Wisconsin
Biden-era student loan program to end. What Wisconsin borrowers should know
More student loan borrowers are falling behind on payments than ever before. The Biden-era SAVE plan is dead. Collections are moving from one federal agency to another. New loan limits will take effect this summer.
Carol Trone can barely keep up with all of the student loan news, and she’s the executive director of the Wisconsin Coalition on Student Debt, a nonprofit that helps borrowers.
“I check headlines every day,” she said. “These are crazy times.”
Wisconsin has about 720,000 borrowers who hold $24 billion in federal student loan debt, according to the latest federal education data. Nearly 125,000 of them are in default, including more than 50,000 who are newly in default as of last year.
Many have questions about repayment, loan consolidation and more.
“You’re not alone,” Trone said. “The stories we hear are of frustration, confusion, loan servicers changing – it’s a lot.”
Trone encouraged borrowers to contact the coalition’s free, confidential helpline. She also broke down some of the biggest changes for 2026:
More borrowers in default
Student loan payments were paused during the COVID-19 pandemic. Payments resumed in 2023, but borrowers did not face credit damage or default during a yearlong “on-ramp” period. That ended Sept. 30, 2024.
A borrower is considered delinquent when they haven’t made a payment in 30 days. They are in default when they haven’t made a payment in 270 days, though it may take two additional payment cycles to be reflected on credit reports.
More borrowers are falling behind on their payments. Nearly 8 million borrowers had defaulted on $181 billion in federal student loans by the end of last year, according to U.S. Education Department data. Another 3 million loan recipients were at least three months late on their payments.
It’s the highest combined rate of serious delinquency and default since the government began its data reporting system nearly a decade ago, the New York Times reported.
Biden’s SAVE plan is dead
Former President Joe Biden first proposed canceling up to $10,000 in federal student loan debt for borrowers earning less than $125,000 per year. After the U.S. Supreme Court knocked it down, he launched a new program that promised a lower monthly bill and a shorter path to loan forgiveness than other repayment plans.
About 135,000 Wisconsin borrowers enrolled in Biden’s Saving on a Valuable Education plan, also referred to as SAVE, Trone said. But several legal challenges have effectively killed the program.
SAVE borrowers need to apply to a different repayment plan, the federal education department said March 27. In July, loan servicers will begin notifying borrowers they have 90 days to switch plans or automatically be placed in the standard plan.
The new repayment options will be far less borrower-friendly, Trone said. A family of four making $84,000 would have paid $36 per month on the SAVE plan. That could jump to $440 per month.
The federal student aid website includes a loan calculator tool to get a sense of how much payments will increase and which plan will lead to the lowest payments.
Borrowers seeking Public Service Loan Forgiveness face more complications
The Public Service Loan Forgiveness program offers a path for borrowers who work in public service – such as teaching, nursing and policing – to have their debt erased after 10 years on the job.
The Trump administration is trying to change the program’s rules. The federal education department said that, beginning July 1, it would deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a “substantial illegal purpose.” It could include organizations, for example, that work with undocumented immigrants or provide gender-affirming care to children.
Several predominantly Democratic cities sued last fall. The case remains pending.
Borrowers seeking public service loan forgiveness who enrolled in SAVE are caught in legal limbo. Their payments were frozen because of the court cases. But that also means they can’t make any progress toward loan forgiveness.
“Their applications are going nowhere,” Trone said. “So there’s high frustration.”
Student loan oversight moving to different federal agency
The U.S. Education Department announced the Treasury Department will assume responsibility for collecting on defaulted student loans.
The transition of the office of Federal Student Aid is happening in phases, and it’s unclear when the first phase will begin, Trone said. A borrower’s terms and interest rate won’t change during the transition. The consequences of falling behind on payments won’t change either. The government can garnish your wages, and withhold Social Security payments and federal tax refunds.
New loans subject to new borrowing limits
The One Big Beautiful Bill Act, President Donald Trump’s tax and spending bill signed into law last summer, sets new caps on direct federal loans: $50,000 annually and $200,000 over a lifetime. It also eliminates the Graduate PLUS loan program, which many professional-degree seeking students use to cover living expenses while in school.
Republicans say the changes are long overdue and will encourage schools to rein in rising tuition costs for pricy professional and graduate degree programs.
But some financial aid experts worry the new caps will price some students out of pursuing degrees in law, medicine, veterinary medicine and more, or push them to the private loan market. Private loans offer fewer protections, higher interest rates, less favorable repayment terms and may require a co-signer.
Wisconsin student loan borrowers can get free help from hotline
Borrowers in some states can get help and file complaints against servicers with student loan ombudsmans. In other states, there is a higher education agency to turn to for help. Wisconsin has neither.
The Wisconsin Coalition on Student Debt started up to fill the gap. The nonprofit group runs an anonymous and confidential hotline for borrowers.
Call 833-589-0750. There’s no wait time. No artificial intelligence-driven chatbots. Questions go directly to human student loan experts.
The hotline hasn’t taken off as much as you might think. Since its informal launch during the pandemic, Trone estimated the coalition has helped about 900 borrowers.
