La congelación de fondos federales que afecta a una gran amplia gama de programas estadounidenses ha dejado a muchas organizaciones en el limbo, con nuevas consecuencias a diario.

Hasta la fecha, las impugnaciones judiciales han frenado el impacto de la orden de la administración Trump de cancelar o reducir los subsidios, préstamos y otras ayudas gubernamentales.

Isaiah Torres, gerente estatal de políticas del Centro de Política Cívica del estado, afirma que Nuevo México tiene la fortuna de contar con un Fondo Permanente de Concesión de Tierras y un Fondo Fiduciario para la Primera Infancia. Cree que estos fondos le otorgan al estado una capacidad de maniobra que otros no tienen.

"No depender tanto de los ingresos de los fondos generales," dice Torres, "-en categorías como educación y atención medica- para poder tomar decisiones estratégicas en el futuro."

El fiscal general de Nuevo México, Raúl Torrez, se unió a una demanda junto con otros 22 estados para bloquear la orden de Trump, que alega que el presidente no tiene la autoridad, bajo la Constitución de Estados Unidos, para retirar fondos de los programas afectados. La Casa Blanca dijo que la congelación daría tiempo a la administración para revisar cada programa de la agencia y determinar el mejor uso de los fondos.

Pero según Alissa Barnes, directora ejecutiva de Progress Now New Mexico, la congelación sigue generando caos e incertidumbre. Y no todos los programas que reciben fondos federales probablemente recibirán una prórroga.

"Esto abarca la forma en que Nuevo Mexico puede apoyar a sus ciudadanos," asegura Barnes. "Y gran parte del dinero que el estado aporta en su asignación general también depende de fondos de contrapartida o subsidios del gobierno federal."

Barnes trabajó anteriormente para el Roadrunner Food Bank del estado, uno de los miles en todo el país que ya se vieron afectados por la suspensión, por parte del gobierno, de los envíos de productos agrícolas, aves de corral y otros artículos distribuidos a los residentes necesitados.

"No saber si el dinero va a parar, no saber cuándo podría parar," agrega Barnes, "no conocer ninguno de esos detalles hace realmente difícil no solo planificar, sino seguir prestando servicios directos."

Los proyectos de infraestructura financiados por la administración Biden también están en peligro. El año pasado, Nuevo México recibió $156 millones de dólares en subsidios para proyectos solares destinados a ayudar a las comunidades tribales y con bajos ingresos para reducir los costos energéticos mediante la reducción de facturas de electricidad de sus hogares. Sin financiación federal, muchos proyectos no prosperarán.

Due dates for student loan repayment remain uncertain for many Indiana students amid changes at the federal level. For those who were not granted loan forgiveness during the Biden administration, the possibility of pre-graduation loan repayment could be a financial torpedo.

Research site Education-data.org reports the average Indiana student loan balance is $33,000 as of June 2025 - lower than the national average - with slightly less than $31 billion owed statewide.

Nonprofit InvestEd works with students on the best approach to repayment. Its Chief Marketing Officer Bill Wozniak advises that early preparation is key.

"Plan as if it starts tomorrow. Plan as if it starts next month. Just be ready in case that happens," he said. "We've really been cautioning about planning ahead, if and when that day was going to come, and hopefully that advice was heeded, and maybe those funds weren't spent elsewhere."

Students often mistakenly pay double-digit interest rates, Wozniak said, which is why it's important to determine if loans are federal or private and to select the repayment plan that's the best fit. Every year, federal student loan rates change based on a formula set by Congress. Interest rates for loans between July 1, 2025, and June 30, 2026, range from 6.3% to 8.9%.

Education-data.org reports a total of nearly 906,000 student borrowers live in Indiana.

Wozniak admitted that setting aside money for savings is a challenge while in college, with housing, vehicles, credit cards and countless other living expenses to consider.

"Keep checking your email, keep up to date on the latest information," he said. "Make sure you read the things from your servicer, something that maybe you were supposed to start paying on, 2023, 2024, 2025. It might all of a sudden become a thing that you have to make a payment on."

President Donald Trump's tax and spending law contains new restrictions on the amount students can borrow and how they can repay. It also removes income-contingent repayment plans for student loans paid out after July 1, 2026.


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Americans have approximately 631 million credit card accounts, with nearly four cards per person.

The accounts can be a payday for con artists who prey on victims using a new scheme called the card decline scam. It involves flashing a "transaction decline" message during an online purchase. The buyer repeatedly enters the same or different credit card numbers under the belief the card or website is malfunctioning. The scammer collects a user's payment information each time they enter a card number.

Jennifer Adamany, communications director for the Better Business Bureau Serving Central Indiana, said the damage does not stop there.

"Later on, they will find out from their bank or their credit card company that the card was never declined but in fact, multiple charges have gone through," Adamany explained. "In some cases, these people's personal or financial information is being stolen, leading to identity theft."

The Indiana Economic Digest reports in 2023, Hoosiers lost almost $93 million to impostor fraud, 17% of which was due to identity theft. The Federal Trade Commission identified credit card fraud as the most reported type of identity theft nationally in 2024, with almost 450,000 cases submitted.

Most banks and financial institutions issue monthly transaction statements, meaning weeks can pass before the consumer realizes their identity has been stolen.

Adamany pointed out there are ways to shop safely online. The key is to take your time and take more than a quick glance before pulling out your credit card. Instead, verify the website and double-check the URL. Another tipoff, she explained, is a misspelling in the domain address.

"Sometimes it's a simple two-letter switch that to your eyes seems correct, but that slight little switch makes all the difference to direct you to a fraudulent website as opposed to the legitimate website," Adamany added.

It is important to look for the letter "s" in the address bar when you see the letters "http," which can add some security to the website, Adamany noted. Avoid clicking suspicious links and do not click on links in unsolicited emails, text messages or social media ads. She emphasized the tempting discounted items or limited-time offers can be tactics con artists use to rush shoppers into making an unsafe, impulse purchase.


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While a new ruling by a federal judge allows medical debt to remain on Americans' credit reports, Washington residents will be protected from the practice, under a new law.

Medical debt impacts nearly one third of Washingtonians, while six in 10 residents said they would not be able to pay an unexpected $500 medical bill.

Sen. Marcus Riccelli, D-Spokane, sponsored the bill, which he said could improve someone's credit score by an average of 20 points.

"I think there's just this general understanding that if you wake up and you have a bad day, you end up in the emergency room, that shouldn't impact whether or not you can get a job or get housing," Riccelli explained.

Some lawmakers pushed back against the bill, saying it will give an unclear picture of someone's financial status. The Washington Hospital Association supported the bill, which has been signed into law and will take effect July 27.

The law also bans unauthorized fees, threats of illegal actions and excessive contact by debt collectors. Riccelli argued it is a bipartisan issue, citing research showing the vast majority of Americans want their elected officials to reduce health care costs.

"It's really unfortunate that things seem to be moving in the opposite direction at the national level," Riccelli pointed out. "But in Washington, I'm looking to do what other states have done around cutting costs, providing protections for consumers and providing more transparency in pricing."

Emily Brice, co-executive director of Northwest Health Law Advocates, a nonprofit working to improve access to affordable health care in Washington, said recent moves by Congress will lead to more residents being saddled with medical debt, and the state needs to take more action.

"We are going to need innovative and creative policy solutions and, frankly, state leadership to prevent our health care safety net from being shredded," Brice urged.


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