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Continuing its adherence to the tech industrys motto of move fast and break things, the current administration has recently put the U.S. Department of Education (DoE) on the chopping block. This 46-year-old institution (yes, it really is younger than the original Star Wars) oversees federal education policy, ensures equal access to education, and administers the federal student loan program. As a recovering high school English teacher, I would argue that all of the DoEs responsibilities are vital to our nation and shouldnt be part of the Taxes Chainsaw Massacre. And Im glad our executive branch cannot dismantle the Department of Education without Congressional approval. But that doesnt change the fact that the Secretary of Education has slashed the DoE workforce, and the president has floated the idea of moving student loan responsibilities to a different department, like the Small Business Administration (SBA). So, where does the proposed dismantling of the Department of Education leave federal student loan borrowers? Borrowers are subject to the legal loan contracts they signed with the DoE. This means the potential chaos could cause some localized chaos in the vicinity of your bank account. To help borrowers understand what to expect and how to protect themselves while the dust settles around the DoE, I spoke to student loan experts Kat Tretina and Mark Kantrowitz. Heres what you need to know. The SBA probably wont take over your student loans Although the president has been treating all government agencies as if they can be changed on a whim, it isn’t that simple. If you remember your more obscure Schoolhouse Rock songs, youll recall that we have a three-ring government and no one part can be more powerful than any other is. In this situation, “changing the location of the current federal student loan program, creating a new program, or even resurrecting an old guaranteed loan program, would require an act of Congress, Kantrowitz says. Thats because the Higher Education Act of 1965 mandates that all federal student aid programs are located and managed by Federal Student Aid (FSA), Kantrowitz says. It’s right there in the statute. They can’t really interpret the law as the secretary of Education can delegate the authority to the Small Business Administration. If the current administration decides to try it anyway, they would have to flout the law and face lawsuits to dismantle the DoE and move your student loans to another agency. This may be cold comfort, considering how little lawsuits seem to phase the president. But Kantrowitz offers some logistical comfort, as well: “Keep in mind that the SBA is cutting something like 43% of its staff, he says. So, how are they gonna do all this new federal loan stuff with fewer staff? Let alone what they currently do? It’s a recipe for chaos. You may struggle to get personalized answers about your loans Even though your loans are likely to stay right where they are, you may still experience some turbulence during repayment. Specifically, the DoE layoffs means the department has lost years of institutional knowledge as well as the necessary labor force to maintain the FSA website and provide call center support. These mass firings may affect borrowers sooner rather than later. Tretina, who has been reporting on student loans for nine years, stated on March 12, 2025, that all of my contacts with the Department of Education were laid off, and getting a hold of anyone for information about the latest changes is near impossible. Kantrowitz does offer a recommendation for how current borrowers can get the answers they need in the wake of this DoE reduction in force: Make friends with your student loan servicer. Federal student loans are serviced by contractor organizations that manage loan repayment. While the DoE owns your federal student loan, a separate loan servicer is the organization you deal with directly when making payments, requesting forbearance or deferment, or changing your repayment plan. Loan servicers have to keep up-to-date with DoE changes and can typically answer questions about your specific loan situation. But there are other calls you can make if youre confused about your loans and cant reach the DoE. Your college financial aid administrator is a good source of information, Kantrowitz says. Even if youve already graduated and you are repaying your loans, they can still provide you with useful information. This is also true for any borrowers who are repaying loans but didnt finish their degree. Get organized to keep the chaos at bay Any changes to federal student loans will only affect new borrowers. Current borrowers can count on their loan agreements remaining the same as they were when they signed them. But very few of us can recite the specifics of the loan agreements they signed in collegewhich is why you should protect yourself by hunting down those documents and keeping them handy. To be clear, it is exceedingly unlikely that the U.S. government will start playing a shell game with your current federal student loan. Locating, downloading, and printing out your loan agreement is a way to protect yourself from misinformation or misunderstandings about your loan. Heres how: If you have your documents available, they can provide you with a starting point for understanding how a proposed change might affect you. If you dont have your loan agreement and an understanding of your borrower rights and responsibilities, its a lot easier to panic if you hear a rumor that the WWE is now in charge of the DoE. That said, Tretina also recommends keeping hard copies of your payments, just in case. If you have student loans, download all of your statements, particularly records of past payments, she says. Having these records will ensure you get credit for all of your payments, even if the overworked remaining DoE employees make an oopsie or experience an IT glitch. Be the order you want to see in the world Its easy to feel overwhelmed by the chaotic news cycle, especially when it starts affecting things that were already overwhelming, lke student loans. In addition to breathing into a paper bag, you can help calm your concerns by remembering that moving your student loans to another agency would require an Act of Congress. While the recent staff cuts at the DoE may make it difficult to get personalized answers about your loans, you can always reach out to your loan servicer or your alma maters financial aid office for assistance. And downloading and printing copies of your loan agreement and statements will help protect you from both misinformation and potential mistakes.
