New federal data from the Department of Education confirmed retirement-age borrowers are struggling to repay their federal student loans.

About 60% of borrowers over age 62 have been making federal student-loan payments for more than 15 years.

Tia Caldwell, policy analyst for the Education, Opportunity and Mobility Initiative at the nonprofit New America, suspects many other borrowers have been paying even longer. She said until now, her team had been using 2016 data from the U.S. Government Accountability Office.

The updated numbers offer valuable insight into the realities many older borrowers are grappling with, in Utah and across the country.

"There is this huge growth of older borrowers," Caldwell pointed out. "So many people are struggling with their student loans and are unable to repay their loans in the time frame that they probably imagined they would be able to when they took out those loans."

Caldwell added financially-strapped borrowers often pause their loan payments or enroll in affordable, income-driven repayment plans, but these can extend the repayment terms by years. They may also spend time in default, which can have punitive consequences.

Sarah Sattelmeyer, project director of the initiative, said the new data paint a bleak picture. One in three federal borrowers is in default, and about 80% of seniors with loans hold debt from their own education. But she noted it is important to have the information.

"Until now, we really have been taking what I like to call a 'beg, borrow and steal' -- although maybe not the 'stealing' part -- approach to getting data," Sattelmeyer stressed. "It is really hard to come up with the right policy solutions when you don't understand which groups are most impacted."

Sattelmeyer emphasized the latest figures make the issue harder to ignore. She added New America commends the Biden administration's work on student debt relief but argued more work is needed.


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Correcting hearing loss by using hearing aids is a simple and effective way to reduce the risk of cognitive decline and dementia during aging, according to a new Global Council on Brain Health report.

Sarah Lock, executive director of the council, said the report should be a wakeup call for everyone, especially older Americans. She urges people not to let the stigma sometimes associated with hearing loss get in the way of prioritizing hearing health.

"Hearing promotes emotional well being, mental well being and your cognitive health. It's just too important not to take care of," she said. "And when you can do something as simple as getting a hearing aid to correct hearing loss, why wouldn't you want to do that?"

Researchers say if left untreated, hearing loss also increases risks associated with social isolation, loneliness, anxiety and depression.

Lock added the report underscores warnings by the U.S. Surgeon General that the nation is experiencing a loneliness and social isolation epidemic, with health impacts equal to smoking up to 15 cigarettes a day.

Age-related hearing decline is not curable, but it can be treated with hearing aids that achieve the crucial goal of helping people hear better. While hearing loss is often associated with aging, Lock says it's important for people of all ages to protect their hearing.

"Pop those little foam plugs in your ears so that you're not having your ears assaulted at work or at noisy concerts. So there are simple things that you can do to protect your hearing, no matter what age you are," she explained.

An AARP survey found that nearly six in ten Americans age 50 and older have not had a hearing test in the past five years, as recommended. And only 38% said their hearing was excellent. But Lock pointed out nearly 8 in 10 say they would address hearing loss if they knew it could impact brain health.

"AARP offers free screenings for members. If you go to AARP.org/hearing, you can find the hearing center, and you can take a free hearing test over the phone," she continued.


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AARP Iowa is on a road trip, taking knowledge to family caregivers wherever they are and helping them learn more about the resources that may be available to them. It is part of the association's larger effort to educate people about caregiving in Iowa.

AARP Iowa data show the state's 330,000 unpaid family caregivers provide 310 million hours of care every year in the state, which is valued at more than $5 billion.

Brad Anderson, state director for AARP Iowa, said caregivers are busy and often do not know what to expect or where to get information.

"For example, they need to know, 'How do I get in touch with the Area Agency on Aging?' They need to know, 'How does Medicare work?' They need to know, 'Is my loved one on the right prescription drug program?'" Anderson outlined.

AARP is traveling the state from the Mississippi River to the Missouri River in a big red RV to distribute information. Anderson noted they are making stops at grocery stores, hospitals, clinics and pharmacies; the most likely places to run across people who have just inherited caregiving duties.

There are other, more 'hands-on' things caregivers need to know but Anderson added since most people fall into the role, there is no real formal training and they have to learn their new role on the fly.

"How do I feed my loved one? How do I care for a wound? Maybe how do I even lift this person up and help them into bed?" Anderson explained. "These are all things that sometimes happen, literally, overnight."

The informational tour is scheduled to last into August.

AARP has selected four projects in Idaho to receive $49,000 in grants.

The projects were chosen by the organization's annual Community Challenge grant program. The program is designed to support proposals that make cities more livable for people of all ages, especially those age 50 and older, and can be built quickly.

Marie Bonaminio, a volunteer for AARP Idaho, said the program selected three of the four projects in the state this year to boost rural communities.

"A couple of the grants are things that will bring people outdoors, that will keep them active and also to help some of the things that have fallen apart, to be honest, in some of these areas," Bonaminio explained. "Because they just don't have the dollars to keep things, maybe, fixed up and in good condition."

Projects in the cities of Cascade, Marsing and Salmon will improve outdoor areas to encourage social gathering, especially among older Idahoans. The grant program also is providing $15,000 to LEAP Housing, an Idaho affordable housing nonprofit, which will use the funding to renovate housing in Nampa. The projects must be completed by Dec. 15.

Bonaminio added it is a thrill to get to be part of the Community Challenge grant program.

"You walk away just thinking, 'Wow, we have done so much for these small communities to keep them alive and vibrant,'" Bonaminio observed. "I'm so excited to be part of this project. I look forward to it every year."

This year, AARP is investing $3.8 million in more than 340 projects across the country. Since 2017, it has awarded 30 grants in Idaho, worth nearly $330,000 in total.