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The College Investor

@thecollegeinvestor.com
235 followers 130 following 1.8K posts

The intersection of money and education, from saving and paying for college, to financial aid, student loans, and other personal finance topics.

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The College Investor @thecollegeinvestor.com · 8h
New college added to the Tuition-Free College List: Middlebury College.
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These Colleges Quietly Made Tuition Free — Is Yours on the List?
Which universities now offer free tuition to low- and middle-income students? Read our breakdown of eligibility and schools participating.
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The College Investor @thecollegeinvestor.com · 12h
Gallup: just 31% of Americans now say college is "very important," down from 70% in 2013. The share saying "not too important" climbed from 6% to 29%. Only 12% call a four-year degree affordable.
thecollegeinvestor.com
Only 31% Of Americans Now Say College Is "Very Important," Down From 70% In 2013
Gallup: just 31% of Americans now say college is "very important," down from 70% in 2013, as 29% call it "not too important" amid cost concerns.
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The College Investor @thecollegeinvestor.com · 12h
If you're filling out the FAFSA this weekend, our free guide is fully updated for the 2027-28 FAFSA:
thecollegeinvestor.com
How To Fill Out The FAFSA For 2027-28
Need money to pay for college? Find out how to fill out a FAFSA step-by-step for 2027-28 and why it matters for financial aid.
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The College Investor @thecollegeinvestor.com · 13h
The average SAT score rose 16 points to 1,045 for the class of 2026, per the College Board. Reading and Writing (528) is back to pre-pandemic levels. Math (517) still trails 2020's 523. #SAT #HigherEd #CollegeAdmissions
thecollegeinvestor.com
Average SAT Score Jumps 16 Points To 1045 For The Class Of 2026, College Board Says
The College Board says the class of 2026 averaged 1045 on the SAT, up 16 points, with gains in Reading and Writing and Math as the SAT marks 100 years.
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The College Investor @thecollegeinvestor.com · 02/10/2026
The $5,500 freshman student loan limit has been in place since 2008. The 2026 change was a new Parent PLUS cap: $20,000 a year, $65,000 per student. A family can still borrow $92,000 over four years.
thecollegeinvestor.com
The $5,500 Student Loan Limit Isn't New. It's Been Frozen Since 2008
Dependent undergrads can borrow $5,500 their first year, a limit unchanged since 2008. Here's what the caps cover, what changed in 2026, and how much to borrow.
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The College Investor @thecollegeinvestor.com · 02/10/2026
September jobs report: +29,000 jobs, 4.2% unemployment, and July revised from +21,000 to −10,000. Since Oct. 2024, 15 of 22 months were revised lower, a net 661,000 jobs. Here's why. #jobsreport #economy
thecollegeinvestor.com
Unemployment Rate Hits 4.2% In September As Job Growth Slows To 29,000
September jobs report: employers added 29,000 jobs, unemployment hit 4.2%, and BLS cut 60,000 from July and August. Why revisions keep going down.
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The College Investor @thecollegeinvestor.com · 02/10/2026
Student loans can impact your taxes in multiple ways. Here's what to know this year:
thecollegeinvestor.com
How Student Loans Affect Your Taxes: The Interest Deduction, Forgiveness, And Refund Offsets In 2026
Student loans aren't income, interest is deductible up to $2,500, forgiveness can be taxable, and default can cost you your refund. Here's how each rule works for the 2026 tax year.
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The College Investor @thecollegeinvestor.com · 02/10/2026
The Education Department's official student loan default rate is 0.4%. The number of borrowers in default is 9.3 million. Both are accurate, and the difference is a measurement window that the pandemic pause covered almost entirely. #studentloans #highered thecollegeinvestor.com/89762/studen...
thecollegeinvestor.com
Cohort Default Rate Hits 0.4% For FY 2023, First Rise Since 2019 As Pandemic Protections Expire
The FY 2023 cohort default rate is 0.4%, but 9.3 million borrowers are in default. Here's how the CDR works and why the Education Department says to ignore it.
