Podcasts about Federal Student Aid

Keith sits down with the youngest guest in show history—a 19-year-old college sophomore and student-athlete who's already deeply immersed in real estate and economics, Hunter Taddy. You'll hear a candid Gen Z perspective on money, debt, and the shifting social landscape, along with what's really being taught in today's real estate and econ classrooms.  They explore how young people are navigating college costs, work, and early investing decisions, and how hands-on property management education is shaping one student's path.  If you're curious about where the next generation of investors is headed—and what that might mean for your own strategy—this conversation offers a rare, on-the-ground look without the usual clichés. Episode Page: GetRichEducation.com/597 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host. Keith Weinhold talking with a 19 year old guest that I befriended last year. He's a college sophomore with a real estate investing related major. What does he think about generation Z's future is in person, social life, dead. And what do you really learn about real estate and economics in college today on get rich education.   Corey Coates  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android. Listener phone apps build wealth on the go with the get rich education podcast, sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:11   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 1  1:44   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  2:00   Welcome to GRE from Concord, New Hampshire to Concord, California and across 188 nations worldwide, you're listening to one of America's longest running and most listened to shows on real estate investing. I'm your host, Keith Weinhold, and this is get rich education. Increasingly, you know, people ask why even go to college? Is the value of higher education even worth it to drag yourself to an 8am American Lit class while living off of dining hall Breakfast Biscuits and chicken strips for $100,000 a year, it's been estimated that one in seven men are meats, n, e, e, t, that means not in education, employed or training. Why put on a suit and tie and show up at a job when you have a reasonable facsimile of life online and you have discord and Reddit and trade stocks on Robinhood and crypto on Coinbase. Now I don't think that's going to be good for you, and I still think that there are a lot of positives about attending college. At least 15 to 20 colleges close each year in the United States. And despite this, you know, most people that I talk to, they still seem to be mostly positive about college, or they have this expectation that their kids go to college. So anecdotally, this hasn't changed. I probably wouldn't even be as aware of this shift if I didn't read media like I do, if I just talked to people informally, I really wouldn't know. One thing that has not changed also is the notion of the broke college student. I used to be one of those. Now America is just a couple years removed from that wave of elevated inflation and war in Iran has positioned to stoke a second wave of inflation. Today's guest told me that he does pay credit card finance charges, even though he makes more than the minimum payment, just kind of like I did as a college student. The default state of teenage society today is different. It used to be boredom, and now that's been replaced with anxiety. That part has certainly changed, and often it tends to be teen anxiety over such nonsense things. I mean, I have a teenage niece. One example is the burden of maintaining your Snapchat streak? Oh my gosh, if you're a Gen Z or you know what I'm talking about, basically a snap streak where you've got to send a friend a photo or video every single day to keep your streak going, two people have to send it to each other, and people with long streaks, they even like send each other a photo of the floor, just. To keep the streak going. I mean, talk about anxiety over the wrong things.    Keith Weinhold  5:04   Well, today's team guest Hunter, he has a somewhat better grip on life. I haven't met his parents yet, but they've done an amazing job. In fact, Hunter's dad owns rental property, which kind of helps to fuel some of his interests and desire. But in order to cope with inflation and expenses, buy now pay later programs have really taken off. They're widely known, but less widely known. Our rent now pay later plans. They're booming. Platforms like livable, flex and affirm. They're used by lower income and lower credit score tenants that often live paycheck to paycheck. And how it works is that these tenants are extended money at the beginning of the month to pay the rent. They often pay a flat subscription fee plus 1% of the rent. And you know, hey, that could be better than the tenant paying late fees to the landlord. I learned from one tenant that had trouble paying his $1,850 in rent that flex charged him a $15 monthly subscription plus 1% of the total rent for providing the service. So his total fees for the app were around $33 a month rent. Now pay later. You're probably only going to hear more about it, but if you're a landlord, you probably do not know that your tenant is using a rent now, pay later plan, because you just received the full payment on time, and then your tenant pays back the service later. Remember, it is called rent. Now, pay later. Oh, before we bring in our guest, can I ask you for some quick help? Maybe you wanted to tell me what you think about the show. You could have been listening for years, but you don't think that you can reach me. If this show has helped you become a better investor, the best way to support the podcast is to leave a quick rating or review. It helps more investors discover the show. Just tap the five stars in your podcast app. It can take as little as 10 seconds, and I will read it myself. Thanks in advance for leaving a rating and review. Let's meet this week's guest.   Keith Weinhold  7:22   This week's guest is the youngest we've ever had in show history. He's a teenager, so he's about a generation younger than me, and it's his first time on a podcast. He is a sophomore student athlete at the University of Alaska Anchorage, where he competes in the 800 meters for the track and field team. He runs about a 155 his major is management, with a specialization in real estate and property management, and he's just into so many things beyond athletics and academics, he serves as an ambassador for the Widener property management and real estate program. He's also an officer of the real estate management and investment club from Wisconsin. He's 19 years old, a straight A student. He's also an RA that's a Resident Assistant there helping out students at the dorms. Welcome to GRE Hunter, toddy.    Hunter Taddy  8:18   Yeah, I'm happy to be here. Thanks for having me.   Keith Weinhold  8:20   Taddy is spelled T, A, D, D, Y. I met Hunter almost six months ago. A property manager introduced us just thinking that we might have some things in common, and she sure was right. We've gotten together a few times, including going running at one time where, well, I had more than a little trouble keeping up with an active college athlete. The last time we sat down for coffee, just last week, I looked at my watch. We were done, and we sat almost two and a half hours like how many teenagers could really hold my attention for that long? But he just understands the world and politics surprisingly well. For a 19 year old. He's confident and well thought out. He's read War and Peace. He even got some of his own cooking and avoids seed oils. And you know, Hunter being born in 2006 when GRE debuted in 2014 you were eight years old. So before we talk about you, let's talk about your generation, generation Z What do you think some of the markers of your generation are?   Keith Weinhold  9:28   Yeah, so it's as I've shared with you in the past. It's interesting, because especially at UA, I'm mostly surrounded by like, athletes. So athletes tend to be a lot more social, just like how they grown up, they're always around people that tend to be a lot more driven. But then when I talk to, like, non athletes, it's a little bit different. Like, my generation is definitely they're on their phone a lot. I mean, I've told you before, like, I avoid social media. Well, I wouldn't say like the flag, but I avoid it a lot, because I know, hey, how addicting it is. And B, just like, you know, the.The word of my generation is slop or brain rot, and which is most of the stuff on the internet, but Yeah, seems to be like, there's a lot of anxiety in my generation, a lot of, like, lack of accountability, which I've noticed a lot lot of, like, lack of responsibility. And it's almost like self indulgent in a way, where it's like, oh I'm so lazy, or Oh, I'm so this, or I'm so that, and it's just kind of weird. You don't really get that much with like the athletes. Back to the social aspect. I don't know if you've seen that headline recently, that's like, the alcohol industry has lost eight, $30 million over the past four years because he doesn't drink. The real story isn't about Gen Z not wanting to drink alcohol. It's about Gen Z, not like really being social, right? I mean, I don't see that many like, Hangouts as much as, like, when I hear from, like my parents, you know, every night you're going somewhere with your friends or your you know, you're going to the bar, you're going to a bonfire, or things like that. And it's just, you don't see it as much. A lot of people are just in their rooms or online and, you know, the online gaming, online gaming, I don't game a lot, but gaming with friends is actually really fun to do sometimes. But everything's a lot more digital, you know, from the communication to like the spaces, you know, where you hang out, whether it's video games or whether it's VR chat, and some people do that, or discord, or just like internet forums and things like that. Yeah, just lot more digital.    Keith Weinhold  11:24   Yeah, you use little or no social media. Personally, I know you manage the Instagram page for your real estate organization, but yeah, there is more of this perception of in person, social life, maybe not dead, but dying. I've learned that 51% of 18 to 24 year old men have never asked out a woman in person you were sharing with me at how you know people have anxiety just about ordering food in person at a restaurant in Gen Z.    Hunter Taddy  11:54   That's actually funny. So because of how that conversation escalated, I technically did ask her out in Snapchat, but then she was like, you have to ask me out in person. And then I did eventually ask her out in person.    Keith Weinhold  12:06   Now, when it comes to in person meetings, after a few meetings with you, I noticed something rare when it's about seeing people in person, you have virtues that I think are somewhat rare for Generation Z. I mean, you actually show up on time. This this chat we're having right now. It's the fourth time we've gotten together, and you actually showed up early each of the four times, which is something that I really notice and appreciate, which, even for people my age, it seems like it's a virtue that they've lost. I mean, showing up on time is just common decency. That's just doing what you said that you were going to do. I find that pretty interesting. But when it comes to your generation being in college now, I mean, college is tough. You know, when I went to college, I took on student loans. My parents and I each paid for half of the tuition, and also worked a part time job while I was there. So I mean, you hang out with a lot of athletes, but how is it with balancing, you know, the income and student loans? Because, you know, college kids are still pretty poor   Hunter Taddy  13:10   I wanted to run for a division two program, because you can get athletic scholarship. I came in as a walk on. I'm not on any athletic scholarship. I get free housing and free meals for being an RA. Yeah, with my RA position, I actually got the RA position my second semester. So I got it as a freshman, which was like, really, really clutch. So my dad was in the Air Force for 20 years, and I got the GI bill for like, I think, six months. So I got my two first semesters of tuition paid for, and then I got some, like, some money for, like, housing and stuff. I mean, I pocketed most of that just because, I mean, I got it for free already. I don't get any more help from the GI Bill, because I'm not in Wisconsin. But if I went to Wisconsin, I could go to any school for free, like, tuition free. So, I mean, sometimes I do think about that, but with my real estate program. I mean, oh my gosh, the scholarship deadline. Every year they give out like, $50,000 in scholarships. A lot of them are from Widener and then just other like local real estate companies in the area. Last year, I got a $2,500 scholarship to travel to the National Apartment Association's apartmentalized It's like, their yearly conference in Las Vegas, and that was pretty cool. So that stuff kind of went over my head, but a lot of the stuff about AI was, like, just really interesting to hear, especially just about property management. And it's crazy to me, because, like, AI is almost like, my generation's thing, since we're, like, growing up with it, yeah. And then hearing, like, a lot of like, the older people in the property management profession talk about, I mean, they're still talking about when they had to keep their records on pen and paper, or, like, files and stuff. And I'm like, This is crazy. So I have scholarships with the real estate program, if I'm lucky, I can get up to almost $10,000 after the spring. It's.That means I pay in state tuition because I live on campus. It was a deal they were running after covid. So that's only like $5,700 I mean, my scholarships will be able to cover that. This semester, I paid like 2000 of it or something, and then my parents were kind enough to cover the rest, and then I'm going to pay them back right away after the year ends once I get those scholarships. And then, yeah, I get $11 an hour for working desk at my RA job. It's tax free, so, I mean, it's not totally bad, but I don't working desk hours that much because we only have them at night. And then, you know, being an athlete, I don't like staying up until, you know, one o'clock sometimes. I mean, the other night, I had to work a nine to three desk shift, and that screwed my whole for an entire week. Yeah. Okay,    Keith Weinhold  15:48   so when you graduate college in a few years, you could very well come out with a lower student loan balance than a lot of others did, although you might still have an informal loan with dad in there as well. How do you and a lot of people of your generation see your financial future? They sure can be hard to predict, but a lot of people see this crushing debt with student loans, and I wonder, even though it could be far into the future if really Gen Z thinks that they're ever going to be able to afford a home. Now, when it comes to the student loans, I know I shared with you when we sat down for coffee that I had a balance. I think it was like a $20,000 balance when I graduated, because again, my parents paid half of it and I worked part time when I went to school, I shared with you that I just took that balance and paid very little interest on my student loan balance because I kept transferring it repeatedly onto these 0% APR credit cards, and when my introductory rate expired on one card, I would just transfer it onto another card. So I've long been comfortable with debt.    Hunter Taddy  16:52   So me, personally, I do not want to take out a loan from any entity. I'm very fortunate and privileged that my parents are able to, you know, front that money for me when I need it. When I need it, I try to pay them back right away. I do not want student loans like my goal is to get out of college, you know, without owing anybody any money. It's weird, because I'm from such a small town in Wisconsin, and I view trades a lot differently than, like a lot of my peers who grew up in the big cities, I know blue collar millionaires, right? People who just, you know, put their nose to the grindstone, pouring concrete. You know, working driving a semi. Only do that for maybe five or 10 years, like my cousins. My cousin pours concrete, and then the other one, I think, works for construction company, the Midwestern work ethic, they're sitting on 10s of 1000s of dollars in their savings account right now. You can make the argument. Well, their back is going to give out in a couple years. And some of that's true. But also, you know, you don't have to be the guy pouring concrete for how long. You could be the business owner, or you could be the guy who's the plumber for 510, years, and then, you know, start your own plumbing business. That's why I don't look at student loans as, like, I need this college degree to, like, make money or be successful. Like, I've met a lot of people who legitimately have that mindset. That's like, I understand that if you've grown up in that sort of, like sphere, you've grown up with those ideas. But to me, it's like, I know if I can't pay for college, or if I don't graduate college, I know I'm going to be fine. I could go, you know, work construction, or I could go, you know, mow lawns or something. I know, I guess I just view it differently. But a lot of people think they need those student loans. So, I mean, they sign up for them. And I looked it up the other day, the average time to pay off student loans is, like, 20 years or something like that. Yeah, I believe it. That is kind of sad. That's insane to me. I want my lawyers going to college. I want my doctors going to college. I want to college. I want all these people to have a good education. But I mean, like 100,000 to $200,000 I just see that, and it's like, oh, I don't know, man, I sign up for the fast flow every year, but I never get anything Free Application for Federal Student Aid, yeah, but I know some people get, like, Pell Grants. If I'm not wrong, I think the Pell Grants are just, I don't know they have to pay those back. It seemed like I was applying for the Stafford Loan. I was lower middle class. I don't think we quite qualified for the Pell grant. The grant being like, free money and a loan of stuff that you need to pay back. Yeah, of course. And of course, in addition to student loans, we regularly have students using credit cards and probably not being able to pay the full balance, is they make their way and try to pay their way through college. That's certainly one thing that I did.    Hunter Taddy  19:28   Here's something for you, DoorDash, my generation and DoorDash is so crazy. I mean, I look at some of these people we have like a desk, at some of the halls, and the amount of people who just DoorDash some of these people are doordashing every night. And that's not cheap, like, that's sometimes it's like 30 bucks just to get Taco Bell or, you know, Wingstop or something like that, and then Klarna, it's like, finance a pizza. Like, what are we doing here?    Keith Weinhold  19:54   Sure, yeah, you're making a down payment on a blooming onion and financing it and making the last payment on it. Years later or something. Yeah, crazy like that, 100% and yeah, I would imagine home ownership is just seen as something that's so far into the future, it's almost unfathomable.    Hunter Taddy  20:12   Yeah, it's funny to me, because, you know, I come from, again, very small town, the cost of living is, like, extremely low compared to the country. I'm pretty sure Green Bay was voted number one place to live by us, News and World Report couple years ago, number one place to live in the United States. But more of the people back home who work these jobs in the trades, like the thought of owning a home seems a lot more real to them than my friends who are in college. And a lot of that has to do with, you know, like we're in bigger cities. Again, people have more debt, but yeah, I mean, you look at those prices of homes, I think the median home price in Anchorage is like $426,000 and just, you know, looking at that numbers like, how am I ever going to afford that? One of my friends, he's in the real estate program. He's got $40,000 saved up. He's got his Roth IRA maxed out. It's weird, because this is one of the points I want to make. So in my generation, you have people who have all these resources, you know, especially with the internet, and they're doing very well with it. They're taking it and they're running with it. And then you have the other part of my generation who's doing the buy now, pay later option. It's almost like a upside down bell curve or something like that. The people who are good are getting so much better, and the people who are making the bad decisions are getting so much more worse.    