#student loan forgiveness update

[lovelylifecents]

How to Apply for Student Loan Forgiveness: A Complete Guide (Only 8 STEPS)

Student loan forgiveness is a lifeline for borrowers struggling to repay their loans. If you’re burdened by student debt and wondering how to apply for student loan forgiveness, this guide is for you. We’ll demystify the process, outlining key steps and insights to help you navigate the journey to debt relief. Understanding Student Loan ForgivenessTypes of Student Loan Forgiveness ProgramsPublic…

[thatrandomblogsays]

Sorry to tell you besties

Source:

[platinumgeek]

[orbitcareers]

Supreme Court Blocks Student Loan Debt Relief Plan Proposed by President Biden

Sources: In a significant development regarding student loan debt relief, the Supreme Court has ruled against President Joe Biden’s plan to provide relief to borrowers. The court’s decision on the matter of student loan debt relief, which was closely watched, has dealt a blow to the Biden administration’s efforts. The sharply divided Supreme Court held that the administration had exceeded its…

[beducateus]

Update: The Student Loan Debt Relief Application is Now Available to Everyone!

Update: The Student Loan Debt Relief Application is Now Available to Everyone!

If you’re looking for a way to ease your student loan burden, the time to act is now! The Student Loan Debt Relief Application is available in both English and Spanish, so everyone can take advantage of it. Plus, it’s optimized for use on both desktop and mobile devices. This one-time debt relief is provided by the U.S. Department of Education (ED) as part of the Biden-Harris…

[reasonsforhope]

"Seven federal agencies are partnering to implement President Biden’s American Climate Corps, announcing this week they would work together to recruit 20,000 young Americans and fulfill the administration's vision for the new program. 

The goals spelled out in the memorandum of understanding include comprehensively tackling climate change, creating partnerships throughout various levels of government and the private sector, building a diverse corps and serving all American communities.

The agencies—which included the departments of Commerce, Interior, Agriculture, Labor and Energy, as well the Environmental Protection Agency and AmeriCorps—also vowed to ensure a “range of compensation and benefits” that open the positions up to a wider array of individuals and to create pathways to “high-quality employment.”  

Leaders from each of the seven agencies will form an executive committee for the Climate Corps, which Biden established in September, that will coordinate efforts with an accompanying working group. They will create the standards for ACC programs, set compensation guidelines and minimum terms of service, develop recruitment strategies, launch a centralized website and establish performance goals and objectives. The ACC groups will, beginning in January, hold listening sessions with potential applicants, labor unions, state and local governments, educational institutions and other stakeholders. 

The working group will also review all federal statutes and hiring authorities to remove any barriers to onboarding for the corps and standardize the practices across all participating agencies. Benefits for corps members will include housing, transportation, health care, child care, educational credit, scholarships and student loan forgiveness, stipends and non-financial services.

As part of the goal of the ACC, agencies will develop the corps so they can transition to “high-quality, family-sustaining careers with mobility potential” in the federal or other sectors. AmeriCorps CEO Michael Smith said the initiative would prepare young people for “good-paying union jobs.” 

Within three weeks of rolling out the ACC, EPA said more than 40,000 people—mostly in the 18-35 age range—expressed interest in joining the corps. The administration set an ambitious goal for getting the program underway, aiming to establish the corps’ first cohort in the summer of 2024. 

The corps members will work in roles related to ecosystem restoration and conservation, reforestation, waterway protection, recycling, energy conservation, clean energy deployment, disaster preparedness and recovery, fire resilience, resilient recreation infrastructure, research and outreach. The administration will look to ensure 40% of the climate-related investments flow to disadvantaged communities as part of its Justice40 initiative.  

EPA Administrator Michael Regan said the MOU would allow the ACC to “work across the federal family” to push public projects focused on environmental justice and clean energy. 

“The Climate Corps represents a significant step forward in engaging and nurturing young leaders who are passionate about climate action, furthering our journey towards a sustainable and equitable future,” Regan said. 

The ACC’s executive committee will hold its first meeting within the next 30 days. It will draw support from a new climate hub within AmeriCorps, as well as any staffing the agency heads designate."

