I chose my friends poorly, and your friends have a tendency to rub off on you. And so I started making poor decisions. The next night I made a plan of how to do it, and I did it. And I didn't get caught doing it, [but] I got caught afterwards.
A debt management plan (DMP) is a way to combine your unsecured debts into a more manageable single monthly bill. You'll typically get reduced interest rates compared to what you're currently paying thanks to negotiation by the agency you're working with.
"This year's increase in undergraduate credential attainment isn't just about more completions-it's also about timing. More students are earning certificates and degrees earlier and that shift reflects how postsecondary pathways are changing and starting sooner than they once did."
David Robinson, who completed a one-year postgraduate diploma in adult nursing, was informed that his course was ineligible for maintenance loans, requiring repayment at an accelerated rate.
Cuts that hurt are obvious: layoffs, program closures, college closures, furloughs, deferred maintenance, pay freezes, travel freezes, etc. It's a well-worn playbook at this point. Most of the moves in this category involve either attacking employee compensation, which causes obvious pain, or putting off necessary investments and living with gradual declines in quality.
While overall more people are choosing college, there are important shifts happening in where students are going and where they're not. Enrollment at private four-year colleges is down. Fewer people are enrolled in master's degree programs. But enrollment is up at four-year public universities and at community colleges. There, it's driven by students choosing short-term credentials tied to the workforce.
"The Biden Administration's regulation was over broad as it required all private institutional owners, including at faith-based colleges, to sign program participation agreements,"