Keith Weinhold  21:25   Ah, the K shaped economy starts young.   Hunter Taddy  21:27    It's just interesting to see sometimes, because you have some people like, I can't afford this, I can't afford that, and it's like, yeah, being college student is hard. But then it's like, you buy your $6 coffee every day, and it's, you know, I'm guilty of that too. My spending habits aren't the best. And then you look at like home ownership inflation is real. Cost of living is getting higher. But also my dad talks about this a lot like our standards are getting so much higher, too great. Our houses are getting bigger. Kids don't share bedrooms anymore. All our kids have to have our phone. All our kids have to have the newest thing or the newest coat. And you know, you want nice things for your family. I get that, you know, I don't have a family, so I can only talk about this so much. But I mean, our standards are getting a lot, a lot higher as well. I mean, you look at our grandparents houses, and they're like, these, just small, one story houses, one bathroom. You know, I look at the house that my dad grew up and he shared a room with his brother until he graduated, right? And then you look at all these families kids live in their bedroom, it's so weird to me that like siblings, they know each other, but they don't know each other because they're sitting in their rooms all day and they're looking at their phones.    Keith Weinhold  22:31   You surface a good and salient point hunter that a lot of people don't bring up because the K shaped economy that means a widening disparity between the haves and the have nots, but the entire K also keeps moving up, so standards of living continue to get better for both the haves and the have nots, even though the disparity between them continues to widen, and yes, a poor person today has Wi Fi and has Air Conditioning and a lot of minor conveniences that poor people didn't have 75 years ago. You're listening to get rich education. We're doing something different this week, talking to the youngest guest in GRE history. His name's Hunter toddy. We're going to talk more when we come back about what he's learning in classes, economics and real estate classes, because that is one thing that college students do. Remember, I'm your host. Keith Weinhold.    Keith Weinhold  23:24   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE. That's f, l, O, C, K, homes.com/g.R, E,    Keith Weinhold  24:00   you know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program, why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre,or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Robert Kiyosaki  25:12   this is our rich dad. Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold don't quit your daydream   Keith Weinhold  25:26   Welcome back to get rich Education. I'm your host. Keith winehill, we're talking with Gen Z and student athlete Hunter toddy. He's a sophomore college student, and he's got a management degree with a concentration in real estate investing. So yeah, Hunter, tell us some of the things that you've learned about in an economics class or two that you've taken there at UAA.    Hunter Taddy  25:51   So I had an economics class last semester, but the teacher is basically tenured, and he only posted YouTube videos and like three quizzes was like the entire grade. He made us great at 2000 wasn't gonna say and didn't even grade it. So I didn't learn anything about economics, but that was macro, and now I'm in micro. And this professor, he's fantastic. He talks to Anchorage and Alaska legislators all the time. He was on Meet the Press Like he's very, very, very, very smart and well spoken, one of my and professors, and he's also Yale educated, as I understand. Yeah, I always get crap from my cross country teammates because most of them are STEM majors. There's a lot of engineers, and then there's, you know, you have people who are in, like, kinesiology, and then a lot of aviation, but they always give me crap because, like, oh, business, it's supply and demand, blah, blah, blah. But then, like, legitimately, economics has been so fascinating for me, just like, you know, consumer behavior, opportunity cost, trade off. One of the things is rent control, right? Definitely a big conversation, especially in, like, my generation, you know, because of all these rising prices. And then, you know, the landlord always gets the negative connotation, right? Landlords are greedy. I wouldn't even as a college student. Well, you think about rent control is like as soon as you put that binding price ceiling on the rent prices in an area, that's why there's not enough housing on the West Coast. That's why landlords are painting over the light switches, or they're not fixing your toilet, or they're not fixing the leaky sink. There's just a lack of understanding general society about, like, just how markets work and why. You know, businesses make certain decisions that they do. That's one thing with, like, a lot of my generation, is a lot of them are almost anti business, in a sense, right? In a sense, but they love being consumers. What my dad talks about a lot is as the business owner, like when you work for a company, a lot of the times you can clock in, clock out, you go home and you lay your head on the pillow, and you don't have to worry about anything, right? But when you're the business owner, like my dad, and if you have a lot of anxiety, like he does, about certain things, and you stress a lot, you're up at 2am wondering if the LVP you put in someone's kitchen is going to buckle, well, then you're gonna have to go back and fix it all and all these things, and so I definitely have a lot more to say understanding for like business owners and like landlords. Yeah, the economics classes just broaden my understanding of how the world works. I think that's a class everyone should take, and it is a general ed but I think it's a class everyone should pay attention to as well.    Keith Weinhold  28:18   Sure, rent control gives landlords no incentive to make improvements to a property. So yeah, it's good that you're learning about this in econ class. Tell us about some of the other things that you've learned in economics or in your more real estate investor centric college courses.    Hunter Taddy  28:36   So I'll focus more on the real estate stuff. So Dean Widener, Widener apartment homes, one of the top five, I think, largest owners of apartment homes in terms of units like in the United States, right? He basically came to Anchorage, and he wanted to build the Widener program, basically like a farm for property managers, like, you know, give this education. And then they, you know, they come work for widener. They come work for, you know, whoever a lot of the education has to do with property management. So there's leasing, asset maintenance. Talk a lot about operating budgets, risk management. All students in the program memorize the cash flow performer by heart. So, you know, you have gross potential income loss to lease, vacancy, net revenue, other income, expense reimbursements. Maddie poo, which is maintenance, admin, taxes, insurance, payroll and utilities. Have you heard that acronym before? What is it? Yeah. Maddie poo, I pretty sure my professor, like, that's kind of like his thing. I didn't finish it all, but we have it all memorized, and then we do, like, a lot of fair housing and landlord tenant law. Yesterday, in my Real Estate Investment Finance course, we were analyzing loans, and we were making like amortization tables, yeah. And then so we were looking at like interest rates, how a balloon loan works, variable interest rates. I took real estate Maintenance and risk last semester, and that was really awesome. We got to visit buildings all across Anchorage and talk with the property managers, talk about maintenance systems, general maintenance of the property, property management, the day to day, things like that. And then leasing, we actually had us basically go undercover. We have to have three properties, and we go do a showing at all of them, and then we had to review them, and we did a presentation about them, and, like, we basically reviewed them and graded, like the leasing agent, and how they did that one was really cool.    Keith Weinhold  30:33   Okay, so the mock tenant, grading a leasing agent, yeah, then showing you amenities, explaining lease length, things like that,    Hunter Taddy  30:41   and then seeing if, you know, they violated any like Fair Housing things. He said, Don't necessarily try and bait them, but one of the questions that one of my classmates asked, so what kind of people live here? And then the good property manager, you know, it says we rent to anyone that fits our criteria. And then you have some people that's like, oh, you should have said that. Yeah, yeah, it's pretty touchy, age, race, family status, right? Yeah. So we definitely have that drilled in our heads as well, like landlord tenant law and then, like, fair housing, you    Keith Weinhold  31:11   told me something interesting when we got together, when you run the numbers for property, that the numbers always work better in one condition than they do in another.    Hunter Taddy  31:20   So we do cap rate. And so cap rate is noi over value, I believe, yep. So we analyze the cap rates for all the properties, and then we see what is our return if we pay cash or whatever is our return when we pay leverage. And sometimes it's better if you pay cash, or sometimes it's better if it's leveraged. But I always think even if you could pay cash, you pay, say, $3 million for the whole complex, well, you could put a $500,000 down payment on six other properties. So I always thought that was weird, because that's just, I read Rich Dad, Poor Dad, after my dad recommended it to me, and then it just talking to my dad about leveraged investments. Yeah, why don't you do that instead? Oh, he said,    Keith Weinhold  32:00   right, as long as you control your cash flow and pay the mortgage and the operating expenses. Yeah, we typically talk about getting the leverage here, because the appreciation grade has absolutely nothing to do with the amount of equity that's in the property. Is there anything else interesting that you learned from going out in the field and actually seeing some properties or talking to some managers? And I think this is really interesting, because a lot of times when people graduate college, they tend to broad brushstroke students or new graduates, and say, Yeah, but they haven't gotten out in the real world yet, but you actually are as a student.    Hunter Taddy  32:33   Yeah. So that's one thing I really love about our program, and I really love our professor. He owns properties himself. It's not like a pyramid scheme thing where, like, almost like, you're going to college to learn how to be a professor, and sometimes that we need those people for, like, research and stuff. But like, he's actually done the work. He knows what it's like. He can relate to things that we're talking about. Yeah, we get a lot of that real world experience, which is really awesome going about that, like the leasing experience. One of the things with, like, a lot of the managers, especially in Anchorage, because there's such a housing shortage, a lot of them didn't really like try, because they like, almost don't have to, because, I think a lot of them assume you're gonna lease someone anyways, no matter, because it's not necessarily really competitive. So because the vacancy rate is so small, yeah. So it's just like, here's the kitchen. You know, we're actually taught in leasing class, leasing strategies. And also, what's really good about our classes, we read, like, a lot of personal growth books in our classes. So like in our leasing class, our professor had us read The Seven Habits of Highly Effective People, Stephen Covey and yeah. And then I think for our real estate investment class, we're going to read the compounding effect. I don't know what it's about, but I mean, I really appreciate how our professor gives us, like, those books and that knowledge that's not just, you know, specific to real estate. It's like how to become like a better person, or how to become better at personal finance in general.    Keith Weinhold  33:58   All right, so some conceptual and some mindset stuff, along with more of the hands on and more of the numbers. Well, before I ask you, what's next for you, do you have any last thoughts with what you've learned in class, or just anything overall about your generation and lifestyle and getting along financially? For a college student,    Hunter Taddy  34:18   in April, I'm going down to Austin for the property con, which is Institute of real estate management, big conference. I think they have this one every year too. I think John Quinones, the guy from what would you do, is going to be like one of the keynote speakers. So looking forward to that, definitely looking forward to some of, like, learning more about, like AI, and how it's used in, like, the property management, like real estate sphere, and then I'm kind of interested in green building, because it almost seems to be like, Win win, right? Because better for the environment and then better for the investor most of the time, you know, like, through these retrofits, like you're just switching to LED light bulbs, we actually, we ran those numbers a lot in my.In its class. Like, you know, what would it be like if you switch from iridescent to LED light bulbs? And it's like, that's like, what are the things that all property managers should do? Because you're saving, sometimes 1000s of dollars and seven or 10 year period, or whatever it is, improve the cap rate, right there? Yeah, I want to definitely learn more about, like, the green building. And also, just because, you know, I'm a healthy person, when I build my house one day, I don't want to have, like, a lot of toxic materials and stuff as well. I have one friend. He's really, really dialed in his health. They're talked about him with you before, but he, like, he's not even have drywall in his house because there's some, like, toxic thing in drywall, or something, like, he's gonna build it out of brick and mud or something, I don't know.    Keith Weinhold  35:39   Oh, he can't just go live in any rental. Yeah, well, Hunter, this has been really good. Your dad owns rentals in Wisconsin, and like you mentioned, he's red, Rich Dad, Poor Dad himself. So that's kind of an influence on you. And you do have a management internship back in Wisconsin this summer. But before we go on, you mentioned to me that your dad owns a certain type of apartments in Wisconsin, and I've never heard of that type before. What are they called? And then, what does that mean?    Keith Weinhold  36:06   I think the name is local to the city itself in Manitowoc, Wisconsin. So they're called custerdales. I think there were homes built after World War Two, I believe, for like GIS and things like that so well. Just before he got in the Air Force, he was in Saudi Arabia for a year, and he was thinking about, you know, what am I going to do when I retire? Because he knew after the year was done, he was going to retire and come back to Wisconsin. And one of his friends got him into real estate, and he talked to my mom a little bit, and they just started buying properties. So that was in 2018 and now they own about 70 units, mostly duplexes, with their biggest being a five Plex. They also have a 18 bed assisted living facility. Most of the the 70 units are called custerdales. They're all like, cookie cutter, like, the same they're basically the same layout, you know, sometimes it's just flipped or whatever. And he basically did the same thing each time, a lot of them were, like, really run down ones that they purchased had someone with a chicken living on top of the refrigerator. And then when they locked the place up after they bought it, he broke back in and took stuff. And so they've really, actually, like, helped the community in a way, by remodeling a lot of these homes. And then my dad would refinance them, and then he would take that money and then invest it into another property. And he just kept doing that again and again and again. Yeah, so buy and hold we self manage, because there's not really a reputable property management service in the area. This is near Manitowoc, Wisconsin. Maybe you've heard that name before. Manitowoc, they make heavy construction equipment, and you are going back to Wisconsin this summer for a management related internship, yeah, well, Hunter, well, this has been great talking about what your generation's like, what you do in your classes, and the practical experience that you're already getting as a 19 year old. I mean, you're just substantially further ahead than I was as a geography degree student and major way back in the day, if anyone wants to reach out to you, see what you're doing, or contact you. What's the best way for them to do that? Hunter.    Hunter Taddy  38:09   So I don't have Instagram or Facebook, but I do have LinkedIn. So if you just search Hunter toddy again, T, A, D, D, y, on LinkedIn, you can find me there. Also just give my email. It's H hottie 007 at Gmail.    Keith Weinhold  38:26   All right, look that up if you want to reach out to Hunter. Yeah, it's been great having you here. Thanks so much for coming on to the show.    Hunter Taddy  38:32   Thanks forhaving me.    Keith Weinhold  38:40   Yeah, a fresh perspective from college student, Hunter toddy today. He has got his act together amazingly well for a teenager, and you know, talking to him made me think about something like I said when I graduated college, and it was just with a bachelor's degree. By the way, pretty humble bachelor's double major, geography and regional planning, I had that 20k in student loan debt, which I transferred onto 0% APR credit cards, over and over again and inflation adjusted terms, that might be 40k in today's dollars. I had no incentive to pay it down, let alone pay it off, since my finance charges were essentially zero, so that's why I probably carried that balance for close to 20 years. But this is the first time that I thought about the fact that that very habit was probably a benefit to me, not because it saved me from paying interest on student loans, but because it got me comfortable withholding debt for the long term and rationalizing that there would be an opportunity cost of paying off that debt, because a payoff would have meant that I would forego the opportunity of investing those dollars to get gains, that habit got me comfortable with prudently using debt and leverage as a real estate investor, and that helped me own and control more property sooner. So it was a somewhat autodidactic approach to good debt. Today, we talk with a young, likely soon to be investor, oppositely next week here on the show. We're talking about the book end, on the other side of the shelf, and that is when you're ready to retire from real estate, you can exchange your properties into a fund, pay zero capital gains tax or depreciation recapture. And unlike a 1031 exchange, what you've done is you have totally exited the direct real estate business with a 721, exchange, and you still get financial upside with zero management duties retired. Finally, if you've ever wanted to tell me what you think about the GRE podcast, if this show has given you some fresh perspective or helped you become a better investor. The best way to support the show is to leave a quick rating or review. It helps more investors discover the show. Here's how to do it inside the get rich education Show page on Apple podcasts, scroll about halfway down to ratings and reviews. Tap the purple stars to rate, and then tap the purple words write a review on Spotify from the get rich education podcast, tap the three dots near the top of the show page, tap rate podcast and leave your star rating. That's all it takes. It's crazy that this show has almost 6 million total listener downloads, but yet, across all platforms, we have perhaps only 1000 reviews, and that's probably because I rarely ask for them. I would greatly appreciate it. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  41:59   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  42:27   The preceding program was brought to you by your home for wealth, building, get richeducation.com  