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The College Investor @thecollegeinvestor.com · 01/10/2026
Treasury released the rules for the $1,700 Education Freedom Tax Credit. Joint filers can claim $3,400, donors can give across state lines, and 30 states have opted in ahead of the January 1, 2027 launch. #SchoolChoice #TaxCredit
thecollegeinvestor.com
Trump Administration Launches First Federal School Choice Program With New IRS Rules
Treasury and the IRS released proposed rules for the $1,700 Education Freedom Tax Credit launching January 1, 2027. Joint filers get $3,400.
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The College Investor @thecollegeinvestor.com · 01/10/2026
A $100,000 trust fund in a student's name can cost up to $20,000 a year in FAFSA aid eligibility. Access restrictions don't exempt it. Mark Kantrowitz on which trusts count, who reports them, and the court-order exception. #FAFSA #FinancialAid #TrustFund
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Trust Funds And Financial Aid: Rules On Revocable, Irrevocable And Court-Ordered Trusts For FAFSA and CSS Profile
Trusts count as assets on the FAFSA and CSS Profile, even when the beneficiary can't access the money. Here's who reports it, which trusts are exempt, and what it costs in aid.
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The College Investor @thecollegeinvestor.com · 01/10/2026
Taxes are back on certain types of loan forgiveness.
thecollegeinvestor.com
Is Student Loan Forgiveness Taxable In 2026? What The IRS Counts As Income (And What Stays Tax-Free)
Understand when forgiven student loans are taxable, which programs remain exempt, and how to prepare for potential tax liability in 2026.
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The College Investor @thecollegeinvestor.com · 01/10/2026
Treasury will auto-open a Trump account for every child under 18 with an SSN starting October 1, after fewer than 8% of eligible families signed up on their own. The $1,000 federal deposit still requires a parent to file Form 4547. Details: #TrumpAccounts #PersonalFinance
thecollegeinvestor.com
Treasury Will Auto-Open Trump Accounts For 68 Million Kids Starting October 1 (But The $1,000 Still Requires A Form)
Treasury will auto-open Trump accounts for every eligible child starting October 1, adding 60 million-plus accounts. The $1,000 seed still needs Form 4547.
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The College Investor @thecollegeinvestor.com · 30/09/2026
Federal borrowers in default can now apply online to rehabilitate or consolidate their loans through the new Defaulted Loans Support Center on StudentAid. It replaces a phone-and-mail process that has run for decades. What changed and what didn't: #StudentLoans #HigherEd
thecollegeinvestor.com
Education Department Launches Online Portal To Get Student Loans Out Of Default
ED and Treasury launched the Defaulted Loans Support Center on StudentAid.gov, letting borrowers apply online to rehabilitate or consolidate defaulted loans.
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The College Investor @thecollegeinvestor.com · 30/09/2026
Only about six in 10 college students earn a degree within six years, per The Hechinger Report. The traditional full-time student living on one campus for four uninterrupted years is now the minority as more working adults, parents, veterans and disabled students enroll.
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The College Investor @thecollegeinvestor.com · 29/09/2026
Even as the Fed has raised rates, Ascent student loans is keeping their low fixed rate below 2%.
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Today's Best Student Loan Rates for September 29, 2026: Ascent Leads at 1.94%
Compare today’s student loan rates and see which lenders offer the lowest APRs for September 2026.
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The College Investor @thecollegeinvestor.com · 29/09/2026
The Department of Education extended the 1% student loan auto pay discount deadline to December 31, 2026. Nearly 2 million borrowers have enrolled. Who qualifies, what it saves, and the catch for defaulted borrowers: #StudentLoans #PersonalFinance
thecollegeinvestor.com
Education Department Extends 1% Student Loan Auto Pay Discount Deadline To December 31
The Department of Education extended the 1% student loan auto pay discount deadline to December 31, 2026, with nearly 2 million borrowers enrolled.
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The College Investor @thecollegeinvestor.com · 29/09/2026
The Senate passed the Protect College Sports Act 77-22. Schools could pay athletes close to $50M a year, agents would be capped at 5%, and NIL income would keep the same tax and FAFSA treatment. #NIL #CollegeSports
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Protect College Sports Act Passes Senate 77-22: What It Means For NIL Money
The Senate passed the Protect College Sports Act 77-22. Here's what it changes for NIL pay, agents, transfers, and families footing the bill.
