Annie Nova
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Personal finance reporter @CNBC. Words in lots of places. When not writing things, trying not to write things, or listening to Leonard Cohen.
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Articles by Annie Nova
Democrats take Congress in a blue wave. Here's what it means for your money
The US Capitol building in Washington, DC, US, November 4, 2026. Umit Bektas | Reuters With Democrats flipping control of Congress in the midterm election, the shift in power on Capitol Hill could reshape household budgets — from student loan bills and health insurance premiums to housing costs and taxes. Experts say results show that rising costs were top of mind for voters.
Class action lawsuit blames Trump officials for student loan forgiveness delays
The American Federation of Teachers, a union representing some 1.8 million members, sued the Trump administration for denying borrowers relief under the Public Service Loan Forgiveness program. PSLF, which President George W. Bush signed into law in 2007, allows certain not-for-profit and government employees to have their federal student loans canceled after 120 payments, or 10 years.
Trump's student loan overhaul could lead to more bankruptcy filings, former judge says
After nearly three decades as a bankruptcy judge, Sarah Sharer Curley details what she calls the unfairness of the legal process in her new book, "The Price of Forgiveness: Debt, Bankruptcy, and the Future of Fairness in America." "We allow the financial markets to take innumerable risks, yet we refuse to allow an individual to be forgiven for choosing to pursue an advanced degree," Curley wrote.
Trump's student loan overhaul could lead to more bankruptcy filings, former judge says
A sign points to the U.S. Bankruptcy Court in Lower Manhattan, New York City. 400tmax | Istock Unreleased | Getty Images In Judge Sarah Sharer Curley's nearly three decades presiding over bankruptcy cases, some were especially painful to witness, she said — such as the 73-year-old woman who stood before her in 2012 with a student loan balance of more than $584,000.
College was supposed to be ‘good debt.’ For many borrowers, it isn’t paying off
Student loans have long been considered "good debt." But soaring tuition costs, recent changes to the federal lending system and a volatile job market are forcing a generation to question that logic. Historically, funding a college education led to higher-paying jobs and greater economic opportunity. However, the math for many has shifted over time, making an investment in an undergraduate and graduate degree riskier. For starters, there's just way more student-loan debt now.
Treasury launches student loan support center as new data show 9.3 million borrowers in default
The Trump administration announced on Wednesday that it was launching a "Default Loans Support Center" for student loan borrowers who've fallen behind. As of June 30, roughly 9.3 million federal student loan borrowers were in default, up from around 6.2 million at the same time in 2016, according to new Education Department data released earlier this month.
Education Department extends deadline for student loan interest rate discount
U.S. Education Secretary Linda McMahon speaks during a press briefing at the White House in Washington, D.C., U.S., November 20, 2025. Evelyn Hockstein | Reuters The Trump administration announced on Tuesday that it will extend the deadline for federal student loan borrowers to get a reduction of 1 percentage point on their interest rate.
Education Department extends deadline for student loan interest rate discount
The Trump administration announced it will extend the deadline for federal student loan borrowers to sign up for autopay and get a reduced interest rate. Borrowers now have until the end of the year to do so, instead of by the end of the day Wednesday. The Trump administration announced on Tuesday that it will extend the deadline for federal student loan borrowers to get a reduction of 1 percentage point on their interest rate.
Student loan borrowers sue Trump administration over forgiven debts on credit reports Original
U.S. Secretary of Education Linda McMahon testifies before a Senate Appropriations hearing on U.S. President Donald Trump's budget request for the Department of Education, on Capitol Hill in Washington, D.C., U.S., June 3, 2025. REUTERS/Annabelle Gordon Annabelle Gordon | Reuters A group of student loan borrowers sued the Trump administration on Thursday, alleging they suffered unexpected financial damages despite getting their debts forgiven years ago.
Student loan borrowers exiting SAVE may face sharply higher payments if they don't take action soon
A Trump administration deadline for millions of student loan borrowers to exit the SAVE plan is quickly approaching. Those who don't switch to another affordable repayment plan in the coming weeks could see their bills double or even triple, consumer advocates warn. That's because the Department of Education will automatically enroll borrowers in a standard repayment plan that includes fixed monthly payments.