If income-driven repayment flexibility matters to you, don't wait until summer 2026. Any federal loans disbursed on or after July 1, 2026, lose access to IBR, ICR, and PAYE. Because consolidation can take months to process, treat April 1, 2026 as your planning deadline. FREQUENTLY ASKED QUESTIONS What is changing with income-driven repayment? The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, restructures federal student loan repayment starting July 1, 2026. Loans disbursed on or after that date are limited to a new Standard Repayment Plan or the Repayment Assistance Plan (RAP). Legacy plans — IBR, ICR, and PAYE — will not be available for those loans. Are IBR, ICR, and PAYE going away entirely? Not immediately. Borrowers with loans disbursed before July 1, 2026, who take on no new loans after that date, can still enroll in or remain on IBR, ICR, or PAYE. That said, per NASFAA's bill analysis, borrowers on ICR or PAYE must move to IBR, a standard plan, or RAP by July 1, 2028 — otherwise they are automatically placed in RAP. IBR remains available for existing borrowers on an ongoing basis. Why does consolidation matter? Borrowers with FFEL loans, Perkins loans, or mixed federal portfolios often must consolidate into a Direct Consolidation Loan to access income-driven repayment at all. Under the OBBBA, that loan must be disbursed — not just applied for — by June 30, 2026. A consolidation disbursed on or after July 1, 2026 loses access to IBR, ICR, and PAYE, even for borrowers previously enrolled in those plans. Parent PLUS borrowers have an additional requirement: a consolidation loan used to pay off a Parent PLUS loan must enter repayment under ICR before July 1, 2026 to preserve later IBR eligibility. Why April 1? April 1 is not in the law — it's a practical safety deadline. Federal Student Aid encourages borrowers who need to consolidate to apply at least three months before July 1, 2026 to ensure disbursement clears by June 30. Three months back from July 1 is April 1. What counts as "disbursed"? Disbursement means the consolidation loan has been fully processed, the underlying loans paid off, and a new Direct Consolidation Loan officially issued. Submitting an application or receiving approval does not count if the actual disbursement occurs on or after July 1, 2026. Should everyone consolidate before April 1? No — consolidation is not automatically the right move. Consider the impact on interest capitalization, existing borrower benefits, and forgiveness timelines before acting. The goal isn't "everyone consolidate." It's everyone check. Log in to StudentAid.gov, review your loan types, and determine whether action is needed before the window closes. REFERENCES NASFAA (2026, January). Federal student aid changes from the One Big Beautiful Bill Act. https://www.nasfaa.org/uploads/documents/Federal_Student_Aid_Change_OB3.pdf U.S. Department of Education, Federal Student Aid. Big updates: Changes to federal student loan repayment. https://studentaid.gov/announcements-events/big-updates U.S. Congress (2025). H.R. 1 — One Big Beautiful Bill Act (119th Congress). https://www.congress.gov/bill/119th-congress/house-bill/1/text

Dr. Mark A. Brown is a distinguished leader whose journey spans military service, government stewardship, and higher‑education transformation. A Tuskegee University alumnus who rose from humble beginnings, he served 32 years in the United States Air Force, retiring as a Major General and shaping the future of airmen through education, training, and talent development. After military service, he was appointed Chief Operating Officer for Federal Student Aid at the U.S. Department of Education, overseeing more than $1.7 trillion in federal student loans and grants. Today, as President of Tuskegee University, Dr. Brown brings together his lived experience, deep belief in access and equity, and commitment to innovation—leading one of America's most historic institutions with purpose, humility, and a relentless focus on unlocking human potential.

