Author: Stumora Education Team
The first week nearly broke him. Tuan Le’s father came home at 7:00 AM, his casino dishwasher shift finally over, and collapsed into bed. His mother pulled Tuan aside quietly. “He lost five pounds,” she whispered. Just seven days of night shifts, scrubbing plates in a Canadian casino, and his father—who had owned a house back in Vietnam, who never had to worry about money there—was physically falling apart. Tuan was angry. Not at his father, but at the decision that brought them here. His parents had sold everything. Given up a comfortable life. For what? A basement apartment and…
Starting July 1, 2026, part-time federal student loan limits will be prorated based on enrollment levels. This article explains what changes, how proration works, who’s affected, and how students can avoid major financial gaps by acting before the deadline. If you’re studying part-time or considering it, here’s something you need to know right now: federal student loan rules are changing on July 1, 2026, and it directly affects how much money you can borrow. Starting that date, your loan limit won’t be the same whether you’re full-time or part-time anymore. Instead, it will depend on exactly how many credits you’re…
Starting July 1, 2026, part-time federal student loan limits will be prorated based on enrollment levels. This article explains what changes, how proration works, who’s affected, and how students can avoid major financial gaps by acting before the deadline. If you’re studying part-time or thinking about it, listen up. Starting July 1, 2026, federal student loans are changing in a way that directly affects how much money you can borrow. It’s called proration, and for part-time students, it’s a significant shift from how things work today. I’m going to walk you through exactly what this means, why it matters, and what…
1. What Is RAP? Starting July 1, 2026, the Repayment Assistance Plan (RAP) is the new—and only—income-driven repayment option for most new federal student loan borrowers in the U.S. Introduced by the One Big Beautiful Bill Act (OBBBA), RAP replaces popular prior plans like SAVE, PAYE, and IBR for anyone who takes out loans after this date. Important: For most borrowers, RAP payments will be higher than previous plans. 2. How Does RAP Work? Real Example: A borrower earning $50,000 pays about $208/month under RAP. 3. The Marriage Rule RAP counts your spouse’s income even if you file taxes separately—a major difference from SAVE. Married borrowers will likely see significantly higher…
If you took out a federal student loan after July 1, 2026, or if you’re considering doing so, there’s a new reality you need to understand. The income-driven repayment landscape just fundamentally changed, and not everyone is talking about it yet. The Repayment Assistance Plan (RAP) is the new income-driven repayment option introduced by the One Big Beautiful Bill Act (OBBBA), and it’s replacing most existing plans for new borrowers. But here’s the critical part: RAP is more expensive than what existed before, has a longer repayment timeline, and works in ways that might catch you off guard if you…
If you’re planning to become a nurse, physical therapist, or pursue any advanced health profession, you need to read this carefully. The Department of Education just made a decision that could cost you thousands of dollars—and it’s causing outrage across the country. Graduate students in nursing, physical therapy, speech-language pathology, social work, and other allied health fields are suddenly facing a harsh reality: they’ve been excluded from the government’s definition of “professional degrees.” This isn’t just a technical classification—it directly affects how much money you can borrow for graduate school. Let me break down exactly what happened, what changed, and…
Executive Summary The longest government shutdown in United States history officially ended on November 12, 2025, when President Donald Trump signed a continuing resolution passed by Congress. The record-breaking 43-day impasse—shattering the previous 35-day record—crippled federal operations from October 1 through November 12, 2025. While the immediate crisis has passed, its aftermath reveals a nation divided over healthcare affordability, the proper role of government, and whether compromise remains possible in American politics. How the Crisis Began: The Perfect Storm of Political Disagreement The 2025 government shutdown originated from a fundamental disagreement over whether Congress should extend enhanced Affordable Care Act…