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The College Investor @thecollegeinvestor.com · 28/09/2026
New federal earnings test: 31.4% of undergrad certificate students are in programs projected to lose Direct Loan access, vs. 0.8% for bachelor's. #StudentLoans #HigherEd
thecollegeinvestor.com
Education Department Will Cut Federal Loans to College Programs Whose Graduates Don't Out-Earn High School Grads
A new earnings test could block colleges from receiving federal loans when program graduates don't out-earn high school grads. Here's what students should know.
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The College Investor @thecollegeinvestor.com · 28/09/2026
The best savings rates are now up to 4.25% APY. thecollegeinvestor.com/89432/best-h...
thecollegeinvestor.com
Today's Best Savings Rates for September 28, 2026: NexBank Leads at 4.25%
Compare today’s top high-yield savings accounts — best APYs, fees, and FDIC-insured options, updated September 28, 2026.
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The College Investor @thecollegeinvestor.com · 28/09/2026
Seven states make the FAFSA (or a signed opt-out) a condition of getting a high school diploma, three more track it, and three repealed their rules. Here's every state and what the research says about whether it worked. #FAFSA #FinancialAid #HigherEd
thecollegeinvestor.com
States That Require The FAFSA To Graduate High School (2026 Update)
Seven states require the FAFSA or an opt-out form to earn a diploma, and three more track it. See every state's rules, the repeals, and whether it worked.
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The College Investor @thecollegeinvestor.com · 28/09/2026
The IRS draft 2026 Form 1040 asks filers, for the first time, whether they're citizens or authorized to work. It's tied to a Treasury rule that would cut refundable credits for up to 700,000 filers. thecollegeinvestor.com/89354/irs-ad...
thecollegeinvestor.com
IRS Draft 2026 Form 1040 Adds First-Ever Citizenship Question Tied To Tax Credit Limits
The IRS draft 2026 Form 1040 asks filers if they are citizens or authorized to work, tied to a Treasury rule limiting refundable EITC and child tax credits.
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The College Investor @thecollegeinvestor.com · 27/09/2026
Sen. Jeff Merkley's Homeownership Promise Act would match first-time buyers' down payment savings 5-to-1, up to $50,000 from HUD. Median first-time buyer age: 40.
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New Senate Bill Would Give First-Time Homebuyers $5 For Every $1 They Save
Sen. Jeff Merkley's Homeownership Promise Act would match first-time homebuyers' down payment savings $5 for $1, up to $50,000 in federal HUD grants.
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The College Investor @thecollegeinvestor.com · 26/09/2026
Cornell's new future-of-college report calls the high sticker price, high aid model "opaque by design" and wants families to know their cost when they apply. #HigherEd #CollegeCost
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Cornell Says College Pricing Is 'Opaque By Design' And Wants Families To Know Their Cost When They Apply
Cornell's 238-page Future of the American University report targets AI, admissions, and opaque tuition pricing. Here are its four biggest recommendations.
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The College Investor @thecollegeinvestor.com · 26/09/2026
Santa Clara University expanded its California Promise to families earning $150,000 or less. Starting fall 2027, aid covers tuition, fees, and room and board after the expected family contribution. Transfers now qualify for $35,000+. #FinancialAid #HigherEd
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Santa Clara University Expands Full-Need Financial Aid To California Families Earning $150,000
Santa Clara University will cover tuition, fees, and housing after family contribution for California families earning $150,000 or less from fall 2027.
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The College Investor @thecollegeinvestor.com · 25/09/2026
The Education Department received more than 5,500 comments on a proposal that would let the secretary cancel federal grants “for convenience,” per Inside Higher Ed. The rule could also favor applicants with lower indirect costs and expand federal control over grantmaking.
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The College Investor @thecollegeinvestor.com · 25/09/2026
There is no income limit on the FAFSA. You're thinking of Pell Grants, which are one program inside it. Unsubsidized federal loans have no income test, and some states require the form to graduate high school. The 2027-28 version opened early. #fafsa
thecollegeinvestor.com
We Make Too Much For Financial Aid. Should We Still File The FAFSA?
Think you make too much for financial aid? The FAFSA has no income cutoff, the 2027-28 form opened early, and your state may require it to graduate.
