Mississippians who have just graduated from college this summer may be celebrating now but they also just joined the millions of Americans facing student loan repayment, as their six-month grace period ends soon.

Mississippi residents share $16.2 billion in student loan debt.

Brian Walsh, head of advice and planning at SoFi, a personal finance company, recommended proactive budgeting and emphasized the importance of treating the loan payment as a non-negotiable expense.

"Build your budget as if you have that payment -- maybe you make payments when you don't have to, maybe you throw it in a checking savings account -- whatever it may be, build that budget accordingly," Walsh advised. "Then, figure out the best approach for you when it comes to paying back your student loans."

According to the website EducationData.org, just over 15.% of state residents, or about 447,000 people, have student loan debt, with an average of more than $36,000.

Walsh noted Mississippi college students who struggle with loan payments have multiple options for reducing costs, including processes like consolidation and refinancing.

"Consolidation is through the federal government, where essentially you would be combining however many federal student loans you have, and it makes one payment, makes things easier," Walsh explained. "You can adjust the repayment terms so you can lower your payment but your interest rate isn't going to change."

The Saving on a Valuable Education program, which is an income-driven repayment plan for federal student aid, remains in effect, as approved by the courts. Students can still sign up for the program, choose other income-driven repayment options, or consolidate their loans, according to the government website StudentAid.gov.

Support for this reporting was provided by Lumina Foundation.

As the Trump administration makes good on promises to abolish the U.S. Department of Education, educators and parents are raising concerns about the effects on children with disabilities and civil rights.

Nearly half of the agency's staff has been laid off or resigned since President Donald Trump's second inauguration.

Carrie Bingham, a Colorado mother of a special needs student, said the speed and haphazard nature of the staffing cuts is alarming.

"Cutting it off by the knees is going to have such serious repercussions on literally, kids, like individual kids around the country," Bingham pointed out. "That's just not OK."

Education Secretary Linda McMahon said staffing cuts are the first step in plans to abolish the agency she oversees. Colorado's Phil Weiser and 20 other state attorneys general have asked a federal judge to block the cuts because they would prevent the Education Department from fulfilling its legal duties. The Trump administration claims it will deliver on all statutory programs, including funding for special-needs students. Affected staff are set to be placed on administrative leave on Friday.

Last year, Colorado received more than $1.2 billion in federal funds to support education programs, roughly the same dollar amount as the current state budget deficit, which is already putting school funding at risk.

Christi Herrick, secretary-treasurer of the American Federation of Teachers Local 6186, said federal funds are essential for students who need additional resources, especially in rural areas.

"Without the Department of Education, rural school districts would lose federal funding that provides speech therapy, language therapy, occupational therapy, psychiatric services and all kinds of special services that special-ed students require," Herrick outlined.

The Trump administration has issued layoff notices for all civil rights staff in seven of the agency's 12 regional offices. The department's Office for Civil Rights is charged with protecting students from discrimination and sexual assault and making sure all Americans have equal access to education.

The number of working-age Wyoming adults with college degrees or valuable credentials increased by over 18% between 2009 and 2023, according to Lumina Foundation. One expert called that jump "incredible," but wonders if a new state law could affect that trajectory.

Gov. Mark Gordon signed a law earlier this month that prohibits state institutions from using differential treatment "based on race, color, religion, sex, ethnicity or national origin." That broad language includes religious groups, programming for international students, single-sex dorms and even groups including "Dads Making a Difference."

Courtney Brown, vice president of strategic impact and planning with Lumina Foundation, encouraged the state to ensure everyone in Wyoming has the opportunity to pursue more education.

"There are probably many people that don't have the opportunity and those people may be left behind," she said.

According to the Lumina report, Wyoming's overall education attainment level is 43%, but it is lower for some racial and ethnic groups. The level for Hispanics is 29%, and for American Indians and Alaska Natives is 18%.

Brown noted that Wyoming's data show a low attainment rate for young people. In 2022, Wyoming had the highest rate in the U.S. of people in their 30s born in the state who had moved out - over 60%.

"Public institutions need to really think about: what do their economies need? What does the economy need in Wyoming? And let's make sure we are providing credentials of value to those individuals," she continued.

According to the 2024 Wyoming Workforce Annual Report, roughly half of new jobs in 2023 were in four industries: construction, professional and business services, mining, and leisure and hospitality.

The potential dismantling of the U.S. Department of Education has sparked concern in Ohio.

Threatened moves by the Trump administration's so-called Department of Government Efficiency have Buckeye educators and union leaders worried about the effects on students and schools across the state.

Scott DiMauro, president of the Ohio Education Association, said Ohio schools receive approximately 10% of their funding from federal sources, with some high-poverty districts relying on as much as 25%.

"What we see happening now is the administration taking a sledgehammer, eliminating staff, cutting programs, canceling contracts," DiMauro observed. "And all of that, while it seems like DC stuff, it's things that have a real impact on our students and educators here in the state of Ohio."

DiMauro added programs like Title I, which support over 800,000 low-income students and federal oversight of special education would be significantly affected. The Department of Education released a statement saying it would cut nearly 50% of the department's workforce.

The Department of Government Efficiency, guided by billionaire Elon Musk, aims to reduce government waste and cut funding to schools promoting "critical race theory" and "transgender ideologies".

The possible dissolution of the Education Department also raises concerns among federal employees within the Department of Education.

Sheria D. Smith, president of the American Federation of Government Employees Local 252, the union that represents Department of Education employees, said it is a relatively tiny federal agency of just 4,000 employees. She noted five years ago under the last Trump Administration, department staff were asked to fulfill Diversity, Equity and Inclusion training and now they are being told they are being laid off for upholding DEI.

Smith explained members hold roles such as civil rights attorneys, loan processors, statisticians, IT professionals and press specialists.

"What we are not, though many of us are former teachers, we are not teachers," Smith pointed out. "We do not dictate curriculum, talk about fraud, race, and waste, and abuse. How many people who are making double our salary don't seem to even understand what we do at the U.S. Department of Education."

While some Ohioans see the move as an opportunity for greater state control over education, others warned it could lead to funding gaps and increased burdens on local taxpayers.