-via Government Executive, December 20, 2023

-

This news comes with your regularly scheduled reminder that WE GOT THE AMERICAN CLIMATE CORPS ESTABLISHED LAST YEAR and basically no one know about/remembers it!!! Also if you want more info about the Climate Corps, inc. how to join, you can sign up to get updates here.

[batboyblog]

Things Biden and the Democrats did, this week. #5

Feb 9-16 2024

The Department of Education released the first draft for a wide ranging student loan forgiveness plan. After Biden's first attempt at student debt forgiveness was struck down at the Supreme Court in 2023, this new plan is an attempt to replace it with something that will hold up in court. The plan hopes to forgive debt for anyone facing "financial hardship" which has been as broadly defined as possible. Another part of the plan hopes to eliminate $10-20,000 in interest from all student loans, as well as a wide ranging public Information push to inform people of other forgiveness programs they qualify for but don't know about.

The House passed 1.2 Billion Dollars to combat human trafficking, including $175 million in housing assistance to human trafficking victims

The Department of Transportation announced $970 Million for improvements at 114 airports across 44 states and 3 territories. They include $40 million to O'Hare International in Chicago to improve passenger experience by reconfiguring TSA and baggage claims, and installing ADA compliant bathrooms(!). The loans will also go to connecting airports to mass transit, boosted sustainability, installing solar and wind power, and expanding service to under served committees around the country.

Medicare & Medicaid released new guidelines to allow people to pay out of pocket prescription drug coats in monthly installments rather than as a lump sum. This together with capping the price of certain drugs and penalties for drug companies that rise prices over inflation is expected to save the public millions on drug coasts and assure people don't pass on a prescription because they can't pay upfront

The EPA announced its adding 150 more communities to its Closing America's Wastewater Access Gap Community Initiative. 2.2 Million Americans do not have basic running water and indoor plumbing. Broken and unreliable wastewater infrastructure exposed many of those to dangerous raw sewage. These Americans live primarily in poor and rural communities, many predominantly Black communities in the south as well as those on tribal lands. The program is aiming to close the wastewater gap and insure all Americans have access to reliable clear water.

The White House announced deferred action for Palestinians in the US. This means any Palestinian living in the United States, no mater their legal status, can not be deported for any reason for the next 18 months.

The Department of Energy announced $60 million in investment into clean geothermal energy. The plan will hopefully lead to a 90% decrease in the coasts of geothermal. DOE estimates hold that geothermal might be able to power the hopes of 65 million Americans by 2050 making it a key step in the Biden administration plan for a carbon-free grid by 2035 and net-zero emissions by 2050.

The EPA launched $83 million to help improve air quality monitoring across America. With updated equipment local agencies will be better able to report on air quality, give more localized reports of bad air quality and the country will be better equipped to start mitigating the problem

The Department of Energy announced $63 million in investments in domestic heat-pump manufacturing. Studies have shown that heat-pumps reduce green house gases by 50% over the most efficient condensing gas boilers, as technology improves this could rise to 75% by 2030. Heat pump water heaters meanwhile are 2 to 3 times as energy efficient as conventional electric water heaters.

HHS awarded $5.1 million to organizations working with LGBTQI+ Youth and their Families. The programs focus on preventing homelessness, fighting depression and suicide, drug use and HIV prevention and treatment, as well as  family counseling and support interventions tailored for LGBTQI+ families.

The House passed two bills in support of the oppressed Uyghur minority in China. The "No Dollars To Uyghur Forced Labor" Act would prohibit the US government from spending any money on projects that source materials from Xinjiang. The Uyghur Policy Act would create a permanent post at the State Department to coordinate policy on Uyghur Issues, much like the special ambassador on antisemitism.