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The College Investor @thecollegeinvestor.com · 25/09/2026
EBRI: student loan borrowers in their 40s hold ~45% less in their 401(k) than peers without student debt. 61% contribute under 6% of pay and forfeit match money. #StudentLoans #401k
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Student Loan Borrowers In Their 40s Have 45% Smaller 401(k) Balances, EBRI Finds
EBRI finds student loan borrowers in their 40s have median 401(k) balances 45% lower than non-borrowers, and a universal loan match could add $11.2B a year.
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The College Investor @thecollegeinvestor.com · 24/09/2026
A new class action says the Education Department still reports $4.6B in cancelled student loans as owed, affecting 300,000+ borrowers from closed for-profit schools. It leans on a 2024 Supreme Court ruling letting borrowers sue agencies under FCRA. #studentloans #credit
thecollegeinvestor.com
New Lawsuit Says Education Department Still Reporting $4.6 Billion In Cancelled Student Loans On Credit Reports
A new class action says the Education Department still reports $4.6 billion in cancelled student loans to credit bureaus, hurting 300,000+ borrowers.
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The College Investor @thecollegeinvestor.com · 24/09/2026
Arne Duncan, John King Jr., and Miguel Cardona asked the Education Department's inspector general to investigate the cost of the 2025 layoffs, including 12 lawsuits and rehiring for near-identical jobs. #highered #studentloans
thecollegeinvestor.com
Three Former Education Secretaries Demand Probe Into Cost of 1,400 Department of Education Layoff Notices
Arne Duncan, John King Jr., Miguel Cardona and AFGE Local 252 asked the Education Department inspector general to investigate the cost of 2025 layoffs.
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The College Investor @thecollegeinvestor.com · 24/09/2026
Even with the Fed raising rates, student loan refinance rates have been holding steady: #studentloans
thecollegeinvestor.com
Best Student Loan Refi Rates September 24, 2026: Credible Leads at 3.65%
Compare today’s student loan refinance rates and see which lenders offer the lowest APRs for September 2026.
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The College Investor @thecollegeinvestor.com · 24/09/2026
80+ federal student loan forgiveness programs, sorted by what actually cancels debt in 2026: PSLF ($87.6B forgiven so far), IDR forgiveness (now taxable), disability and school discharges, then career, military, state, and employer programs with current amounts. #studentloans #PSLF
thecollegeinvestor.com
Every Student Loan Forgiveness Program Still Standing After the July 2026 Overhaul And How To Apply
Every federal student loan forgiveness program that works in 2026: PSLF, buyback, IBR and RAP forgiveness, disability discharge, career and state programs, and what changed July 1.
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The College Investor @thecollegeinvestor.com · 23/09/2026
The 2027-28 FAFSA is now open to all students, beating the Oct. 1 deadline for the second year in a row. New this year: pre-filled answers for returning students, and small family businesses no longer count as assets. #FAFSA #FinancialAid #HigherEd
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The 2027-28 FAFSA Is Now Open To Everyone, A Week Before The Oct. 1 Deadline
The 2027-28 FAFSA is now open to all students ahead of the Oct. 1 deadline. See what changed, which tax year it uses, and why filing early means more aid.
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The College Investor @thecollegeinvestor.com · 23/09/2026
New FSA data: 9.3M federal student loan borrowers are in default, owing $234B. Compared with 2019, defaulted loans went from 12.5% to about 14% of federal student debt, while late payments rose faster. #StudentLoans #HigherEd
thecollegeinvestor.com
Student Loan Defaults Hit 9.3 Million As 1.5 Million More Borrowers Near Default, FSA Data Shows
Federal student loan defaults hit 9.3 million with $234 billion owed, new FSA data shows, while IDR balances rose from $740 billion to $792 billion in a year.
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The College Investor @thecollegeinvestor.com · 23/09/2026
Legacy admissions fell from 49% of four-year colleges in 2015 to 24% in 2025, but 56% of the most selective still use it. What colleges weigh for 2026-27: #CollegeAdmissions #HigherEd
thecollegeinvestor.com
What Colleges Look For In 2026-27: Test Scores Are Back And Legacy Is Fading
Grades and rigor still come first, and test scores are back at every Ivy. Here are the 7 less obvious factors colleges weigh for 2026-27, from legacy and early decision to ability to pay, and how to c...