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E-Commerce
Few apps are as inextricably linked to the iPhone as Apple’s Messages. Introduced with the original iPhone almost 18 years ago, the app (then called “Text”) has become the primary messenger for most iPhone users worldwide. It allows users to receive Apples proprietary iMessages, as well as RCS messages and old-school SMS messages. In recent years, Apple has introduced several new features to the Messages app and its iMessage protocol. Most recently, in iOS 18, the company allowed users to stylize text by bolding or underlining words, incorporated animated effects that make words shake or appear to explode, and enabled users to react to a message with any emoji. But while the above additions are nice, theyre mainly eye candyand that only gets a messaging app so far. When it comes to being truly useful, Apples Messages still lacks some basic functionalityand reliabilityother messaging apps like WhatsApp and Signal have had for years. Apple is expected to preview the iPhones next operating system, iOS 19, at its annual Worldwide Developers Conference (WWDC) on June 9. Heres hoping the company adds the following improvements currently sorrowfully lacking in Messages today. iMessage needs to work when traveling internationally Apple needs to address how its iMessages work when a user is traveling internationally and using a temporary travel SIMas anyone who has tried to text a friend who is traveling overseas, or who has traveled internationally themselves, knows too well. If an iPhone user removes their domestic SIM card and replaces it with a temporary travel SIM, they often will not receive messages sent to the iMessage account associated with that phone number. Instead, the messages will, more often than not, simply disappear into the ether, never to be received againeven after the domestic SIM card is reinstalled. It may be natural to think that, of course, a person wont receive a text if they dont have the SIM card with the phone number the text was sent to installed in their phone. But thats not how iMessages work. When you send an iMessage, you’re not actually texting the users phone number. Instead, youre using their phone number as a routing identifier to deliver a message to the associated iMessage account. This is why your Mac and iPad can receive and send messages to and from your phone number-linked iMessage account. In other words, it shouldnt matter that the users normal SIM card isnt in their iPhonethey should still be able to receive the iMessages. This is how it works with competing apps like WhatsApp and Signal, which also use phone numbers as routing identifiers. Indeed, whenever a friend travels internationally, and I dont get a response to an iMessage Ive sent, I follow up via Signal or WhatsApp. They immediately receive those messages despite not having their domestic SIM card installed. I reached out to Apple about why iMessages dont work in a similar matter, and the company told me that it was a security measure. Apple says that the measure triggers when an iPhone is without its domestic SIM cards for a few weeks, until which time users can still receive iMessages sent to their usual phone number. However, in my experience, this two-week timeframe is not accurate, and as soon as a domestic SIM card is removed from the phone, iMessages sent to the number will not go through. Apple also says that users can keep getting iMessages with a travel SIM if they have their friends send the iMessage to their email address instead of their phone number. But this relies on everyone texting you knowing that you are traveling internationally and without your domestic SIM card. While I understand the security reason behind this problem, it would be great if it were accurate that it only kicks in after two weeks. Even better: Apple should give users the option to disable this security measure for a period of time that the user can designate whenever they switch from their default SIM to a travel one. Archiving would help reduce clutter But reliability isnt the only issue that Messages faces. For some reason, Apple still hasnt added a feature that allows users to archive chat threads. Archiving helps declutter your messaging app by letting you move chats with people you no longer or rarely interact withlike the plumber who fixed your sink last monthto a separate folder. This frees up screen space and allows you to keep your most important and active chats front and center. Archiving is a great intermediary option between keeping a chat thread forever or deleting it entirely. It has been a standard feature in nearly every major messaging app for years. Why Apples Messages still doesnt support such a basic feature in 2025 is beyond me. Bookmarking would offer quick access Speaking of basic featuresApples Messages lacks another one: the ability to bookmark individual messages. Other messaging apps, like WhatsApp, have allowed users to do this for a long time (WhatsApp calls this starring messages). Bookmarked messages are saved to a smart folder that the user can easily access inside the app in order to view their most important messages. This is a great way to quickly access an old message that you would otherwise have to scroll through lengthy threads to find again. There are many reasons to bookmark a message, ranging from the sentimental to the practical. An example of the latter might be when you want to quickly access important information someone had previously texted youlike the PIN code to a friends smart door lock so you can enter their house to feed the cats while they’re away. Labeling forwarded messages would eliminate confusion Even when iMessage does offer basic features that most other messaging apps offer, they are sometimes poorly implemented. The most glaring example of this is message forwarding, which allows you to easily forward a text one person sent you to another person. Other apps clearly indicate that a message is forwardedoften with an arrow or label in front of the forwarded message. But with Apples Messages, the forwarded message simply looks as though it was written by the person forwarding it. Case in point: The other day, I received a message from a friend that had a very uncharacteristic tone and subject matter. It confused me quite a bit. While I was reading it a second time, I received a follow-up message stating that the first one was from another individual, and my friend was simply forwarding it to me. Without that additional text message from my friend clarifying that the first message was forwarded, I wouldnt have known, because Apples Messages doesnt give any visual indication distinguishing a regular message from a forwarded one. Will Apple implement any of these changes in Messages in iOS 19? I hope so, but well just have to wait to see. Apple is expected to preview iOS 19 at WWDC25 in June.