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[lovethetasteofnothing]

Hi I seen ur requests are open so I wondering if you could possibly write sugar mommy hcs for Farah and/or valeria plz!😋

this is so good I just had to do it asap. i need drabbles for this too

Sugar mommy dynamics (HCs) - Valeria, Farah, Laswell

includes: kate laswell, farah karim, valeria garza (this is for the gay girls)

fem!reader, female anatomy, fem terms of endearment

warnings: nsfw content, dirty talk, spanking, use of straps/toys, fingering, degradation, consumption of alcohol,

word count: 1.8k, aprox. 600 words/ character

Valeria Garza (smut + fluff)

sugar mommy supreme

this woman is richer than god and her love language is gift giving

i don't see a better combo for a sugar baby

and she's a busy woman, she doesn't have time for relationships so this is right up her alley

i feel like it happened a little more or less by chance

like she was just talking about it one day to one of her men or he overheard her

and he subtly mentioned you because you were actively looking for a sugar mommy

neither of you knew what to expect at first, but after meeting her...

you went home and masturbated to a scenario about her

you were both on board with it being sexual from the get go so that worked out

makes you update a wishlist regularly and buys everything you put on it

sometimes you'd put an item there at night and wake up with the package at your door the next day

her card? black like her soul

and she just handed it to you one day like?

made you do a little runway show with all of the stuff you got with it

goes shopping with you to de-stress

she likes it more than you do, like this woman is making you try everything in the store if she wants to

makes you twirl so she can see the full outfit before smirking and nodding approvingly

holds the clothes for you while you're inside the store so you can browse easily

her guard carries the bags afterwards

this woman buys you designer on the regular

even though she doesn't wear it herself because it gets ruined on the job, she loves it on you

she took you to a fancy dinner with her business partners once

put you in a dress that costs more than your whole apartment (and a set of really nice lingerie underneath)

she made you cum all over the expensive fabric, squirming while she fingered you in the backseat of her car

"you're being so filthy, muñequita. por Dios, you even ruined your dress"

spanked you for being so "inconsiderate" even though it was her fault that you had a pool of cum dripping down your thighs

talking about spanking, she definitely spanks you with designer belts

like this woman does not care how much it costs

that piece of leather can pay off your rent for months

she'd probably pay off your student loans/ pay in advance for your rent and utilities

gives you a weekly allowance, sometimes buys you extra stuff if you've been good

her favorite thing to buy for you? lingerie and sex toys

makes you send her videos of you wearing them/using them on yourself

talking about texting, I think she'd leave you be most of the time since she's so busy

also enjoys the fact that you're a bare minimum engagement type of deal

she's just happy someone isn't pestering her 24/7, while she gets the advantages of making a girl squirt happy

she's constantly traveling and you don't see her for weeks sometimes

you asked her what she does because you got curious

"don't worry your pretty little head with useless details, cariño"

but she expects you to show up when she tells you to

on time, god forbid you're late

she had to wait for five minutes, you had to listen to her complain for hours

while her favorite strap stretched you out so good

makes you apologize and beg for forgiveness, promise you won't be late again

while bullying her strap into your already sensitive pussy, crying from the overstimulation as you whimper out promises and pathetic 'sorrys'

Farah Karim (fluff, i love Farah fluff okay?)

you still don't understand how it happened

like one day she was the cute regular customer at the coffee shop you worked at

and the next she was taking care of your rent and restocking your fridge

she just wanted to help you out since she had more than enough for herself

you didn't expect her to be that rich? because when she was a customer she was always dressed normal

don't get me wrong, she looked bomb, but she never gave off that 'i'm rich, look at me' energy

and she still doesn't, literally buys you the cutest stuff out of the kindness of her heart

keeps it casual, doesn't expect you to pay her back in any way

she can't help but smile when you kiss her cheek as a thank you after she hands you your allowance

doesn't want to pressure you into anything, she just likes the idea of taking care of someone

doordashes groceries for you because she knows you're too lazy to do them yourself

checks up on you every once in a while, mostly asks you to come over to keep her company and just chat

but you were renovating your apartament for a few days and you decided to stay with her

made sure you were nice and comfortable in the guest room and got everything you needed

also made sure to leave a few little gifts on your bed on your first day

got you some books and your favorite treats to keep you company while she's gone to work

and you realized you actually liked spending time with her and that her attention made you happy

so when she got home from work, two days before you were meant to leave you decided to speed things up a little

so surprised when you straddled her lap while she was talking

she thought you felt pressured to do it

she tried to start one of her monologues before you stopped her

you got so bold??? like just telling her you like her and it's not because she practically is your main source of income but because she's so nice as a person