The Education Department's workers union is pushing back after more than 100 technology-related employees lost their collective bargaining protections last month under an executive order citing national security and cybersecurity risks tied to their roles. About 120 employees in the agency's Office of the Chief Information Officer and Federal Student Aid's Office of the Chief Technology Officer were told late last month they no longer had union protections due to the nature of their positions, according to AFGE Local 252, which represents Education Department employees. The notification came nearly nine months after President Donald Trump signed an executive order ending collective bargaining rights for labor unions at various federal agencies. The order included some agencies in their entirety, along with some positions across the government that have a determined “primary function” involving intelligence, counterintelligence, investigative, or national security work. While the CTO and OCIO employees work with technology that could have cybersecurity ties, AFGE Local 252 argues this does not involve intelligence work that would warrant such a ban. “The Department of Education does not engage in any intelligence, counter-intelligence, investigative, or national security work,” AFGE 252 President Rachel Gittleman told FedScoop in an interview, suggesting the move is “just a way to strip labor rights of our federal workforce.” The FSA CTO office specifically does “work on technology” and products, but not information resources management, as the order states, Gittleman explained. FSA employees primarily focus on the office's website, income-driven repayment applications, FAFSA, and public service loan forgiveness applications. An American stealth fighter jet shot down an Iranian one-way attack drone in the Arabian Sea Tuesday after it “aggressively approached” a U.S. aircraft carrier “with unclear intent,” according to a statement from U.S. Central Command. Just hours after the shootdown, two Iranian Islamic Revolutionary Guard Corps ships accompanied by another unmanned aerial system — this one an Iranian Mohajer drone — approached a U.S.-flagged tanker in the Strait of Hormuz, threatening to board and seize the vessel, the statement from Centcom spokesperson Capt. Tim Hawkins said. The dual incidents could spell increased tensions between Washington and Tehran after President Donald Trump threatened military action against Iran over its deadly suppression of protests last month and amid broader nuclear negotiations that could begin this week. The jet, an F-35C Lightning II, launched from the USS Abraham Lincoln, which was transiting the Arabian Sea roughly 500 miles from Iran's southern coast, Centcom said. The Centcom statement did not identify the unit the jet belongs to, but Marine Fighter Attack Squadron-314, the Black Knights, were photographed by the military operating off the Lincoln several days ago. The long-range Iranian drone — a Shahed-139 UAS known for its use in the Russia-Ukraine war and being reverse-engineered into a U.S. military one-way attack drone — “continued to fly toward the ship despite de-escalatory measures taken by U.S. forces operating in international waters,” the command said. The F-35C shot it down “in self-defense” and to protect the Lincoln and her crew, according to the statement, which said that no service members were harmed and no American equipment was damaged. The Daily Scoop Podcast is available every Monday-Friday afternoon. If you want to hear more of the latest from Washington, subscribe to The Daily Scoop Podcast  on Apple Podcasts, Soundcloud, Spotify and YouTube.

This episode highlights updates from USDE on the proposed settlement for the SAVE plan, and the impacts of the Somali fraud scandal in Minnesota extend to Federal Student Aid being robbed with ghost students, and much more.    ©2025 - DAS Financial Aid Consulting Services, LLC - All Rights Reserved

In this episode, Matt and Jamison discuss the significant next steps announced by Secretary Linda McMahon in the effort to close the Department of Education. Since permanent closure requires Congress, the department is moving programs through inter-agency agreements with several programs transferring to other agencies including the State Department and Department of Labor.The hosts focus on the consequential move of elementary and secondary education to the Department of Labor, which raises concerns about balancing workforce preparation (like Career and Technical Education) with virtue development and knowledge acquisition. Programs statutorily required to remain at the DOE include the Office for Civil Rights (Title IX), Federal Student Aid, and Special Education. AACS schools are advised to anticipate changes regarding the administration of Title funding. The episode wraps up by celebrating Maureen Van Den Berg's 20-year milestone with AACS.

Friday's episode provides updates from Federal Student Aid on how the government shutdown is affecting students' and their families' lives and their livelihoods.    ©2025 - DAS Financial Aid Consulting Services, LLC - All Rights Reserved

If you have a student loan or are considering your options for a loan, this episode is for you. The hosts of Making Cents of Money discuss the latest updates of repayment plans and break down how the decisions you make now will impact your financial future. Show Notes: Federal Resources • U.S. Department of Education, Federal Student Aid. (n.d.). Federal Student Aid. StudentAid.gov. https://studentaid.gov • Equifax, Experian, & TransUnion. (n.d.). Annual Credit Report. AnnualCreditReport.com. https://www.annualcreditreport.com University of Illinois System Resources • University of Illinois System, University Bursar. (2025). Know what you owe. https://paymybill.uillinois.edu/student_loans/know_what_you_owe • University of Illinois System, Student Money Management Center. (n.d.). Student loans. https://www.studentmoney.uillinois.edu/learn/studentloans Prior Related Making Cents of Money Podcast Episodes • Federal Student Loan Forgiveness (ep. 48): https://blogs.uofi.uillinois.edu/view/7550/1805186696 • Paying for College with Scholarships (ep. 52): https://blogs.uofi.uillinois.edu/view/7550/19876420 • Return to Repayment Update (ep. 60): https://blogs.uofi.uillinois.edu/view/7550/2144507315 • Understanding FAFSA (ep. 72): https://blogs.uofi.uillinois.edu/view/7550/180972984 • Loan Payments Resumed in October (ep. 73): https://blogs.uofi.uillinois.edu/view/7550/1498217343 • April 30th Student Loan Deadline (ep. 81): https://blogs.uofi.uillinois.edu/view/7550/706826894 • Back to School: College and Credit (ep. 90): https://blogs.uofi.uillinois.edu/view/7550/1942070018 • PSLF Seekers in SAVE: Costs of Administrative Forbearance (ep. 92): https://blogs.uofi.uillinois.edu/view/7550/514139128 • On-Ramp to Repayment Ends 9/30 for Federal Loan Borrowers (ep. 93): https://blogs.uofi.uillinois.edu/view/7550/699654176 • Federal Student Loan Updates [Debt Collection Resumes] (ep. 110): https://blogs.uofi.uillinois.edu/view/7550/1101960728 • The Role of Loan Servicers (ep. 114): https://blogs.uofi.uillinois.edu/view/7550/681485881 Webinar Recording • Pellegrini, A., & Giancola-Shank, N. (2025, March 6). Student loan management #GetSavvy webinar recording [Video]. YouTube. https://youtu.be/_9duc7kvTqg?si=gZGRCFfSTAJ3HF6A Register for April 2026 Student Loan Repayment webinar at https://go.uillinois.edu/getsavvywebinars.

Lynne Baker, Managing Director of Communications of the Illinois Student Assistance Commission joins Lisa Dent to share everything you need to know when applying for Federal Student Aid.

This episode features a panel discussion on the role of AI in workforce development within federal agencies at the AI Acquisition Forum 2025. Led by David Vennergrund, Vice President for AI at GDIT, the panel includes distinguished guests: Andrea Brandon from the US Department of the Interior, Florence Kasule from the Department of Education's Federal Student Aid office, and Wole Moses, Chief AI Officer at Microsoft's federal civilian division. The conversation delves into the evolving landscape of AI, focusing on training, innovation, and integrating AI across various federal roles. They also discuss practical strategies for implementing AI, such as sandbox environments and community-driven initiatives. Subscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)

He lasted only two months at his IRS gig. Yes, we're talking about former Missouri Congressman Billy Long.  This is the Business News Headlines for Friday the 8th day of August, thanks for being here. In other news, The President says he does not trust the job numbers, however Wall Street does. The Commander of the Moon Mission, Jim Lovell has died and we'll remember him. The Free Application for Federal Student Aid is open in a beta mode. Zillow is sounding an alarm when it comes to the housing market.  We've got the Wall Street Report and it looks like Bed Bath and Beyond is coming back from…beyond. Let's go… Thanks for listening! The award winning Insight on Business the News Hour with Michael Libbie is the only weekday business news podcast in the Midwest. The national, regional and some local business news along with long-form business interviews can be heard Monday - Friday. You can subscribe on  PlayerFM, Podbean, iTunes, Spotify, Stitcher or TuneIn Radio. And you can catch The Business News Hour Week in Review each Sunday Noon Central on News/Talk 1540 KXEL. The Business News Hour is a production of Insight Advertising, Marketing & Communications. You can follow us on Twitter @IoB_NewsHour...and on Threads @Insight_On_Business.

This month, two Supreme Court decisions allowed the Trump administration to move forward with significant federal layoffs, including many at the Departments of Education and State.The State Department laid off senior intelligence analysts specializing in Russia and Ukraine, right as the U.S. ramps up its maneuvering to encourage Vladimir Putin to agree to a peace deal.And at the Department of Education, the Federal Student Aid office, responsible for administering student loans and Pell Grants, lost hundreds of people.We break down both situations.Want to support 1A? Give to your local public radio station and subscribe to this podcast. Have questions? Connect with us. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

In this week's MBA Admissions podcast we began by discussing the recent events and activities that Clear Admit has been involved in, including our MBA Fair in Boston, and online admissions events series that wrapped up last week. More than 600 attendees participated in our most recent virtual event, which included admissions representatives from UPenn / Wharton, Stanford, Texas / McCombs, Columbia and Yale SOM. Graham noted two articles that have been recently published on Clear Admit. The first focuses on the different teaching methods that are used in top MBA programs. The second focuses on financial aid issues relevant to U.S.-based candidates, including FAFSA (Free Application for Federal Student Aid). Graham then highlighted two Real Numbers articles that focus on Consumer-Packaged Goods (CPG) and Health Care placements. Graham highlighted five Real Humans alumni spotlights, alums from Yale SOM working at Amazon, IMD working at Disney, Cornell / Johnson working at Invenergy, UPenn / Wharton working at Aepnus Technology, and Chicago / Booth working at American Express. For this week, for the candidate profile review portion of the show, Alex selected two ApplyWire entries and one DecisionWire entry: This week's first MBA admissions candidate has a 695 GMAT and 3.8 GPA. They are seeking a top MBA with goals to pivot to the entertainment industry. This week's second MBA candidate has not yet taken the GMAT, but everything else about their profile looks very strong. Their long-term goal is to develop a chain of dental practices. The final MBA candidate is deciding between Northwestern / Kellogg, with a significant scholarship, and Harvard. They want to work in venture capital or private equity. This episode was recorded in Paris, France and Cornwall, England. It was produced and engineered by the fabulous Dennis Crowley in Philadelphia, USA. Thanks to all of you who've been joining us and please remember to rate and review this show wherever you listen!

This month, the federal government began taking action against student loan borrowers with accounts in default. In this episode of Making Cents of Money, learn what that means for borrowers and what options might be available. Show Notes: Cunningham, M. (2025, May 5). Student loan collections resume as record number of borrowers fall behind. CBS News. https://www.cbsnews.com/news/defaulted-loans-restart-collection-delinquency-may-5/ Dunbar, M. (2025, May 6). US student loan collections resume: Here's what you need to know. The Guardian. https://www.theguardian.com/us-news/2025/may/06/us-student-loan-collections-explainer Federal Student Aid. (n.d.). Rehabilitated loan. U.S. Department of Education. https://studentaid.gov/help-center/answers/article/loan-rehabilitation Federal Student Aid. (n.d.). What is the difference between student loan delinquency and default? U.S. Department of Education. https://studentaid.gov/help-center/answers/article/what-is-difference-between-loan-delinquency-and-default Hanson, M. (2025, March 16). Student loan debt statistics [2025]. Education Data Initiative. https://educationdata.org/student-loan-debt-statistics Kim, J. (2024, September 30). Deadline for Fresh Start defaulted student loans program gets extended. NPR. https://www.npr.org/2024/09/30/nx-s1-5133296/student-loan-default-fresh-start-explainer Prater, N. (2025, May 6). Trump administration gets aggressive on student-debt collection. New York Magazine. https://nymag.com/intelligencer/article/trump-admin-gets-aggressive-on-student-debt-collection.html Reyes, Y., & Lalljee, J. (2025, May 7). What Floridians should know as student loan penalty pause ends. Axios Tampa Bay. https://www.axios.com/local/tampa-bay/2025/05/07/floridian-student-loan-penalty-pause-ends Student Loan Borrower Assistance. (2024, September 20). Fresh Start ends Sept. 30: What borrowers need to know. https://studentloanborrowerassistance.org/fresh-start-ends-sept-30-what-borrowers-need-to-know/ TransUnion. (2025, May 5). As federal collections activity resumes, more than one in five student loan borrowers are 90+ days delinquent. https://newsroom.transunion.com/may-2025-student-loan-update/ U.S. Department of Education. (2025, April 21). U.S. Department of Education to begin federal student loan collections and other actions to help borrowers get back into repayment. https://www.ed.gov/about/news/press-release/us-department-of-education-begin-federal-student-loan-collections-other-actions-help-borrowers-get-back-repayment

This episode updated folks on defaulted student loan repayment for the United States Department of Education and processed 2025/2026 Federal Student Aid files for the new award year beginning on July 1, 2025.    ©2025 - DAS Financial Aid Consulting Services, LLC - All Rights Reserved

President Donald Trump's administration said it will soon resume collections on defaulted student loans for the first time in five years. The office of Federal Student Aid may start taking funds out of borrowers' tax refunds, Social Security benefits and — eventually — paychecks.The Department of Education says borrowers in default should start making monthly payments or enroll in an income-driven repayment plan.MPR News host Angela Davis and her guests talk about how the change could affect millions of borrowers.Guests: Chris Farrell is a senior economics contributor for MPR News and Marketplace. Brittany Tweed is the director of financial aid for Metro State University. Resources shared during the show:Student Loan Advocate at the Minnesota Department of CommerceFederal Student Aid

