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Democracy

Biden administration announces it will cancel student debt for over 300,000 disabled Americans

Biden administration announces it will cancel student debt for over 300,000 disabled Americans
via US Secretary of Defense / Flickr

One of the most shocking facts of American life is that it takes an average of 21.1 years for the average borrower to pay off their student loan debt.

Most hope that after getting an education they can bear the burden of their loans by having a successful career. But some have their careers derailed or ended altogether by becoming disabled whether by an accident or disease.

This can put someone in a perilous situation that wasn't their fault. They've lost the ability to earn an income but still have to make monthly payments for a degree that they may not need anymore.


The Biden administration announced Thursday that it will cancel the student loan debt for over 323,000 people who are "totally and permanently disabled" and have limited incomes.

The debt cancellation will total over $5.8 billion.

The federal government had laws in place to help disabled people pay off their student loan debts. However, the system required regular income verification and was difficult for many to navigate.

In 2016, a federal watchdog group found that 98% of those dropped from the loan forgiveness program had their loans restored because they failed to keep up with the paperwork, not because they made too much money.

Under the new action, the federal government will erase student debt for the 323,000 Americans identified in Social Security records as being permanently disabled. The recipients won't have to submit any further income checks or risk being eliminated from the program.

All of the loans are expected to be eliminated at the end of the year. Borrowers will be notified when their debt has been discharged.

"This is going to be a smooth process for our borrowers," Education Secretary Miguel Cardona said in a statement. "They're not going to have to be applying for it or getting bogged down by paperwork."

via Michael Fleshman / Flickr

Aaron Ament, president of the National Student Legal Defense Network, called it a "life-changing" step.

"This is a huge moment for hundreds of thousands of borrowers with disabilities who can now move on with their lives and won't be trapped in a cycle of debt," he said.

"With this simple and sensible change, more than 320,000 borrowers and their families are being freed from the burden of student loans that they should not have to repay," Representative Bobby Scott, a Democrat from Virginia and chairman of the House Education and Labor Committee, said in a statement.

The move comes as part of a broader movement by the Biden administration to lessen the burden of student debt for many Americans. The administration extended the student debt payment moratorium enacted in March 2020 through January 31, 2022.

Earlier this year the administration canceled $1.3 billion in student debt held by seriously disabled borrowers whose canceled loans were reinstated after they failed to show proof of their earnings.

Another wave of loan forgiveness canceled $8.7 billion in debt for people who were victimized by schools that made false promises or abruptly closed shop.

Currently, 42.9 million Americans hold $1.59 trillion in federal student loan debt.

Science

MIT’s trillion-frames-per-second camera can capture light as it travels

"There's nothing in the universe that looks fast to this camera."

Photo from YouTube video.

Photographing the path of light.

A new camera developed at MIT can photograph a trillion frames per second.

Compare that with a traditional movie camera which takes a mere 24. This new advancement in photographic technology has given scientists the ability to photograph the movement of the fastest thing in the Universe, light.


The actual event occurred in a nano second, but the camera has the ability to slow it down to twenty seconds.

time, science, frames per second, bounced light

The amazing camera.

Photo from YouTube video.

For some perspective, according to New York Times writer, John Markoff, "If a bullet were tracked in the same fashion moving through the same fluid, the resulting movie would last three years."


In the video below, you'll see experimental footage of light photons traveling 600-million-miles-per-hour through water.

It's impossible to directly record light so the camera takes millions of scans to recreate each image. The process has been called femto-photography and according to Andrea Velten, a researcher involved with the project, "There's nothing in the universe that looks fast to this camera."

(H/T Curiosity)


This article originally appeared on 09.08.17

Health

Her mother doesn't get why she's depressed. So she explains the best way she knows how.

Sabrina Benaim eloquently describes what it's like to be depressed.

Sabrina Benaim's “Explaining My Depression to My Mother."

Sabrina Benaim's “Explaining My Depression to My Mother" is pretty powerful on its own.

But, in it, her mother exhibits some of the most common misconceptions about depression, and I'd like to point out three of them here.

Misconception #1: Depression is triggered by a single event or series of traumatic events.

empathy, human condition, humanity

Depression isn’t just over sleeping.

Most people think depression is triggered by a traumatic event: a loved one dying, a job loss, a national tragedy, some THING. The truth is that depression sometimes just appears out of nowhere. So when you think that a friend or loved one is just in an extended bad mood, reconsider. They could be suffering from depression.

Misconception #2: People with depression are only sad.

family, parents, mom, anxiety

The obligation of anxiety.

Most people who have never experienced depression think depression is just an overwhelming sadness. In reality, depression is a complex set of feelings and physical changes in the body. People who suffer from depression are sad, yes, but they can also be anxious, worried, apathetic, and tense, among other things.

