World

Biden tries again at student loan cancellation, this time for those with financial hardships

Published

2 years ago

October 25, 2024

Biden tries again at student loan cancellation, this time for those with financial hardships

WASHINGTON (AP) — The Biden administration is moving ahead with a new path to student loan cancellation for Americans who face steep medical bills, child care costs and other types of financial hardship that prevent them from repaying their loans.

Announced Friday, the proposed rule is President Joe Biden’s third attempt at student loan cancellation as he faces repeated legal challenges from Republican states. His first plan was rejected by the Supreme Court last year, and his second plan has been temporarily halted by a federal judge in Missouri.

The new rule would have to clear a number of hurdles before it becomes official, and it’s unclear if it could be realized before Biden leaves office in three months. Like Biden’s other loan forgiveness proposals, it could face court challenges from conservatives who say it’s unconstitutional and unfair.

If finalized, the new rule would allow the Education Department to proactively cancel loans for borrowers if the agency determines they have an 80% chance of being in default on their loans within two years. Others could apply for a review to determine if they meet the criteria for cancellation.

It’s meant to help borrowers who are unlikely to ever be able to repay their loans. The Education Department estimates about 8 million Americans would qualify for cancellation.

“For far too long, our broken student loan system has made it too hard for borrowers experiencing heartbreaking and financially devastating hardships to access relief, and it’s not right,” said Education Secretary Miguel Cardona.

Those who could be eligible include people with unexpected medical bills, high child care costs, heavy costs related to caring for relatives with chronic illnesses, and those struggling financially in the wake of natural disasters, the Education Department said.

Under the proposal, the department could use a range of factors to judge whether someone is likely to fall into default on their loans. It includes household income, age, whether they receive public benefits, and their overall debt — not just from student loans.

It also allows consideration of “any other indicators of hardship identified by the Secretary.” A loan is usually considered in default if no payment has been made in about nine months.

With about 1 million borrowers in default every year, Cardona said the new rule would prevent his agency from trying to collect money it’s unlikely to recoup.

“Servicing and collecting on defaulted loans is not free, it costs taxpayer dollars,” Cardona said in a call with reporters. “And there’s a point when the cost of trying to collect on a defaulted loan just is not worth it.”

The proposal will enter a 30-day public comment period before it could become official. The administration said it plans to finalize the rule in 2025. It faces an uncertain future arriving less than two weeks before the Nov. 5 presidential election.

Vice President Kamala Harris, the Democratic nominee, has not detailed her plans for student debt cancellation if she wins the presidency. Republican nominee Donald Trump has called Biden’s cancellation proposals unfair and illegal.

Biden’s latest proposal is the result of a federal rules process that included experts from across higher education. Advocates pushed hard for the hardship provision, saying too many borrowers get trapped with debt they’ll never be able to repay.

The Biden administration said it has authority under the Higher Education Act, which allows the education secretary to waive debt in certain cases. It also noted that other federal agencies routinely waive debts owed to them, considering factors like “good conscience” and equity.

It’s a similar legal argument used to justify Biden’s second attempt at student loan forgiveness, which proposes relief for groups of borrowers including those with large sums of interest and those with older loans. A federal judge in Missouri blocked that plan amid a legal challenge from Republican states.

Biden campaigned for the White House on a promise of new student loan cancellation, but his biggest plans have been halted by Republican opponents. Last year, the Supreme Court rejected a plan to forgive up to $20,000 for millions of Americans after several Republican states sued to block it.

Amid its legal battles, the administration has increasingly shifted attention to its work canceling student loans using existing programs, including one for public service workers. In total, the administration says it has now canceled $175 billion for about 5 million borrowers.

The hardship provision was originally discussed as part of the second-attempt plan that’s now on hold in Missouri, but the Education Department broke it off into its own proposal to spend more time on the details.

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The Associated Press’ education coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

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World

Two-train crash leaves at least 1 dead, 89 injured as emergency crews rush to chaotic scene

Published

10 minutes ago

June 20, 2026

Press Room

Two-train crash leaves at least 1 dead, 89 injured as emergency crews rush to chaotic scene

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Authorities are responding after two passenger trains crashed into each other Friday near Bedford, England, killing at least one person and injuring nearly 90 others.

The East of England Ambulance Service said it was called to a collision involving two trains at Elstow, near Bedford, at about 5:15 p.m. local time and quickly declared a “major incident.”

One person died at the scene, 11 people suffered very serious injuries, 22 were seriously injured and 56 people had minor injuries, officials said.

Bedford is roughly 60 miles north of London.

2 TRAINS COLLIDE IN DENMARK, LEAVING 5 PEOPLE CRITICALLY INJURED

Two passenger trains collided Friday in the United Kingdom. (Fox News)

All the patients with the most serious injuries have been taken from the scene to hospital.