Dr. Felecia Commodore and Dr. Demetri Morgan join host Heather Shea to discuss the latest threats to higher education and what comes next. This episode was recorded at 5:11 p.m. ET on Thursday, March 27th. Over the past few weeks, we've tracked how the Trump administration is dismantling the Department of Education and weaponizing federal funding to reshape colleges and universities. This week, three major developments add to the urgency: a proposed overhaul of the federal student loan system that could gut borrower protections, escalating attacks on diversity, equity, and free speech on campus, and the critical role professional associations are playing as higher ed's last line of defense. As institutions navigate these pressures, the key question remains—who is prepared to fight back? Tune in for a deep dive into what's at stake and what resistance might look like. Play Suggested APA Citation Shea, H. (Host). (2025, March 28). Current Campus Context: Federal Student Aid, Institutional Autonomy & Associations Push Back (No. 256) [Audio podcast episode]. In Student Affairs NOW. https://studentaffairsnow.com/current-campus-context-mar28/ Transcript Heather SheaHeather, welcome back to current campus context, a limited series from student affairs now the online learning community for those of us working in alongside and adjacent to higher education and student affairs, I'm your host, Heather, Shea and we were recording this episode at 5:11pm, Eastern Time on Thursday, March 27 as always, things might have changed by the time you listen this week, in our fourth episode, we are continuing our deep dive into the evolving landscape of higher ed current campus context is all about making sense of the moment we're in. Each episode, we bring in two experts to break down the latest developments, what's happening, why it matters, and how we can respond within our own spheres of influence. Our goal is to move beyond the headlines, providing context, perspective and actionable strategies to help you navigate these shifts. As part of this series, we have a rotating panel of five experts, so you will hear some familiar voices over the next several weeks, and you can learn more about all of our correspondence at studentaffairs now.com now, before we let you get into today's conversation, I'm excited to introduce our expert correspondents today who will help us unpack the latest developments. First back again this week. Dr Felicia Commodore is an expert in leadership, governance and administrative practices in higher education, with a focus on HBCUs, Ms eyes and black women in leadership. She is an associate professor in education, education policy, organization and leadership at the University of Illinois. Urbana Champaign, welcome back, Felicia, Felecia Commodorethank you. Heather, glad to be back, Heather Sheaand I am excited to introduce our fifth correspondent, Dr Dimitri l Morgan. Dr Morgan is an expert in institutional governance, campus climate, student activism and STEM education in higher ed. He is an associate professor of education at the University of Michigan. Welcome Dimitri. Demetri L. MorganGreat to finally be on and I'm really looking forward to our conversation today. Heather SheaSo, am I so? Am I so? Let's, let's go to the news and see what we're unpacking. Over the past several weeks, we have tracked several different stories. We're going to pick up on some of those themes today. We've tracked the dismantling of the Department of Education, the weaponization of federal funding as key strategies being used by the Trump administration to reshape higher ed. This week, I have three major developments that kind of build on these themes. First, the student loan system is facing a radical overhaul. Trump is proposing to shift federal student loans to the Small Business Administration. This is alarming for me, not just because I think the SBA lacks the infrastructure to manage student aid, but for me,

The U.S. Education Department reopened applications for income-driven repayment plans for student loan borrowers after a court ruling previously halted them. The ruling blocked the Biden administration's Savings on a Valuable Education Plan, complicating renewals for borrowers. The American Federation of Teachers filed a lawsuit to expedite processing. These delays impacted the relief available to borrowers, particularly those in the Public Service Loan Forgiveness program. The Student Borrower Protection Center noted that unprocessed applications hinder support. While online applications were unavailable, the department continued processing paper applications. Income-driven repayment plans adjust monthly payments based on income and family size, requiring periodic eligibility verification. Advocates recommend borrowers prepare for potential delays and select appropriate repayment plans. The Federal Student Aid office faced staffing reductions, raising concerns about support levels, though the administration claims service delivery remains unaffected.Learn more on this news visit us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Tom Netting, president of TEN Government Strategies and a trusted Washington insider, returns to provide a critical update on sweeping federal changes affecting higher education. In conversation with Drumm McNaughton, he breaks down the Trump administration's executive order to dismantle the Department of Education, a move that's already led to major staff reductions and the redistribution of responsibilities across other federal agencies. Key Discussion Points Structural Overhaul of the Department of Education: Nearly 50% of ED staff have been laid off, including in core offices such as Federal Student Aid and the Office for Civil Rights. Regional participation offices have been shut down, leaving institutions without direct support contacts. The shift of student loan collections to the Small Business Administration signals an unprecedented reorganization of oversight. Title IX and Civil Rights Rollbacks: The Supreme Court overturned Biden-era Title IX rules, reinstating Trump-era standards. Protections for transgender students and DEI-related compliance structures are being reversed or defunded. OCR layoffs jeopardize ongoing investigations and reduce institutional support. Policy Enforcement Through Funding Threats: Columbia University's $400M in federal funding was withheld and later restored after accepting federal conditions, including police authority to arrest student protesters and the appointment of an academic overseer. These enforcement tactics set a new precedent, raising concerns about academic freedom and governance. Student Loan Crisis and Risk Exposure: Delinquency rates are reportedly spiking, with internal policy discussions suggesting 70–80% of borrowers may be behind. Institutions face growing exposure as default risks rise, with potential Title IV eligibility consequences. Risk-sharing legislation and budget reconciliation proposals could place financial liability on colleges for unpaid loans. Governance, Autonomy, and Institutional Strategy: Boards must take a more active role in navigating federal restructuring and enforcement trends. The implications go beyond compliance—federal funding is increasingly tied to campus culture, policy, and speech. Strategic responses now require governance-level attention to protect institutional mission and integrity. Three Key Takeaways for Higher Education Leaders and Boards Reassure students that aid is still available and prepare them for repayment obligations now managed under new federal structures. Support compliance and financial aid staff as they navigate the loss of regional ED contacts and fast-changing guidance. Re-evaluate governance-level policies on Title IX, DEI, and civil rights to ensure legal alignment and institutional resilience. Download the March 2025 Higher Ed Board Briefing (PDF) → Read the transcript at:  https://changinghighered.com/washington-update-dismantling-the-department-of-education/ #HigherEducation #DepartmentofEducation #HigherEdPolicy About Our Podcast Guest Tom Netting Having spent all of his professional career devoted to higher education policy oversight and implementation, Tom Netting has an extensive knowledge of the laws and regulations governing all aspects of higher education. His considerable background and experience have afforded him the opportunity to view the development and implementation of federal higher education and workforce development policy in their entirety – including issues related to higher education and workforce development, health care, veteran affairs policies, and the procurement of federal appropriations. About the Host Dr. Drumm McNaughton is the founder, CEO, and Principal Consultant at The Change Leader, Inc. A highly sought-after higher education consultant with 20+ years of experience, Dr. McNaughton works with leadership, management, and boards of both U.S. and international institutions. His expertise spans key areas, including accreditation, governance, strategic planning, presidential onboarding, mergers, acquisitions, and strategic alliances. Dr. McNaughton's approach combines a holistic methodology with a deep understanding of the contemporary and evolving challenges facing higher education institutions worldwide to ensure his clients succeed in their mission.  

Last week, more than 1,300 individuals at the Department of Education were laid off, including over 300 at Federal Student Aid, nearly 250 at the Office for Civil Rights, and over 100 at the Institute of Education Sciences. All told, since Trump took office, the workforce at the Department of Education has been cut nearly […]

Last week, more than 1,300 individuals at the Department of Education were laid off, including over 300 at Federal Student Aid, nearly 250 at the Office for Civil Rights, and over 100 at the Institute of Education Sciences. All told, since Trump took office, the workforce at the Department of Education has been cut nearly in half.What is the operating strategy behind these cuts? What effect will these cuts have on schools? And what do these cuts tell us about the Trump administration's plans? On this episode of The Report Card, Nat Malkus discusses these questions, and more, with Andy Rotherham and Rick Hess.Andrew J. Rotherham is a co-founder and senior partner at Bellwether and the author of the Eduwonk blog.Frederick M. Hess is a senior fellow and the director of education policy studies at AEI.Show Notes:Wednesday's Department Of Education Is Full Of Woe. SCOTUS Religious Charter Schools Action. It's OK To Say Diversity. Plus Frozen Fish Pics!The Incredible Shrinking Department of EducationRunning Down DOGE's Department of Education Receipts

In this episode of dotEDU, Sarah Spreitzer and Mushtaq Gunja give an update on the unprecedented workforce cuts at the Department of Education and share their concerns about the immediate and long-term implications for higher education.   After that, the hosts take a look back at the troubled rollout of the new FAFSA system. Jeremy Singer, president of the College Board, talks about his time at the Department of Education last year leading the FAFSA relaunch effort at Federal Student Aid. He shares firsthand insights into what went wrong, the challenges of managing a large-scale federal program, and the lessons learned from the rollout.  Send suggestions, links, and questions to @ACEducation on X or Bluesky or email podcast@acenet.edu. Here are some of the links and references from this week's episode: Education Department Lays Off Nearly Half of Staff Inside Higher Ed | March 11, 2025 Department of Education Investigating 60 Colleges and Universities Over Antisemitism Claims CNN | March 11, 2025 Restoring Public Service Loan Forgiveness The White House | March 7, 2025  White House Cancels $400 Million in Grants and Contracts to Columbia The New York Times (sub. req.) | March 7, 2025  Johns Hopkins Plans Staff Layoffs After $800 Million Grant Cuts The Wall Street Journal (sub. req.) | March 11, 2025 USDA Halts Millions in Funding for University of Maine System Portland Press Herald (sub. req.) | March 11, 2025 What Is the FAFSA Simplification Act? Federal Student Aid FAFSA Is Officially Out, and Everyone Is Cautiously Optimistic The Washington Post (sub. req.) | Nov. 21, 2024 Flawed FAFSA Rollout Leads to 11.6% Drop In Students Filling Out the College Financial Aid Form Chalkbeat Colorado | July 8, 2024 New Clearinghouse Data Shows Freshman Enrollment Has, in Fact, Increased Diverse: Issues In Higher Education | Jan. 23, 2025

