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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Halloween is a busy time of year for some of Wyoming's historical sites, where staff throw thematic events to help fund programming for the rest of the year.

In October, Wyomingites can experience their state's history in new ways - like paranormal investigations at Fort Caspar, and a haunted evening tour of the Wyoming Frontier Prison in Rawlins.

That prison served as the state penitentiary between 1901 and 1981, during which Historic Site Director Tina Hill said nearly 14,000 people served time.

"When you go through the 80 years of history here," said Hill, "you see how the people who lived in Wyoming thought about crimes, and punishment, and the penal system. And so you can kind of see how things evolved."

In the 1950s, the concept of rehabilitation spread through the penal system - and with it, Hill says, gymnasiums, libraries and classes.

Now, the site is on the National Registry of Historic Places, and about 15,000 people tour it each year.

Northeast of the prison at Fort Caspar, Halloween visitors can use infrared thermometers, laser grids and more on the site's ghost investigations tours.

Aside from the fort's paranormal activities, museum Director Rick Young said it's on a historic migration corridor.

"Oregon, California, Mormon Pioneer, Pony Express trails," said Young. "We had a ferry crossing at our location. We had a bridge crossing at our location. It was a Pony Express station. And then it became a military fort."

These days, the site has a central Wyoming history museum and a park.

The historic fort buildings are furnished as they would have been in 1865, the year of two battles there and when the site was formally named Fort Caspar.





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Summerlike temperatures are still around but winter is lurking and Minnesotans will soon have to crank up their thermostats.

Now, there is outreach to help Latinos use federal incentives to lower their energy bills. The Inflation Reduction Act provides a mix of tax credits and rebates for households considering options like solar panels or more efficient heating systems. Such information is often slow to reach underserved populations and Minnesota's Communities Organizing Latino Power and Action doesn't want it to happen this time.

Danny Garcia, virtual navigator for the group, said his team is taking a multifaceted approach.

"We translate this information to make it more accessible," Garcia outlined. "We are relying heavily on social media, creating videos, creating flyers to distribute."

A specific Inflation Reduction Act initiative, the Home Energy Rebate program, will be carried out by the state and agencies are still preparing for launch. Other incentives, namely tax credits, are already available. Beyond creating awareness, community navigators will focus on application assistance. A 2022 national analysis found Hispanic families were less likely to take advantage of government programs due to anti-immigrant politics and other factors.

It is not just overcoming trust issues. Garcia suggested some residents might feel overwhelmed when considering all their options. He stressed they want them to look at the bigger picture: A more energy-efficient home with cleaner air running through it stands a better chance of improving outcomes as opposed to sticking with aging systems and appliances.

"You can get sick more often and this just creates a circle, a burden," Garcia pointed out. "Then you need to spend more money on your health and then you don't have enough money to cover other bills."

The U.S. Energy Department reported the Hispanic community faces a median energy burden 24% higher than white households. The Inflation Reduction Act has a bonus credit program specifically geared for those often stuck with higher energy bills with increased tax credits for solar and wind projects built in these communities or serving low-income residents.

Over the weekend, Hispanic Heritage Month got underway. In Minnesota, people are recognizing the diversity within these populations, as well as leadership opportunities.

Becky Valencia, operations manager of Communities Organizing Latino Power and Action (COPAL) said not all of Minnesota's Latino residents are from Mexico, as is often assumed.

Many have connections to places like Ecuador and have different needs. As they establish roots here, national polls show Latinos have a growing distrust of government.

However, Valencia noted that young adults are increasingly interested in fostering a better relationship between elected leaders and community members.

"A lot of the times it's been very rewarding to see that in our community, organizers continue to plant that seed," said Valencia. "And so, we have seen a lot more people be active and actually searching for opportunities to be more involved."

As for weaving in culture, entrepreneurship is one avenue. Minnesota is now home to more than 12,000 Latino-owned businesses.

Valencia said several organizations help these business owners overcome obstacles in expanding their reach.

She said younger generations want to keep alive their distinct heritage and traditions, and access to resources is a big part of that.

Valencia said fostering more civic engagement is especially important in an election year. She said Latinos have pressing needs that resonate with the rest of Minnesota.

"There's this huge gap between healthcare and what's accessible," said Valencia. "That's an area for sure that we've heard a lot of communication, which I think it's not only for the Latino community, Latina community, but also for other communities in general."

According to Census data from Minnesota Compass, nearly 370,000 people of Latino descent call Minnesota home. This population increased 38% between 2010 and 2020.

In addition to Mexicans and Ecuadorians, the largest Latino cultural groups in the state are Salvadorans, Guatemalans, and Colombians.