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The College Investor @thecollegeinvestor.com · 22/09/2026
89 groups, including the AFL-CIO, AFT, and NAACP, asked Congress for an emergency hearing on student loan servicing errors: wrong bills, false past-due notices, and lost PSLF credit. #StudentLoans #PSLF
thecollegeinvestor.com
89 Groups Ask Congress For Emergency Hearing On Student Loan Servicing Errors
89 groups, including the AFL-CIO and AFT, urge Congress to hold an emergency hearing on student loan servicing errors, PSLF losses, and SAVE confusion.
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The College Investor @thecollegeinvestor.com · 22/09/2026
Despite the Fed raising rates, student loan rates are still holding steady, with Ascent offering a 1.94% APR student loan:
thecollegeinvestor.com
Today's Best Student Loan Rates for September 22, 2026: Ascent Leads at 1.94%
Compare today’s student loan rates and see which lenders offer the lowest APRs for September 2026.
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The College Investor @thecollegeinvestor.com · 22/09/2026
The FAFSA skips asset questions for three groups: parents with AGI under $60,000 and a simple return, families with a federal benefit (Medicaid, SNAP, school lunch) in 2025 or 2026, and max Pell students. Skipped screens are not an error. #FAFSA #FinancialAid
thecollegeinvestor.com
Why Didn't I Have To Answer The FAFSA Asset Questions?
The FAFSA skips asset questions for families under $60,000 in income, families that received certain federal benefits, and maximum Pell Grant students. Here are the rules.
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The College Investor @thecollegeinvestor.com · 22/09/2026
Reps. Foster and Fitzpatrick introduced a bill that would count SAVE forbearance months toward PSLF automatically and count the first 60 payments on any repayment plan. What it does and what it leaves out: #PSLF #StudentLoans #SAVEPlan
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New PSLF Inclusion Act Would Count SAVE Forbearance Months Toward Forgiveness With No Buyback Required
The PSLF Inclusion Act of 2026 would count SAVE forbearance months and the first 60 payments on any plan toward PSLF, with no buyback required.
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The College Investor @thecollegeinvestor.com · 21/09/2026
Starting in 2028, California community college districts can add 2 to 12 new bachelor's programs, based on three-year completion and transfer rates. #HigherEd #California #CommunityCollege
thecollegeinvestor.com
Newsom Signs Laws Letting California Community Colleges Add Up To 12 Bachelor's Degrees
Newsom signed SB 960 and AB 2694, letting California community colleges add 2 to 12 bachelor's degrees per district based on completion and transfer rates.
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The College Investor @thecollegeinvestor.com · 21/09/2026
Best high-yield savings rates have held steady, but we are starting to see some large banks increase their rates in the wake of the Fed meeting last week. #savings
thecollegeinvestor.com
Today's Best Savings Rates for September 21, 2026: NexBank Leads at 4.15%
Compare today’s top high-yield savings accounts — best APYs, fees, and FDIC-insured options, updated September 21, 2026.
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The College Investor @thecollegeinvestor.com · 21/09/2026
Trump Accounts are a student asset on the FAFSA, assessed at 20%. A parent-owned 529 is assessed at 5.64%. On a $25,000 balance, that's $5,000 vs. $1,410 in lost aid per year. Here's the full comparison with 529s and UGMAs. #FAFSA #TrumpAccounts #CollegeSavings
thecollegeinvestor.com
Trump Accounts Count As A Student Asset On The FAFSA
Trump Accounts are a student asset on the FAFSA, assessed at 20% like a UGMA. Here's how that compares to a 529 plan and what it costs in aid.
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The College Investor @thecollegeinvestor.com · 20/09/2026
Fitch downgraded Xavier University to BBB+ from A-, Outlook Negative. Deficits and an enrollment drop to 4,358 drove it, despite a 33% freshman rebound and record fundraising. Still investment grade. #HigherEd #CollegeFinances
thecollegeinvestor.com
Fitch Downgrades Xavier University to BBB+ as Deficits Mount and Enrollment Falls to 4,358
Fitch cut Xavier University to BBB+ with a Negative Outlook, citing deficits and enrollment declines. Here's what it means for students and families.