Education Department recalculates student loan forgiveness counts, setting some PSLF borrowers back
Many borrowers pursuing Public Service Loan Forgiveness have recently learned that they're further away from debt cancellation than they'd expected. On Reddit and other social media platforms, borrowers report seeing their qualifying payment counts drop unexpectedly. PSLF requires 120 qualifying payments in exchange for full debt erasure. A U.S. Department of Education spokesperson says the agency is fixing "coding errors" made by the Biden administration.
Education Department recalculates student loan forgiveness counts, setting some PSLF borrowers back
Students 2 days ago Some student-loan borrowers are losing credit toward a key forgiveness program for public servants Business Insider - Ayelet Sheffey • 2d Some student-loan borrowers are losing credits toward a key loan forgiveness program.
AOC says she's been saving up to freeze her eggs. Here's how much the procedure can cost Original
Rep. Alexandria Ocasio-Cortez, D-N.Y., arrives to the U.S. Capitol for the last votes of the week on Friday, May 15, 2026. Tom Williams | Cq-roll Call, Inc. | Getty Images When Rep. Alexandria Ocasio-Cortez recently announced on social media that she was freezing her eggs, she called attention to the cost of the procedure.
Trump officials float cut to capital gains tax on home sales. What it could mean for homeowners
Trump officials may be considering tax-break proposals in the lead-up to the midterm elections, including larger capital gains exemptions for homeowners selling their primary residence. But experts say any changes before November are unlikely, and that the policies would mostly benefit the wealthiest Americans.
Student loan borrowers face steeper 'marriage penalty' under new repayment plan
Married couples with student loans need to decide whether to file their taxes jointly or separately, said Nancy Nierman, assistant director of the Education Debt Consumer Assistance Program. The choice can impact their monthly payment amount, eligible tax deductions and allowable retirement contributions. And there's a new wrinkle: The U.S. Department of Education's new Repayment Assistance Plan has a steep "marriage penalty" for borrowers, experts say.
Student loan borrowers face steeper 'marriage penalty' under new repayment plan
Personal Finance 3 days ago Student Loan Forgiveness Credit Gets Erased Overnight, Prompting Panic Forbes - Adam S. Minsky • 3d An apparent Education Department data error is causing student loan forgiveness credit to be wiped out overnight, setting borrowers back and causing widespread panic.
AstraZeneca in talks with Bristol Myers Squibb on $400 billion megadeal, FT reports Original
A smart acquisition strategy has made Bristol-Meyers, which has bought seven companies since October 2007, a big player in the cancer-treatment industry. Its purchase of Medarex in July added a key drug for metastic melanoma that’s in Phase III trials.
AstraZeneca in talks with Bristol Myers Squibb on $400 billion megadeal, FT reports
Now Aug 2 (Reuters) - UK drugmaker AstraZeneca has been exploring a deal to combine with U.S. rival Bristol Myers Squibb, the Financial Times reported on Sunday, citing people familiar with the matter. The deal could create one of the world's biggest pharmaceutical groups with a combined value of nearly …
States expand student loan options as new federal borrowing caps take effect — but they come with trade-offs Original
Tom Werner | Digitalvision | Getty Images As borrowers come up against new federal limits on student debt, they may encounter financing options from an unexpected source: their state. But don't assume these government-backed loans are a close substitute for federal student loans. Consumer advocates say state student loans are more akin to private student loans, and should be approached with caution.
450,000 defrauded student loan borrowers are eligible for debt forgiveness — here's who qualifies
A recent court decision means that 450,000 federal student loan borrowers have become eligible for debt cancellation after attending a school that misled or defrauded them. The legal challenge played out over three presidential terms, its name changing from Sweet v. DeVos to Sweet v. Cardona to Sweet v. McMahon. One borrower's student debt swelled to roughly $400,000 from $250,000 while she waited for the Education Department to decide on her Borrower Defense claim.
