2026,…

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