The Senate’s final version of the One Big Beautiful Bill was released last night, and it introduces a complete overhaul of student loan repayment – for both existing borrowers and new borrowers. This comes after last minute changes removed some key provisions GOP lawmakers wanted. For new borrowers who take out student loans after July 1, 2026, they will only have two options: a new Standard Plan, or an income-driven repayment plan called the Repayment Assistance Plan (RAP). Furthermore, new borrowers will face lower student loan borrowing limits and changes to loan types. For existing borrowers, there will not be…

A storm brings immediate devastation—damaged homes, power outages, and lost lives—but its long-term impact often stretches years into the future. Beyond cleanup and rebuilding, many homeowners face climate risk in terms of rising insurance costs, diminished property values, and unaffordable living conditions. Climate risk is now a defining force in the U.S. housing market. It’s not just a matter of weather—it’s a financial, economic, and insurance crisis unfolding in real time. Climate Risks Are Widespread Global property data firm Cotality estimates that more than 33 million U.S. homes are at risk of hurricane wind damage this year, with a combined…