With much of President Joe Biden’s student loan agenda tied up in court, the incoming Trump administration could have a significant impact on millions of borrowers. Related video above: Rossen Reports: These states have the highest student loan payments President-elect Donald Trump hasn’t made specific promises on student loans or other forms of college financial aid, but delivering student loan forgiveness isn’t a policy priority like it has been for Biden. Republicans have repeatedly challenged Biden’s efforts, and when his sweeping student loan forgiveness program was struck down by the Supreme Court last year, Trump said the proposal “would have been very unfair to the millions and millions of people who have paid their debt through hard work and diligence.” During his first term, Trump proposed ending a program that delivers student loan forgiveness to public sector workers after 10 years, and his administration tried to limit debt relief for borrowers who were misled by their colleges. Both efforts were unsuccessful, but the latter left many people waiting for years to find out if their debt relief claim would be granted. It’s possible for the Trump administration to unilaterally make some changes to the federal student loan system through a rulemaking process, but other actions — like abolishing the Department of Education, as Trump has promised to do — would require Congress to act. Here’s what student loan borrowers need to know about what’s at stake and what Trump could do: One of the first things Trump’s Department of Education may have to address is what to do with Biden’s Saving on a Valuable Education, or SAVE, repayment plan, which is currently on hold due to litigation. There are 8 million people enrolled in SAVE, and if it is struck down in court, they will have to move to a different repayment plan. A lawsuit brought by several Republican-led states argues that the president does not have the authority to implement the plan. A ruling by the 8th U.S. Circuit Court of Appeals is expected imminently. The Trump administration could decide to rescind the repayment plan, which was created by a regulatory process. It could also decide to stop defending the plan in court. SAVE, which was launched last year, is meant to offer the most generous terms for low-income borrowers. Under the plan, some enrolled borrowers would see monthly payments as low as 5% of discretionary income. It also promises to cancel remaining student loan debt after making as few as 10 years of payments. Borrowers enrolled in SAVE are not currently required to make payments since the Department of Education put them in an interest-free forbearance due to the litigation. The department is expected to reopen two older income-driven repayment plans in December, giving borrowers the option to switch to a plan that might be more affordable than the standard, 10-year plan. Income-driven repayment plans calculate a borrower’s monthly payment based on their income and family size rather than the amount of debt they owe. In addition to lowering monthly payments, the plans promise to wipe away remaining student debt after a borrower makes a certain number of payments — usually 20 or 25 years’ worth. Project 2025, the conservative blueprint published by the Heritage Foundation, calls for creating one new income-driven repayment plan and eliminating all the others. The policy paper also favors eliminating any loan forgiveness provision in the repayment plan, but this would likely require an act of Congress. Trump has distanced himself from the 900-page playbook, but a CNN review found that at least 140 people who worked in the first Trump administration were involved in it. The Biden administration has canceled a record $175 billion of student loan debt for nearly 5 million people — largely through existing relief programs for public sector workers, disabled borrowers and people who were misled by their college. Under Biden, the Department of Education temporarily expanded eligibility for the Public Service Loan Forgiveness program, recounted past payments to correct administrative errors, cut red tape for disabled borrowers and chipped away at a backlog of relief applications left over from the previous Trump administration. Trump has not suggested that clawing back student loan forgiveness that was already granted is on his to-do list for his second term. It could be difficult both politically and logistically. Efforts to reverse student debt relief would be expected to face legal challenges. “If the new Trump administration attempts to reinstate discharged loans by reversing legal positions, they will be held accountable and spend much of the next four years tied up in court,” said Aaron Ament, president of the nonprofit National Student Legal Defense Network. There are some borrowers who may have been notified by the Department of Education that they have been granted debt relief, but they have yet to see the change made to their account balance. Even in that situation, there is a precedent that the forgiveness would still take effect under a new administration. “We don’t think that can be clawed back under the law. We don’t think it should be clawed back, of course, but we’re ready to defend those discharges,” said Eileen Connor, president and director of the Project on Predatory Student Lending, which represents borrowers defrauded by their colleges. Biden has made other efforts to create new programs to deliver student loan forgiveness, but none of them are currently in effect. His signature student loan forgiveness program, which would have delivered up to $20,000 of relief to millions of borrowers, was struck down by the Supreme Court last year. Since then, his Education Department has been working on implementing more targeted debt-relief programs through the regulatory process. But those proposals have not been finalized, and Trump’s new administration