Biden Administration Cancels $1.5B In Student Loans Via Borrower Defense; Here’s How You Can Apply
In his campaign, President Joe Biden promised to cancel student loan debt up to $10,000 per borrower, but the student loan forgiveness legislation has been tough to enact. However, what will come as a relief to borrowers, the Department of Education has given nod to $1.5 billion worth of student loan discharges through borrower defense to repayment.
What Is Borrower Defence?
Borrower defense is a program offered by the Federal Student Aid (FSA) office to forgive loan debt of students who were misled by their higher education institution, which include schools violating state laws and those engaging in misconduct, Fox 10 reported.
Around 92,000 students who attended institutions like Westwood College, Marinello Schools of Beauty, ITT Technical Institute, and Court Reporting Institute will benefit from the Biden administration’s decision.
In 2013, after the closure of the Corinthian Colleges, students filed similar claims.
How To Apply For Student Loan Forgiveness
To qualify, a student must have attended an institution that misled him about the quality of courses it offered or earning prospects.
For example, around 18,000 students who had enrolled in ITT Tech and whose loans were forgiven, say the institution didn’t offer them clarity regarding job placement and employment prospects.
To apply for loan forgiveness, an application form has to be filled in which transcripts and other information regarding the school have to be provided.
Following Information Also Needs To Be Included:
— Names and titles of institution’s officials who misled you
— Brochures, promotional material provided by the institution, websites, emails, enrolment agreements
— What kind of information did the institution provide or didn’t provide?
Steps To Take If You Don’t Qualify For Loan Forgiveness
Under the Biden administration, only a small proportion of the 45 million students qualify for loan forgiveness. If your application is rejected you have the option to ask the Department of Education to reconsider it. However, there are other options you can exercise if you don’t make the cut.
Take a look:
Get an income-driven loan repayment plan. You can pay 10-20 percent of your income as student loan repayment depending on what kind of federal loan you have.
You can apply for additional forbearance. Federal Student Aid gives three years of student loan forbearance. If you have taken a loan from a private lender, get in touch with them to see what kind of forbearance programs they have.
There are alternative student loan forgiveness programs that you can try. These include Teacher Loan Forgiveness Program, Public Service Loan Forgiveness, and permanent disability discharges.
Another option is to refinance private student loans as only federal loans are covered under borrower defense. You still have to repay private school loans. Refinancing a loan can reduce your monthly repayment, save money in interest money and pay debt faster.
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Megan Trutt Dies: What Exactly Happened To Her?
Megan Trutt, a 37-year-old Rochester, New York, resident, was tragically engaged in a deadly accident on Friday, February 19, 2023. Her family and friends have been devastated by the event, which has also made others wonder whether pedestrians in cities are safe. Through several media outlets, the New York State Police confirmed this information and hinted at ongoing inquiries. To learn more about Megan Trutt, including who she was, how she passed away, what caused her passing, memorials, and much more, continue going through the article.
Megan Trutt: How Did She Die?
A pick-up truck struck a female pedestrian on Rt. 104 overnight into Friday, seriously injuring her, according to the New York State Police. According to the NYSP, the woman was walking in the centre lane travelling east when she was struck by the pick-up vehicle, which was unable to avoid her. The vehicle was also hit by another car.
The pedestrian was then taken to Strong Memorial Hospital, according to the police, where she was treated for her severe wounds. Authorities claim that neither of the drivers showed signs of intoxication or weakness, and neither was injured.
Although the facts surrounding Megan’s death are still being investigated, early indications point to the truck driver perhaps being at blame. The collision happened at a notoriously dangerous junction for pedestrians, and there had been several other accidents there recently.
Cause Of Death
On February 19, 2023, Megan Tuck, 37, a longtime Rochester, New York resident, suddenly passed away. The New York State Police confirmed on Saturday that she was struck by a pick-up truck on Highway 104 and died due to her injuries.
She reportedly died after being killed by a truck that hit her as she crossed the roadway. Authorities said they are currently investigating the accident.
Her friend Rachel Santiago posted information about the service on Facebook and stated:
“Hello, All! This is information on Meg’s Celebration of Life, including information on the event in Mifflinburg, Pennsylvania. A celebration in Rochester, New York, with more information to come, WILL be held shortly after. So don’t worry if you live here! All of her loved ones will be able to attend our lovely celebration. Follow us for more information. Choose your deadliest black outfit and make her proud while you wait. Let’s send her goodbye in style, like the boss that she will always be. #WeLoveYouMeg.”
