Interest on federal student loans will begin accruing for borrowers in New York and across the nation starting this month. The Education Data Initiative finds $93 billion in federal student loan debt belongs to New Yorkers. The average amount of debt is almost $38,000 among the almost 2.5 million student borrowers in the state.

Brian Walsh, director of advice and planning with the personal finance company SoFi, said the new students should consider the return they receive on education before taking on student loan debt.

"At the end of the day, the loans are going to have to be paid back, and you want to make sure that you borrow enough money in order to get an education and further your earning power, and improve your quality of life, and things like that," he said. "But, you don't want to borrow too much money where it's going to negatively affect major aspects of your life."

Some of these major events could be buying a house, getting married and having kids. Walsh advised people be proactive about their repayments and check with their loan servicer to see when repayments begin in October.

As so many people prepare to repay their student loans, Walsh noted there could be challenges such as high inflation and interest rates that have stretched people's finances. Focusing solely on the monthly payment is a common mistake people make when repaying their loans, he said.

"Current monthly payments are important because they need to fit into your monthly budget. But, when it comes to loans, it's really a tradeoff between what you pay now and the amount you pay over the lifetime of the loan. So, you need to kind of go into that with eyes wide open that a lower payment isn't always going to be best for you," Walsh explained.

He said the interest rate will have a big impact on the cost of borrowing. A higher interest rate could mean paying back more money than initially borrowed. But, he added with federal student loans, the interest rate is set based on the type of loan and when it was taken.


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North Dakota high schools are in spring sports mode and there is lingering tension from winter sporting events, where Native American players endured racist taunts from non-Native fans, and one lawmaker wants more follow-through with the response.

Several incidents of players being subject to discriminatory behavior from the stands have prompted apologies from districts of opposing schools. The state High School Activities Association has responded, including by implementing a zero-tolerance policy.

Rep. Lisa Finley-DeVille, D-Mandaree, who represents the Fort Berthold Reservation, said the rules are not being widely enforced.

"The laws are there, they created them. It's about enforcing them," Finley-DeVille emphasized.

The Association also created a special committee to handle these matters, and Finley-DeVille noted she plans to engage with the panel over the summer. She hopes the input will lead to a better environment during games next year. The federal government already has its own civil rights investigation underway, stemming from an incident involving the Jamestown district last year.

Finley-DeVille appealed to the Department of Education Civil Rights Division last month with her own complaint. Meanwhile, she encouraged North Dakota to allow for Tribal Flag Songs to be performed before sporting events, just like the national anthem. She suggested it could help create more awareness among non-Native fans.

"The more education they (receive) about things, the better understanding they will have of Native Americans," Finley-DeVille pointed out.

DeVille acknowledged South Dakota already allows the practice. She added the department is evaluating whether her complaint against the Activities Association will lead to a separate probe. The Association did not respond to a request for comment.


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Minnesotans who haven't completed their tax returns yet might be fretting about meeting the April 15th deadline. For those facing language barriers or other resource issues, the concern is even greater, but help is available. In the Twin Cities and around Minnesota, there are free tax preparation sites staffed with multi-lingual volunteers, including those who speak Spanish. And the organization COPAL provides plenty of tax guidance to Latino populations in the communities it serves.

Claudia Lainez, Workers' Center director of the Communities Organizing Latino Power and Action said that includes assisting undocumented individuals as they get ready to file their returns. Despite certain myths, she said they are required to pay taxes like everyone else.

"And they pay a lot more taxes because, sometimes, they are not eligible for credits," she explained.

A key change this year is that these households are eligible for Minnesota's new Child Tax Credit. Undocumented people file their returns using an Individual Taxpayer Identification Number, or I-TIN. COPAL and partner organizations can help secure this tool. On its website, the state Department of Revenue lists free preparation sites that help those who speak little or no English.

Some of these locations are by appointment only or have limited hours. Meanwhile, Lainez said part of their education is explaining to immigrants who are new to the state the importance of paying taxes.

"We have to provide information that taxes are good for the infrastructure of the city where you live in - for schools, for example, " she continued.

With less than two weeks before the tax filing deadline, she says there's also guidance for information seekers on how to get an extension. Certain sites in the state also help Hmong, Somali and Vietnamese populations.

As the nation observes National Medal of Honor Day, facilities in Florida and Texas are under construction to serve as perpetual memorials commemorating the heroic actions of recipients for their valor and sacrifice.

In Sebring, Florida, a memorial honoring the 24 recipients of the Medal of Honor from the Sunshine State is underway, with plans to celebrate 18 of them posthumously.

Mike Borders, chairman of the Florida Medal of Honor Memorial, anticipates the completion next year, featuring a botanical garden showcasing 90% native Florida plants, aiming to offer a memorable and inspiring experience for visitors.

"The second thing we want to do is educate our citizenry, primarily our youth, about the high cost of freedom," Borders explained. "Freedom is not free. Lots of men and women throughout our nation's history have died to preserve the freedoms that we hold dear."

Florida schools now mandate teaching about Medal of Honor Day. There are only 63 living recipients out of the more than 3,500.

In March 2025, Arlington, Texas will witness the opening of the National Medal of Honor Museum, paying homage to all the nation's heroes and their sacrifices.

Chris Cassidy, president and CEO of the National Medal of Honor Museum Foundation, is a retired Navy SEAL and former lead astronaut for NASA. Beyond getting people to visit and check out the memorabilia on display, he hopes learning will take place way beyond the museum's walls.

"Our goal is to really inspire the nation through stories of courage and sacrifice of Medal of Honor recipients," Cassidy stressed. "To do that, we've created a leadership institute largely focused on character development in K-12."

Cassidy underscores the National Medal of Honor Griffin Institute's collaboration with the NFL, which sponsors the Character Playbook , a digital platform that integrated Medal of Honor-focused modules. The aim is to empower students to embody the values of courage, commitment and integrity. Cassidy says he witnessed the impact firsthand during a visit to Westglades Middle School, where Miami Dolphins players and Medal of Honor recipient Kyle Carpenter left a lasting impression on students.

Cassidy added he witnessed the effect firsthand during a visit to Westglades Middle School, where Miami Dolphins players and Medal of Honor recipient Kyle Carpenter left a lasting impression on students.


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