“We are pushing so hard to get the word out,” she said.
New incentives for employers to help workers with student loan debt
Employers can pay up to $5,250 per year per employee for qualified student loan payments, tax-free.
The incentive began in 2020 as a temporary provision, which deterred some employers from pursuing it, Trone said. But the measure now has permanent status.
The coalition is assessing which Wisconsin employers offer this perk to employees.
Kelly Meyerhofer has covered higher education in Wisconsin since 2018. Contact her at kmeyerhofer@gannett.com or 414-223-5168. Follow her on X (Twitter) at @KellyMeyerhofer.
WEST ALLIS (WLUK) — The Wisconsin State Fair unveiled dozens of new menu items coming to the fairgrounds for the 175th fair.
80 new food and drink options were unveiled Friday afternoon. Many of the items will feature Ellsworth Cooperative Creamery cheese curds, as they were declared the official cheese curds of the state fair. However, Door County cheese curds will be featured on the cheddar garlic longanisa lumpia, according to the list. It isn’t clear which Door County cheesemaker is supplying the cheese curds.
Here are all the new items coming to the fair:
- Al Pastor Pizza
- Bayou Crunch Cup
- Big Pat’s Pit Stop Punch
- Birria Flamin’ Bombs
- Biscoff Hot Fudge Cup
- Bloody Mary Mac Daddy
- Blue Ribbon Watermelon Mint Julep
- Bourbon Deep-Fried Pecan Pie
- Bugged Out Frozen Cheesecake On-a-Stick
- Bunzel’s Hungarian Sausage Sandwich
- Candied Bacon Cheese Curds
- Caramel Apple Cheese Curd Tacos
- Cevapcici – Croatian Sausage Sandwich
- Cheddar Garlic Longanisa Lumpia with Banana Ketchup
- Chicken Cordon Bleu Sausage
- Chimi-Brat-Changa
- Chocolate Covered Strawberry Sipper
- Churro Dog
- Circus Peanut Spritz
- Cold Foam Berry Blast
- Color-Changing Swamp Juice
- Cookie Butter Coffee Float
- Cosmic Funnel Cake
- Cranberry Dream Bar
- Cream City Cone
- Cuban Fries
- Deep Fried Horchata Balls
- Deep-Fried Ranch
- Deep-Fried Top The Tater
- Bloody Mary Pickles & Dill-icious Pickles
- Dill-uxe Pickle Fries
- Egg Roll A-la-Mode
- Ellsworth Fresh Cheese Curds
- Freedom Brat
- Freeze Dried Cheese Curds
- French Onion Cheese Pull
- Fruit Roll-Up Remix
- Gluten-Free Chimichurri Cheese Curds
- Guac This Way Tots
- Hawaiian Pizza Slush
- Hot Honey Bacon Corn Dog
- Hot Honey Chicken Lemonade
- Hot Honey Heatwave Fries
- Ice Cream Nachos
- Lemon-Lime Spritz
- Little Smokies Campfire Meal
- Monkey Bread
- Monster Blue Hawaiian Dirty Soda
- Nitro Cheesy Puffs
- Orange Creamsicle Lemonade
- Patriotic Punch
- Peach Beary Boba
- Peaches n’ Cream Whipped Frozen Lemonade
- Peachy Keen Cooler
- Pineapple Pop Paradise
- Pop’s Kettle Me Squeeze
- Porky Puff
- Potato Chip Sundae
- Ranch BLT Dog
- Red, White, & Berry
- Redneck Brat
- Smoked Pork Pierogi Sliders
- Soft Serve Beer
- Spam Jerky Sampler
- Star-Spangled Bomb Pop
- Sweet Lemon Berry Cheese Curds
- Tanghulu
- The Blue Moo Lagoon
- The Dirty Dog
- The Wisconsinite Slush
- Tilt-a-Spritz
- Tinga Tango Chicharrones
- Toffee Tumble
- Triple Chocolate Mini Donuts
- Tropical Tide
- Vegan Cheesesteak Eggrolls
- Waffle Cone S’mores
- Why Not Tots
- Wild Grape Dirty Soda
- Wisco Short Rid Corn Dog
- Wisconsin Chocolate Barnyard Float
- Southwestern Chorizo Pasty
In addition, a few new vendors are joining the Wisconsin State Fair. All Family Concessions will be found on the Back Forty. Dale Z’s On Tour will be on Grandstand Avenue and Second Street. Lulu Tanghulu will be in the expo center. And the Yuengling Beer House will be on Central Avenue and Benno’s Micro Alley.
The original cream puff and the chocolate cream puff will be offered at the 2026 Wisconsin State Fair. The new ‘Fair-aschino Cherry Cream Puff’ will be available while supplies last each day. Unlike the original and chocolate puffs, they won’t be available for pre-order.
Some of the new food offerings at the fair are also up for the Sporkies and Drinkies awards. The options up for the awarded are bolded in the list above.
The Wisconsin State Fair runs August 6 through August 16.
Residents can attend the July 16 meeting in Sheboygan or submit written comments by email to NOAA.
