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New changes to financial aid will be minor for UND students, bigger for loan borrowers in repayment

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New changes to financial aid will be minor for UND students, bigger for loan borrowers in repayment

GRAND FORKS — Student loan repayment options and federal PLUS loans are seeing the biggest changes with the implementation of the federal One Big Beautiful Bill Act, said the director of student finance at the University of North Dakota.

Matt Lukach said students will see minor changes, but most of the work to make the alterations will fall upon UND’s system.

“It’s going to create work on our end, though, because all these changes will be manual, so we will have a lot more work on the back end. But hopefully, our students won’t see too much of a change from past years,” he said.

On Wednesday, July 1, changes to federal student aid programs from the OBBBA went into effect. Of the changes, Luckach sees the removal of the SAVE (Saving on a Valuable Education) loan repayment plan, the removal of the Graduate PLUS Loan Program and the alteration to the Parent PLUS Loan Program and scheduled reductions for federal loans at the undergraduate level as the most significant.

For undergraduate loans, students previously could get their full federal loan even if they were not a full-time student taking 12 credits. Following the changes, loans will be pro-rated down, depending on how many credits a student is taking. Most of UND’s undergraduate students are full-time students, Lukach said. For part-time students, UND will work to make adjustments to loan offers early so they won’t be as affected if they need to find alternative funding. UND already makes schedule reductions for Pell Grant funding.

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A big change that may affect graduate students is the removal of the federal Graduate PLUS Loan Program. Some graduate students have used it to fund living expenses and pay for shortfalls while they finish their program. Graduate borrowers who have had a PLUS loan disbursed before July 1, 2026, while enrolled in a program, can continue to borrow for three academic years or the remainder of their program, whichever is less. Newer graduate students won’t be able to get the loans, and Lukach has seen movement in the private loan sector to balance this.

“We have had a lot of traffic, a lot of movement in the private loan sector in the last year to come up with options to help fill that gap of graduate PLUS loans,” he said. “The private educational loan industry is doing a pretty good job of coming up with some really comparable options to that loan.”

The Parent PLUS Loan Program won’t be going away, but it will be capped. Eligible parents can borrow a maximum of $20,000 per aid year per dependent student. In the past there was no cap, but Lukach said there wasn’t a high percentage of parents borrowing more than $20,000.

In Lukach’s opinion, the financial aid changes will be minor to current and incoming students. The bigger changes, he said, are in student loan repayment.

The SAVE plan, PAYE (Pay As You Earn) plan and the ICR (Income-Contingent Repayment) plan all are being phased out. Loan servicers are reaching out to current borrowers notifying them they have to choose different plans, though they can pay through the ICR plan until July 1, 2028. Their other options include a new tiered standard repayment plan and the new Repayment Assistance Plan.

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RAP allows borrowers to pay monthly payments of 1-10% of the borrower’s income based on their adjusted gross income, with a minimum monthly payment of $10.

“I honestly don’t know what the effects of these new plans will be yet, because we’ve not heard from anybody, and they just went into effect,” Lukach said. “I’m sure we’ll see some chatter in the next few months on that (RAP) to see if it looks good, bad, the same. It’s hard to tell if it will be a benefit or a detriment to those people who are on the SAVE plan. We’re real early in this.”

New borrowers who borrow loans on or after July 1, 2026, have the options of the new tiered repayment plan or RAP.

Same as any other year, Lukach offers students this advice: Make a financial plan and know what is needed.

UND also has a monthly payment plan to cover gaps between a student’s charges and their financial aid, something Lukach has noticed students use more over the years. Overall, he’s seeing students be more fiscally responsible.

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“It’s a good sign,” he said. “It means we have really high-quality students at the University of North Dakota, which I really, really love.”

