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Wellness

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.

Pop Culture

Here’s a paycheck for a McDonald’s worker. And here's my jaw dropping to the floor.

So we've all heard the numbers, but what does that mean in reality? Here's one year's wages — yes, *full-time* wages. Woo.

Making a little over 10,000 for a yearly salary.


I've written tons of things about minimum wage, backed up by fact-checkers and economists and scholarly studies. All of them point to raising the minimum wage as a solution to lifting people out of poverty and getting folks off of public assistance. It's slowly happening, and there's much more to be done.

But when it comes right down to it, where the rubber meets the road is what it means for everyday workers who have to live with those wages. I honestly don't know how they do it.


Ask yourself: Could I live on this small of a full-time paycheck? I know what my answer is.

(And note that the minimum wage in many parts of the county is STILL $7.25, so it would be even less than this).

paychecks, McDonalds, corporate power, broken system

One year of work at McDonalds grossed this worker $13,811.18.

assets.rebelmouse.io

This story was written by Brandon Weber and was originally appeared on 02.26.15

Representative photos by Canva and Evelyn Giggles|Flickr

Mom hilariously demands to know secret to clean kids' rooms.

Kids' bedrooms can be a source of contention in some households. Some kids are just naturally more tidy than others while some are more like little tornados leaving debris wherever they go refusing to clean it up. Parents can be on different wavelengths when it comes to how clean a child's room should be.

You've got the parents who are huge proponents of simply closing the door. If you can't see the mess, then the mess doesn't exist. You've got some parents that do a weekly or monthly clean themselves in an attempt to save their sanity. Then you've got the ones that have daily room cleans as part of their child's routine, but not everyone can or wants to be at that level.

Ariel B. recently posted a video asking parents to explain how they get their children to clean their rooms as she pans to her daughters' rooms that are in complete disarray.


The exhausted mom starts off by explaining that motherhood is ghetto. In fact she surmises that the "hood" people are talking about when they say the hood is ghetto is indeed motherhood before asking how other parents are doing it.

"My daughters' rooms are so nasty, everything you are ever looking for in your house is in them rooms," Ariel says.

This frustration started when her kids couldn't find their field trip shirts for summer camp, which prompted her to go in their rooms to investigate. She then shows everyone the room where the shirt was lost, exclaiming, "You couldn't find Jesus in this room. You couldn't find common sense, humility, any decent soul in this room."


The room was strewn with clothes, toys and other things. Commenters not only pointed out the mannequin head looking distressed under the bed but related hard to what the mom was saying and supported her rant.

"The mannequin head laying under table looking stressed. Her face looks like it’s saying 'help me,'" one person laughs.

"I'm closing the door. I have an almost 3 & 6 year old and I'm 37 weeks today…I close the door. It’s no way y'all messed the room up like this and expect me to clean it. So, when they get back from Florida, they can clean it themselves," another says.

"You're cracking me up! I can definitely relate to finding wrappers. I said 23 times don't eat in your room. I'm not cleaning it," another writes.

"That last part gets me crackin up every time I watch this. I watch this on the daily to remind myself it’s not just my kid," one mom admits.

But if you watch closely as Ariel pans the messy bedrooms you'll notice there's something important missing from the bed frames...a mattress. One person inquired about the important missing item and the response is not only comical but makes so much sense.

"I flipped the mattress looking for the orange shirt after I stepped on a Barbie jeep and almost broke my neck," Ariel explains before following up in another comment saying the mattress is in the hallway—it likely made it much easier to clean under the bed. And while the mom did receive some advice in the comments, it's unclear if she will heed any.

Democracy

This Map Reveals The True Value Of $100 In Each State

Your purchasing power can swing by 30% from state to state.

Image by Tax Foundation.

Map represents the value of 100 dollars.


As the cost of living in large cities continues to rise, more and more people are realizing that the value of a dollar in the United States is a very relative concept. For decades, cost of living indices have sought to address and benchmark the inconsistencies in what money will buy, but they are often so specific as to prevent a holistic picture or the ability to "browse" the data based on geographic location.

The Tax Foundation addressed many of these shortcomings using the most recent (2015) Bureau of Economic Analysis data to provide a familiar map of the United States overlaid with the relative value of what $100 is "worth" in each state. Granted, going state-by-state still introduces a fair amount of "smoothing" into the process — $100 will go farther in Los Angeles than in Fresno, for instance — but it does provide insight into where the value lies.


The map may not subvert one's intuitive assumptions, but it nonetheless quantities and presents the cost of living by geography in a brilliantly simple way. For instance, if you're looking for a beach lifestyle but don't want to pay California prices, try Florida, which is about as close to "average" — in terms of purchasing power, anyway — as any state in the Union. If you happen to find yourself in a "Brewster's Millions"-type situation, head to Hawaii, D.C., or New York. You'll burn through your money in no time.

income, money, economics, national average

The Relative Value of $100 in a state.

