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Education Dept. fast-tracks forgiveness for borrowers with smaller student loans
The SAVE plan is becoming a key vehicle for President Biden’s student loan debt relief efforts. In a Friday press release, U.S. Education Secretary Miguel Cardona said, “The Biden-Harris Administration designed the SAVE Plan to put community college students and other low-balance borrowers on a faster track to debt forgiveness than ever before.”
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Ting Shen/Bloomberg via Getty Images
The SAVE plan is becoming a key vehicle for President Biden’s student loan debt relief efforts. In a Friday press release, U.S. Education Secretary Miguel Cardona said, “The Biden-Harris Administration designed the SAVE Plan to put community college students and other low-balance borrowers on a faster track to debt forgiveness than ever before.”
Ting Shen/Bloomberg via Getty Images
In a surprise move, the Biden administration says it will fast-track a big change, previously scheduled for July, that will soon erase the debts of thousands of federal student loan borrowers – undergraduate as well as graduate students who initially borrowed less than $21,000.
The administration’s cancellation math will work like this: Anyone who borrowed $12,000 or less in federal student loans and has been in repayment for at least 10 years will have their debts automatically erased in February, as long as they first enroll in the Biden administration’s new income-based repayment plan known as SAVE. It does not matter what repayment plan or plans they were in before, so long as they were actively repaying their loans and now enroll in SAVE.
With each additional $1,000 of debt, the window for forgiveness increases by one year. For example, a student who took out $13,000 in loans will now have their debts erased if they’ve been in repayment for 11 years – or in 12 years for those who borrowed $14,000 and so on.
The U.S. Education Department will base the policy on the amount students initially borrowed – not on the amount they currently owe.
“I am proud that my Administration is implementing one of the most impactful provisions of the SAVE plan nearly six months ahead of schedule,” said President Biden in a Friday statement.
“Today’s announcement gives borrowers an even greater reason to check out the SAVE plan and find out if they may qualify for earlier debt relief,” Education Secretary Miguel Cardona said in a press release.
The Biden administration does not yet know precisely how many borrowers will immediately qualify for cancellation through the policy change.
On a call Thursday with reporters, Education Under Secretary James Kvaal added that this move will help a particularly vulnerable group of federal student loan borrowers.
“This group has low incomes. About three-quarters of them receive Pell Grants. About one-third of them first attended a community college,” Kvaal told reporters. Perhaps most importantly, “more than 3 in 5 borrowers with defaulted loans originally borrowed less than $12,000.”
Many of these low-debt borrowers also have something else in common, Kvaal said: They left school before completing a degree. In the past, non-completers have often fallen into default because they struggle to repay their debts without the wage premium that comes with a degree.
Until now, one of the department’s signature loan forgiveness efforts had been focused on borrowers with older debts – 20 years or more. This move builds a policy bridge to borrowers who have spent far less time in the student loan system.
SAVE is the most forgiving repayment plan yet (literally)
To qualify for the fast-tracked forgiveness announced on Friday, borrowers need to first enroll in the SAVE plan, which is becoming a key vehicle for President Biden’s debt relief efforts in the wake of the Supreme Court’s scuttling of his broader relief plan. Beginning in February, borrowers enrolled in SAVE will be notified if their debts qualify for cancellation, with no further action required.
The administration also announced that, as of early January, 6.9 million borrowers have enrolled in SAVE with more than half, 3.9 million, making incomes low enough to qualify for a $0 monthly payment.
The SAVE plan exempts more of a borrower’s income from the monthly payment math than previous plans, and, under SAVE, interest no longer accumulates beyond what a borrower can afford to pay each month. Under previous plans, borrowers with low or $0 payments — too low to cover their monthly interest — saw that interest explode. With SAVE, that stops.
What’s more, the plan promises multiple windows for loan forgiveness, which means many borrowers will end up paying far less over time on SAVE than they would have on old plans. In fact, the department itself acknowledges that, under a previous plan for low-income borrowers, borrowers repaid, on average, $10,956 for every $10,000 they borrowed. Under SAVE, they will pay back just $6,121.
That’s why Republicans in Congress have been fighting to stop SAVE.