Misconception #3: You can snap out of it.

button poetry, medical condition, biological factors

Making fun plans not wanting to have fun.

The thing with depression is that it's a medical condition that affects your brain chemistry. It has to do with environmental or biological factors first and foremost. Sabrina's mother seems to think that if her daughter would only go through the motions of being happy that then she would become happy. But that's not the case. Depression is a biological illness that leaks into your state of being.

Think of it this way: If you had a cold, could you just “snap out of it"?

No? Exactly.

empathy, misconceptions of depression, mental health

Mom doesn’t understand.

via Button Poetry/YouTube

These are only three of the misconceptions about depression. If you know somebody suffering from depression, you should take a look at this video here below to learn the best way to talk to them:

This article originally appeared on 11.24.15

Here's how to be 30% more persuasive.

Everybody wants to see themselves in a positive light. That’s the key to understanding Jonah Berger’s simple tactic that makes people 30% more likely to do what you ask. Berger is a marketing professor at the Wharton School of the University of Pennsylvania and the bestselling author of “Magic Words: What to Say to Get Your Way.”

Berger explained the technique using a Stanford University study involving preschoolers. The researchers messed up a classroom and made two similar requests to groups of 5-year-olds to help clean up.

One group was asked, "Can you help clean?" The other was asked, “Can you be a helper and clean up?" The kids who were asked if they wanted to be a “helper” were 30% more likely to want to clean the classroom. The children weren’t interested in cleaning but wanted to be known as “helpers.”


Berger calls the reframing of the question as turning actions into identities.

"It comes down to the difference between actions and identities. We all want to see ourselves as smart and competent and intelligent in a variety of different things,” Berger told Big Think. “But rather than describing someone as hardworking, describing them as a hard worker will make that trait seem more persistent and more likely to last. Rather than asking people to lead more, tell them, 'Can you be a leader?' Rather than asking them to innovate, can you ask them to 'Be an innovator'? By turning actions into identities, you can make people a lot more likely to engage in those desired actions.”

Berger says that learning to reframe requests to appeal to people’s identities will make you more persuasive.

“Framing actions as opportunities to claim desired identities will make people more likely to do them,” Berger tells CNBC Make It. “If voting becomes an opportunity to show myself and others that I am a voter, I’m more likely to do it.”

This technique doesn’t just work because people want to see themselves in a positive light. It also works for the opposite. People also want to avoid seeing themselves being portrayed negatively.

“Cheating is bad, but being a cheater is worse. Losing is bad, being a loser is worse,” Berger says.

The same tactic can also be used to persuade ourselves to change our self-concept. Saying you like to cook is one thing, but calling yourself a chef is an identity. “I’m a runner. I’m a straight-A student. We tell little kids, ‘You don’t just read, you’re a reader,’” Berger says. “You do these things because that’s the identity you hold.”

Berger’s work shows how important it is to hone our communication skills. By simply changing one word, we can get people to comply with our requests more effectively. But, as Berger says, words are magic and we have to use thgem skillfully. “We think individual words don’t really matter that much. That’s a mistake,” says Berger. “You could have excellent ideas, but excellent ideas aren’t necessarily going to get people to listen to you.”


This article originally appeared on 2.11.24

Pop Culture

A comic about wearing makeup goes from truthful to weird in 4 panels.

A hilariously truthful (and slightly weird) explanation of the "too much makeup" conundrum.

Image set by iri-draws/Tumblr, used with permission.

A comic shows the evolution or devolution from with makeup to without.

Even though I don't wear very much makeup, every few days or so SOMEONE...

(friends, family, internet strangers)

...will weigh in on why I "don't need makeup."


Now, I realize this is meant as a compliment, but this comic offers a hilariously truthful (and slightly weird) explanation of the "too much makeup" conundrum.

social norms, social pressure, friendship, self esteem

“Why do you wear so much makeup?"

Image set by iri-draws/Tumblr, used with permission.

passive aggressive, ego, confidence, beauty

“See, you look pretty without all that makeup on."

Image set by iri-draws/Tumblr, used with permission.

expectations, beauty products, mascara, lipstick

“Wow you look tired, are you sick?"

Image set by iri-draws/Tumblr, used with permission.

lizards, face-painting, hobbies, hilarious comic

When I shed my human skin...

Image set by iri-draws/Tumblr, used with permission.

Not everyone is able to turn into a badass lizard when someone asks about their face-painting hobbies. Don't you kinda wish you could? Just to drive this hilarious comic all the way home, here are four reasons why some women* wear makeup:

*Important side note: Anyone can wear makeup. Not just women. True story.

Four reasons some women* wear makeup:

1. Her cat-eye game is on point.

mascara, eyes, confidence

Her cat-eye game is on point.

Via makeupproject.

2. She has acne or acne scars.

acne, cover up, scarring, medical health

She has acne or acne scars.

Via Carly Humbert.