Image by Tax Foundation.

If you're quite fond of your cash and would prefer to keep it, get to Mississippi, which boasts a 16.1% premium on your cash from the national average.

The Tax Foundation notes that if you're using this map for a practical purpose, bear in mind that incomes also tend to rise in similar fashion, so one could safely assume that wages in these states are roughly inverse to the purchasing power $100 represents.


This article originally appeared on 08.17.17

Bill Gates in conversation with The Times of India

Bill Gates sure is strict on how his children use the very technology he helped bring to the masses.

In a recent interview with the Mirror, the tech mogul said his children were not allowed to own their own cellphone until the age of 14. "We often set a time after which there is no screen time, and in their case that helps them get to sleep at a reasonable hour," he said. Gates added that the children are not allowed to have cellphones at the table, but are allowed to use them for homework or studying.


The Gates children, now 20, 17 and 14, are all above the minimum age requirement to own a phone, but they are still banned from having any Apple products in the house—thanks to Gates' longtime rivalry with Apple founder Steve Jobs.

smartphones, families, responsible parenting, social media

Bill Gates tasting recycled water.

Image from media.giphy.com.

While the parenting choice may seem harsh, the Gates may be onto something with delaying childhood smartphone ownership. According to the 2016 "Kids & Tech: The Evolution of Today's Digital Natives"report, the average age that a child gets their first smartphone is now 10.3 years.

"I think that age is going to trend even younger, because parents are getting tired of handing their smartphones to their kids," Stacy DeBroff, chief executive of Influence Central, told The New York Times.

James P. Steyer, chief executive of Common Sense Media, a nonprofit organization that reviews content and products for families, additionally told the Times that he too has one strict rule for his children when it comes to cellphones: They get one when they start high school and only when they've proven they have restraint. "No two kids are the same, and there's no magic number," he said. "A kid's age is not as important as his or her own responsibility or maturity level."

PBS Parents also provided a list of questions parents should answer before giving their child their first phone. Check out the entire list below:

  • How independent are your kids?
  • Do your children "need" to be in touch for safety reasons—or social ones?
  • How responsible are they?
  • Can they get behind the concept of limits for minutes talked and apps downloaded?
  • Can they be trusted not to text during class, disturb others with their conversations, and to use the text, photo, and video functions responsibly (and not to embarrass or harass others)?
  • Do they really need a smartphone that is also their music device, a portable movie and game player, and portal to the internet?
  • Do they need something that gives their location information to their friends—and maybe some strangers, too—as some of the new apps allow?
  • And do you want to add all the expenses of new data plans? (Try keeping your temper when they announce that their new smartphone got dropped in the toilet...)


This article originally appeared on 05.01.17

What dog is best for you?


PawsLikeMe might know you better than you know yourself.

Hello from the other siiiiiiiiiiiiiiiiiiiide!!! I'm a dog and I love youuuuuuuu!!!

Because PawsLikeMe knows about your dreams.

Your DOG dreams, that is.

How? A dog-human personality quiz!

A sophisticated one, too! From their website:

"The personality assessment is based on 4 core personality traits that influence the human-canine bond; energy, focus, confidence, and independence."

It also takes into account environmental factors and other special circumstances as well.

It's not uncommon for dogs that are adopted to be returned because they just aren't compatible with their owner's life.



PawsLikeMe aims to stop dog-owner mismatch by playing dog matchmaker! Its goal is to help people find the right dog for them.

Need a dog that's friendly with kids but loves learning tricks and is also house-trained? DONE. Have other specific requirements? DONE!

Ya got options.

When you go on the website, you can opt to just answer the four most important questions in a dog owner's life:

1. What's your energy level?

2. What kind of parties do you like?

3. What kind of dog personality do you want?

4. What is your personality like?

After those four questions, you can begin searching for a doggie match.

Or you can opt for the full questionnaire (you should) ... and basically feel very, VERY understood.

I took the full PawsLikeMe quiz, and when I saw the results I was kindof taken aback:


PawsLikeMe GETS ME!

Then I was the whisked away to dogs who are just ready to love me.

Listen. My apartment in NYC doesn't allow dogs. But if it did? I'd be 91% ready to adopt Carli. She's perfect, and I love her. CUE ADELE and her songs of lost opportunities to love!

With all the 80 gajillion personality quizzes out there in the world, this one is hands down THE BEST.

Take it for yourself! You won't regret it.


This article originally appeared on 11.06.15