Does crypto make your portfolio less risky? Only if you do it right, experts say
Alistair Berg | Digitalvision | Getty Images There have been some lofty claims made about cryptocurrency in the past, including that it will replace government-issued money, prove as groundbreaking as the smart phone and democratize the financial system. But most investors point to a fairly ordinary reason for holding the digital assets: to diversify their investment portfolio.
AI may make you 'boring' at work, Columbia Business School professor says: How it can hurt your career
Momo Productions | Digitalvision | Getty Images Using artificial intelligence can make people "boring," according to Sandra Matz, a professor at Columbia Business School. Her research on the topic indicates two direct consequences for workers: stagnation and mediocrity. "When employees use it to outsource critical thinking or creative reasoning, there's a real risk of gradually falling behind and becoming complacent," said Matz.
Public Service Loan Forgiveness has new rules — 3 changes borrowers should know about
Annie Nova Beginning this month, the eligibility rules for Public Service Loan Forgiveness have changed as a result of President Donald Trump's One Big Beautiful Bill Act. The new Tiered Standard plan doesn't qualify for PSLF, and many parent borrowers may now be locked out of the program entirely. PSLF allows not-for-profit and government employees to have their federal student loans canceled after a decade.
Student loan borrowers on new RAP plan can lose key benefits if they pay even one day late
Annie Nova The new Repayment Assistance Plan, or RAP, offers benefits to federal student loan borrowers — but only if their bill is paid on time. Borrowers who miss their due date, by even one day, will forfeit the government's interest waiver, principal match and other perks. "You will lose valuable benefits that save you money," said higher education expert Mark Kantrowitz.
Student loan servicers begin 90-day countdown for borrowers to leave SAVE plan Original
Fg Trade | E+ | Getty Images It's official: Student borrowers enrolled in the Saving on a Valuable Education plan, known as SAVE, need to exit the program. Loan servicers have begun alerting borrowers this month that they have 90 days to move into another plan. Earlier this year, a federal appeals court ordered the end of the Biden administration-era SAVE plan.
Student loan servicers begin 90-day countdown for borrowers to leave SAVE plan
Mark Cuban Asks What If You Didn’t Need Health Insurance — And Hospitals Just Treated You, Then Took 10% of Your Pay? Health insurance may be one of the few products people pay for every month while hoping they never have to use it. Billionaire entrepreneur Mark …
Trump administration's limits on student loan forgiveness program are blocked. What to know Original
President Donald Trump signs executive orders relating to higher education institutions, alongside Secretary of Education Linda McMahon, right, in the Oval Office of the White House in Washington, April 23, 2025. Saul Loeb | Afp | Getty Images Student loan borrowers don't need to worry about losing eligibility for Public Service Loan Forgiveness based on their employer, after two federal judges blocked a Trump administration rule.
Trump administration expands list of graduate degrees subject to higher borrowing limits
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Trump administration expands list of graduate degrees subject to higher borrowing limits
Alvaro Gonzalez | Moment | Getty Images Some graduate students will be able to borrow more in federal student loans than previously expected after a recent court order. Under President Donald Trump's "one big beautiful bill act," starting July 1, new graduate students will be subject to an annual federal student loan cap of $20,500 a year, while so-called professional students can take out up to $50,000.
Trump administration expands list of graduate degrees subject to higher borrowing limits
Citizenship 2 hours ago Supreme Court upholds birthright citizenship, rejecting Trump’s proposed limits Associated Press - By MARK SHERMAN • 2h WASHINGTON (AP) — A divided Supreme Court on Tuesday upheld a broad conception of birthright citizenship, rejecting President Donald Trump’s executive order declaring that children born to people who are in the United States illegally or temporarily are not American citizens. By a 6-3 vote, the … World News Now Trump now 'hates' his own trade deal.