“President Biden is downright desperate to buy votes before the election – so much so that he greenlights the Department of Education to dump even more kerosene on an already raging student debt fire,” said the Republican chair of the House Education Committee, Virginia Foxx of North Carolina, after Friday’s announcement. “It would surprise no one if the Department relied on infants playing with abacuses to balance its books – it is a complete and utter disaster.”
While House Republicans have fought the plan, President Biden has said, even if Congress does send him a bill to kill SAVE, which the Senate seems unwilling to do, he’ll veto it.
Friday’s announcement comes after the department’s shaky launch of its new Free Application for Federal Student Aid, or FAFSA, form – which included a big mistake that will lower the amount of federal aid many applicants receive unless it’s remedied soon. The department is wrestling with when, and how, to fix this mistake, all while navigating a funding crisis.
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Reflections on America’s 250th birthday
The nation’s capital may be the focal point of the 250th Independence Day celebration, but people all across America have plans to mark the occasion, from boisterous public parades to quiet personal reflections on history.
Julia Demaree Nikhinson/AP
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Julia Demaree Nikhinson/AP
As the United States turns 250 years old, Americans across the country are spending the holiday thinking about what the big birthday means to them, with reflections and celebrations as diverse as the nation itself.
NPR’s member station reporters fanned out to collect snapshots of the occasion from sea to shining sea.
In one ‘City of Presidents,’ Main Street is decorated for a party
At least two cities in the U.S.call themselves the “City of Presidents” and Cuba City, in Wisconsin, is one of them, largely due to its patriotic Main Street decorations. Every year from Memorial Day through Veteran’s Day, red, white, and blue shields, one for each U.S. president, are prominently displayed high up on the light poles lining Main Street.
It’s a tradition that began in 1976 to commemorate the country’s bicentennial, says Donna Rogers, who is president of the ongoing project but admitted that when it first started, she wasn’t particularly tuned-in to the display.
“I was raising three little boys and working at John Deere, so I didn’t really pay too much attention to community service at that time,” she said.
Donna Rogers shows off one of Cuba City’s presidential lampposts.
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Susan Bence/WUWM
A few years later, she was tapped to help keep the initiative alive.
When she thinks of the country’s history, she says the signing of the Declaration of Independence and abolition of slavery top her list, plus a current event–
“Of course, now, our nation’s 250th birthday. I think those three would be the three most important things in history to me,” she said, quickly adding “[the] right for women to vote, don’t forget that, right?”
Rogers and Cuba City are pulling out all the stops for the 250th, with a parade and a mac-and-cheese festival, because “that was some of our founding fathers favorite foods, along with turkey and cranberries and other items.”
She laughed and admitted she googled that. True or not, Rogers says they’ll go all-out to celebrate the 250th in her “City of Presidents”.
WUWM’s Susan Bence reported from Cuba City, Wisconsin.
In Georgia, a civics competition inspires hope for future generations
At the Georgia state finals of the National Civics Bee, middle school students were peppered with questions about the U.S. government.
Like this one: why is a single energetic executive desirable?
The answer: it promotes accountability and decisive leadership.
9th grader Ella Hummel got it right.
“I’ve always kind of had the idea of serving in politics,” she said after the competition. “And I really think that civics has opened my mind.”
Ella will advance to the civics bee finals later this fall, with her grandmother, Peggy Farmer, cheering her on. Farmer remembers the excitement around the bicentennial in 1976, but said she feels a different energy around this year’s anniversary.
“It’s a togetherness type of thing that’s really not around all the time now,” she mused. “I think it’s just the world’s changed a lot.”
But there is something Farmer will celebrate about America on this Independence Day: her grandkid, the Georgia Civics Bee Champion.
“Maybe she and the kids that was sitting up there, they can change [the country] a little bit. I mean, they seem to be having a ball with each other up there today, so that’s a good thing.”
GPB’s Sofi Gratas reported from Atlanta.
In Texas, appreciating the process of patriotism
Rodney Ellis, who has served 43 years in public office, is guardedly optimistic that America will stay on a path towards progress.
John Burnett
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John Burnett
Rodney Ellis will celebrate at picnics around his precinct in Houston with barbecue pork ribs and ice tea, and a heaping helping of worry about the nation’s future. The tall, garrulous 72-year-old county commissioner is guardedly patriotic.