baby got so touched she had to go smoke a cig to calm down

and now she's your girlfriend and sugar mommy

weekly dates (as long as she's not gone with work, makes up for it when she's back tho) to your favorite restaurants/locations in general

hates physical shopping but will power through for you

grabs whatever she thinks you'd look cute in and makes you try it

you got so so flustered when she gave you a revealing outfit to try on

she had already bought it in her head before you even tried it on

also loves to spoil you with little things

like getting you gorgeous flowers every week, making sure they're replaced before they wilt

ordering your favorite food for you when she works long nights

buying you the nicest skincare/makeup because she sees how your face lights up from it

i feel like she'd always bring a trinket home (uhaul lesbian things)

something that melts your heart too because she really pays attention to everything you say

like getting a box of pastries from that really luxurious bakery that's close to her office

buying you a new pair of sneakers because they match the outfit she got you last week

literally bought you a stunning outfit for your one year anniversary

dress, heels, jewelery everything designer because fuck it she loves spoiling you rotten

money comes on her card and leaves it, but you're a forever type of investment

Kate Laswell (fluff + smut)

canon mommy

also a sugar baby's dream

she paid for your drink (TF 141 went wild when they saw her)

so she pulled you to the side and paid for the rest of your consumption too and for your taxi back home

a bit sad when you told her you weren't looking for a relationship

so she did what's best and spoke to your capitalism rotten brain and asked to be your sugar mommy

you had shit to pay off okay? and she was hot and spoke to your mommy issues...

takes it slow until she doesn't anymore (with consent ofc!)

when she asked you to hang out at her place and drink some wine, you didn't think anything of it

that was until you were bent over the couch, hands pinned down as she scissored your pussy open

made a little bet with you, every minute you could last without having an orgasm, she'd give you your allowance's worth in cold hard cash

you were cocky until she stuck that fucking vibrator inside of you

she pushed it in so deep and made sure it was hitting that sweet spot that made your whole body weak

didn't even need to wait too long before you squirted on her expensive couch

you didn't get a lot of money that night....

and you lost some of your dignity too

made sure to send over a bouquet of flowers to your workplace to remind you of how expensive house cleaning got these days

so fucking cocky and flirty when she feels like it

but also a sweetheart

would regularly ask you if you were doing well and eating properly

has food delivered to your door everyday so she knows you have a balanced diet

makes you take so many days off from work until you just decide to quit

she's way too happy knowing that you're now so much more available for her use

entertains the idea of being your only source of income for a bit

"you can just relax, take it easy. i'll take care of things for you"

busy woman no. 2

but she'd never forget to take you out on a fancy date somewhere really expensive to remind you how nice she treats you

made sure you had everything you'd ever need and then fed into your little whims and fantasies

doesn't have enough time to spare for you to show her what you got but she'd be happy inside knowing you were entertained and pleased

offers to send you on your dream vacation since she can't go

you beg her for so long until she finds a way to take a short break and enjoy her time with you there

this woman is literally working in the hotel while you go out shopping

you give her a nice massage after she finishes most of it because she deserves it <3

gets room service the next day for the both of you and spends the rest of the day cuddling you and visiting places

she definitely didn't develop feelings and neither did you, no not at all

she's upfront about it because really, what's the point?

she's too old to play the whole 'chase' thing

so while you're enjoying the jacuzzi in your room and sipping on some wine, she decides that's the best moment

you nearly choke on the wine

but she looks so...<3 and you know she'd treat you so well...

[marzipanandminutiae]

Hello I was just wondering if you've seen Imani Barbarin talk about not voting (https://x.com/imani_barbarin/status/1747723080917492020?s=46&t=55h0eHrgY7FtQI8ej54maw)? I saw you reblog the post about "not waiting for the morally pure candidate" and I think that's a willful misrepresentation of what Gen Z is feeling

We've not seen Biden address ANY of the things the post claims (climate change is the only one I remember without scrolling back) but we have seen him approve more oil licenses than trump, drop more bombs than trump, support a genocide, abandon disabled people and any Covid mitigations during the second highest surge since the start of the pandemic (with less testing so odds are things r even worse than we can tell), bring back student debt, etc etc

As a Gen Z'r, I genuinely want to understand how y'all can believe "no vote is a vote for fascism" when both candidates are horrendous? Why is the onus on us and not the politicians to do better instead of pointing fingers and saying "at least we're better than Trump" when that is categorically untrue?

