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Jordi Lippe-McGraw is a freelance personal finance writer who has appeared in publications such as Forbes, The Wall Street Journal, TODAY, and Saving for College. In addition to personal finance, Jordi has a passion for travel. She's visited all 7 continents and over 55 countries, writing for outlets such as Travel + Leisure and Conde Nast Traveler.
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Another student-loan payment pause is here for millions of borrowers.
On Thursday, the 8th Circuit Court of Appeals blocked the SAVE student-loan repayment plan in full , meaning that key provisions of the plan, like lower monthly payments and a shorter timeline to debt cancellation, cannot be implemented.
It's the latest in the legal rollercoaster for borrowers — earlier this year, two separate groups of GOP state attorneys general filed lawsuits to block SAVE , and at the end of June, two federal courts blocked parts of the plan . The 10th Circuit allowed parts of the plan to move forward just days later, but the 8th Circuit's ruling once again halted the plan in its entirety.
Education Secretary Miguel Cardona said in a statement Thursday night that all borrowers enrolled in SAVE "will be placed in an interest-free forbearance while our Administration continues to vigorously defend the SAVE Plan in court."
"The Department will be providing regular updates to borrowers affected by these rulings in the coming days," Cardona said.
The Education Department confirmed on Friday that this forbearance period will not count toward borrowers' forgiveness progress on Public Service Loan Forgiveness or income-driven repayment plans.
The department also stated that "borrowers enrolled in the SAVE Plan who have received a bill for August are being put in an interest-free forbearance – payments are not required during forbearance. Borrowers enrolled in the SAVE Plan who have not yet received a bill for August will also be put in forbearance and therefore will not receive a bill."
The 8th Circuit's ruling responded to a lawsuit led by Missouri's attorney general. The other lawsuit to block SAVE, led by Kansas, now sits with the Supreme Court, and Solicitor General Elizabeth Prelogar wrote in a briefing to SCOTUS that blocking the plan would lead to "intense confusion" for borrowers. The Education Department said 8 million borrowers are enrolled in the SAVE plan, including 4.5 million whose incomes qualify them for zero-dollar monthly payments.
The Education Department already directed servicers to proceed with processing borrowers' lower payments. Should the court issue a final ruling that SAVE cannot be implemented, the department will once again have to recalculate borrowers' payments, likely leading some of them to reconfigure their budgets.
Some Republican lawmakers lauded the ruling. Sen. Bill Cassidy, the top Republican on the Senate education committee, said in a statement that the ruling "is another rebuke to President Biden's illegal student loan schemes."
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"This is an abuse of power before an election in an attempt to buy votes at the expense of American taxpayers," Cassidy said.
Still, Biden's administration has vowed to continue working to provide relief to borrowers. Along with SAVE, the Education Department plans to finalize its broader student-loan forgiveness plan in October, which is expected to benefit over 30 million borrowers .
"Today's ruling from the 8th Circuit blocking President Biden's SAVE plan could have devastating consequences for millions of student loan borrowers crushed by unaffordable monthly payments if it remains in effect," Cardona said. "It's shameful that politically motivated lawsuits waged by Republican elected officials are once again standing in the way of lower payments for millions of borrowers."
Are you enrolled in the SAVE plan? Do you have concerns about what this ruling will mean for you? Share your story with this reporter at [email protected] .
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Reporting by Valerie Volcovici, Editing by Rosalba O'Brien and Diane Craft
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Valerie Volcovici covers U.S. climate and energy policy from Washington, DC. She is focused on climate and environmental regulations at federal agencies and in Congress and how the energy transition is transforming the United States. Other areas of coverage include her award-winning reporting plastic pollution and the ins and outs of global climate diplomacy and United Nations climate negotiations.
Shares in Varta plunged on Monday after the German battery maker said restructuring options to avert insolvency would leave equity investors with nothing.
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Find out what the King's Speech means for you.
This year’s King’s Speech focuses on creating wealth in every corner of the country, and improving the living standards of working people.
We’re bringing in more than 35 bills and draft bills to enable economic growth – including a Bill that enforces tough new spending rules.
The package of bills will focus on growing the economy through speeding up the building of houses and infrastructure, improving transport, creating more jobs and securing clean, green energy – helping to make every part of the country better off.
New laws will also help to create wealth in every community and hand power back to local leaders who know what is best for their areas.
Here are ten things to know about our new programme of legislation, and what they mean for you.
We are making sure nobody can play fast and loose with public finances – and that we avoid chaos which leaves families with spiralling bills.