3. Pink lipstick.

lipstick, beauty products, basics, self-expression

Yes, pink lipstick.

Via Destiny Godley

4. She likes wearing makeup.

appearance, enhancement, creative expression

Happy to be going out and feeling good.

Happy Going Out GIF by Much.

While some people may think putting on makeup is a chore, it can be really fun! For some, makeup is an outlet for creativity and self-expression. For others, it's just a way to feel good about themselves and/or enhance their favorite features.

That's why it feels kinda icky when someone says something along the lines of "You don't need so much makeup!" Now, it's arguable that no one "needs" makeup, but everyone deserves to feel good about the way they look.

For some people, feeling good about their appearance includes wearing makeup. And that's totally OK.


This article originally appeared on 05.28.15

Joy

Adorable 'Haka baby' dance offers a sweet window into Maori culture

Stop what you're doing and let this awesomeness wash over you.

If you've never seen a Maori haka performed, you're missing out.

The Maori are the indigenous peoples of New Zealand, and their language and customs are an integral part of the island nation. One of the most recognizable Maori traditions outside of New Zealand is the haka, a ceremonial dance or challenge usually performed in a group. The haka represents the pride, strength, and unity of a tribe and is characterized by foot-stamping, body slapping, tongue protrusions, and rhythmic chanting.

Haka is performed at weddings as a sign of reverence and respect for the bride and groom and are also frequently seen before sports competitions, such as rugby matches.



The intensity of the haka is the point. It is meant to be a show of strength and elicit a strong response—which makes seeing a tiny toddler learning to do it all the more adorable.

Here's an example of a rugby haka:

Danny Heke, who goes by @focuswithdan on TikTok, shared a video of a baby learning haka and omigosh it is seriously the most adorable thing. When you see most haka, the dancers aren't smiling—their faces are fierce—so this wee one starting off with an infectious grin is just too much. You can see that he's already getting the moves down, facial expressions and all, though.

@focuswithdan When you grow up learning haka! #haka #teachthemyoung #maori #māori #focuswithdan #fyp #foryou #kapahaka ♬ original sound - 𝕱𝖔𝖈𝖚𝖘𝖂𝖎𝖙𝖍𝕯𝖆𝖓

As cute as this video is, it's part of a larger effort by Heke to use his TikTok channel to share and promote Maori culture. His videos cover everything from the Te Reo Maori language to traditional practices to issues of prejudice Maori people face.

Here he briefly goes over the different body parts that make up haka:

@focuswithdan

♬ Ngati - Just2maori

This video explains the purerehua, or bullroarer, which is a Maori instrument that is sometimes used to call rains during a drought.

@focuswithdan Reply to @illumi.is.naughty Some tribes used this to call the rains during drought 🌧 ⛈ #maori #māori #focuswithdan #fyp ♬ Pūrerehua - 𝕱𝖔𝖈𝖚𝖘𝖂𝖎𝖙𝖍𝕯𝖆𝖓

This one shares a demonstration and explanation of the taiaha, a traditional Maori weapon.

@focuswithdan Reply to @shauncalvert Taiaha, one of the most formidable of the Māori Weaponry #taiaha #maori #māori #focuswithdan #fyp #foryou ♬ original sound - 𝕱𝖔𝖈𝖚𝖘𝖂𝖎𝖙𝖍𝕯𝖆𝖓

For another taste of haka, check out this video from a school graduation:

@focuswithdan When your little cuzzy graduates and her school honours her with a haka #maori #māori #haka #focuswithdan #fyp #graduation @its_keshamarley ♬ Te Kura Kaupapa Māori o Ngāti Ruanui - 𝕱𝖔𝖈𝖚𝖘𝖂𝖎𝖙𝖍𝕯𝖆𝖓

Heke even has some fun with the trolls and racists in the comments who try to tell him his culture is dead (what?).

@focuswithdan Credit to you all my AMAZING FOLLOWERS! #focuswithdan #maori #māori #followers #fyp #trolls ♬ original sound - sounds for slomo_bro!

Unfortunately, it's not just ignorant commenters who spew racist bile. A radio interview clip that aired recently called Maori people "genetically predisposed to crime, alcohol, and underperformance," among other terrible things. (The host, a former mayor of Auckland, has been let go for going along with and contributing to the caller's racist narrative.)

@focuswithdan #newzealand radio in 2021 delivering racist commentaries 🤦🏽‍♂️ #māori #maori #focuswithdan #racism DC: @call.me.lettie2.0 ♬ original sound - luna the unicow

That clip highlights why what Heke is sharing is so important. The whole world is enriched when Indigenous people like the Maori have their voices heard and their culture celebrated. The more we learn from each other and our diverse ways of life, the more enjoyable life on Earth will be and the better we'll get at collaborating to confront the challenges we all share.


This article originally appeared on 01.28.21