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Healthcare CFOs face growing decision-making expectations. Many say they aren't ready

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Healthcare CFOs face growing decision-making expectations. Many say they aren't ready
Healthcare chief financial officers often say they are expected to be substantially involved in a broad range of enterprise decision-making, though many don’t believe they are appropriately equippe | Healthcare chief financial officers often say they are expected to be substantially involved in a broad range of enterprise decision-making, though many don’t believe they are appropriately equipped to contribute.
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Sharon Meieran’s Plan for Multnomah County Raises Campaign Finance Questions

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Sharon Meieran’s Plan for Multnomah County Raises Campaign Finance Questions

Former Multnomah County Commissioner Sharon Meieran left the government in 2024 frustrated by what she describes as widespread dysfunction. So she set to work on a highly detailed plan to restructure the county, one she hoped would be of great value to the next county chair.

But since Meieran entered the chair’s race June 9, she has argued that the plan actually has no value at all—at least not any that she needs to disclose in campaign finance records.

In fact, campaign filings show that a political action committee Meieran created last October spent $70,000 writing and publicizing the plan, using contributions largely from business owners and property developers frustrated with the county’s performance. That committee, Fixing Multnomah County, and a corresponding website centered on the plan feature photos of Meieran and links to her campaign website.

But Meieran has opted not to declare the plan as an in-kind contribution to her campaign, even as some argue that local and state campaign finance rules suggest she should. (Like other candidates, Meieran has a separate committee, Friends of Sharon Meieran, to finance her campaign.)

In an email, Meieran told WW she doesn’t need to report the plan as a campaign expense because it is available to any candidate—including her opponents, Multnomah County Commissioners Julia Brim-Edwards and Shannon Singleton.

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“All information I gathered was (and is) publicly available,” Meieran wrote. “Anyone could have adopted (and still could use) the plan, including current board members, the current chair, and the current candidates. I did not write the plan to run for chair, but because it was obvious to me and others that the county needed a plan.”

Multnomah County places strict limits on campaign contributions, including in-kind contributions, which are contributions that have value but are not cash.

In the eyes of some observers, such as those backing Meieran’s opponents in the fierce three-way contest as well as neutral watchdogs, Meieran effectively sidestepped the county’s low ceiling on campaign contributions by taking tens of thousands of dollars from a handful of donors to craft a platform she’s now using in her bid for office. In other words, as a candidate, she is using something of value well in excess of contribution limits—and failing to report it.

The Oregon Campaign Finance Manual defines an in-kind contribution by its fair market value, or the dollar amount a consumer would expect to pay for the good or service.

Seth Woolley, a campaign finance watchdog, says because the plan written for Fixing Multnomah County was funded by a third-party political committee and with money from several donors, “contributing the report back to her own campaign is fully subject to limits and would be ‘fair market valued’ based on the amount the committee paid to generate the report.”

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“The report is a thing of value created by a political committee. It meets the definition of a contribution as another thing of value that is categorized as an in-kind contribution,” Woolley adds. “So she’s in effective noncompliance as she has not reported it yet on both accounts and furthermore claims it is nonreportable.”


Elected to her first term as commissioner in 2016 and her second in 2020, Meieran, an emergency room physician who also has a law degree, ran against Jessica Vega Pederson for Multnomah County chair in 2022 (WW endorsed Meieran in that race). After losing, she completed a fiery second term as commissioner, sparring with Vega Pederson at nearly every opportunity. As a thorn in Vega Pederson’s side, Meieran won many fans.

“When I left the county, many people expressed sadness that I was leaving, [and] described me as the only ‘voice of reason’ on the board,” she says.

In October 2025, Meieran founded a miscellaneous political action committee called Fixing Multnomah County. That committee raised $70,116 and built a 23-page “Comprehensive Multnomah County Turnaround Plan” that Meieran now says she will enact if elected.

The plan advises how to make the county more efficient and improve transparency. It ties dollars to outcomes, asking that instead of setting budgets for programs that continue year after year, county departments should outline the results they expect funding to deliver—and be held responsible for achieving those results. The plan also looks to streamline the county’s 11 departments into five hubs to eliminate duplication of services and better track how money flows through the county. (The plan zeroes in on homeless services as its case study in how these budgeting principles would play out).