could decide not to move forward with implementing them. One proposal, which would cancel interest for some student loan borrowers, is already facing a Republican-led lawsuit. During Trump’s first term, he made some unsuccessful efforts to make it harder for some people to qualify for student loan forgiveness through two existing programs. His education secretary, Betsy DeVos, and many other Republicans argued against some debt relief because it transfers the cost to taxpayers, many of whom didn’t go to college. Public Service Loan Forgiveness program: PSLF was created during President George W. Bush’s administration in 2007. It cancels remaining student loan debt after a qualifying public sector worker makes 10 years’ worth of payments. During his first term, Trump called for phasing out PSLF. But since the program was created by Congress, it would have to be dissolved by Congress, and that move did not receive support in the past. Trump’s proposal would have eliminated the program for new borrowers only. Borrower defense to repayment : Trump’s first administration made attempts to limit the borrower defense to repayment program, which grants debt relief to people who were misled by their college. DeVos tried to change the rule so that eligible borrowers would receive partial relief instead of canceling the full amount of debt. She made it clear that she thought the rule was “bad policy” that put taxpayers on the hook for the cost of the debt relief without the right safeguards in place and made changes to limit its reach. The proposal was unsuccessful, but the department stopped processing borrower defense claims while fighting challenges in court. As a result, a backlog of more than 200,000 claims piled up. DeVos and the department were later found in contempt of court for continuing to collect on some of those loans while the rule was pending. The Biden administration has worked to chip away at that backlog. Trump has called for closing the Department of Education, which currently administers the $1.6 trillion federal student loan portfolio. First of all, Trump will need Congress to do away with the department, and it’s unclear if he will have the support from enough lawmakers to do so. Trump’s first administration proposed merging the Education and Labor departments, but the idea didn’t go anywhere despite Republicans having control of both the House of Representatives and the Senate at the time. It’s possible that some programs and funding could be retained and shifted to other agencies, which is where they were housed before the department was created in 1979. If that happens, Project 2025 recommends moving the federal student loan portfolio to the Department of Treasury.One of the 39 people pardoned by President Joe Biden’s administration is a Utah woman who has turned her life around after struggling with substance abuse. Stevoni Doyle of Santaquin is a wife, mother and grandmother who also fosters animals and volunteers. "I'm a therapist with Wasatch Behavioral Health, with the jail transition program,” said Doyle. "If you would have asked me 20 years ago if I would be here today, I never would have imagined that,” said Doyle. She has come a long way. "In 2000, I was introduced to meth, and I instantly become addicted,” explained Doyle. “It was the one thing that I felt like just completed me. Within a year, I lost custody of my 4 kids to DCFS and I had racked up a bunch of charges." Doyle served time at the Utah State Prison and then at a federal prison in Arizona. There, she decided to make some changes. "I started to take accountability for my actions and realized that I didn’t want to live this lifestyle," she said. RELATED STORY | Biden commutes 1,500 sentences in largest single-day grant of clemency in modern history Doyle started helping people who were struggling with substance abuse and even went back to school to study social work. "I never thought I would graduate college, let alone get a master’s degree,” Doyle said. On Wednesday, she got a special phone call and was pardoned by President Biden. "I was like, no way, I can’t believe this is happening.” She said. "I won’t have to explain myself all the time. Even though I don’t have a problem sharing it, it’s part of my story, it’s part of who I am, it’s still nice to not have to do that." RELATED STORY | January 6 defendant tells Scripps News he may not accept a potential pardon from Trump This story was originally published by Mythili Gubbi at Scripps News Salt Lake City .NYC High-Net-Worth Divorce Lawyer Juan Luciano Offers Guidance on Protecting Assets in Divorce 12-13-2024 07:40 PM CET | Politics, Law & Society Press release from: ABNewswire Facing the complexities of a high-net-worth divorce can be an emotional and financial challenge. For individuals in New York City with substantial assets, it is essential to protect these resources during a divorce. NYC high-net-worth divorce lawyer Juan Luciano ( https://divorcelawfirmnyc.com/protecting-assets-in-a-high-net-worth-divorce/ ) emphasizes the importance of taking proactive steps to safeguard financial interests and avoid lengthy legal battles. High-net-worth divorces often involve significant financial stakes, including real estate, businesses, investments, and other valuable assets. According to NYC high-net-worth divorce lawyer Juan Luciano, understanding how New York's equitable distribution laws affect asset division is critical. "New York courts divide assets based on what is deemed fair, not necessarily equal. This makes it vital to protect your financial future by taking appropriate measures early in the process," says Luciano. One of the most effective ways to shield assets in a high-net-worth divorce is through prenuptial or postnuptial agreements. As NYC high-net-worth divorce lawyer Juan Luciano explains, "A well-crafted prenuptial agreement establishes how assets will be distributed