I'm sorry if this is too rant-y I'm just so furious and frustrated with my perception of older voters' complacency with being given utter shit instead of organizing for better

I am trying very hard to be reasoned and understanding about this- bearing in mind that we want the same things in the end and I'mnot jazzed for Biden either -when it's extremely, EXTREMELY obvious to me that Trump is worse.

Like.

If he gets elected there might not be another election. The man was theoretically willing to use military force to quell protests if he lost the 2020 election (why he didn't, I don't know; but I'm not willing to give him that chance a second time).

Trump has called himself a dictator, proudly, in the same breath as saying "we're closing the border and we're drilling, drilling, drilling." Biden does NOT remotely have a perfect record on either of those things- he was locked into some construction of the border wall by how the funds had already been allocated by Congress during the Trump administration, but not everything he's done in relation to it, which also pisses me off. As for the oil thing, it's a bit more complicated than it seems on the surface: not as simple as "he doesn't actually care about the environment" even as it's definitely not a good move or in line with his stated climate goals.

As for those climate goals, I found this interesting article that rates key areas of climate action and how they've fared during the Biden administration. It was updated in January, and it is not sycophantically uncritical across the board. But that is LEAGUES more progress than we'd get under a system of "drilling, drilling, drilling" with absolutely no concessions to the climate crisis at all.

His handling of the situation in Palestine...yeah, I struggle with that, too. I know he's been trying to talk their leaders down, to some degree, but it's not nearly enough to me. And I STRONGLY disagree with us selling them weapons. However, Trump's statements on the matter- calling for a ban on Gazan refugees in the US, calling pro-Palestinian protestors "barbarians," and saying he'd revoke the student visa of anyone he deemed "anti-American" -makes me believe that letting him get into power is not something my conscience would allow, vis a vis the fate of the Palestinian people. Because it would be exponentially worse.

I also think the material good that has happened under the Biden administration has been...MASSIVELY under-publicized. Because like. He HAS addressed things. Lots of things, in fact.

this article from last year was too early to include pardoning thousands of people federally convicted of simple marijuana possession (again, not perfect, but still very good), setting new rules to limit methane emissions, capping prices for at least some major insulin producers, partial student loan debt forgiveness (tried to do more, but got hamstrung by Republicans), cancelling oil leases granted by Trump in the Arctic National Wildlife Refuge (not enough given the leases HE granted, but it's not nothing either), and much more I'm sure I'm overlooking. Because, again, nobody's been talking about it. It sells more news subscriptions to feed readers an endless stream of what Biden is doing wrong- which I am not denying! -leaving people with the dangerous impression that both sides are the same. Republicans would not have done any of this. That's just the truth of the matter.

Look, I would like a better option, too. I would love to actually LIKE a presidential candidate in my lifetime. I'd love one who wouldn't make concessions to the interests of selfish, heartless people with ledgers where their sense of human compassion should be. I just don't see that person coming to power between now and November.

And I'll take someone who is Standard US Politician Slimy but at least makes some improvements (unfortunately, I doubt there's anyone with a chance of winning in less than a year who doesn't support Israel to some degree, since this country have a long history of that) over someone who might actually stage a right-wing military coup, and who would kill me and other marginalized people himself if he thought it would get him more fame and fortune.

Some people say their conscience won't let them vote Biden. I can't tell them what to do. But if he gets the Democratic nomination, my conscience wouldn't let me do anything else.

