Mississippians are working on their monthly budgets as the pause for federal student-loan payments comes to an end, and the pressure of another monthly expense begins.

The repayment process starts in October for more than 400,000 borrowers in the Magnolia State and 40 million throughout the country.

Brian Walsh, certified financial planner and manager of financial planning for SoFi, said interest will resume starting Sept. 1 and borrowers should start planning how to repay their loans.

"Everyone who had their student loans paused for the last three and a half years needs to start planning for that they're going to be making these payments," he said, "because there is going to be some flexibility related to an on-ramp for a year related to reporting to credit bureau and collections."

According to the Education Data Initiative, the average borrower in Mississippi holds more than $36,000 in student-loan debt. Repayments begin Oct. 1.

Walsh said there are several options available for Mississippians who can't afford their payments or want to reduce them, but highlighted the federal SAVE plan, which offers borrowers income-based repayment options if they qualify.

"With income-driven repayment, essentially, your payments are kept to a certain percentage of your income," he said, "and with this new program, more of your income is going to be excluded. Eventually, the percentage of your income for payments for undergraduate loans will be cut in half. And at the end of the day, it's going to be the most generous option available for income-driven repayment plans."

Walsh said other options include a hardship forbearance, extending terms up to 20 years, graduated repayment plans, or consolidation, refinancing loans and lowering monthly payments.

Support for this reporting was provided by Lumina Foundation


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The shortage of educators and school staffers has reached a crisis level in some Pennsylvania public schools, prompting a new "Educators Rising" program, which aims to recruit future educators from local high schools.

Ten schools are already participating, with students attending the Central Westmoreland Career and Technology Center to develop teaching skills.

Donna Rain-O'Dell, workforce education coordinator at the center, said in the "Grow Your Own" program at Mount Pleasant High School, the students gain hands-on experience by observing and assisting teachers in classrooms a couple of days a week.

"We actually have some of our students going into classrooms that are teaching small group or mini-lessons," Rain-O'Dell explained. "Like, one student is teaching Spanish I, when she's a Spanish III student; and then we have a student, that's in AP Bio that's helping with the biology class. So it's kind of cool, and it's definitely a unique situation."

She pointed out next year, they will start their first "college in high school" course at the University of Pittsburgh Greensburg campus. Keystone State schools are struggling to fill more than 5,500 vacant teaching positions.

Rena Enterline, vocational rehabilitation counselor for the center, said they partner with The Learning Lamp and Shippensburg University and students can earn nine credits toward higher education.

"That is more of a dual-enrollment type class," Enterline noted. "They will take classes through Shippensburg University, and they'll actually get a transcript through them. And then, they can take those credits and use them at any university that will accept them when they decide to go to college."

Enterline added current seniors will not have been in the program for two years but can still use the credits they earn this year through the dual enrollment opportunity.

Amanda Funk, CTE instructor at McCaskey High School in Lancaster, said hers is the only Lancaster County high school to have an in-house career and technology program. It attracts a diverse group of students who help out in elementary schools as juniors and seniors, eventually extending to middle schools.

"The goal is to bring them back and they get a guaranteed interview after college in our district and then they'll have that added support," Funk stressed. "Part of our job description is to actually mentor them through their college years. And then once they come back and get a job in our district, to mentor them there as well."

Funk added one lesson in the Educators Rising curriculum focuses on anti-bias instruction. She observed students have personally thanked her for classroom discussions on the topic.


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Lagging salaries have meant teachers in Ohio and across the nation are experiencing a 5% drop in purchasing power, according to a new report by the National Education Association.

Last year, state lawmakers approved a 17% raise to the base annual salary for teachers, from $30,000 to $35,000 and agreed to fund the second phase of the state's Fair School Funding Plan.

Scott DiMauro, president of the Ohio Education Association, said the changes are silver linings but argued Ohio has more work to do to alleviate shortages and retain educators in the field, emphasizing state investment for teacher pay should be a priority.

"I think there's a disproportionately high reliance on local revenues," DiMauro explained. "That would be dollars that come from local tax levies, as opposed to from the state to fund our public schools. "

Around the country, 1,300 school districts around the country saw starting teacher salaries reach or surpass $40,000 during the last academic year, Nearly 500 school districts now pay beginning teachers a starting salary of at least $60,000 annually, according to the report.

DiMauro added collective bargaining states continue to rank highest in the nation when it comes to educator salaries. The starting salary of teachers in states with a bargaining law is around $1,600 more than in states without a bargaining law and top pay is more than $1,200 higher.

"That's not by accident," DiMauro asserted. "Collective bargaining states have average salaries that are 26% higher than non-collective bargaining states."

According to the nonprofit Economic Policy Institute, teacher pay has sharply declined compared with the pay of other college-educated workers. On average, teachers made around 26% less than similarly educated professionals in 2022, the lowest level since 1960.

Special state funding for mental health staff at Michigan public schools during the pandemic is ending this year, leaving schools scrambling to find ways to keep the professionals in the building.

The $240-million grant started in 2021, as students coped with challenges, from virtual learning and canceled sports to losing a loved one to COVID. Now, districts are seeking alternatives.

Diane Golzynski, deputy superintendent of business, health and library services for the Michigan Department of Education, said the options include a program known as the School Mental Health Apprenticeship Program to encourage people to choose mental health careers by giving them financial support.

"To pay folks who need to do their supervised practice internships in order to go into this field; it's to give them a small wage, so they can actually do that," Golzynski explained.

She pointed out districts can also apply for Medicaid matching funds for all their eligible work is eligible and use those dollars to keep mental health providers in schools.

Golzynski stressed the goal is to build a comprehensive school mental health system.

"We don't want to just put professionals in the schools, we want to put professionals in the schools that the schools need, because there's different types of professionals," Golzynski noted. "It might be a psychologist, it might be a counselor, it might a social worker, it might be a school nurse."

She emphasized her department is also working with the districts on how to best use their mental health staffers.

Critics might counter it is parents' responsibility to take care of their children's mental health needs. But Golzynski countered it is often in school where these issues are flagged or acknowledged.

"It's the schools partnering with the families to help support this child, so that the child can be the best learner possible," Golzynski asserted.

Golzynski added another school mental health funding program on the table offers a per-pupil allocation to each district.


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