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.

Nearly a dozen changes could be made to the Kentucky Community and Technical College system, under Senate Joint Resolution 179, passed by lawmakers earlier this year.

The system's Acting Executive Vice President and Provost Phil Neal said the Board of Regents' recommendations are aimed at improving the process to obtaining two-year college degrees, and expanding options for students.

He said one major change includes collaboration between schools and the state Department of Education, to make it easier to offer dual and transfer credits.

"For example, on the transfer front," said Neal, "one of our recommendations that would be a change is that our eight public universities and our 16 KCTCS colleges, would all have a common course-numbering system for freshmen and sophomore level courses - and that just helps students more seamlessly transfer."

A former chief of staff is suing the system in a whistleblower lawsuit, alleging she faced retaliation for reporting waste and mismanagement.

Last week a Franklin County Circuit Court judge denied a request by the system that the case be dismissed.

A recent audit found a need to improve internal policies and procedures, but found no evidence of fraud or criminal behavior.

Neal said the state's Community and Technical College System has among the most affordable tuition rates in the state, and serves more than 66,000 students.

"We lead the country, number one, in the number of credentials conferred per capita," said Neal. "So the production of people with credentials is right up there at the top. Half of our 16 colleges have been recognized as some of the top performing community colleges in the country."

Americans' views on the importance of a college degree is shifting.

According to a Pew study released earlier this year, only one in four U.S. adults say it's extremely or very important to have a four-year college degree, in order to get a well-paying job in today's economy.

Support for this reporting was provided by Lumina Foundation.




get more stories like this via email

Recent changes to Florida's education laws have removed information on consent, contraceptives and prenatal development from many health lessons at school.

Parents are concerned the Florida Department of Education's policies may leave some districts without vital instruction.

Stephana Ferrell, director of research and insight for the Florida Freedom to Read Project in Orange County, is worried about what she sees as gaps in her children's education, including access to comprehensive health information.

"It's unfortunate that parents have been opted out of these educational experiences," Ferrell stated. "But it's now time for us all to get informed about what our kids are missing and make the extra effort to ensure that our young citizens are armed with this information."

Advocacy groups, including PEN America and EveryLibrary, cautioned overcompliance with state laws may lead to the removal of books on topics like anatomy, teen pregnancy and sexual assault. In a joint letter, they urged Florida school superintendents and school board attorneys to exercise restraint and preserve the resources for students.

Ferrell described a clash between two views: one believing ignorance protects innocence, and another believing being informed is the best way to understand and avoid risks. She sided with the latter, saying education safeguards the community.

"We really are trying to encourage that information to remain available," Ferrell emphasized. "There are lots of nonfiction, well-written and age-appropriate materials that can be made available in the library, and have been made available in libraries in the past."

Florida school districts have struggled for years to determine which books should remain in libraries under laws signed by Gov. Ron DeSantis. The laws allow parents and others to challenge books deemed "inappropriate," though recent legislative changes limit the number of challenges. This fall, the Department of Education released a list of more than 700 books removed from, or discontinued in, schools statewide.


get more stories like this via email

New York's Board of Regents approved a Department of Education funding request for climate education.

The board is putting more than $536,000 aside for climate change education and materials.

New Jersey is the only state mandating climate change be taught in all subject areas. Connecticut teaches it as well, but primarily in science.

Emily Fano, director of climate resilience education programs with the National Wildlife Federation, described how climate change can be taught across multiple subject areas.

"There are so many ways climate can be integrated into math class, graphing greenhouse gas emissions for example," said Fano. "Social studies, you can talk about social movements like the youth climate movement that has grown by leaps and bounds all over the world."

She added that health classes could teach the health impacts of air pollution and poor air quality.

The funding allotment faces no opposition, and a Yale University report finds 81% of New York adults feel climate change should be taught in schools. This is higher than the national average of 75%.

If the funding's approved, climate change will be taught in New York schools starting in the 2026-2027 school year.

But, climate education has faced an uphill battle.

A bill establishing a course on climate change in elementary and secondary schools garnered widespread support. But, it failed in the state legislature.

Fano said along with a new climate education bill, more work must be done to make this a reality.

"We'll continue working with the state education department and our partners to make sure that our students are going to get the climate education they need and deserve," said Fano. "So, we will continue working on this issue regardless, but we really hope the Governor understands the urgency of this request."

While this funding request provides a framework for training current educators about how to teach climate change, Fano said she wants this training for people studying to be teachers.

An Education Week Research Center poll finds 18% of teachers don't address climate change because they feel out of their element discussing it.