[ufoend]

∆ please help us

we can not afford any of our basic needs

i usually try to keep this as light as possible, but i have put this off for long enough that i have to post this. me and my partner desperately need help. we are just two gay people trying to make it alone here with absolutely no support system. *remaking because the first post died

who we are: im j (or jet), im 24 year old trans guy whose had this account since 2014. i married my partner in 2018, we even met on tumblr when we were younger, we've been together for years. my partner is disabled (diagnosed with autism and seizure disorder and others)

what we need: basic needs, help with vet care, dental emergency assistance and general support. our cat had an emergency surgery two years ago that means he needs to be on a prescription diet (hills urinary food) for his entire life. the vet suddenly said we need to bring him in again to get his prescription renewed and we cant order any more food for him until then, which he will not survive without, and he is not allowed to eat any alternative food without risking his life. we have less than half of a 8 lb bag of it which will not last him through the next month. with the vet, food, and ubers to get to the vet and to the only place they sell the food = 200

to try to summarize our situation, we were kicked out by family and made officially homeless for the first time last year. this is right after we moved across states (wa to az) to support my partners family upon their request, only to be subjected to abuse and kicked out directly due to homophobia in an unfamiliar state after a few months. this left both of us and all of our animals entirely homeless. we luckily have an apartment now but our situation isnt stable. we lost all of our belongings at this time, everything we had built, and have not been able to replace them as we have very fixed income. my partner is especially affected by this situation, as it was traumatizing, and they have just had to power through trauma after trauma because of poverty, more than i can say.

i also have severe and painful dental problems that are not covered by medicaid in az and i have no way to afford. this includes wisdom teeth, root canals, and many cavities that will turn into that crazy expensive treatment if i don't fix it. some may remember my post about this (+this) showing the work i need. i cant keep ignoring it, because they are worried about two of the cavities becoming root canals, and i want to prevent another infection, but thats at least 250 each i also lost a cap and need to replace it to save the tooth, but that's at least 600.

we are still not going to be able to afford rent in future months because our EBT was delayed last month and i had to spend money we don't have, and without student loan forgiveness, my partner will not have loans anymore so we are in serious jeopardy even affording rent, let alone bills. our pets (2 cats 1 small dog) also desperately need vaccinations, which is dangerous to keep going this overdue without with their health problems. our dog has also been limping for the past week and he needs to be seen when that is ever possible, at least 65 plus ubers.

any donations would go first to the vet appointment and cat food, then the other needs in order of priority. will keep updating this, i know its a lot and i really don't expect anything as i know it's well over 1000 for it all, i am begging for help with any of this.

we are both students, we are trying to work towards stability, while being stuck here. i do everything i can to bring in money to support us on my own. we make 200 less than rent is monthly. i am in school to become a caseworker so i am aware of a lot of resources in my area, and have applied for everything, but we can not do this alone which is why i have to ask for help. i am so sorry for having to do this but i appreciate any support that i do have because of this website. you guys literally save my life. helping out other poor people and getting helped out on here has been the most compassion ive ever been a part of. dollars, even pennies, worth of donations has kept my cat safe, has affected me in real ways. it actually matters to us, no matter the amount.

thank you anyone who reblogs, donates anything at all, or reaches out

*

p*ypal email (best): ptcustomcomp@yahoo.com

v*nmo: @tobler707

c*shapp: $tobler707

[dontmeantobepoliticalbut]

In October, tens of millions of borrowers will be required to pay their monthly federal student loan bills for the first time since March 2020, the Department of Education clarified Monday.

The pandemic-related pause on both payments and interest accumulation has been set to end later this summer, though the exact date payments would be due was a little fuzzy.

The Biden administration had previously said that the pause would end either 60 days after June 30 or 60 days after the Supreme Court rules on the separate student loan forgiveness program – whichever comes first.

A law passed in early June to address the debt ceiling officially prevented the pandemic-related pause from being extended again. The repayment date has been extended a total of eight times under both the Biden and Trump administrations.

“Student loan interest will resume starting on September 1, 2023, and payments will be due starting in October. We will notify borrowers well before payments restart,” the Department of Education said in a statement sent to CNN Monday.

The update was first reported by Politico.

Borrowers typically receive their bill statements from their loan servicer a few weeks before they are due. Not every borrower’s bill is due at the same time of the month.

The Department of Education has said that it will be in direct communication with borrowers and ramp up its communication with student loan servicers before repayment resumes.

Student loan experts recommend that borrowers reach out to their student loan servicer with any questions about their loans as soon as possible, especially if they are interested in enrolling in an income-driven repayment plan. Those plans, which set payments based on income and family size, can lower monthly payments but require borrowers to submit some paperwork.

Federal student loan borrowers can check the Federal Student Aid website for updates on resuming payments.