“We should be celebrating that America is a process,” he said. “Patriotism is telling the truth, and doin’ the work to repair the harms that have come about over these 250 years.”
The son of a maid and a landscaper, Ellis has served 43 years in public office, first as a Houston city councilman, then state senator, and now as a Harris County commissioner.
Fifty years ago, during the bicentennial, Ellis was a public affairs graduate student at the University of Texas in Austin. In 1976, there were 18 Black representatives in Congress; today there are 67.
“We’ve made tremendous progress since then, tremendous gains,” he said. “And so when I compare what was happening then to what’s happening now, I look at how quickly a lot of those fundamental rights, those gains that we’ve taken for granted have rolled back so quickly.”
He ticked off areas where he believes America has lost ground: clean air and clean water, people of color in key positions in government, owning up to uncomfortable U.S. history, and selfless public service.
But, said the commissioner with a broad grin, that’s how it’s always been in America.
“Progress is made but along the way sometimes you take two steps forward and 10 steps back, but you don’t give up.”
John Burnett reported from Houston, TX.
In Milwaukee, Fourth of July tacos with a big helping of pride
Gissell Vera is proud to be both American and Mexican. She plans to celebrate both of her cultures with a Fourth of July carne asada cookout.
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Maayan Silver/WUWM
Gissell Vera ordered carne asada tacos on her favorite patio in Milwaukee, a vibrant spot punctuated with strings of international flags and a steady cumbia drumbeat.
“The music, the colors, the language, all of it is part of me and I am a proud American,” she said.
Vera is a U.S. citizen from a mixed status family; her parents emigrated from Veracruz, Mexico.
“My family has particularly always been grateful for this country and the opportunities that it’s provided us,” said the 25 year-old. “Although there is always the fear and uncertainty of what immigration reform could, how it could impact us, we choose to live every day without fear.”
Vera said there’s a phrase she’s heard many immigrants use to describe their relationship to the United States, “ni de aquí ni de allá,”, meaning ‘neither from here or there.’
“It’s almost like a limbo in which we existed,” she explained. “And I think that now I’m very proud to say that I am ‘de aquí’ and ‘de allá’. So I am proud to be from here and from there.”
She said she’ll join her family for a cookout to celebrate America’s 250th birthday, but instead of hot dogs, they’ll be grilling carne asada.
WUWM’s Maayan Silver reported from Milwaukee.
In the Mountain West, a closer look at a national myth
As America turned 250 this year, historian Megan Kate Nelson used the occasion to take a closer look at a foundational myth of the country’s history and ask, “what stories do we carry forward?”
Her new book ‘The Westerners’ profiled pioneers who, according to Nelson, don’t fit “the narrative of white Easterners moving westward in covered wagons with a nuclear family in tow, engaging with a series of challenges.”
A statue of Sacagawea along the banks of the Missouri River in Great Falls, Mont. Sacajawea was a Lemhi Shoshone woman, who accompanied Lewis and Clark as an interpreter and guide. Her role in the expedition is reexamined in Megan Kate Nelson’s book.
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Matt Volz/AP
That includes historical figures like Polly Bemis, who was trafficked from China to the Idaho frontier, and María Gertrudis Barceló, a Santa Fe saloon owner and professional gambler.
Even the well-known figure, Sacagawea, gets another look.
“I read through the Lewis and Clark journals. They mention her more than 150 times, and she is always doing something or saying something,” said Nelson. “My favorite part: when they arrive on the western coast, they set up camp a couple miles away from the ocean, and she yells at William Clark. ‘You are going to take me to go see the ocean! I did not travel all this way not to see the ocean!’”
Nelson said it’s more important than ever to elevate a fuller picture of westward expansion, and to challenge the frontier myth that “there’s only one white pioneer; there’s only one kind of story of American greatness.”
Ryan Warner reported from Crested Butte, Colorado.
In Rhode Island, the parade is nearly as old as the nation itself
Every Independence Day, the yellow stripes dividing Hope Street get a patriotic makeover.
David Wright/Ocean State Media
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David Wright/Ocean State Media
The town of Bristol, Rhode Island, lays claim to the nation’s oldest Independence Day celebration. This year, they will celebrate America’s 250th with their 241st birthday bash for the country, an effort that brought together over 100 volunteers as part of the Fourth of July committee.