The ambulance service said it sent numerous resources to the scene, including more than 20 ambulances, specialist hazardous area response teams and six air ambulances.

MULTIPLE STABBED IN UK TRAIN ATTACK NEAR CAMBRIDGE AS POLICE ARREST 2 SUSPECTS

Emergency crews were pictured working near the scene. (Fox News)

“Our thoughts are with everyone affected, and we thank all emergency service colleagues for their swift response,” the ambulance service wrote in a statement.

The Bedfordshire Fire and Rescue Service confirmed its crews were also responding.

“Please avoid the area,” fire officials wrote in a statement on X.

Sources told The Telegraph the train driver was on the phone with maintenance staff discussing a safety issue at the time of the crash.

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This is a developing story. Please check back for updates.

Alexandra Koch is a Fox News Digital journalist who covers breaking news, with a focus on high-impact events that shape national conversation.

She has covered major national crises, including the L.A. wildfires, Potomac and Hudson River aviation disasters, Boulder terror attack, and Texas Hill Country floods.

World

Lebanese influencer organises World Cup event amid Israel’s attack on Leban

Published

1 hour ago

June 19, 2026

Press Room

Lebanese influencer organises World Cup event amid Israel’s attack on Leban

NewsFeed

As Israel’s war on Lebanon rages, hundreds gather in Rmeileh by Sidon Gate to watch the 2026 World Cup. Organised by influencer Bilal Haddad, the fan zone offers food trucks, shisha and family activities, giving people a rare chance to relax. Al Jazeera’s Justin Salhani went to check it out.

Published On 20 Jun 2026

World

On the South Lawn, a UFC fighter’s victory frames an unusual White House scene

Published

9 hours ago

June 19, 2026

Press Room

On the South Lawn, a UFC fighter’s victory frames an unusual White House scene

WASHINGTON (AP) — Mark Schiefelbein has been based in Washington, D.C., with AP for about three years, and before that spent a decade in Beijing at AP’s China bureau.

Here’s what he had to say about this extraordinary photo.

Why this photo?

This was an event that had never happened before in the 250-year history of the United States and may never happen again: a night of mixed martial-arts cage match brawls on the South Lawn of the White House, with bloodied competitors battling it out in front of the president, vice president, and other leaders of the country. AP had other photographers ringside at the event focusing more on the fights themselves. So I felt my role was to capture the context of the evening — the location, the people in attendance, the environment.

How I made this photo

A small group of other photographers and I, the White House press pool, had been allowed to photograph part of the evening from a position in the stands directly opposite the White House. I was carrying four cameras with a variety of lenses from 12 mm to 300 mm. This let me capture everything from ultra-wide views of the “claw” structure built for the fights, to close-ups of leaders and celebrities in attendance. I had been following Diego Lopes with my longest lens as he moved around the ring celebrating his win over Steve Garcia. When I saw him start to climb onto the cage, I immediately realized there might be a possibility of a picture like this and zoomed out to capture more of the scene.

An octagon on the White House lawn for Trump’s 80th birthday and the nation’s 250th, in photos

1 of 30 |

President Donald Trump and Dana White, UFC president and CEO, arrive for UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Alex Brandon)

2 of 30 |

Diego Lopes fights Steve Garcia in a featherweight bout during UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington.(Evan Vucci/Pool Photo via AP)

3 of 30 |

President Donald Trump attends UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Alex Brandon)

4 of 30 |

Josh Hokit lands a punch as he fights Derrick Lewis during their heavyweight bout at UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Alex Brandon)

5 of 30 |

Diego Lopes, stands on the ring fence during the featherweight bout against Steve Garcia during UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Alex Brandon)

6 of 30 |

President Donald Trump, center, gestures as he attends UFC Freedom 250 alongside UFC President and CEO Dana White, left, and first lady Melania Trump on the South Lawn of the White House in Washington, Monday, June 15, 2026. (Evan Vucci/Pool Photo via AP)

7 of 30 |

Nic Becker, of Houston, shows off a Freedom 250 tattoo he got earlier in the day during UFC Fan Fest on the White House Ellipse ahead of the fights on the South Lawn, Sunday, June 14, 2026, in Washington. (AP Photo/Allison Robbert)

8 of 30 |

Lightweight Justin Gaethje is filmed by a crew on the White House Collannade, as he walks to UFC Freedom 250 on the South Lawn of the White House, Monday, June 15, 2026, in Washington. (AP Photo/Julia Demaree Nikhinson)

9 of 30 |

First lady Melania Trump walks out to the UFC Freedom 250 on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Julia Demaree Nikhinson)