SOME BORROWERS COULD BE AT RISK OF DEFAULT

Some borrowers may struggle to resume paying their monthly student loan bills.

More student loan borrowers are currently behind on other kinds of bills than they were before the COVID-19 pandemic, according to a recent study by the Consumer Financial Protection Bureau.

The report also said that about 1 in 5 student loan borrowers have risk factors that suggest they could struggle when scheduled payments resume, like being delinquent on student loan payments before the pandemic or having multiple student loan servicers.

When payments restart, many people might be confused about how much they owe, when to pay and how. Millions of borrowers will have a different servicer handling their student loans since the last time they made a payment.

Originally, the pause on federal student loan payments was put in place to help borrowers struggling financially due to the pandemic.

From a jobs perspective, the economy has largely recovered from the pandemic-related disruptions. In May, 3.7 million more people were working than in February 2020.

But there are some soft spots. Major layoffs have recently been announced at big companies like Disney and Amazon. Earlier this year, a regional banking crisis was set off by the collapse of Silicon Valley Bank, the largest bank to fail since the 2008 financial crisis. And inflation remains high but is cooling after reaching a 40-year peak last year.

STUDENT LOAN FORGIVENESS STILL ON THE TABLE

Meanwhile, all eyes are on the Supreme Court as borrowers wait to see if the Biden administration will be allowed to move forward with its student loan forgiveness program. A decision is expected in late June or early July.

Under the proposal, individual borrowers who made less than $125,000 in either 2020 or 2021 and married couples or heads of households who made less than $250,000 a year could see up to $10,000 of their federal student loan debt forgiven.

If a qualifying borrower also received a federal Pell grant while enrolled in college, the individual is eligible for up to $20,000 of debt forgiveness.

But several lawsuits argue that the Biden administration is abusing its power and using the pandemic as a pretext for fulfilling the president’s campaign pledge to cancel student debt.

No debt has been canceled yet. But if the Supreme Court allows the program to take effect, it’s possible the government moves quickly to forgive the debts of 16 million borrowers who the administration already approved for relief.

If the Justices strike down Biden’s student loan forgiveness program, it could be possible for the administration to make some modifications to the policy and try again – though that process could take months.

[dertaglichedan]

Two federal judges in Kansas and Missouri on Monday sided with GOP-led states

The Biden Administration has already approved almost $160 billion in relief

READ MORE: Student loan forgiveness update: Key deadline extended by Biden

Joe Biden's student debt relief plan suffered a major hit Monday as two federal judges partially blocked a measure of a plan that is costing the nation $160 billion.

[fatfemme-inist]

Okay, I know we're all disappointed that Biden didn't forgive all the student debt like we had hoped, but I just finished applying for my updated income-driven repayment plan after finishing Round 2 of grad school, and the SAVE plan is life changing.

Prior to grad school, I was making $62K per year, and my student loan payments were around $500 per month. Income driven repayment plans were calculated based on 15% of your "discretionary" income, which was counted as anything over a certain amount relative to the federal poverty level for your household size. I had basically stopped contributing to my retirement accounts at work because I couldn't afford it.

On the SAVE plan, I recorded my current income of $67K per year, and my student loan payments are estimated at $150! Despite making $5000 more per year, my payment has gone down significantly! The calculator takes into account money spent on health insurance premiums and money saved towards your retirement, lowering your payments accordingly. The new plan also requires you pay 10% rather than 15% of your discretionary income.

That $350 per month is an absolute life saver for me. It also means that once I'm at my new job, I can set my retirement savings at an actually comfortable level instead of worrying about how much my student loan payments will eat into it.

[diazevan]

I think the Buckley siblings are definitely upper class and they never really had to worry about money. Not because of the down payment on the house, because of everything. We know Buck had college money and he spent them on his bike and going around the world to find yourself is not really something people who struggle with money do. Also I think both SEAL training and FIRE academy aren’t free and that’s not really something you can pay with bartending tips. Buck entire lifestyle is very rich kid coded: moving out of a house you don’t pay to an apartment you rent for sentimental reasons, planning hot balloon dates, suing the LAFD (lawyers are very expensive) and his whole vibe.