Plans include a parade with at least 34 floats, a golf tournament, a “Miss Fourth of July” beauty pageant, and a gala ball.
Even the double yellow line down Hope Street got its annual red, white and blue makeover for the parade.
For the past decade, Heidi Vermilyea has been in charge of the parade souvenirs, selling hats, t-shirts, and Christmas tree ornaments out of a blue trailer.
“I think I’ve missed the parade once when I was in Europe for the Fourth of July,” Vermilyea admits. “But otherwise, I have been either watching the parade or working the parade my whole life.”
Even when she’s not working the events, she’s decked out in stars-and-stripes, all the way down to her patriotic pedicure.
Heidi Vermilyea runs the souvenir truck for Bristol’s parade every July 4th. But her American flag outfits are year-round display of her patriotism.
David Wright/Ocean State Media
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David Wright/Ocean State Media
“Politics you can be left, right, moderate, whatever,” Vermilyea explains. “Patriotism is just loving your community. Helping out to make your community, your country a better place.”
The way she sees it, she’s flying the flag for Bristol, her family and friends.
This story was reported by Ocean State Media’s David Wright.
In Oregon, grappling with a complicated history
Some of Mitchell S. Jackson’s fondest childhood memories are of the Fourth of July.
“My mother would always buy me an outfit that had a red, white, and blue color scheme,” Jackson, who is now 50 years old, remembered. “And it was joyous, you know, to don those colors.”
But as the Pulitzer Prize-winning writer grew up, he learned more about America’s history of slavery and racism. Jackson said that made his relationship to his country more complicated, especially after he was convicted on drug and weapons charges as a 21-year-old and imprisoned for over a year.
“I lost my right to vote before I ever voted, before it ever dawned on me that my suffrage was important,” remembers Jackson. “And I would say that that is an American project, that a young Black boy loses his right to vote.”
Jackson said these inequalities, both historical and modern, call into question the very anniversary we’re celebrating.
“When I hear 250, I know that that’s a false number, right?”
Mitchell S. Jackson at the 60th anniversary of the March on Washington. For Jackson, the 250th is not a true celebration of American freedom, since so many people were enslaved at the time.
Erwin JT Trollinger
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Erwin JT Trollinger
Jackson said that to him, true freedom in America only goes back 160 years, to when the 14th amendment granted everyone equal protection under the law. Or even just 62 years to the Civil Rights Act, which outlawed segregation.
“If you love something, you’re also critical of it,” he pointed out. “You don’t just love it blindly, or I hope you don’t just love it blindly. So if you truly love America, then you gotta tell the truth about America.”
Jackson says there are ways for Black Americans to make the Fourth of July, and America itself, their own. But it’s a group project to understand who we are, and who we’ve been, and who we can become.
Deena Prichep reported from Portland, Oregon.
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Family-owned company prepares to put on the largest fireworks display in history: “It is the biggest show that we’ve ever done”
Washington — There are fireworks, and then there’s what’s in store for Saturday in Washington, D.C.
When the sun goes down on Independence Day, the skies of Washington are expected to fill with a record-setting 850,000 individual fireworks for a 40-minute spectacle like no one has seen before.
A company called Pyrotecnico will attempt the biggest fireworks show in history, using five generations of family know-how and a background in Super Bowls and large musical acts to help America celebrate its 250th birthday with a bang.
“I mean, it is the biggest show that we’ve done,” Rocco Vitale, president of Pyrotecnico, told CBS News. “…My earliest memories of fireworks displays and doing the Fourth of July was here.”
Pyrotecnico has been planning this year’s show since January, using computers to simulate the display. But now it’s time for the real thing.
Vitale gave CBS News an exclusive look at his not-so-secret weapons: eight barges out on the Potomac River, each one ready to light up the night sky.
“Each firing location has a communication device, and its all set on GPS. And once the time of the show is put into the system, it goes at that time,” Vitale explained.
According to Freedom 250, the organizer of the “Salute to America 250 Celebration & Fireworks” on the National Mall, President Trump will deliver remarks at 9:45 p.m. Eastern Time, and the fireworks display will get underway at 10:45 p.m. The event is expected to draw hundreds of thousands of people.