Wisconsin Shipwreck Coast National Marine Sanctuary has 36 shipwrecks
Discover the history, shipwrecks and impact of the Wisconsin Shipwreck Coast National Marine Sanctuary, established to protect maritime heritage in Lake Michigan. This video was created by the Wochit AI tool.
Wochit
SHEBOYGAN – Residents can attend or comment on an upcoming meeting of the Wisconsin Shipwreck Coast National Marine Sanctuary Advisory Council scheduled for July 16 in Sheboygan.
The gathering will take place from 6 to 8 p.m. at the Sheboygan County Museum, 3110 Erie Ave., according to a community announcement. Members of the public are invited to attend and observe discussions.
The agenda includes routine council business, updates from working groups, community reports and briefings from NOAA staff on sanctuary programs, research and upcoming events.
Public can provide comments during meeting
A public comment period is planned for about 7:50 p.m., giving attendees a chance to share feedback directly with council members.
Those unable to attend may submit written comments by email to jean.prevo@noaa.gov, according to the announcement.
Council shares updates on sanctuary programs
NOAA’s Office of National Marine Sanctuaries will provide updates tied to the Wisconsin Shipwreck Coast National Marine Sanctuary, including research initiatives and community engagement efforts.
More information about the council and its activities is available online at sanctuaries.noaa.gov.
This story was created by reporter Nida Tazeen, NTazeen@usatodayco.com , with the assistance of Artificial Intelligence (AI). Journalists were involved in every step of the information gathering, review, editing and publishing process. Learn more at cm.usatoday.com/ethical-conduct.
Wisconsin
A Wisconsin family is suing Target after their 10-month-old died from swallowing a water bead
A Wisconsin family lost their ten-month-old daughter after she swallowed a water bead. They blame Target and the water bead manufacturer for her death.
This week, Taylor and Tyler Bethard filed a lawsuit against Target in Hennepin County, claiming that the company failed to warn them and other customers about the dangers of a water beads product that used to be sold exclusively at Target.
Water beads are marketed as toys that come with sensory kits or craft sets, but data shows the products are prone to injuring young children. The polymer material is extremely absorbent, allowing water beads – which are often colorful – to expand around 100 times their original size when they interact with water or liquid. This presents a hazard for kids; the United States Product Safety Commission states that between 2017 and 2022, there were 6,300 water bead-related ingestion injuries that required treatment from emergency departments across the country.
In 2023, a 10-month-old girl died. Her name is Esther “Jo” Bethard. According to court filings, Taylor Bethard found her daughter unresponsive in her crib on the morning of July 7, 2023, after she had suffered symptoms of a stomach illness overnight. Medical examiners told the family that her death was caused by swallowing a single water bead.
The Bethards had purchased a Chuckle and Roar water bead set in the spring of 2022 for Esther Jo’s older siblings, never intending for the infant to interact with the water beads.
Target and the Chuckle and Roar manufacturer, Buffalo Games LLC, mutually agreed to pull the product from the shelves in November of 2022. Court records show an email exchange between Buffalo Games and a product safety employee at Target where the manufacturer noted that while their water beads had met safety standards at the time, they wanted to “avoid any future unintended misuse of the product.”
That conversation was prompted after Buffalo Games was informed that an infant required surgery after ingesting a water bead from the Ultimate Water Beads kit. Target agreed to end sales, indicating that this would be classified as a “safety removal.”
The Bethard’s lawsuit alleges that Target clearly knew how dangerous these water beads could be, but failed to warn them or other customers. Target stopped selling the product about eight months before Esther Jo died. Daniel Mann, a personal injury attorney representing the Bethards in this case, said that Esther Jo would still be alive if Target had acted.
“With all this information Target didn’t do anything to reach out to the family or other consumers to let them know about this problem,” Mann said, “I think 10/10 people would say Target had a responsibility to do more than what they did, which was nothing.”
A spokesperson for Target said that they would not comment on ongoing litigation, but the company had already responded to an identical complaint filed by the Bethards in the State of New York. In 2025, the Bethards sued both Target and Buffalo Games in Erie County, N.Y., because that was where the manufacturer was based. In response to the lawsuit there, court filings show that Target denied the allegations that they knew of an extraordinary danger posed by the water beads and failed to notify customers.
The complaint was dismissed against Target in New York, Mann explained, due to jurisdiction. This lead to them refiling in Hennepin County this week.
In a statement to WCCO on the new legal action, a Target spokesperson said “We extend our deepest sympathies to those affected by this tragedy, and we worked closely with the manufacturer of the product at the time the incident occurred.”
Taylor Bethard, Esther Jo’s mother, has lead the charge to ban water beads entirely. Her efforts lead to the United States Consumer Product Safety Commision recalling the more than 52,000 Chuckle and Roar Ultimate Water Beads Activity Kits that were in circulation. The recall took effect in September of 2023. Target, Walmart and Amazon announced that they would stop marketing water beads to children.
Bethard is also working with Wisconsin U.S. State Senator Tammy Baldwin to establish federal legislation to permanently outlaw all water beads. This past spring, the CPSC established new legal guidelines that restrict the size of water beads to try to ensure high safety standards.
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