Sorry, this answer is long! 9-1-1 isn't particularly known for its accuracy regarding the earnings of first responders. We forgive that because it's fictional.

Update: According to their website, All LAFD programs are free aside from the $73 signup fee and also states, 'The Department does not charge for any of our recruitment and mentoring services.'

The Buckley siblings are not trustfund babies. I’m not saying their parents aren't well-off, I don’t doubt that, but it doesn't mean they shared their wealth with their adult children (until helping Madney with the deposit.) I’m saying ‘adult’ because I believe while they were growing up, the parents funded everything parents are expected to: clothes, food, etc.

Let’s work with what we know. In Buck Begins, Maddie says ‘I'm gonna go nights so I can work during the day, pay for it myself. That way, I won't need to ask Mom and Dad for anything ever again.” I’m guessing that despite their parents doing their bare minimum of what is expected, they weren’t too kind about it, highlighted by how Maddie says this line. She knows she’ll either not get the financial support from her parents, in becoming a nurse, or they’ll complain about it if they do.  So, she goes it alone, deciding to almost work twenty-four days so she doesn’t have to ask them for money!

In 4x04, while arguing with his parents, he says this, “She married Doug, and you cut her off.” Maddie was married to Doug for eleven years, that’s eleven years no contact with her parents, after they cut her off. Cut off contact, and likely cut any kind of financial support. They wanted nothing to do with her, as Buck repeatedly points out in this scene.

What about Boston? I’ve seen that so many times on twitter. How did Maddie afford to live in Boston for six months and get expensive medical treatment? Doug’s life insurance. She received $400, 000. She says in 5x13, “I used most of my savings when I left,” which matches the belief that she used this money to fund her care in Boston.

Now, you’re right about Buck’s college tuition money. “Maybe you use your tuition money to make some cool modifications on your bike.” We don’t know for sure if this was entirely funded by his parents or if he had student loans. Since I am British, all I know about college is from movies, apparently some parents will keep college funds aside from their children as standard. So perhaps, yes, he did have a tuition fee paid by his parents, which maybe is why he rebelled.  Remember this is young, angry and restless Buck, he was likely to burn through that money like it meant nothing, because being reckless or getting hurt, was his way of gaining his parents attention.

But more importantly, is what happened next. When Buck leaves Hershey, Maddie gives him her Jeep and some of her own money. “Look, I can give you a little bit of money to get started, and then you can go anywhere you want.” It is Maddie who funds Buck’s ticket out of that house, giving up her two means of escape. Savings she had, from working her arse off in Boston and as a nurse! Now, Buck’s dynamic with his sister, is so different to his parents. He likely kept that money very safe and was incredibly frugal because Maddie gave it to him. So, it was more special.

Quite explicitly, we see that Buck never settles down when he’s on the road. He goes, from one place, to the next, to the next. Picking up many jobs. Likely couch surfing, sleeping in the jeep, or cheap motels, Buck didn’t have hefty bills to pay! He could save up, on the road.  All those years of traveling around, and saving would fund NAVY Seals and Firefighter training. What also helped, is he lived in a Frat House, not making him financially liable for all the bills, which were split evenly across all the guys. Then he lived in Abby’s apartment, where once again, he wasn’t paying any bills. With a fireman’s salary, while living in a frat house, and sharing the bills, he likely found it easier to save. Making it easier to fund a hot air balloon ride, a nice studio apartment, and then a lawyer!

They do call Buck's place a "frat house," but I'm not sure how true that was, but if it was an actual frat house and he didn't make any payments, that's more savings. But I don't think he wanted to stay in the frat house.

Buck also couch-surfed in LA! He lived with Chimney and then Maddie, for a considerable amount of time before ever moving into his apartment. Time he likely spent saving.

Anyway, that’s what we know. I still can’t ever believe the Buckley parents ever set up trustfunds. Neither Maddie nor Buck saw a dime after they left or were cut off. Not until more recently now that the Buckley Parents are attempting to make an effort. Still, Buck and Maddie grew up self-efficient, relying on each other, not their parents.

On an unrelated note, I would be interested to see a storyline of when one of their parents passes away though. If they do get left with money, I wonder if it would strike up the argument that money doesn't fix all the problems and neglect they experienced during their childhood and beyond.