Paying for college doesn't have to be a financial nightmare!  In this episode we talk about some of the ways to cover the cost without drowning in student loans. Contact Chris: https://heavymetal.money ⁠https://www.facebook.com/MoneyHeavyMetal⁠ https://x.com/MoneyHeavyMetal ⁠https://www.instagram.com/chrisluger⁠ ⁠https://www.tiktok.com/@heavymetalmoney⁠ email: chris at heavymetal.money Contact Dan: email: dan at corepln.com https://www.corepln.com/dan-hine Resources and Links: A Path to Free College for Those Who Serve With The Post-9/11 GI Bill https://heavymetal.money/gibill/ Free Tuition in Minnesota: Unveiling the North Star Promise https://heavymetal.money/northstarpromise/ Pay Less For Two-Year Degrees That Can Make You Bank https://heavymetal.money/twoyeardegree/ High-Paying Trade Jobs and Careers That Don't Require a College Degree https://heavymetal.money/tradejobs/ Econome Session - Chris Corinthian: How to Pay for College Without Student Loans https://youtu.be/4-SR8PN5Jiw?si=6AUGtQ2AOlyZHv52 Scholly has made $30 million in revenues since starting up and supported over 5 million users. The deal with Sallie Mae also has allowed the company to distribute the app for free; it used to cost $2.99 a month. https://www.sallie.com/scholarships/scholly Scholarships Scholarships are the best way to pay for college because they don't need to be repaid. Many scholarships are merit-based (for academics, sports, arts, etc.), but others are awarded for unique skills, interests, or even random qualifications. Where to find them: Fastweb.com, Scholarships.com, and the College Board's Scholarship Search. Local businesses, nonprofits, and religious organizations often offer scholarships. Many schools automatically consider students for merit scholarships upon application. Post 9/11 GI Bill  The Post-9/11 GI Bill offers a substantial list of benefits, making it a wicked-awesome opportunity to obtain low-cost, or perhaps FREE college education! Here's a breakdown of what it covers: Tuition and Fees (Full Coverage at Public Colleges and Universities): If you attend a public college or university, the Post-9/11 GI Bill provides 100% coverage for tuition and mandatory fees. If you attend a private or foreign school, the GI Bill can cover up to $27,120 per year (as of 2024). If your chosen school exceeds this amount, you may still receive additional funding through the Yellow Ribbon Program, which will be explained in more detail below. Housing Allowance (BAH – Basic Allowance for Housing): While enrolled in school, you receive a monthly housing allowance based on the local cost of living. If you're taking online-only courses, you'll still receive some money for housing, but it's approximately half of the full-time student rate. Money for Books and Supplies: You're allocated up to $1,000 per year to cover textbooks and school supplies. This money is directly deposited into your account, allowing you to purchase the necessary materials for your classes. Job Training and Certification Programs: The GI Bill doesn't limit its benefits to traditional colleges. It can also cover vocational schools, technical training, apprenticeships, and even flight school. visit the VA's website (www.va.gov/education/) for the most up-to-date information. Grants Like scholarships, grants are free money that does not need to be repaid. Most grants are based on financial need. Key Grant Programs: Pell Grant – Up to $7,395 per year (2024-25) for low-income students. Federal Supplemental Educational Opportunity Grant (FSEOG) – Additional aid for low-income students. State Grants – Many states offer their own need-based grants. Institutional Grants – Colleges may provide their own grants based on financial need or special circumstances. How to apply: Fill out the FAFSA (Free Application for Federal Student Aid) as early as possible. Work-Study The Federal Work-Study Program provides part-time jobs for students to help pay for tuition and living expenses. Jobs are often on-campus and flexible with class schedules. Unlike a regular job, work-study earnings don't count against your FAFSA financial aid eligibility. How to apply: Check the FAFSA box that asks about work-study interest. Employer Tuition Assistance (Let Your Boss Pay) Many companies offer tuition reimbursement for employees pursuing higher education. Programs vary but can cover $5,250 per year (tax-free) or more. Some companies that offer tuition assistance: Amazon's Career Choice Program Starbucks College Achievement Plan UPS Earn & Learn Program Walmart Live Better U How to apply: Ask your employer's HR department about tuition benefits. 529 College Savings Plans (Tax-Advantaged Savings) A 529 Plan is a tax-advantaged investment account for education expenses. Money grows tax-free if used for qualified education expenses. Some states offer tax deductions or credits for contributions. How to start: Open an account through your state's 529 plan website or a financial institution.

Students hoping to go to college this fall may want to complete their Free Application for Federal Student Aid – or FAFSA –application soon. Many schools and universities have deadlines in March for students to be eligible to get the most student assistance as possible. And, as Roxy Todd reports, parents have to complete the application […]

Feeling lost in the maze of college financial aid? This episode breaks down the FAFSA (Free Application for Federal Student Aid) clearly and concisely. Join us as we discuss: —What is the FAFSA and who needs to fill it out? ... Read More » The post 556: Financial Aid 101: Expert tips for navigating the FAFSA and paying for college appeared first on The College Prep Podcast.

After delays and errors plagued the process last year, The Free Application for Federal Student Aid is finally out. Wisconsin is now second among states in the number of whooping cough cases this year. What's the biggest animal in the state of Wisconsin? Our WhySconsin team will figure out the answer for us in today's Wisconsin Life.

There are more than 40,000 foreign nationals serving in our military. And most of them are just one mistake away from being deported. But some veterans are advocating for a federal law that would make it easier for foreign-born soldiers to become American citizens.  Reporter: Gustavo Solis, KPBS Los Angeles Congressman Adam Schiff will be sworn in Monday as California's junior U.S. Senator, filling a seat held by Dianne Feinstein for decades. Reporter: Marisa Lagos, KQED President-elect Trump has pledged to conduct mass deportations. That's stoked fears among financial aid experts, who worry about how his administration might use data from the Free Application for Federal Student Aid, known as FAFSA. Reporter: Julia Barajas, LAist Learn more about your ad choices. Visit megaphone.fm/adchoices

Tommy talks to Ebony Holmes, Director of Public Information and Advising for the Louisiana Office of Student Financial Assistance (LOSFA)

* Many Louisiana students end up leaving college money on the table. We talk with Ebony Holmes with the Louisiana Office of Student Financial Aid about what students and their families should know and how to get the most money they can. * Checking in with Oleh Kosel for how the Pelicans have been doing and what the injury situation is looking like

Hanover County and All Points Broadband kicked off the next phase of Connect Hanover last week; President-elect Donald Trump's border czar is a Fredericksburg-area businessowner; and the Free Application for Federal Student Aid is live after a monthslong technical delay.    Today's top audio stories include the Virginia connections of President-elect Donald Trump's border czar, Congressman-elect Eugene Vindman's views on relocating federal workers and some important FAFSA news. (Hint: The FAFSA is now live.) 

The Free Application for Federal Student Aid, or Fafsa, has been released for the 2025-26 academic year. Wall Street Journal reporter Oyin Adedoyin joins host J.R. Whalen to discuss what students and families can expect, after last year's glitches slowed down the aid process for many students. Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

  The Friday Five for November 1, 2024: CMS Updates Enrollment Process for EDE & DE Platforms WPS Data Breach Leads to Issue of New Medicare Beneficiary Identifiers Student Loan Forgiveness Update Apple AirPods Pro Hearing Tools Launch Apple Intelligence iOS 18.1 Features   CMS Updates Enrollment Process for EDE & DE Platforms: “CMS Roundup (October. 18, 2024).” CMS.Gov, Centers for Medicare & Medicaid Services, 18 Oct. 2024, www.cms.gov/newsroom/cms-round-up/cms-roundup-october-18-2024. “Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 31 Oct. 2024. “HealthCare.Gov Contact Information.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/contact-us/. Accessed 31 Oct. 2024. “HealthSherpa for Agents.” HealthSherpa.Com, HealthSherpa, www.healthsherpa.com/agents/features. Accessed 31 Oct. 2024.   WPS Data Breach Leads to Issue of New Medicare Beneficiary Identifiers: Alder, Steve. “CMS Confirms 3.1 Million Individuals Affected by MOVEit Hack on Wisconsin Physicians Service.” Hipaajournal.Com, The HIPAA Journal, 25 Sept. 2024, www.hipaajournal.com/cms-wisconsin-physicians-service-moveit-hack/. “CMS Notifies Additional Individuals Potentially Impacted by MOVEit Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 16 Nov. 2023, www.cms.gov/newsroom/press-releases/cms-notifies-additional-individuals-potentially-impacted-moveit-data-breach. “CMS Notifies Individuals Potentially Impacted by Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 6 Sept. 2024, www.cms.gov/newsroom/press-releases/cms-notifies-individuals-potentially-impacted-data-breach. “CMS Responding to Data Breach at Contractor.” CMS.Gov, Centers for Medicare & Medicaid Services, 28 July 2023, www.cms.gov/newsroom/press-releases/cms-responding-data-breach-contractor. Olsen, Emily. “CMS Says Data Breach at Contractor Could Affect More than 946,000 Medicare Beneficiaries.” Healthcare Dive, Healthcare Dive, 9 Sept. 2024, www.healthcaredive.com/news/cms-wisconsin-physicians-service-insurance-corporation-moveit-data-breach/726416/. Goodin, Dan. “Casualties Keep Growing in This Month's Mass Exploitation of Moveit 0-Day.” Arstechnica.Com, Ars Technica, 27 June 2023, arstechnica.com/security/2023/06/casualties-keep-growing-in-this-months-mass-exploitation-of-moveit-0-day/. “Over 940,000 Medicare Beneficiaries Impacted by Data Breach.” Jdsupra.Com, JD Supra, 24 Oct. 2024, www.jdsupra.com/legalnews/over-940-000-medicare-beneficiaries-1539983/. Reed, Jonathan. “The MOVEIT Breach Impact and Fallout: How Can You Respond?” Securityintelligence.Com, Security Intelligence, 23 Oct. 2024, securityintelligence.com/news/the-moveit-breach-impact-and-fallout-how-can-you-respond/.   Student Loan Forgiveness Update: Gibson, Kate. “Biden Administration Extends Repayment Freeze for 8 Million Student Loan Borrowers.” Edited by Alain Sherter, Cbsnews.Com, CBS News, 21 Oct. 2024, www.cbsnews.com/news/student-loan-forgiveness-payment-biden/. Cavanaugh, Lynn. “Biden Freezes Student Loan Repayments for 6 Months for 8M Borrowers.” Benefitspro.Com, BenefitsPro, 22 Oct. 2024, www.benefitspro.com/2024/10/22/biden-freezes-student-loan-repayments-for-6-months-for-8m-borrowers/. “Biden-Harris Administration Releases Proposed Rules to Authorize Debt Relief to Nearly Eight Million Borrowers Experiencing Hardship.” Ed.Gov, U.S. Department of Education, 25 Oct. 2024, www.ed.gov/about/news/press-release/biden-harris-administration-releases-proposed-rules-authorize-debt-relief. Cavanaugh, Lynn. “Biden's New Student Loan Forgiveness Plan: A 3rd Attempt at Debt Cancellation for 8M.” Benefitspro.Com, BenefitsPro, 28 Oct. 2024, www.benefitspro.com/2024/10/28/bidens-new-student-loan-forgiveness-plan-a-3rd-attempt-at-debt-cancellation-for-8m/. Johnston, Courtney. “Biden's New Student Loan Forgiveness Plan Could Offer Debt Relief to 8 Million Borrowers.” Cnet.Com, CNET, 25 Oct. 2024, www.cnet.com/personal-finance/loans/bidens-new-student-loan-forgiveness-plan-could-offer-debt-relief-to-8-million-borrowers/. “Department of Education Updates on Saving on a Valuable Education (SAVE Plan).” Ed.Gov, U.S. Department of Education, 24 Oct. 2024, www.ed.gov/higher-education/manage-your-loans/save-plan. “SAVE Plan Court Actions: Impact on Borrowers.” Studentaid.Gov, Federal Student Aid, 2 Oct. 2024, studentaid.gov/announcements-events/save-court-actions. “Student Debt Relief Hardship.” Ed.Gov, U.S. Department of Education, www.ed.gov/media/document/nprm-hardship-sldr. Accessed 30 Oct. 2024. Zimmer, Evan. “Student Loan Payment Pause Extended for 6 More Months for SAVE Borrowers.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/personal-finance/loans/student-loan-payment-pause-extended-for-6-more-months-for-save-borrowers/.   Apple AirPods Pro Hearing Tools Launch: “Airpods Pro 2 - Hearing Health.” Apple, Apple, www.apple.com/airpods-pro/hearing-health/. Accessed 31 Oct. 2024. Welch, Chris. “Apple's Airpods pro Just Got Much Better - No Matter What Port Is on the Case.” Theverge.Com, The Verge, 18 Sept. 2023, www.theverge.com/23878402/apple-airpods-pro-usb-c-adaptive-audio-conversation-awareness-test-review. Steele, Billy. “Apple's Airpods pro Hearing Health Tools Could Normalize Wearing Earbuds Everywhere.” Engadget.Com, Engadget, 29 Oct. 2024, www.engadget.com/audio/headphones/apples-airpods-pro-hearing-health-tools-could-normalize-wearing-earbuds-everywhere-140054858.html. “Apple Introduces Airpods 4 and a Hearing Health Experience with Airpods Pro 2.” Apple.Com, Apple, 29 Oct. 2024, www.apple.com/newsroom/2024/09/apple-introduces-airpods-4-and-a-hearing-health-experience-with-airpods-pro-2/. “How Apple Developed the World's First End-to-End Hearing Health Experience.” Apple.Com, Apple, 30 Oct. 2024, www.apple.com/newsroom/2024/10/how-apple-developed-the-worlds-first-end-to-end-hearing-health-experience/. Welch, Chris. “How to Take the Apple Hearing Test.” Theverge.Com, The Verge, 28 Oct. 2024, www.theverge.com/24278477/apple-hearing-test-how-to. Shastri, Devi. “Apple Airpods Pro's New Hearing Aid Feature Could Help People Face a Problem They'd Rather Ignore.” Apnews.Com, AP News, 28 Oct. 2024, apnews.com/article/hearing-aids-airpods-apple-android-fsa-hsa-e0f243bcaff9b4c5b5068b546012b338. Cadwell, Blake. “How to Use Airpods as Hearing Aids (with Screenshots).” Edited by Amy Sarow, Soundly.Com, Soundly., 28 Oct. 2024, www.soundly.com/blog/airpods-as-hearing-aids. Ulanoff, Lance. “I'm Done Being Rude to People Thanks to Adaptive Audio on Airpods Pro 2.” Techradar.Com, TechRadar, 19 Sept. 2023, www.techradar.com/audio/im-done-being-rude-to-people-thanks-to-adaptive-audio-on-airpods-pro-2. Carey, Bridget. “I Tested the Apple Airpod pro 2 Hearing Aid Software Early. Here's Everything You Need to Know.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/tech/mobile/i-tested-the-apple-airpod-pro-2-hearing-aid-software-early-heres-everything-you-need-to-know/.   Apple Intelligence iOS 18.1 Features: Crouse, Megan. “Apple Intelligence Cheat Sheet: A Complete Guide for 2024.” Techrepublic.Com, TechRepublic, 29 Oct. 2024, www.techrepublic.com/article/apple-intelligence-cheat-sheet/. Disotto, John-Anthony. “Apple Intelligence Features Explained - Everything You Need to Know about Apple AI and When You Can Use It.” Techradar.Com, TechRadar, 11 Sept. 2024, www.techradar.com/computing/artificial-intelligence/apple-intelligence-features-explained-everything-you-need-to-know-about-apple-ai-and-when-you-can-use-it. “Apple Intelligence Is Available Today on iPhone, iPad, and Mac.” Apple.Com, Apple Newsroom, 29 Oct. 2024, www.apple.com/newsroom/2024/10/apple-intelligence-is-available-today-on-iphone-ipad-and-mac/. Ortiz, Sabrina. “Can't Find Apple's AI Features after Upgrading to iOS 18.1? Do This.” Zdnet.Com, ZDNET, 29 Oct. 2024, www.zdnet.com/article/cant-find-apples-ai-features-after-upgrading-to-ios-18-1-do-this/. Carlson, Jeff. “If You Want Apple Intelligence on Your iPhone, Here's What You Need to Do.” Cnet.Com, CNET, 29 Oct. 2024, www.cnet.com/tech/services-and-software/if-you-want-apple-intelligence-on-your-iphone-heres-what-you-need-to-do/. Miller, Chance. “iOS 18.2 with New Apple Intelligence Features Coming in December, Apple Confirms.” 9to5mac.Com, 9to5Mac, 28 Oct. 2024, 9to5mac.com/2024/10/28/ios-18-2-release-date/. Michaels, Philip. “iOS 18 Memory Movie Is One of Apple Intelligence's Best Features - Here's How to Use It.” Tomsguide.Com, Tom's Guide, 26 Sept. 2024, www.tomsguide.com/phones/iphones/how-to-create-a-memory-movie-with-apple-intelligence-on-your-iphone. Priday, Richard. “I Tried All New Apple Intelligence Features in IOS 18.1 - Here's the Best (and Worst).” Tomsguide.Com, Tom's Guide, 28 Oct. 2024, www.tomsguide.com/phones/iphones/i-tried-all-new-apple-intelligence-features-in-ios-18-1-heres-the-best-and-worst. Carlson, Jeff. “These 3 Apple Intelligence Features in IOS 18.1 Are the Ones You'll Actually Use.” Cnet.Com, CNET, 30 Oct. 2024, www.cnet.com/tech/services-and-software/these-3-apple-intelligence-features-in-ios-18-1-are-the-ones-youll-actually-use/.   Resources: 1 Million New Medicare Beneficiary Identifiers to be Issued After WPS Data Breach: https://ritterim.com/blog/1-million-new-medicare-beneficiary-identifiers-to-be-issued-after-wps-data-breach/ ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 CMS Implements Marketplace Security Enhancements for EDE & DE Pathways: https://ritterim.com/blog/cms-implements-marketplace-security-enhancements-for-ede-and-de-pathways/ How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623   How to Stay Compliant During All Medicare Sales: https://link.chtbl.com/ASG628 Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker Simplify Marketplace Enrollments with HealthSherpa: https://link.chtbl.com/ASG627   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Not affiliated with or endorsed by Medicare or any government agency.

