Sacramento, Calif. -- En enero, los estudiantes con préstamos deberán comenzar a liquidar sus deudas nuevamente, ya que la pausa en el pago relacionada con la pandemia está a punto de expirar.

Un nuevo informe analiza formas de solucionar problemas en el sistema de préstamos estudiantiles.

La coautora del informe, Michelle Dimino, dice que los programas de pago son demasiado complejos, especialmente para los maestros, trabajadores de la salud y trabajadores sociales que solicitan el programa de condonación de préstamos de servicio público.

"En este momento, solo alrededor del 1% de los solicitantes que están pidiendo la condonación de prestamos de servicio publico, están realmente viendo aprobadas sus solicitudes," informa Dimino.

El informe también encontró que el plan de pago basado en ingresos está llegando a muy pocas personas, y muchos se desaniman cuando sus pagos solo cubren los intereses y no el capital del préstamo.

En los EE. UU., 45 millones de deudores están luchando por menos de uno punto seis trillones de dólares en deudas por préstamos estudiantiles.

Dimino dice que ahora es el momento de considerar propuestas para poner límites a los intereses de los préstamos estudiantiles o bien hacer la transición a tarifas únicas por adelantado en lugar de cobrar intereses.

"Es una oportunidad en el periodo previo al levantamiento de la congelación de pagos para pensar realmente si existen alternativas al interés," dice Dimino. "Tasas de interés mas bajas, periodo de gracia con intereses u otras políticas) que podrían ayudar a garantizar que los deudores realmente estén pagando la deuda principal que han sacado."

A partir de octubre, el nuevo comité de préstamos estudiantiles del Departamento de Educación de los Estados Unidos abordará estos problemas en una serie de reuniones mensuales. Las audiencias estarán abiertas al público a través de una transmisión en vivo.

La Fundación Lumina proporcionó apoyo para este informe.



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A new Gallup and Lumina Foundation poll unveils a concerning reality: Hoosiers may lack clarity about the true cost of higher education.

The survey reveals merely 23% of U.S. adults without college degrees could estimate the annual net cost of a bachelor's degree from a public college within $5,000 of the actual expense. The repercussions of the financial fog can be overwhelming for students.

Gabriela Espinoza, a 27-year-old nursing student at IUPUI in Indianapolis, said looming debt from school casts a shadow over her future.

"I'm trying to figure out what my debt is going to look like and how long it's going to take me to pay off," Espinoza explained. "I'm luckily in a position right now where I live at home with mom, and she's been helping me out. You know, eventually, I'd like to think about moving out and moving on my own."

Among those polled, 75% believe a bachelor's degree is "extremely" or "very" valuable. However, cost is a major deterrent for many who wish to get a degree. Experts say higher education leaders need to bring clarity to the true cost of college to reduce confusion and provide a pathway for the millions of Americans who have considered college but have not yet enrolled.

For those participating in the poll, 31% have considered stopping coursework within the last three months due to the cost of attending college.

Parker Madison, another nursing student at IUPUI, said the expense is a major concern.

"If you get your college education, you still may be making the same amount as someone without a degree," Madison pointed out. "I feel like sometimes the college education's not even worth it."

More than half, about 56%, of unenrolled adults said cost is a very important reason they are not pursuing a post-high school education. Debt is also a factor for students who stopped out of college, with 35% of students saying loans prevented them from returning to finishing their degree.


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Educators and public school advocates are pushing back on a measure which would consolidate state-funded services that have been an important part of schools in rural Iowa for generations. Some state lawmakers said the funding could be used more efficiently.

Area Education Agencies have been the go-to place for educators in rural Iowa when they need state services at the local level, in all 99 Iowa counties. House Bill 2612 would consolidate the agencies, outsource some of their services and give the state oversight of them.

Mike Owen, deputy director of the group Common Good Iowa, said the agencies have been critical resources for generations.

"The Area Education Agencies have been a very valuable regional system that helps school districts, large and small, with various services that they can't really do on their own," Owen explained. "From special education to media services, to professional development of teachers."

Gov. Kim Reynolds, who signed the measure, said it will provide a more efficient way to spend the state's education dollars. It is scheduled to take effect July 1.

The battle over public school funding has been playing out on a variety of fronts in Iowa, which enjoys a reputation for some of the best-quality public education in the nation. The state recently enacted a private school voucher program, paid for with state dollars.

Owen sees consolidating the Area Education Agencies and outsourcing some of the services they provide as another step in the wrong direction for Iowa's K-12 classrooms.

"It's total disrespect to locally elected decision-makers for schools," Owen contended. "One more example of how education, unfortunately, is being used to pit people against one another, when it is really a unifying value for Iowans."

There are nine Area Education Agencies in Iowa. The State Department of Education will assume oversight of all of them.


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The solar eclipse has sparked more interest in science and technology, especially among young people.

But the saying, 'You can't be what you don't see,' is a reality for youth of color considering a Science, Technology, Engineering, and Math career.

A 2024 Black Girls and STEM Report indicates this demographic aspires to become astronauts, engineers and more -- but a lack of Black representation can dampen their enthusiasm.

Crystal Morton is the founder and director of the Girls STEM Institute, which offers courses for girls ages 7 to 18.
She said the emphasis is on relevant cultural content and careers for girls who might not otherwise have access to these experiences.

"That might be doing a session on the science of Black hair," said Morton, "looking at different products to understand the science behind how that product is made, and what's in that product or how it may be impacting them. So, we make our own products. You can be able to look at a label and say, 'Hey, I should be able to pronounce what I'm putting on my skin, or in my hair.'"

She said the students quickly get the connections.

The National Center for Science and Engineering Statistics says about one-third of STEM workers are women. But Black workers make up only 18% of the 35 million people employed in STEM fields.

Morton said the Institute's Saturday programs are in partnership with the Indiana University, Indianapolis School of Education. And in the summer, volunteers engage with students about careers in aviation and medicine.

As a former math teacher, Morton said she believes early exposure to this information is key, and said kids begin showing their curiosity as early as third grade.

"Understanding how things happen with technology, that they all need to have different mathematical levels of understanding," said Morton. "They need to have computational thinking skills, because that's the way this world is moving. And I believe that they do have it -- if you just sit back and watch them play, you see the problem solving happen."

A report on Indiana's STEM education priorities shows the number of undergraduate degrees is up since 2015, but the number of STEM-related degrees awarded hasn't moved much.

Hispanic and Black students earn between 3% and 5% of those STEM degrees. They make up 6% and 9% of the state's population, respectively.