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The College Investor @thecollegeinvestor.com · 20/09/2026
Class of 2025: 73.9% of grads from low-poverty high schools went straight to college vs. 51.2% from high-poverty schools, per new National Student Clearinghouse data. #HigherEd #CollegeAccess
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51% of High-Poverty High School Grads Go Straight to College vs. 74% at Wealthier Schools: National Student Clearinghouse
National Student Clearinghouse data shows 51.2% of high-poverty high school grads enroll in college right away, vs. 73.9% at low-poverty schools.
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The College Investor @thecollegeinvestor.com · 19/09/2026
Student loan forgiveness became federally taxable again on January 1. A $148,000 IDR discharge on a $58,000 income carries about $33,400 in tax — unless the insolvency exclusion applies, which for most borrowers it does. #StudentLoans #TaxBomb
thecollegeinvestor.com
My Student Loans Are Finally Being Forgiven. Could I Owe Taxes On Them?
A reader is going to get their student loans forgiven. Will they owe taxes on the amount? How does it work?
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The College Investor @thecollegeinvestor.com · 17/09/2026
A federal judge blocked the DHS rule capping student visas at four years, one day before it was set to start. The court found the national security case "borders on the absurd." Duration of status stays in place. #HigherEd #Immigration
thecollegeinvestor.com
Judge Blocks DHS Four-Year Student Visa Cap One Day Before It Started
A federal judge blocked the DHS four-year cap on F, J and I student visas nationwide, ruling the security case violated the APA. What happens next.
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The College Investor @thecollegeinvestor.com · 16/09/2026
New York's Board of Regents voted to end the Regents exam graduation requirement. Class of 2028 is first. Nationally, 45% of 12th graders score below Basic in math — a record. Districts will write their own assessments instead. #Education #HigherEd
thecollegeinvestor.com
New York Drops Its Graduation Exam As 45% Of Seniors Fail Basic Math Skills Nationwide
New York's Board of Regents voted to end the Regents exam graduation requirement starting with the class of 2028. What it means for families and costs.
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The College Investor @thecollegeinvestor.com · 15/09/2026
The Justice Department has now sued all 25 states offering in-state tuition to undocumented students, after filing against Hawaii, Utah, Arkansas and DC. Six laws are already enjoined. The average resident/non-resident gap: $19,930 a year. thecollegeinvestor.com/88462/doj-su...
thecollegeinvestor.com
DOJ Sues Hawaii, Utah, Arkansas And D.C. Over In-State Tuition, Reaching 25 States
DOJ sued Hawaii, Utah, Arkansas and D.C. over in-state tuition for undocumented students, reaching 25 cases. Six state laws are already enjoined.
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The College Investor @thecollegeinvestor.com · 15/09/2026
Ten tax breaks for 2026 with the numbers: Saver's Credit up to $1,000 (AGI under $40,250 single / $80,500 joint), 0% capital gains to $98,900 joint, $500,000 home-sale exclusion, permanent 20% QBI deduction. #taxes
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10 Best Tax Breaks For 2026: Credits, Deductions, And Exclusions Most People Can Use
The best tax breaks for 2026, with the numbers: the Saver's Credit (its last year before the $1,000 Saver's Match), 0% capital gains up to $98,900 of taxable income, the $500,000 home-sale exclusion, ...
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The College Investor @thecollegeinvestor.com · 14/09/2026
DOJ and the Education Dept say Berkeley Law violated Title VI in its 2024 and 2025 admissions. The model behind the finding controlled for LSAT, GPA, and race — nothing else. Berkeley's dean disputes it. No court has ruled. #HigherEd #LawSchool thecollegeinvestor.com/88451/doj-an...
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DOJ And Education Department Find UC Berkeley Law Violated Title VI In Admissions
DOJ and the Education Department found UC Berkeley Law violated Title VI in admissions. Berkeley's dean disputes it. What it means for applicants.
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The College Investor @thecollegeinvestor.com · 14/09/2026
250+ colleges now run Loan Repayment Assistance Programs — graduate, earn under about $55,000, and the school reimburses your student loan payments up to $20,000 a year. Roughly 45,000 students are covered. Costs nothing to accept. #StudentLoans #HigherEd
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Some Colleges Will Help Repay Your Student Loans After Graduation. Here's How It Works
Loan Repayment Assistance Programs or LRAPS help repay your student loans after graduation. Here's how they work.
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