Accidents involving pedestrians can be caused by various things, such as speeding, being distracted while driving, and inadequate visibility. Yet, the absence of pedestrian-safe infrastructure, such as walkways, crosswalks, or bike lanes, is one of the significant reasons for pedestrian accidents. Pedestrians are frequently considered a secondary consideration in metropolitan settings mainly built with cars in mind.
Also, word of Megan’s passing soon filtered through the neighbourhood, and many people expressed their horror and sympathised with the grieving family. Many people in her town adored Megan because of her reputation for kindness and compassion.
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Davis Causey died: Know His Cause Of Death
On Sunday, February 19, 2023, Davis Causey, a guitarist with the Sea Level Band, tragically went away. Let’s see how he died.
Davis Causey: Cause Of Death
A Sea Level Band member named Davis Causey had passed away. Causey gained popularity in Athens and abroad for his ability to combine various sounds uniquely.
Long after he is gone, his music will be remembered for the profundity and emotional resonance it gave its listeners.
His passing was verified by Strolling Bones Records, which released a statement that says, “It is with a heavy heart that we announce the passing of Davis Causey. Davis was an incredibly talented musician with an exceptionally kindhearted, caring soul. We are all devastated by his loss. Our hearts are with his family and loved ones at this time.”
His brother Randall Bramblett shared a sympathy message on social media to share the terrible news.
Davis Causey, an American guitarist, was a part of the Sea Level band of Southern rock musicians. In 1976, Sea Level was established by Allman Brothers Band alumni Chuck Leavell and Jaimoe. The ensemble included renowned musicians Jimmy Nalls, Lamar Williams, and Randall Bramblett.
It has been announced that Davis Causey has passed away. Davis Causey died abruptly on Sunday, February 19, 2023, from unidentified causes.
Social media was swamped with condolences after Davis Causey’s passing was announced. His abrupt passing shocked and grieved his friends and family.
Randall Bramblett verified Davis’s passing in a social media post. He omitted to identify his reason for death, though.
We respect the privacy of Davis Causey’s family during this difficult time, as they have not yet revealed the cause of his death.
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Deane Lester dead: All You Need To Know About His Death
The world of horse racing was prepared for it. But, that didn’t make it any simpler. Deane Lester, a highly regarded expert, has gone.
As word recently surfaced that Lester was engaged in a struggle with an aggressive malignancy, tears were already welling up in the business.
At 54, he passed away in the night at Melbourne’s Alfred Hospital with his family by his side.
After Lester’s passing was confirmed, the industry in Australia as a whole — many of them from Channel 7 — entered a state of profound sadness.
Around 11 p.m. last night, a statement from the racing and sports radio station RSN confirmed that Lester had passed away peacefully.
An immediate outburst of emotion followed the news.
“It is with great sadness we inform you of the passing of our much-loved friend and colleague Deane Lester,” the statement read.
“We extend our deepest condolences to Deane’s mother Sandra and his partner Leanne.”
Lester has struggled with health problems all of his life.
He had Spina Bifida at birth, and starting in 2002, he relied on a mobility scooter to get around.
“Despite this, Deane never complained, moving forward with courage and dignity,” the statement read.
He only recently received a rare sort of cancer diagnosis.
More than $290,000 has been raised through a “Go Fund Me” campaign to help Deane with her needs, including medical expenses.
In a recent memorial video for Lester produced by Chanel 7, renowned broadcaster Bruce McAvaney he talked warmly of his colleague.
“What about that humour and that ability to go with the question and almost know what you want- that rhythm and that tone, that authenticity, that moment when he says ‘Flemington Race 5 The Turnbull stakes and my numbers are … we’ll give you those later,’ and that wisdom,” McAvaney said.
“If I could collect a couple of people and talk racing for an hour, and look them in the eye and enjoy – Deano would be there, boy, I’d love to do that – I hope I do.
“And then finally that trust, we just trust him don’t we, we absolutely do.”
Everyone adored Lester, according to Channel 7 horse racing reporter Katelyn Mallyon, a fourth-generation jockey.
“He’s so popular, everyone loves Deano, and I think everyone’s just drawn to listening to him whether it be on radio, or Channel 7,” she said.
“He’s incredibly talented at reading a race but more importantly, reading a jockey’s mind.
“We’re going to fight with you Deano and we love you to bits.”
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