More than 36 million people with federal student-loan debt have not been required to make a payment for over two years, but it could soon change.

A moratorium on federal student-loan payments went into effect in March 2020 and has been extended three times, with a current expiration date of May 1.

Rome Busa, director of adult programs and services for College Now in Greater Cleveland, pointed out with the average Ohio college graduate facing an average loan debt of roughly $30,000, the benefits of the freeze have been tremendous for borrowers.

"Now the flip side of that is, even though it's been a pause on the burden of repayment, it hasn't completely canceled it or taken it away," Busa cautioned. "So, at some point some action needs to be taken on both the borrower's side and the federal government's side. Right now, everything's at a standstill and there's really no solution being provided."

There are calls for the Biden administration to issue some federal student-loan forgiveness before the pause expires, or to extend the moratorium, since Americans are now fighting inflation as they struggle to recover from pandemic economic losses. Private lenders, who are not covered by the moratorium, claimed it is unfair for borrowers who do not need it, and argued it is driving down demand for their products.

Busa explained there is also talk about changing federal loan interest rates and other policies to make sure calculations are more fair.

He believes what is more important is addressing the high price tag for a college education. The average cost has more than doubled since the start of the century, and now stands at about $35,000 a year.

"If the costs keep rising, then the student debt will also continue to rise, because people need education to grow and to get a career," Busa contended. "That need to educate oneself is never going to go away."

In the meantime, Busa urged borrowers to prepare for payments to resume, and examine options to lower payments. Those include public service loan forgiveness and income-based repayment plans.

"And all of those have kind of different calculations all based off of their income, which helps lower those payments," Busa outlined. "It's possible to have a zero-dollar payment under one of these income-driven plans. And those zero-dollar payments actually count as an eligible payment toward their student loan."

He added College Now and other partners across the country can help student borrowers navigate the loan process.

Reporting by Ohio News Connection in association with Media in the Public Interest and funded in part by the George Gund Foundation.

High school graduates have the option before taking their next academic step to choose a gap year - for traveling, relaxing, or researching different careers. But a growing trend is to get an apprenticeship.

This summer, Indiana's Office of Work-Based Learning and Apprenticeship turns four - and well over 100 companies and organizations have set up apprenticeship programs based on its guidelines.

These positions can last a few months to several years, and provide workplace skills and insight.

Sue Smith - a vice president in the School of Advanced Manufacturing, Engineering, and Applied Science at Ivy Tech Community College of Indiana - said these programs give an apprentice some definite advantages.

"Most apprenticeships have not only on-the-job training, but they also have the attainment of college credentials along the way," said Smith. "It's just a matter of not 'college or apprenticeship,' but 'college and apprenticeship.'"

Construction, Heating, Ventilation and Air Conditioning (HVAC), electrical, carpentry and plumbing trades have traditionally been the most sought-after apprenticeships.

But Smith said the opportunities are expanding to include nursing, health sciences, Information Technology (IT), and cybersecurity.

Indiana has set standards for apprenticeships, in terms of the pay, work hours required, and the need for mentoring - as part of its State Earn and Learn (SEAL) program.

More employers across the state are meeting those standards, and Smith said an apprenticeship is a win for both student and employer.

"And we're getting," Smith said, "more and more of those, where the employer partner says, 'Hey, I'm looking for these folks. If you have them come into your classrooms and they're looking for this type of employment, let us know - connect us.'"

The Office of Work-Based Learning and Apprenticeship says 94% of apprentices who complete their programs retain employment and earn an average salary of $70,000 dollars a year.

Support for this reporting was provided by Lumina Foundation.




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Massachusetts, like other states, continues to struggle with a shortage of teachers. But for one English teacher at Martha's Vineyard Regional High School, not even a daily four-hour commute via car and ferry could keep her from the classroom.

Dani Charbonneau is the coordinator of an embedded alternative education program called Project Vine - which integrates "at-risk" students into the student body with the same curriculum and schedule, but with added adventurous field trips and special programming.

Charbonneau said if school is fun, kids will come.

"You know," said Charbonneau, "it can be very painful for some people to try and get through the traditional educational model, and there's room for alternatives."

Charbonneau - the 2023 Massachusetts "Teacher of the Year" - said Project Vine aims to increase student engagement, reduce chronic absenteeism, and break what is often a family legacy of bad high school experiences.

If she can do that, she said, students will start to view their education in a new light.

Charbonneau said what sets Project Vine apart from other alternative programs is that her "at risk" students are not apart from their peers, and are still able to participate in extracurricular activities and electives.

She's encouraged state education officials and lawmakers to create grants for schools interested in following the Project Vine model, and said she hopes they'll keep good data on their progress.

"So that we can get a real sense of what works," said Charbonneau, "and really use that to drive the educational choices that are being made."

As part of her state award, Charbonneau became a candidate for the "National Teacher of the Year." But she said she told the judges she wasn't interested.

The responsibilities and travel that come with the title would mean too much time away from her students.





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Arizona educators spoke out about what they're calling a teacher retention crisis in the state and released a proposed budget for how the state should address the issue.

According to the Arizona Education Association, as of last January, Arizona has almost 2,900 teacher vacancies.

Of the vacancies that have been filled, they say 45% of them have been filled by individuals who don't meet standard teacher certification requirements.

President of the Tucson Education Association Margaret Chaney said each one of those vacancies translates to a classroom full of students being taught by what she calls a "long-term sub" or classrooms being combined.

"Arizona has plenty of experience in talented educators," said Chaney, "but far too many are leaving the profession faster and earlier than previous years because of low salaries, underfunded schools and a lack of respect."

Those with the AEA released their 2023 Educator's Budget and are calling for increased salaries and wages so that Arizona can compete with other states to keep teachers in Arizona schools.

Amber Gould, a Glendale High School English teacher, was one of those at the event that spoke about her experience as an educator of more than 10 years in the state.

She called on lawmakers to work with educators to solve the issues plaguing Arizona's public school system - and says it is unfair for teachers to have to fill in the gaps with their own time, money and energy.

"I realized I could make a much higher salary if I was a manager over at Quick-Trip, and I've been in my district for over 10 years," said Gould. "The other issue is that our health care is so expensive."

An estimated $600,000 of the proposed budget goes toward providing health care for educators.

Arizona Education Association president Marisol Garcia says 80% of educators in the state are women, many who have children and struggle for accessible health care.




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