A new Bill will strengthen the role of the Office of Budget Responsibility, meaning significant fiscal announcements must be properly scrutinised and that taxpayers’ money is respected.
And we will introduce a Bill to ensure the National Wealth Fund will make transformational investments across the UK.
We’ll get Britain building, through planning reform, as we speed up the delivery of high-quality housing and infrastructure.
This will help provide more housing across the country and support sustained economic growth.
We will also give more rights to people renting their homes, including putting an end to unfair no-fault evictions, and reforming grounds for possession.
Our Employment Rights Bill is a significant step towards delivering this Government’s plan to make work pay – the biggest upgrade to workers’ rights in a generation.
We will ban exploitative zero-hours contracts, end fire and rehire, and introduce basic employment rights from day one.
And through our changes to the Low Pay Commission, we’ll make sure the minimum wage is a genuine living wage.
New legislation will help to create wealth in every community and hand power back to local leaders.
We’ll introduce a Bill to move power out of Westminster and back to those who know their areas best - giving local leaders the tools they need to drive growth.
New laws will give more powers to metro mayors and combined authorities, helping support local plans that bring wealth to communities.
We’ll put our rail system back on track with new laws to deliver for passengers.
New laws will improve the railways by reforming rail franchising, establishing Great British Railways and bringing train operators into public ownership.
And we’ll introduce a Bill to allow local leaders to take control of their bus services.
We’re committed to making Britain a clean energy superpower by 2030 - helping lower household bills for good over time.
A new Bill will help set up Great British Energy, a publicly owned clean-power company that will help boost energy security, create jobs and build supply chains in every corner of the UK.
We’ll also introduce legislation that helps unlock investment in energy infrastructure, supports sustainable aviation fuel production and strengthens the water regulator’s powers.
The government will strengthen the border with a new Bill that modernises the asylum and immigration system, including launching a new Border Security Command.
The command will deploy more police and investigators to smash the criminal smuggling gangs, tackling the problem at source. The Bill will give law enforcement new enhanced counter-terror style powers to destroy the evil business model of human trafficking.
We’ll introduce laws to strengthen community policing, giving the police greater powers to deal with anti-social behaviour and strengthen support for victims.
New laws will improve the safety and security of public venues and help keep the public safe from terrorism, and we will bring forward plans to halve violence against women and girls.
We’ll take action to raise educational standards and break down barriers to opportunity. This includes measures to help people back into employment after the pandemic and a Bill to raise standards in education and promote children’s wellbeing.
We’ll end tax breaks for private schools - funding 6,500 new teachers – and set up Skills England to make sure we have the highly trained workforce that England needs.
Our plan also includes reforming the apprenticeship levy and setting out work on legislation to enshrine the full right to equal pay in law.
And we’ll launch an independent football regulator to ensure greater sustainability in the game and stronger protections for fans.
Our government will take steps to improve the National Health Service for everyone – including reducing waiting times and focusing on prevention.
We’ll improve mental health provision for young people and make sure it’s given the same attention and focus as physical health and we will modernise the Mental Health Act, so it is fit for the twenty first century, ensuring all patients are treated with dignity and respect.
Our plan includes introducing legislation to help stop young people smoking and vaping, and to restrict advertising junk food to children, along with the sale of high caffeine energy drinks to children.
To read the full King’s Speech click here .
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You might prefer a lean startup format if you want to explain or start your business quickly, your business is relatively simple, or you plan to regularly change and refine your business plan. Lean startup formats are charts that use only a handful of elements to describe your company's value proposition, infrastructure, customers, and finances.
Improve Decision-Making: A business plan serves as a reference point so you can make informed decisions that align with your company's overall objectives and long-term vision. By consistently referring to your plan and adjusting it as needed, you can ensure that your business remains on track and adapts to changes in the market, industry, or ...
Learn how to write a business plan quickly and easily with this simple guide from Forbes Advisor. A solid business plan is essential for any new business.
Adding a business plan cover page can make your plan, and by extension your business, seem more professional in the eyes of potential investors, lenders, and partners. It serves as the introduction to your document and provides necessary contact information for stakeholders to reference. ... Download a free SBA-approved business plan template ...
Whether you want to launch a side gig, a solo operation or a small business, you need a simple business plan template to guide you. Forbes Advisor offers you a comprehensive and easy-to-follow ...
Use free resources: SCORE is a nonprofit association that offers a large network of volunteer business mentors and experts who can help you write or edit your business plan. The U.S. Small ...
