2025 U.S. Department of Education reduces workforce by 48%, impacting student loan processing, civil rights investigations, and federal education budget allocations amid office closures.

Education Cuts: Feds Devastate Future Students


Trump’s loan policies quadrupled payments for Black borrowers, exacerbating existing inequalities. Learn more about student debt, interest rates, and the impact on federal workers at African Elements.

Trump's Loan Trap Angers Black, Brown Families

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Trump’s education order dismantling the Dept. of Education sparks concern for Black students & equitable access. Legal challenges and funding cuts threaten vital programs.

Trump's Education Cuts: Black Students at Risk?

Buying a home is a significant financial commitment, and choosing the right home loan is crucial. As an experienced home loan broker in Canberra, we work closely with you to understand your goals and recommend the most suitable loan options. Whether you’re a first-time homebuyer or upgrading to a new property, our team ensures a seamless and stress-free mortgage journey.
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Several factors determine your credit scores. The three major credit authorities are Experian, Equifax, and TransUnion. Every time you apply for a loan or lease an apartment, these agencies note how you handle debt. If you pay your bills on time, this is good for your score! If not, your credit score will go down.

If you have a bad credit score, it can be hard to get approved for certain types of loans and credit cards. You might even wonder if it’s worth applying at all. However, there are some things you can do that will help raise your score and make it easier to apply for new credit in the future. You can’t control whether or not your score is affected by late payments or unpaid bills right now, but you can take steps to ensure they don’t happen in the future.

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As a homeowner with a mortgage, you may already be familiar with the concept of “refinancing.” Refinancing involves a
comprehensive evaluation of your current mortgage arrangement, potentially leading to a switch of lenders to better align with your evolving needs, preferences, and financial circumstances. This strategic maneuver aims to secure a more favorable interest rate, transition to a different loan type,
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This podcast discusses a First-Tier Tribunal Tax Chamber decision concerning an appeal by Gary Quillan against a tax assessment related to an overdrawn director's loan from his company, BOH Investments Limited, which entered voluntary winding up. The core issue was whether the outstanding loan balance was either legally released or written off by the liquidator during the 2018-19 tax year, triggering an income tax charge under Section 415 of the Income Tax (Trading and Other Income) Act 2005. The Tribunal heard arguments from Mr. Quillan, representing himself, and a litigator from HM Revenue and Customs. Ultimately, the Tribunal found that the loan was neither formally released nor definitively written off by the liquidator, and consequently allowed Mr. Quillan's appeal, concluding there was no basis for the tax assessment.

Gary Quillan v HMRC [2025] UKFTT 421 (TC)

Details on the 2025 federal student loan wage garnishment restart via the Treasury Offset Program, collection dates, and repayment options for defaulted debt.

Alarming Student Loan Wage Garnishment 2025 Protect Now

Prevent foreclosure with mortgage relief & loan modifications focused on income, combating predatory lending & systemic barriers for Black founders.

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