Category:
E-Commerce
The benefits of taking time off from work are well-documented. In previous coverage, Fast Company has detailed how vacations stave off burnout, promote engagement, and may even help you be healthier. There are a number of ways to get more out of your vacation days, says time-off expert Jackie Swayze, founder of Maximizing My PTO, a website that helps people use a number of tips and tricks to plan unusual getaways. She says that one size does not fit all when it comes to paid time off. There’s so much more creativity to be had than the standard, you know, take one week off in the summer, she says. Here are some ways others have made their time off distinctly their own. Honor your personal priorities Sundie Leigh Jones, a software development engineer, says she makes the most of her PTO by focusing on her priorities. One of the ways she does so is to use time off for her birthday and her daughters. Im big on spending my free time building up my relationships, and I like to do that by traveling to people I love or with people I love, she says. Since her birthday typically falls around Labor Day and her daughters is during the summer, those are good times to take a day to celebrate, she says. And if they fall adjacent to a weekend, thats an opportunity to make the celebration into a long weekend. Plan a speed getaway Swayze recommends checking your local airport’s flight schedules. There are likely direct flights that make getting to a particular destination convenient. That recipe for a quick trip may require little to no time off. For example, she recently flew to Ireland for St. Patricks Day. While some might balk at flying several hours to a destination for such a quick trip, she says that changing your thinking about doing short trips can open up new opportunities for adventure. There’s never enough time in a place ever. I’d much rather go somewhere for just a couple of days than not ever go at all, she says. Combine your PTO with flexible work time Swayze says remote work opportunities can open up other ways to extend your PTO options. While her husbands job typically requires him to be in the office five days per week, he does have some flexibility to work remotely. When they found a great deal on a flight to Paris out of Detroit, they flew from Chicago to Detroit the night before. He worked out of the hotel the next day and then they boarded their flight to Europe. Once in Europe, working East Coast hours tends to mean getting the morning to explore and working from 3 to 11 p.m., she says. Play hard, then work hard. (Of course, its important to check that your employer allows work from anywhere and to also ensure that working in other states or countries wont create new tax obligations.) Work on your hobbies or side hustles Jones owns a number of income properties in other states, so shell schedule her PTO to be able to go tend to those properties, taking off a day or two on a given week to create a long weekend. She even planted an orchard during one of her breaks. Because her day job tends to make her sedentary, she says she relishes the opportunity to do physical labor when she takes time off. I took two weeks off, and we transformed a part of my property . . . [into] a small fruit orchard, she says. We worked 10 hours a day on the orchard. Then, on the off days, we explored the Pacific Northwest. While that may not sound restful, she says that she enjoys the trips and the chance to build her property portfolio. Plus, all that physical activity leaves her eager to get back to her desk job, she says. Be strategic about when you take time off Cornia Leslie is the public relations manager at email verification service ZeroBounce. While her company has an unlimited PTO policy, shes concerned about how much is too much. Still, she says she needs at least four to five days off to begin disconnecting from work, so she planned a long vacation last year, spending nearly a month in Europe. It was my first real vacation in seven years. I was able to fully relax and stop checking my email compulsively, she says. To prepare, she made plans for her tasks to be covered and wrote some content in advance.Leslie says that she actually felt more secure about taking vacation time when she had a set amount of PTO. I dont want to abuse this policy, so I try to plan ahead: Batch my time off, use it less often, but make it count, she says. Longer vacations are more restorative for me than scattering single days here and there.In addition to a longer-than-average vacation, it may also be possible to use your time off to plan a sabbatical to learn something new, travel, or work on a personal project. Swayze encourages people to think about being strategic and use the PTO that they are due. I plan trips pretty far in advance, so I’m looking at my whole year of PTO all at once, she says. By thinking through the time off you have available to you, as well as holidays and seasonal fluctuations in your work, you can create times for rest, experiences, and adventures throughout the year in the ways that best suit you.
Category:
E-Commerce
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