Marylanders with student debt may have an opportunity to have some or all of it forgiven but time is running out.

The average student loan debt of Marylanders 35 and older is more than $54,000. This summer, the U.S. Department of Education is conducting a one-time adjustment but borrowers who have non-federally held loans will need to consolidate their loans by the end of April.

The program will give borrowers who began paying after July 1, 1994, credit toward loan cancellation through its Income Driven Repayment program.

Cora Hume, attorney for the Consumer Financial Protection Bureau, said it is especially important for older borrowers to check their eligibility.

"Older borrowers are less likely to hold direct loans, which would already benefit from this pay-count adjustment," Hume explained. "Those that do own direct loans, they're less likely to participate in this IDR program that caps their monthly payments, based on family size and income."

She emphasized even if borrowers do not get a full cancellation, they may be able to significantly decrease their payments through the program.

Income Driven Repayment programs offer loan cancellation after 20 or 25 years of eligible payments. This summer's account adjustment will give borrowers credit for the maximum number of eligible payments over the history of their loan. Hume noted nationally, more than 1 million older borrowers are not in the direct loan program with an average outstanding balance near $30,000.

"The three loans that must be consolidated to receive this payment count adjustment (are) the commercially managed federally Family Education Loans, Health and Education Assistance loans, and Perkins loans," Hume outlined. "Another loan that sort of is a quasi-need for consolidation are Parent Plus loans. "

You can check on your eligibility at StudentAid.gov/loan-consolidation.

Support for this reporting was provided by Lumina Foundation.


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Ohio lawmakers are considering legislation that would raise the minimum wage to $15 per hour for most Ohio workers and create a refundable Ohio Earned Income Tax Credit.

Ohio's minimum wage is $10.45 per hour for most employees, which is higher than the federal minimum wage of $7.25 per hour.

Policy Matters Ohio economist Michael Shields said provisions in Ohio law weaken minimum-wage protections for certain groups, including workers younger than 16, workers who have a disability and tipped workers.

"Employers who staff tipped workers are allowed to claim a portion of those workers' tips and use it to offset the wages that they pay those workers," he said. "So, tipped workers can be paid as little as $5.25 per hour."

A citizen's ballot initiative to raise the wage will appear before voters this November if it gathers the more than 442,000 valid signatures needed by July 23 to be included on the ballot. Shields said increasing the minimum wage to $15 an hour would benefit nearly 1 million Ohioians, around 30% of whom are Black and Latino workers.

Shields said everyone deserves to be paid a wage that honors the value of work and is proportional to cost of living. Despite increases in worker productivity over the past few decades, he said employers have successfully kept wages down.

"The typical Ohio worker today produces about 76% more than their counterpart did at the end of the 1970s," he said, "but over that timeframe, wages for the worker in the middle, the median worker has gone up by just 4%."

If passed, the ballot measure would take effect in 2026. Senate Bill 256 would go into effect in 2028.

This story was produced in association with Media in the Public Interest and funded in part by the George Gund Foundation.

A collaboration between the federal government and local communities works to create new career opportunities.

The Flint Environmental Career Worker Apprentice Readiness Training Program is funded by the Biden Administration's Justice40 initiative.

Tony Johnson, a Black single father from Michigan, credits the program with altering his family's future. He started his carpentry apprenticeship in April 2024 and is now on track for a union job in Flint. Johnson said this is the only program he has ever been part of which has created a career opportunity.

"Imagine going to college and after finishing your program, the instructor line you up with jobs and they keep in contact with you," Johnson explained. "They gave us connections and comfort and stability knowing that we're not in this alone."

Johnson stumbled upon the program by chance and thinks it needs promotion in more Michigan communities. It partners with community colleges, historically Black colleges and universities and apprenticeship programs, training more than 13,500 people. It claims a 70% job placement rate.

Johnson noted as a single parent, trying to work in retail or other jobs would not have been as beneficial for his family's future.

"It's hard living on a single income nowadays with a one-parent household," Johnson acknowledged. "Right now I got the funds, the ability to be able to not just provide but to save for their future instead of living check to check."

Johnson added the apprenticeship program is not only stabilizing but creates a pathway to long-term security and the opportunity to retire one day. He sees it as a valuable lesson and encouraged a positive mindset in his children, emphasizing what they can achieve. The opportunity affects his family both mentally and physically, shaping their outlook on opportunities and possibilities.


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The nation's billionaires have doubled their wealth over the past seven years, while working people in West Virginia and elsewhere continue to face economic struggles.

The collective fortune of America's more than eight hundred billionaires hit a record $5.8 trillion in April, according to a new report by Americans for Tax Fairness.

Gary Zuckett, executive director of the Citizen Action Education Fund, said the Mountain State is just beginning to see the ramifications of a deep income tax cut that was passed last year by state lawmakers.

He said the lack of funding has made it difficult to address steadily worsening problems.

"Like the child-care crisis in West Virginia, the corrections crisis - our prisons have been in the state of emergency for the last three or four years," said Zuckett. "There's a lot of things that we need to be using our tax money for, besides giving it to the rich in income tax cuts."

America's billionaires now own more than 50% more wealth than does the entire bottom half of the nation's households.

Under the current tax code, however, the staggering wealth gains made by the richest are unlikely to ever be taxed.

Trump-era tax benefits for the wealthy enacted in 2017 are set to expire at the end of 2025.

Zuckett explains that the laws cut the top income-tax rate from more than 39% to 37%, and cut the corporate tax rate from 35% to 21%.

"The mom and pop grocery stores and the people working in Walmart, everyday working people," said Zuckett, "pay taxes on every dollar that they earn, but the system is rigged to benefit people at the top."

According to the report, if the wealthiest Americans were taxed at the rate of average Americans, the nation would have new potential tax revenue of roughly $120 billion each year, which could help pay for more affordable and accessible health care.





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