Join CBS for “The Great American Block Party 250,” a primetime special on Saturday, July 4, hosted by CBS Evening News anchor Tony Dokoupil and Entertainment Tonight’s Nischelle Turner, featuring live musical performances, celebrations around the country, and the largest fireworks show in history in the skies over the nation’s capital. Tune in July 4 at 8 p.m. ET on CBS and stream it on Paramount+ and CBS News 24/7.
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Oregon ER doctors win a ‘David and Goliath’ battle against a national company
A national physician staffing firm tried to take over the contract held by Eugene Emergency Physicians to work in local hospitals. The local physicians used a new state law to oppose the move.
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In between shifts in the emergency room, Dr. Dan McGee was in an Oregon courtroom. He was fighting for his practice — Eugene Emergency Physicians (EEP). The group of more than 40 doctors and physician assistants work at multiple emergency departments; it was being replaced by a national company.
“This was big time, David and Goliath stuff,” McGee said. “You see 14 of their lawyers sitting there and you see three of ours.”
Those lawyers argued that ApolloMD, the national company, violated Oregon’s corporate practice of medicine law. The 2025 law bans corporations from taking control of a medical practice’s operations and finances.
The case garnered national interest because Oregon’s new law targets the loopholes large staffing firms have been employing to circumvent state corporate medicine laws.

Money for control
Most states have laws requiring that doctors own medical practices, not corporations. These rules aim to put patient interests ahead of profit motives. Over the last several years, companies have used a model where a doctor technically owns the local practice, but as Erin Fuse Brown, a professor at Brown University, explains, those physician owners are often not involved in care and cede hiring, firing and other operational functions to the corporation.
Fuse Brown said these arrangements are attractive to hospitals because these companies often promise more revenue and take over the responsibilities that come with running an ER.
“There’s worry that these investors or these corporate management companies should not be totally controlling the operations and the clinical decisions of those who are trained to deliver patient care,” Fuse Brown said.
The connection to patient care concerned Dr. Jonas Pologe, who works for Eugene Emergency Physicians, in the Eugene, Ore., area. ApolloMD offered local doctors jobs, but Pologe worried that if he pushed back on decisions ApolloMD made, he could lose work hours.
“There’s certainly a chance that if you make enough of a stink, you think that something needs to change, they can just stop giving you shifts,” said Pologe.

ApolloMD’s CEO, Dr. Yogin Patel, said the group doesn’t infringe on the way its doctors practice. He says the company is being unfairly lumped in with broader concerns over physicians’ feelings of disempowerment at the hands of corporate medical takeovers.
A closely watched experiment
Fuse Brown, policy experts and independent physicians theorized that updating state corporate medicine laws could be a fix to limit the control management companies can exert over medical doctors.
Oregon’s the first state to try this, and the case brought by the Eugene doctors group is the first test of that law. McGee, who leads the Eugene physicians group, says colleagues at other hospitals around the state were literally tuning in to their case.
“You could hear it almost like background music on an elevator,” McGee says he was told. “At key moments, all of a sudden the nurses would break out in a cheer.”
Before any ruling, the hospital system dropped its plan to work with ApolloMD and struck a deal to stick with McGee’s local group of doctors.
“This is a big victory for independent physician groups over corporate medicine,” McGee said. “This is a game changer.”
The American Academy of Emergency Medicine (AAEM) supported the Eugene doctors as part of the organization’s strategy to protect independent practices. The AAEM president, Dr. Vicki Norton, said Oregon has the strongest law in the country.
“This signals that that law works and we need it replicated in other states to really strengthen their corporate practice laws,” said Norton.
California and Vermont have passed similar legislation to Oregon, and lawmakers in other states, including Rhode Island and New Mexico, are considering related bills.
In Virginia, an independent group of ER doctors who were replaced by a large staffing firm is meeting with state legislators to try to change their laws.
Impact on Oregon physicians
Back in Oregon, the open question is about how the law may impact the physician practice market.
A few of the largest companies, Envision Healthcare, TeamHealth and USACS, declined to answer NPR’s questions about whether this case or the new law changed their outlook on investing in Oregon practices.
Opponents of the legislation warned lawmakers that many physician groups depend on outside investment to survive.
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