Judge blocks Trump's rule limiting federal student loans for certain grad school borrowers
Julia Pentasuglio, a student at Loyola University and managing editor of The Loyola Phoenix newspaper, types on her laptop at the university newsroom in downtown Chicago, Illinois, Nov. 11, 2025. Carlos Barria | Reuters A federal judge temporarily blocked a new Trump administration rule that limits how much certain graduate students can borrow based on their field of study, days before that policy was set to go into effect.
Federal student loans have a new interest rate discount — here's who qualifies
Law Ho Ming | Moment | Getty Images The Trump administration is offering federal student loan borrowers a deeper-than-usual discount on their interest rates if they sign up for automatic payments soon — but not everyone will qualify. In a June 18 press release, the U.S. Department of Education announced that eligible borrowers who enroll in autopay will benefit from a 1 percentage point reduction on their interest rate. The temporary relief will last through June 30, 2028.
Federal student loans have a new interest rate discount — here's who qualifies
5 hours ago In this week’s edition of InnovationRx, we look at AbbVie’s new megadeal, an agentic AI startup saving Medicare $2 million a week, how new student loan rules could degrade healthcare and more. To get it in your inbox, subscribe here. AbbVie is bolstering its franchise in immune-system disorders with …
Republicans buy crypto more than Democrats, data shows — what's driving the divide Original
Former US President Donald Trump speaks at the Bitcoin 2024 conference in Nashville, Tennessee, US, on Saturday, July 27, 2024. Bloomberg | Bloomberg | Getty Images Cryptocurrency adoption appears to have a political bent — and a significant gender divide.
Trump administration temporarily cuts student loan interest rates for borrowers on autopay
A student student sits in a lecture hall while class is being dismissed at the University of Texas at Austin on Feb. 22, 2024 in Austin, Texas. Brandon Bell | Getty Images The Trump administration announced on Thursday that it will offer federal student loan borrowers who sign up for autopay a 1-percentage-point reduction on their interest rate, starting July 1. Borrowers on autopay currently have access to a 0.25-percentage-point discount.
Student loan borrowers face glitches and misinformation ahead of major July 1 changes, advocates say
Damircudic | E+ | Getty Images July 1 is a significant date for tens of thousands of Americans who hold federal student loans. That's when changes to the U.S. Department of Education's menu of repayment and relief options under the One Big Beautiful Bill Act take effect. It's also a key date the Trump administration has set for nearly 7 million student loan holders to begin exiting the defunct Biden-era repayment plan, known as SAVE, and to enroll in another plan.
New student loan plan comes with higher bills for many. Tax planning can help cut your payments
Pekic | E+ | Getty Images With a bit of strategy, federal student loan borrowers can lower their monthly bills on the U.S. Department of Education's new repayment plan, coming July 1. Under the Repayment Assistance Plan, or RAP, borrowers pay a higher percentage of their income as their earnings grow.
New student loan plan comes with higher bills for many. Tax planning can help cut your payments
1 day ago Debt is a way of life in American society. According to Debt.org, roughly 90% of Americans have at least some type of debt. Debt isn't necessarily bad. Home mortgages and investment debt, for example, are often cited as being "productive" forms of debt as they allow investors to acquire assets. But …
Nearly 7 million student loan borrowers remain in defunct Biden-era payment plan: Trump official
Damircudic | E+ | Getty Images Nearly 7 million federal student loan borrowers remain enrolled in a defunct Biden administration-era repayment plan, Nicholas Kent, a top official at the U.S. Department of Education, told CNBC on Thursday. By staying in the Saving on A Valuable Education, or SAVE, plan, these borrowers' debts are growing, and they're not making progress toward student loan forgiveness, said Kent, the undersecretary of education at the agency.
Nearly 7 million student loan borrowers remain in defunct Biden-era payment plan: Trump official
1 day ago On July 1, a host of new student loan changes from last year's One Big Beautiful Bill Act will kick in, including the end of a short-lived Biden-era repayment plan, the start of two Republican-designed repayment plans and strict new borrowing limits for some students. There's a lot to parse, and not …
Remote work career risks for Gen Z are 'subtle, but material,' Harvard professor says: How to avoid the pitfalls
Olga Pankova | Moment | Getty Images While remote work offers young people flexibility, autonomy and a commute-free day, research shows that forgoing the office can have a detrimental impact on those at the start of their careers. Remote work is likely the main cause of a surge in youth unemployment, a report this month by the Federal Reserve Bank of New York found.