10 of 30 |

Fans wear America-themed clothing during the UFC Fan Fest on the White House Ellipse ahead of UFC Freedom 250 on the South Lawn, Sunday, June 14, 2026, in Washington. (AP Photo/Allison Robbert)

11 of 30 |

President Donald Trump and UFC President and CEO Dana White watch the U.S. Air Force Thunderbirds and U.S. Navy Blue Angels perform a fly over the White House during the UFC Freedom 250 fights on the South Lawn of the White House, Sunday, June 14, 2026, in Washington. (AP Photo/Jacquelyn Martin, Pool)

12 of 30 |

U.S. Air Force Thunderbirds and the U.S. Navy Blue Angels perform a flyover during the National Anthem at UFC Freedom 250 on the South Lawn of the White House on Sunday, June 14, 2026, in Washington. (Win McNamee/Pool Photo via AP)

13 of 30 |

MMA fighter Sean Strickland is escorted out of the UFC Freedom 250 Fan Fest on The Ellipse by U.S. Secret Service and other law enforcement ahead of UFC Freedom 250 on the South Lawn of the White House on Sunday, June 14, 2026, in Washington. (Kevin Dietsch/Pool Photo via AP)

14 of 30 |

UFC fans take video before the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

15 of 30 |

Eric Albarracin at the UFC Fan Fest on the White House Ellipse ahead of Sunday’s fight on the South Lawn, Saturday, June 13, 2026, in Washington. (AP Photo/Allison Robbert)

16 of 30 |

Kai Trump arrives before the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

17 of 30 |

Diego Lopes participates in the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

18 of 30 |

UFC commentator Joe Rogan during the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

19 of 30 |

Ilia Topuria, center, during the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

20 of 30 |

People arrive before the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

21 of 30 |

Motorsports athletes and stunt performers do a motorcycle jump ahead of the UFC Freedom 250 fights on the South Lawn of the White House, Saturday, June 13, 2026, in Washington. (AP Photo/Alex Brandon, Pool)

22 of 30 |

Isaiah Francisco and Eric Albarracin at the UFC Fan Fest on the White House Ellipse ahead of Sunday’s fight on the South Lawn, Saturday, June 13, 2026, in Washington. (AP Photo/Allison Robbert)

23 of 30 |

UFC bantamweight fighters Sean O’Malley and Aiemann Zahabi face off during a UFC news conference at the Lincoln Memorial, ahead of Sunday’s fight on the South Lawn of the White House, Friday, June 12, 2026, in Washington. (AP Photo/Allison Robbert)

24 of 30 |

A UFC fan participates in the UFC striking challenge before the ceremonial UFC Freedom 250 weigh-ins on the Ellipse, Saturday, June 13, 2026, in Washington, ahead of Sunday’s fight on the South Lawn of the White House. (AP Photo/Julia Demaree Nikhinson)

25 of 30 |

The UFC Fan Fest on the White House Ellipse ahead of Sunday’s fight on the South Lawn, Saturday, June 13, 2026, in Washington. (AP Photo/Allison Robbert)

26 of 30 |

The UFC holds a news conference at the Lincoln Memorial, ahead of Sunday’s fight on the South Lawn of the White House, Friday, June 12, 2026, in Washington. (AP Photo/Allison Robbert)

27 of 30 |

UFC fighter Alex Pereira holds his UFC belts at a UFC news conference at the Lincoln Memorial, ahead of Sunday’s fight on the South Lawn of the White House, Friday, June 12, 2026, in Washington. (AP Photo/Allison Robbert)

28 of 30 |

UFC bantamweight fighter Sean O’Malley enters a UFC news conference at the Lincoln Memorial, ahead of Sunday’s fight on the South Lawn of the White House, Friday, June 12, 2026, in Washington. (AP Photo/Allison Robbert)

29 of 30 |

The UFC Fan Fest on the White House Ellipse ahead of Sunday’s fight on the South Lawn, Saturday, June 13, 2026, in Washington. (AP Photo/Allison Robbert)

30 of 30 |

Audience members cheer and boo during a UFC news conference at the Lincoln Memorial, ahead of Sunday’s fight on the South Lawn of the White House, Friday, June 12, 2026, in Washington. (AP Photo/Allison Robbert)

Why this photo works

The White House is surely one of the most recognizable buildings in the world. The columns of the South Portico, the fighter standing with arms and legs spread wide in celebration, and the octagon padding of the UFC ring tell an entire story as your eyes move from top to bottom of the frame. With Lopes standing with his back to the camera, facing the White House, it becomes less a photo of him and more about the evening, the event, and the spectacle. It was fortunate that it was after nightfall, so things that might have been distracting, like the Marine Band and spectators seated behind the ring, are mostly in the dark. Only the key elements – the White House, Lopes, and the ring are lit up.

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For more extraordinary AP photography, click here.