Not only will it guide your decision-making, a business plan can help you secure funding with a loan or from investors. Writing a business plan can seem like a huge task, but taking it one step at a time can break the plan down into manageable milestones. ... and the organizational structure of your small business. Make sure to include key ...
A great business plan can help you clarify your strategy, identify potential roadblocks, determine necessary resources, and evaluate the viability of your idea and growth plan before you start a business.. Not every successful business launches with a formal business plan, but many founders find value in taking time to step back, research their idea and the market they're looking to enter ...
Tips to Make Your Small Business Plan Ironclad. Before we get into the nitty-gritty steps of how to write a business plan, let's look at some high-level tips to get you started in the right direction: Be Professional and Legit. You might be tempted to get cutesy or revolutionary with your business plan—resist the urge.
Now it's time to outline your business plan, making note of the sections you need to include and what data you want to include in each section. You can create an outline on your own or use a business plan template to help. ... With more than a decade of small business experience, Mary has worked with some of the best restaurants in the world ...
Template #10: Small Business Plan Template. Customize this template and make it your own! Edit and Download. Every startup or small business needs to start out with a strong business plan in order to start off on the right foot and set yourself up for success. This template is an excellent starting point for any small business.
How to make a good business plan: step-by-step guide. A business plan is a strategic roadmap used to navigate the challenging journey of entrepreneurship. It's the foundation upon which you build a successful business. A well-crafted business plan can help you define your vision, clarify your goals, and identify potential problems before they arise.
Made with Visme Infographic Maker. Traditional Business Plan Format. Here are the key elements of a traditional business plan format: Executive Summary: Provide a brief overview of the entire business plan, including the business concept, product and service, financial highlights, leadership team and employees, growth plans and business goals. Company Description: Outline detailed information ...
The Small Business Administration (SBA) offers two free business plan templates, filled with practical real-life examples that you can model to create your business plan. Both free business plan templates are written by fictional business owners: Rebecca who owns a consulting firm, and Andrew who owns a toy company.
A business plan is a document that communicates a company's goals and ambitions, along with the timeline, finances, and methods needed to achieve them. Additionally, it may include a mission statement and details about the specific products or services offered. A business plan can highlight varying time periods, depending on the stage of your company and its goals.
The exact contents of a business plan will differ plan by plan, but in general, the typical plan should include an executive summary, a business description, a market or competitive analysis, a description of the proposed operational structure, a product description, and a pitch to raise capital if applicable.
Writing a business plan is a powerful way to position your small business for success as you set out to meet your goals. Landmark studies suggest that business founders who write one are 16% more likely to build viable businesses than those who don't and that entrepreneurs focused on high growth are 7% more likely to have written a business plan. 1 Even better, other research shows that ...
A business plan is used by small business owners and entrepreneurs when starting a new business venture. It's a strategic document that outlines the goals, objectives and strategies of your new or expanding business, including the company's vision, target market, financial projections and operational plans.
How to make my small business plan stand out? As new business owners, having a strong business plan is essential for securing funding and laying the foundation for your company's success. However, with so many business plans vying for investors' attention, it can be challenging to make yours stand out. ...
The financial section of a small business plan typically includes financial statements and projections, along with any necessary funding requests. In the financial section of your small business plan, charts, graphs, and other visuals can help make the content more engaging and bring your financial story to life.
Here is a guide to help you get started on your business plan: 1. Executive Summary. What It Is: This section summarizes your business plan as a whole and outlines your company profile and goals.
A small business plan template includes standard business plan sections, as well as the following sections: Executive Summary: Summarize the key points in your small business plan in two pages or less to hold your reader's attention and promote buy-in. Write this section last to capitalize on your understanding of the small business plan.
Write your business plan Your business plan is the foundation of your business. It's a roadmap for how to structure, run, and grow your new business. You'll use it to convince people that working with you — or investing in your company — is a smart choice. Learn more about writing your business plan; Fund your business
Make a business plan: Outline your business idea, including goals and strategies as well as the financial implications. Map out your finances and set goals to help you stay on track.
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Vivendi will pursue a separate listing for its Canal+ pay TV unit in London while its Havas business will be listed in Amsterdam, it said on Monday as it announced details of wider plan to split ...
8 million student-loan borrowers on Biden's new repayment plan don't have to make payments after a federal court blocked the program in full Ayelet Sheffey 2024-07-19T13:38:54Z
The Biden administration on Friday announced it plans to phase out the use of single-use plastics from all federal operations by 2035, as part of its broader strategy to tackle plastic pollution.
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