Remote work is worsening youth unemployment, New York Fed finds
Morsa Images | Digitalvision | Getty Images Both remote work and youth unemployment are on the rise since the Covid pandemic — and the two trends are related, according to new research by the Federal Reserve Bank of New York. The unemployment rate for young college graduates swelled to 5.6% in March 2026 from 3.6% in March 2019, the New York Fed economists wrote in a blog post published Monday. They estimate that remote work can account for 64% of the recent increase.
Remote work is worsening youth unemployment, New York Fed finds
Technology 1 hour ago Young and unemployed? Remote work, not AI, may be the problem, study finds Associated Press - By CHRISTOPHER RUGABER • 1h WASHINGTON (AP) — The rise of remote work since the pandemic has made businesses more reluctant to hire young, inexperienced workers and is the key driver of higher unemployment rates for recent college graduates, a study released Monday has found.
Student loan borrowing is 'high stakes' as new rules take effect on July 1, CFP says. What to know
Vladimir Vladimirov | E+ | Getty Images Student loan borrowers who take certain steps will soon face fewer repayment and debt forgiveness pathways, due to President Donald Trump's . "Be very careful when it comes to taking out new student loans," said Landon Warmund, a certified financial planner and certified student loan professional at Reliant Financial Services in Kansas City, Missouri.
Student loan borrowers will have two new repayment options come July 1. Here's how to pick one
Boy_anupong | Moment | Getty Images Millions of federal student loan holders will have access to two new repayment options starting July 1, due to changes included in the . As a result of the legislation, some student loan repayment plans are also going away. The Repayment Assistance Plan, or RAP, is the U.S. Department of Education's latest income-driven repayment plan, or IDR, meaning it sets borrowers' monthly bills at a share of their income.
Student loan borrowers will have two new repayment options come July 1. Here's how to pick one
Retirement 1 day ago Can your Social Security be garnished after age 70? CBS News - Angelica Leicht • 1d For millions of retired Americans, turning 70 is an important milestone. At that age, there's typically a little more financial certainty, as many … Gen Z 2 days ago FICO exposes a painful Gen Z credit card trend TheStreet - Damilola Esebame • 2d Young Americans are swiping more plastic, but their credit scores are suffering.
Student loan forgiveness paths have changed under Trump. How to navigate them
Annie Nova There are new rules for the U.S. Department of Education's income-driven repayment plans, or IDRs. Those changes can impact when and if a student loan borrower is eligible for debt cancellation. "We are encouraging all borrowers to evaluate their repayment options on which plan is going to be best for them moving forward," said certified student loan professional Landon Warmund.
Microsoft Cares About Your Privacy Student loan interest rates are set to rise for 2026-27: Expert analysis
Federal student loan interest rates will rise in the 2026-27 academic year, according to an exclusive analysis provided to CNBC by higher education expert Mark Kantrowitz. The rates, which run from July 1 to June 30 of the following year, are based in part on the May auction of the 10-year Treasury Note.
Student loan interest rates are set to rise for 2026-27: Expert analysis
Carlos Barquero | Moment | Getty Images The interest rates on federal student loans are likely to slightly increase in the 2026-27 academic year, according to an exclusive analysis provided to CNBC by higher education expert Mark Kantrowitz. Federal student loan rates are typically fixed for the life of the loan. An uptick in interest rates will make it more expensive to cover college costs.
2.6 million student loan borrowers fell into default in early 2026: New York Fed
Vladimir Vladimirov | E+ | Getty Images Millions of student loan borrowers have recently defaulted on their loans, according to new data from the Federal Reserve Bank of New York. Roughly 1 million borrowers fell into default during the fourth quarter of 2025, and another 2.6 million borrowers did so in the first quarter of 2026, the New York Fed reported in a blog post on Tuesday.
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