The FAFSA – or Free Application for Federal Student Aid – is required for students who want help paying for college. The application is managed by the Department of Education and helps federal, state, and college-level programs allocate financial aid. This includes grants, federal work-study, and eligibility to qualify for student loans.How much aid a student receives depends on a number of factors including their personal finances. Because many college students receive support from their parents, the entire family's financial situation is also taken into account as part of the application process.Filling out the FAFSA correctly is important if you're expecting to receive financial aid to help pay for college. Small errors can impact how much you receive or whether or not you receive financial aid at all. These are the 10 biggest FAFSA mistakes you'll want to avoid.

Also: After months of delays with this year's Free Application for Federal Student Aid, the U.S. Department of Education says next year's FAFSA will open two months later than expected.

The Department of Education rolled out a new Federal Student Aid form, but its many glitches have negatively impacted students and colleges alike. Danielle Douglas-Gabriel, national higher education reporter for The Washington Post, joins host Krys Boyd to discuss what was supposed to be an easier, more user-friendly FAFSA, how instead it now leaves students questioning if they'll have funding, and the schools that are unable to tally enrollment dollars. Her article is “‘Very unpredictable': Colleges fear FAFSA fiasco will hurt enrollment.” 

This year's college application process was supposed to get easier. That's because last year, the U.S. Department of Education announced changes to the Free Application for Federal Student Aid, or FAFSA.The problems with the FAFSA form began last fall. And with August and September around the corner, some applicants continue to experience technical issues.Before this year, students would already know how much aid they're getting. But in 2024, not knowing, which is the case for many, could mean they can't go to college. For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org.Email us at considerthis@npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

This year's college application process was supposed to get easier. That's because last year, the U.S. Department of Education announced changes to the Free Application for Federal Student Aid, or FAFSA.The problems with the FAFSA form began last fall. And with August and September around the corner, some applicants continue to experience technical issues.Before this year, students would already know how much aid they're getting. But in 2024, not knowing, which is the case for many, could mean they can't go to college. For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org.Email us at considerthis@npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Applying for student aid this year was supposed to be easier for incoming college students, with a more simplified application process for FAFSA, or Free Application for Federal Student Aid.  But technical problems and missed deadlines for the new form's rollout has led to disastrous results for students, especially those who are undocumented or come from mixed status families. These issues are likely a big reason why California saw a major drop in FAFSA applications for the Class of 2024. This episode was produced by Alan Montecillo, Ellie Prickett-Morgan, Tamuna Chkareuli and hosted by Ericka Cruz Guevarra. Transcript Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2743: Miranda Marquit of GoodFinancialCents.com presents three actionable steps for financing your college education effectively. This guide explores options from scholarships and grants to federal and private student loans, helping students navigate the complexities of funding higher education amidst rising costs. Read along with the original article(s) here: https://www.goodfinancialcents.com/paying-for-college-financing-priorities/ Quotes to ponder: "Your first efforts should be geared toward getting free money to help you pay for college." "Before you go to a bank, it might be worth it to check the terms you can get with peer-to-peer lending." "Finding financing for college isn't always easy and it can be expensive." Episode references: FastWeb: https://www.fastweb.com/ Tuition U: https://planning.colleging.com/cu/tuition-u-direct FAFSA - Free Application for Federal Student Aid: https://studentaid.gov/h/apply-for-aid/fafsa Learn more about your ad choices. Visit megaphone.fm/adchoices

Following his recent visit to China, U.S. Secretary of State Antony Blinken traveled to the Middle East this week, marking his seventh trip to the region since the beginning of the Israel-Hamas war. The tour concluded with Sec. Blinken urging Hamas to accept the latest ceasefire proposal. President and Founder of Eurasia Group Ian Bremmer discusses the difficulty of negotiating with Hamas and explains why he believes a two-state solution is not possible until a permanent ceasefire is achieved. National Decision Day was earlier this week, yet a botched rollout of the new Free Application for Federal Student Aid (FAFSA) has left millions of students in the dark about their financial aid status. The new system has been riddled with technical issues that have upended the college admission process. Meanwhile, Richard Cordray, the leader of the Federal Student Aid office, announced he will depart the office in June. Personal Finance Reporter at the Wall Street Journal Oyin Adedoyin joins to discuss why thousands of students cannot complete the form correctly and how this will affect the decision process for thousands of individuals. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Jim and Greg as they cheer the end of the anti-Israel encampment at Columbia while relishing the leftist insanity on open display. Plus, Jim fumes over the federal government's persistent failures to help families determine financial aid for college, and President Biden considers accepting "refugees" from Gaza.First, they they cheer the NYPD for declaring the occupation of a Columbia University academic building to be a riot and arresting dozens of trespassing radicals. But they also get a lot of laughs out of the demonstrators' earlier, convoluted demands that the university provide or allow "humanitarian aid" - meaning food and water - as they illegally controlled the building.Next, Jim sounds off as the U.S. Department of Education failed repeatedly to allow high school seniors to file their Free Application for Federal Student Aid forms in a timely manner and are now delaying critical financial aid information. The website was unusable for months after it was promised to be functioning and one major glitch was not fixed until yesterday. They also discuss how this is yet another area in which the federal government has no business being in charge and makes life much tougher for Americans.Finally, they fume as President Biden reportedly considers allowing refugees from Gaza to enter the United States, even though no Middle East country is willing to take in these people and the vast majority of people in Gaza hate the United States.Please visit our great sponsors:Fast Growing Treeshttps://fastgrowingtrees.com/martiniUse code Martini to save an additional 15% off on your first order. 