in the event of a divorce, reducing disputes and ensuring clarity. For those already married, a postnuptial agreement can offer similar protections." These legal instruments allow individuals to define the treatment of assets acquired before or during the marriage, providing clarity in contentious situations. For those without a prenuptial agreement, maintaining clear boundaries between marital and non-marital property is essential. Assets owned before marriage are typically considered separate property, but commingling these resources with marital funds can complicate their classification. Juan Luciano advises his clients to keep personal accounts and property separate to avoid potential disputes during asset division. In cases where disputes over property valuation arise, professional appraisals often play a crucial role. Determining the value of assets such as real estate, businesses, and unique investments often requires specialized expertise. Luciano underscores the importance of accurate valuations, noting that "engaging skilled appraisers ensures that all parties understand the value of the marital estate, facilitating a more equitable distribution of assets." Trusts can also provide an effective way to protect assets during a high-net-worth divorce. By placing property in a trust, individuals can shield these assets from becoming part of the marital estate. Luciano highlights this as a strategic option for safeguarding financial interests while maintaining legal and financial clarity. When litigation becomes necessary, having an experienced NYC high-net-worth divorce lawyer can make a significant difference. Luciano explains, "Negotiating a separation agreement can save time and reduce costs, but when both parties cannot agree, court intervention may be required. Having a skilled attorney ensures your interests are effectively represented throughout the process." For high-net-worth individuals, securing a lawyer with a deep understanding of the complexities involved in asset valuation and division is essential. In high-stakes divorces, mistakes in asset distribution or valuation can result in significant financial losses. Luciano emphasizes the need for careful legal representation to protect clients from unnecessary risks and complications. Beyond asset protection, Luciano also assists clients in negotiating settlement agreements that can minimize the emotional toll and financial burden of prolonged litigation. Settlement agreements offer a binding resolution to property disputes, often avoiding the need for trial. However, when negotiations fail, Luciano's experience in courtroom advocacy ensures his clients are well-prepared to pursue a favorable outcome. Juan Luciano's dedication to his clients extends beyond property division. His approach includes guiding individuals through the often overwhelming legal landscape of divorce, offering reassurance and clarity during a challenging time. He advises his clients to take a proactive approach to asset management and seek professional advice to prepare for potential complications. 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Embeds: Youtube Video: https://www.youtube.com/watch?v=8iBv3jhNfqo GMB: https://www.google.com/maps?cid=4020903599192949720 Email and website Email: juan@divorcelawfirmnyc.com Website: https://divorcelawfirmnyc.com/ Media Contact Company Name: Juan Luciano Divorce Lawyer Contact Person: Juan Luciano Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=nyc-highnetworth-divorce-lawyer-juan-luciano-offers-guidance-on-protecting-assets-in-divorce ] Phone: (212) 537-5859 Address:347 5th Ave #1003 City: New York State: New York 10016 Country: United States Website: https://divorcelawfirmnyc.com/ This release was published on openPR.777 pagcor casino 。

Houthis Target Israel's Ben Gurion Airport In Overnight Ballistic Missile AttackNoneMacron names ally Bayrou as new PM as he aims to restore political stabilityBy MICHELLE L. PRICE WEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump’s supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump’s movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump’s Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer’s comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar.” Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry’s need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump’s world and what his political movement stands for. Trump has not yet weighed in on the rift, and his presidential transition team did not respond to a message seeking comment. Musk, the world’s richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump’s movement but his stance on the tech industry’s hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry’s need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent,” he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Related Articles National Politics | Should the U.S. increase immigration levels for highly skilled workers? National Politics | Trump threat to immigrant health care tempered by economic hopes National Politics | In states that ban abortion, social safety net programs often fail families National Politics | Court rules Georgia lawmakers can subpoena Fani Willis for information related to her Trump case National Politics | New 2025 laws hit hot topics from AI in movies to rapid-fire guns Trump’s own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump’s businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country” and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country,” he told the “All-In” podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump’s budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.

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"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" To keep reading, please log in to your account, create a free account, or simply fill out the form below.