More than 4 million student loan borrowers, including 5,100 in Wyoming, are now enrolled in the Biden-Harris Administration's new Saving on A Valuable Education, or SAVE, repayment plan.

Robert Farrington, founder of The College Investor website, explained the new plan inserts a borrower's annual income into a formula using a benchmark of 225% of their state's poverty guidelines to determine an affordable payment level.

"Your monthly student loan payment is going to be calculated based on your W2 discretionary income," Farrington outlined. "What this means for borrowers is those with low income, and those with larger families, will see lower payments. And some people could see payments as low as zero dollars per month."

President Joe Biden campaigned on reducing student debt, but in June the U.S. Supreme Court struck down a policy to forgive between $10,000 and $50,000 for borrowers earning less than $125,000 per year, roughly 97% of people carrying debt.

Republicans in Congress have invoked the Congressional Review Act to block the SAVE program, claiming it puts a financial burden on people who chose not to attend college or paid back their loans. Borrowers can apply for the program at StudentAid.gov/SAVE.

People earning $15 an hour or less would not pay anything under the SAVE plan, and all others are expected to save at least $1,000 a year. Farrington noted no previous income-driven repayment plan has offered payments as low as 5% of a borrower's discretionary income.

"The current plans, such as Income Based Repayment, and Pay As You Earn, are either 10% or 15% of your discretionary income," Farrington stressed. "That's what makes this new SAVE plan such a great deal. It could literally cut your payment in half."

Wyoming offers up to $30,000 in loan forgiveness for qualifying veterinarians, but a similar program for health care workers was not funded in 2023. Farrington noted the SAVE plan was just released in July, and many more people in Wyoming are eligible but have not yet signed up.

"Student loan repayments are just starting right now and there's a lot of information coming at borrowers," Farrington cautioned. "Digesting it all, figuring out the best course of action, is very hard. That's really the key issue, let's get the message out so that we can help borrowers save money every month."


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The Students for Justice in Palestine chapters at the University of Florida and the University of South Florida are filing lawsuits against the deactivation orders issued by State University System Chancellor Raymond Rodrigues and Gov. Ron DeSantis.

The groups claim the looming orders come at a time when the conflict in the contested territories of Israel and Palestine are a matter of vital public discourse, depriving them of essential resources.

Hina Shamsi, director of the National Security Project at the American Civil Liberties Union, is part of the legal team representing the students.

"Our client has made a very brave decision to challenge state officials' attempt to restrict student speech, in a case that they and we hope sends a strong message that censorship in our schools is unconsitutional," said Shamsi.

The state's deactivation was based on the groups' alleged connection to a toolkit supporting Hamas' attack on Israel, which violates a Florida law against providing material support to foreign terrorist organizations. However, neither group has a formal relationship with the National Students for Justice in Palestine, which the Chancellor later acknoledged.

According to Shamsi, the groups recognize that colleges are contending with how to manage increased tensions and threats on their campuses while keeping students safe, but pointed out that it doesn't mean they have to abandon students' rights to do so.

"We take the weight and complexities of those issues seriously," she added, "but it is precisely in times of heightened crisis that university leaders must remain steadfast in their commitment to free speech, to open debate and peaceful dissent on campus."

While the Chancellor Rodrigues says they are reviewing legal and deactivation options, a spokesman for the governor's office said it was "reprehensible to see some university administrators, after the fact, creating bureaucratic roadblocks."



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Illinois high school seniors have new hurdles to overcome to get to college. High school students are waiting several extra weeks to get their hands on a newly designed Free Application for Student Aid. You might know it better as FAFSA.

The delay in the current process puts students behind when applying for financial aid.

Tabitha Jackson, senior seminar instructor for CICS Longwood High School, works with seniors at the charter school in Chicago. She said FAFSA has always been an Achilles heel, but the delay -- combined with the U.S. Supreme Court's decision to repeal affirmative action -- has further exacerbated the process.

"It's so frustrating and it's so hurtful to let a student know, 'Because of who I am, I may not have some additional support or some additional support benefits of being able to go to this school,'" she said. "My question is to my students: 'If affirmative action stops at this level, what's next?'"

Jackson added a lot of students don't want debt, and financial aid helps determine which college they can afford. The 2024-25 FAFSA form is expected to be available by the end of 2023.

The cumbersome conditions coincide with a downward trend for high school seniors who are participating in career and college aid counseling.

Doug Keller, partnership lead with San Francisco-based YouthTruth, said its Class of 2022 Survey underscores troubling findings from respondents.

"We found that there's significant declines among particular student groups and their participating in counseling about how to pay for college -- specifically, among Hispanic or Latinx students, multi-racial and multi-ethnic students and boys," he explained.

Keller said the largest gap is among American Indian, Alaskan and other Indigenous students, with a 14% gap between those who want to go to college and those who expect to attend.


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A program giving high school students a taste of college and college credits along the way is celebrating its 33rd year of operation in Washington state.

The Running Start program offers 11th and 12th graders an opportunity to take college courses at the state's 34 community and technical colleges and three of its universities.

Julie Garver, director of policy and academic affairs for the Washington State Council of Presidents, which represents universities, said the program eases the transition to college-level learning.

"By being able to explore those things within high school, which is a safer environment or within those contexts, then students are able not only to get the confidence but to get those skills," Garver outlined. "They are not surprised and learning that transition while they're also taking college courses when they're at one of our campuses."

More than 27,000 high school students were enrolled in Running Start at community and technical colleges in the past academic year.

Jamie Traugott, director of dual credit and strategic enrollment initiatives for the State Board for Community and Technical Colleges, said students in the program report feeling better prepared for the next step in their academic careers.

"The confidence of being able to complete a college-level class, but then really to be like, 'OK, I did this. What else can I get involved with?'" Traugott noted. "Or, 'Maybe, I thought I would go to a community technical college, but I never considered that I could also transfer to a four-year institution.'"

Traugott added the program has been helpful for the students who are able to access it but there is still more work to do to close equity gaps in enrollment.

Support for this reporting was provided by Lumina Foundation.


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