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College Is “Worth It” for Many—But There is More You Need to Know First

WRAL’s North Carolina story is a useful spark—but the real decision comes down to completion, cost, and what your field actually pays. A recent WRAL report said college “often pays” in North Carolina—citing Strada’s finding that more than two-thirds of in-state graduates see a positive 10-year return. That’s encouraging, and it aligns with national data. …

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The Comprehensive Case Against “The Dave Ramsey Way Is The Only Way”

A Complete Guide to Critical Thinking About One-Size-Fits-All Debt Advice PART 1: WHAT WE’RE ACTUALLY CRITIQUING The Core Claims of the Ramsey Method Dave Ramsey’s “Baby Steps” system claims to be the definitive path out of debt: The Baby Steps: The Core Dogma: The Revenue Model: Total annual revenue: Estimated $200+ million Key observation: His …

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Why Bankruptcy Makes More Sense When You’re Older (and the Math Proves It)

Let’s talk about something almost nobody wants to admit out loud:Bankruptcy might actually make more sense the older you get. If that sounds backwards—good. Because we’re about to unpack why the advice most people hear (“you’re too old to ruin your credit”) is not just outdated, it’s financially dangerous. Here’s the truth: when you’re 45, …

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Startup Star to Inmate: The $175 Million Fraud That Landed Charlie Javice in Prison

If you’ve ever looked at a flashy startup and thought, “Wow, they’ve made it big overnight!”—this story is a gut check. Charlie Javice, once the celebrated CEO of Frank—a company that claimed to make applying for student aid easier—was just sentenced to 85 months in federal prison for orchestrating one of the boldest startup frauds …

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Andris Pukke, Repeat Fraudster Sentenced To Eight Years In Prison

United States Attorney for the Southern District of New York, Jay Clayton, announced that ANDRIS PUKKE, a/k/a “Marc Romeo,” a/k/a “Andy Storm,” was sentenced yesterday to eight years in prison by U.S. District Judge J. Paul Oetken for leading a years-long real estate scam in Belize called “Sanctuary Belize,” in which hundreds of victims—many of …

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When “Forever” Means “Not Forever” — What Publishers Clearing House Bankruptcy Means for Winners

Imagine believing you’ve won enough money to be set for life — only to have those payments suddenly stop. That’s exactly what’s happening to many winners of Publishers Clearing House (PCH) who had been promised lifetime payouts. What’s Going On Who This Impacts Financial Reality: What Winners Owe & What They’re Owed What This Means …

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Evil in the Name of Good: How Faith Was Weaponized to Drain Victims of Money They Didn’t Have

Federal prosecutors have unsealed indictments that read like the script of a nightmare — one where faith, fear, and guilt were turned into tools of control. At the center of the case are David Taylor, self-styled “Apostle” of the Kingdom of God Global Church (KOGGC), and Michelle Brannon, his close associate. Together, they are accused …

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Trapped by Design: The Student Loan Rewrite

You’re invited to speak. Just don’t expect anyone to listen. Let’s not sugarcoat this. The Trump administration has officially launched the student loan rulemaking process under the One Big Beautiful Bill (OBBB). And while the Department of Education is opening up the microphones and eComment boxes for your input, let’s be honest—this whole thing feels …

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PSLF Student Loans Go From Lifeline to Landmine – OMG!

You did everything right. You worked for a nonprofit. You made the payments. You followed every confusing instruction the government threw your way. But thanks to a new rule buried in the fine print of Executive Order 14235, you could lose Public Service Loan Forgiveness (PSLF) credit—retroactively—just because of where you work. Not what you …

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The Student Loan Forgiveness Tax Bomb Is About to Explode

You’ve played by the rules. Made your payments. Believed—after 10 or 20 long years—that final chunk of debt would vanish. Clean slate, right? Not so fast. Thanks to an expiring pandemic-era tax break and a new proposal from the Trump administration, millions of borrowers might be in for a surprise punch from Uncle Sam—and no …

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