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Meieran says developing the plan was not a stepping stone to her bid for county chair. She decided to enter the chair’s race, she says, to force the county to engage with a plan, any plan.

“I did not originally want to run for chair,” she says. “The only reason I am running is because no other candidate has proposed even an outline of a plan…Had any of the other candidates made constructive positive or negative comments about the plan, or shared one of their own, I would have happily considered that success my final contribution to the county.”

The debate now boils down to whether Meieran should have reported the $70,000 spent to develop the plan, now core to her platform, as a campaign expense, and whether that money should be allowed in the race as an in-kind contribution.

Contributions to county candidates are limited to $603 per donor this election cycle thanks to a charter amendment voters approved in 2016.

Yet Fixing Multnomah County acquired much of its bankroll from donations that far exceeded $603.

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Those contributions included $10,000 from developer Homer Williams, $10,000 from former City Commissioner Amanda Fritz, $5,000 from affordable housing developer Rob Justus, $5,000 from former Oregon Liquor and Cannabis Commission chairman Paul Rosenbaum, and $2,500 from downtown property owner Greg Goodman.

Laurie Wimmer, executive secretary-treasurer of the Northwest Oregon Labor Council, says Fixing Multnomah County’s collection of “way larger than allowed” contributions allows Meieran to skirt campaign finance laws. Wimmer’s group has endorsed Brim-Edwards for chair. (Meieran is not seeking organizations’ endorsements.)

“Even if this doesn’t strictly violate the letter of the law, it surely violates its spirit,” Wimmer says. “As long as we, as a community, have decided that limits are good public policy, then everyone should follow them with fidelity and not game the system for some kind of advantage.”

Jessica Morkert-Shibley, a spokeswoman for Multnomah County, says a political committee’s contributions to any candidate are subject to the $603 limit. The definition of the limit is broad enough to extend to in-kind contributions, Morkert-Shibley says, but she declined to comment on Meieran’s campaign bookkeeping.

“The county would not comment on a particular candidate or campaign outside the context of a formal complaint or investigation without an opportunity to gather all the information,” she says. “We wouldn’t want to prejudge a matter before it’s been reviewed. And at this time we do not have enough additional information to initiate an investigation without a formal complaint.”

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Meieran, for her part, says that if someone had a substantive issue with her two committees, she would have been made aware of a complaint. None has been filed with the county, Morkert-Shibley says. And Meieran says she’s acting within the law, having sought legal advice from C&E Systems, which provides management services.

When asked if she believed the plan Fixing Multnomah County developed provided value to her campaign, Meieran said it was “immaterial from a disclosure perspective.”

And Meieran took issue with WW’s suggestion that not reporting the plan as a campaign expense violated campaign finance laws’ spirit of transparency.

“The question should not be: How the hell does Sharon Meieran have a plan to talk about in her campaign?” she says. “It should be: Why is she the only one who cared enough to spend a year figuring out what needs to happen after an election before even deciding to be a candidate?”

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Bangor’s finance department in flux after top officials abruptly quit

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Bangor’s finance department in flux after top officials abruptly quit

BANGOR, Maine (WVII) — Bangor officials are looking for outside help after both the city’s finance director and assistant finance director resigned.

For now, the city manager and assistant city manager are overseeing the Finance Department and reallocating staff to help until new hires are made.

This isn’t the first shakeup in the department. The city’s previous finance director also suddenly left in 2024.

However, officials say Bangor is moving in a positive direction.

“We are moving in a direction where we’re going to overhaul the department. The ideas were to try to work with Maine Municipal Association or work within the city’s own departments, particularly, as you mentioned, the airport, which, those are both viable options. I’m comfortable to say that we are better than where we were previously in 2024,” City Councilor Joseph Leonard said.

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The city manager has tapped the Bangor International Airport financial manager to serve as the city’s interim finance director.

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