The Rich Zeoli Show- Full Episode (03/25/2024): 3:05pm- Rebecca Picciotto of CNBC writes: “President Joe Biden on Saturday signed Congress' $1.2 trillion spending package, finalizing the remaining batch of bills in a long-awaited budget to keep the government funded until Oct. 1. Almost halfway into the fiscal year, the president's signature ends a months-long saga of Congress struggling to secure a permanent budget resolution and instead passing stopgap measures, nearly averting government shutdowns.” You can read the full article here: https://www.cnbc.com/2024/03/23/biden-signs-1point2-trillion-spending-package.html 3:25pm- In response to the House of Representatives passing a $1.2 trillion spending package on Friday, Congressman Scott Perry (R-PA) publicly objected to money going towards “processing” migrants entering the country unlawfully instead of prioritizing security at the U.S. Southern border which would prevent their entry in the first place. 3:30pm- On Sunday, New Jersey First Lady Tammy Murphy announced that she was suspending her campaign for U.S. Senate. In a video posted to social media Murphy explained her decision: “I have been genuine and factual throughout—but it is clear to me that continuing in this race will involve waging a very divisive and negative campaign, which I am not willing to do.” You can read more here: https://www.politico.com/news/2024/03/24/nj-first-lady-tammy-murphy-to-end-senate-campaign-to-replace-bob-menendez-00148728 3:45pm- Ben Protess and William K. Rashbaum of The New York Times write: “With Donald J. Trump on the clock to secure a nearly half-billion-dollar bond in his civil fraud case, a New York appeals court handed the former president a lifeline on Monday, saying it would accept a far smaller bond of $175 million. The ruling by a panel of five appellate court judges was a crucial and unexpected victory for Mr. Trump, potentially staving off a looming financial disaster. Had the court denied his request for a smaller bond in the fraud case, which was brought by the New York attorney general, Mr. Trump risked losing control over his bank accounts and even some of his marquee properties.” While speaking to the press outside of the courthouse, Trump said he plans to pay the newly reduced bond in cash. You can read more here: https://www.nytimes.com/2024/03/25/nyregion/trump-bond-reduced.html 4:05pm- The Wall Street Journal Editorial Board writes: “This isn't the right kind of March madness. The Education Department's confused rollout of the new Free Application for Federal Student Aid, or Fafsa, grew more chaotic Friday when it announced that incorrect data had been sent to colleges for hundreds of thousands of students. Congress in its infinite unwisdom jammed through a Fafsa redesign in the December 2020 omnibus spending bill. The new Fafsa was supposed to be simpler, but myriad government snafus have caused headaches for colleges, parents and students. ‘This is another unforced error that will likely cause more processing delays for students,' the National Association of Student Financial Aid Administrators (Nasfaa) CEO Justin Draeger said Friday. ‘At this stage in the game and after so many delays, every error adds up.' Fafsa usually becomes available in early October, but the Education Department didn't launch the new form until late December.” You can read more here: https://www.wsj.com/articles/student-aid-march-madness-fafsa-college-loans-18ae8361?mod=opinion_lead_pos2 4:30pm- Is it in the bill? A TikTok video has gone viral—asking viewers to guess whether or not five progressively insane expenditures are in the $1.2 billion budget bill signed into law by President Joe Biden. Can you guess what's real and what's made up? Rich and Henry go head-to-head! 4:50pm- Ben Protess and William K. Rashbaum of The New York Times write: “With Donald J. Trump on the clock to secure a nearly half-billion-dollar bond in his civil fraud case, a New York appeals court handed the former president a lifeline on Monday, saying it would accept a far smaller bond of $175 million. The ruling by a panel of five appellate court judges was a crucial and unexpected victory for Mr. Trump, potentially staving off a looming financial disaster. Had the court denied his request for a smaller bond in the fraud case, which was brought by the New York attorney general, Mr. Trump risked losing control over his bank accounts and even some of his marquee properties.” While speaking to the press outside of the courthouse, Trump said he plans to pay the newly reduced bond in cash. You can read more here: https://www.nytimes.com/2024/03/25/nyregion/trump-bond-reduced.html 4:55pm- While appearing on CNN with Erin Burnett, Bess Freeman—the CEO of a luxury real estate firm— confirmed that Mar-a-Lago is worth far more than the $18 million estimated by New York Attorney General Letitia James. Freeman estimated the property was worth hundreds of millions of dollars. 5:00pm- Four-term U.S. Congresswoman and 2020 presidential candidate Tulsi Gabbard—Author of “For Love of Country: Leave the Democrat Party Behind”—joins The Rich Zeoli Show to discuss the ongoing chaos at the U.S. Southern border and her opposition to Congress's recently passed bill that could ultimately ban TikTok. Plus, are the rumors true—is she being considered as a potential running mate for Donald Trump or Robert Kennedy Jr.? Her book, "For Love of Country: Leave the Democrat Party Behind,” will be released on April 30th. You can pre-order it now at book.tulsigabbard.com or on Amazon. 5:40pm- Valerie Hopkins and Alina Lobzina of The New York Times write: “An attack Friday at a popular concert venue near Moscow killed 137 people, the deadliest act of terrorism the Russian capital region has seen in more than a decade. The Islamic State claimed responsibility for the attack; American officials have attributed it to ISIS-K, a branch of the group. Russian officials and state media have largely ignored ISIS's claim of responsibility and instead suggested that Ukraine was behind the violence. Ukraine has denied any involvement, and American officials say there is no evidence connecting Kyiv to the attack. Russian authorities have detained at least 11 people, including four migrant laborers described as Tajik citizens who have been charged with committing a terrorist act, but they have not identified most of the accused assailants or their motives.” You can read the full article here: https://www.nytimes.com/2024/03/23/world/europe/moscow-concert-hall-attack-what-we-know.html 6:05pm- Attorney Linda Kerns joins The Rich Zeoli Show to discuss her latest editorial for The Federalist, “If Pennsylvania Is Going To Flood Elections With Mail-In Ballots, We Need A Flood Of Poll Watchers.” Kerns writes: “When Pennsylvania counted its ballots in 2020, observers simply could not see what was happening in many counties in Pennsylvania, especially the larger ones like Philadelphia. The Pennsylvania legislature had just changed the law, no longer requiring an excuse to vote on a paper mail ballot before election day. Almost the same laws that historically applied to processing a limited number of paper absentee ballots remained in place for the thousands—or in larger counties, hundreds of thousands—of paper mail ballots. Pennsylvanians, and the entire country, soon learned that the laws for absentee balloting to mail-in balloting might have needed a bit more tweaking.” You can read Kerns' full article here: https://thefederalist.com/2024/03/25/if-pennsylvania-is-going-to-flood-elections-with-mail-in-ballots-we-need-a-flood-of-poll-watchers/. And learn more about election integrity at: www.lindakernslaw.com. 6:30pm- An increasingly large number of rappers are openly endorsing Republican presidential candidate Donald Trump in the 2024 election. Could this have an impact on the election's outcome? You can read more here: https://www.breitbart.com/entertainment/2024/03/24/11-rappers-backing-donald-trump-in-2024-hes-a-soldier-we-miss-you/

The Rich Zeoli Show- Hour 2: 4:05pm- The Wall Street Journal Editorial Board writes: “This isn't the right kind of March madness. The Education Department's confused rollout of the new Free Application for Federal Student Aid, or Fafsa, grew more chaotic Friday when it announced that incorrect data had been sent to colleges for hundreds of thousands of students. Congress in its infinite unwisdom jammed through a Fafsa redesign in the December 2020 omnibus spending bill. The new Fafsa was supposed to be simpler, but myriad government snafus have caused headaches for colleges, parents and students. ‘This is another unforced error that will likely cause more processing delays for students,' the National Association of Student Financial Aid Administrators (Nasfaa) CEO Justin Draeger said Friday. ‘At this stage in the game and after so many delays, every error adds up.' Fafsa usually becomes available in early October, but the Education Department didn't launch the new form until late December.” You can read more here: https://www.wsj.com/articles/student-aid-march-madness-fafsa-college-loans-18ae8361?mod=opinion_lead_pos2 4:30pm- Is it in the bill? A TikTok video has gone viral—asking viewers to guess whether or not five progressively insane expenditures are in the $1.2 billion budget bill signed into law by President Joe Biden. Can you guess what's real and what's made up? Rich and Henry go head-to-head! 4:50pm- Ben Protess and William K. Rashbaum of The New York Times write: “With Donald J. Trump on the clock to secure a nearly half-billion-dollar bond in his civil fraud case, a New York appeals court handed the former president a lifeline on Monday, saying it would accept a far smaller bond of $175 million. The ruling by a panel of five appellate court judges was a crucial and unexpected victory for Mr. Trump, potentially staving off a looming financial disaster. Had the court denied his request for a smaller bond in the fraud case, which was brought by the New York attorney general, Mr. Trump risked losing control over his bank accounts and even some of his marquee properties.” While speaking to the press outside of the courthouse, Trump said he plans to pay the newly reduced bond in cash. You can read more here: https://www.nytimes.com/2024/03/25/nyregion/trump-bond-reduced.html 4:55pm- While appearing on CNN with Erin Burnett, Bess Freeman—the CEO of a luxury real estate firm— confirmed that Mar-a-Lago is worth far more than the $18 million estimated by New York Attorney General Letitia James. Freeman estimated the property was worth hundreds of millions of dollars.

A new version of the Free Application for Federal Student Aid form promised an easier path for students to access financial aid for college. But the rollout has been far from easy. Read more:For decades, scores of students got tripped up by the daunting Free Application for Federal Student Aid, or FAFSA. Then, in December, the Education Department released a new version of the form, promising a streamlined path for students to access aid. But the launch has not gone smoothly. Technical glitches have locked some families out of the online system to complete the form, while many who have completed the FAFSA probably have incorrect estimates of aid because the agency failed initially to update a crucial income formula. Colleges won't get most data until March, meaning students will have to wait longer for financial aid awards and have less time to weigh offers and make a key life choice.Today on “Post Reports,” higher education reporter Danielle Douglas-Gabriel explains why students, families and colleges are in limbo. Today's show was produced by Sabby Robinson and mixed by Sean Carter. It was edited by Monica Campbell. Thanks to April Bethea. Subscribe to The Washington Post here.

With the soaring cost of college tuition, which at some private universities can hit over $80,000 a year, it's not surprising that over 85% of American families apply for financial aid. A critical step in that process is completing the FAFSA, the Free Application for Federal Student Aid. But this year, the Education Department's rollout of a new form has been bedeviled by delays and technical problems that are affecting the admissions process for colleges, students and their families. Some universities are rolling back enrollment deadlines while others are waiting in hope that the issues will resolve. We'll talk with financial aid experts and hear from you: Are you applying for financial aid? How has that process been for you? Guests: Eric Hoover, senior writer, Chronicle of Higher Education Anna Takahashi, director of college counseling, Eastside College Preparatory School, East Palo Alto Sonia Jethani, associate vice president, financial aid, Cal State East Bay Jake Brymner, deputy director of policy & public affairs, California Student Aid Commission

The U.S. vetoed a U.N. resolution calling for an immediate ceasefire in Gaza, and stood alone on the 15-member U.N. Security Council in its vote. To understand the veto and the current state of hostage negotiations between Israel and Hamas, we spoke with The Intercept's Prem Thakker.A newly-overhauled website for FAFSA, or the Free Application for Federal Student Aid, is not working as intended and it's creating chaos for students applying for college. Left in the dark about the size of their aid packages, some students don't know which schools they can afford. We discuss what the Department of Education says they're doing about it.And in headlines: two men were charged in last week's shooting at a Kansas City Super Bowl victory parade, librarians could be under attack in West Virginia, and Bridgit Mendler rides the Disney-Channel-star-to-CEO pipeline.Show Notes:The Intercept's Prem Thakker – https://theintercept.com/staff/premthakker/Politico: “College admissions face new turmoil after Biden's Education Department fumble” – http://tinyurl.com/2ywazaznChalkbeat: “Partial FAFSA fix lets students from immigrant families apply for financial aid” – http://tinyurl.com/29bydcr7CNBC: “Disney star turned space CEO: Bridgit Mendler launches satellite data startup backed by major VCs” – http://tinyurl.com/2cazb6cbWhat A Day – YouTube – https://www.youtube.com/@whatadaypodcastFollow us on Instagram – https://www.instagram.com/crookedmedia/For a transcript of this episode, please visit crooked.com/whataday

Paying for college can be a daunting prospect for many. Families can use the Free Application for Federal Student Aid, or FAFSA, to qualify for loans, grants, scholarships and work-study programs. The application has been revamped this year and is meant to be easier to use. I joined CBS Mornings to discuss. Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

A student's financial aid package is one of the most important factors in students' college decisions. WSJ's Oyin Adedoyin tells us that this year, the revamped Free Application for Federal Student Aid, or Fafsa, is causing grief for some families. Further Reading: -A Financial-Aid Form Is Upending College Decisions  -Families May Have to Make College Decisions Before Knowing Full Cost  Learn more about your ad choices. Visit megaphone.fm/adchoices

Families and students are facing confusion and technical problems while navigating the Free Application for Federal Student Aid, or Fafsa. Wall Street Journal personal finance reporter Oyin Adedoyin joins host J.R. Whalen to discuss how colleges are responding. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're diving into the dollar-saving-world of the Free Application for Federal Student Aid, better known as the FAFSA (which has seen some significant changes this year). Other than the cost of a hospital visit, nothing has skyrocketed in price like college tuition and fees over the past 20 years. You think your house or your new car is crazy expensive? Nope, just wait until your kid starts looking at colleges- that's when the real sticker shock kicks in! And that's why we're excited to be joined by Tina Steele who is known as The FAFSA Guru. Tina is an expert when it comes to financial aid- she has decades of experience whether she was directly working for different public and private universities, leading a statewide initiative in Maine helping disadvantaged students to pursue college, or creating incredibly valuable videos for her YouTube channel. Today we discuss the critical changes to the FAFSA, who those changes helped and who they hurt, costly mistakes that divorced parents make, the best strategy for appealing a financial aid offer, and other tactics for curbing college costs.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   During this episode we enjoyed a Blue Crab Special Reserve by Other Half Brewing- a big thanks to Jason for sending this one our way! And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money!   Best friends out!See omnystudio.com/listener for privacy information.