Dr. Tracy Haney, Research Analyst/Business & Medical Journalist

Dr. Tracy Haney, Research Analyst/Business & Medical Journalist Graduate School Business Program Director | Accounting & Market Research Analyst | Management Analys

Because where we work, play and live are intertwined in individually unique
ways we are compelled to consider how the Lord Jesus Christ has uniquely
designed each of us to walk in a manner that reflects our gifts and talents. My hope is to provoke thought and conversation stemming from
relevant topics as related to faith, family and business as ministry (missions)
so all will be stimulated to discover creative avenues for fulfilling his/her calling.

The Trump administration last week revealed that nearly 50,000 applications for a key student loan forgiveness “buyback”...
05/21/2025

The Trump administration last week revealed that nearly 50,000 applications for a key student loan forgiveness “buyback” program remain stuck in bureaucratic limbo, with no resolution in sight. Some borrowers have been waiting nearly a year for a decision.

The new data was included in a Department of Education court-ordered status report filed as part of a broader legal challenge over the administration’s failure to process applications for income-driven repayment plans. The department had paused the entire IDR application system after a federal appeals court in February broadened an ongoing injunction that has blocked the SAVE plan, a Biden-era repayment program that reduced borrowers’ monthly payments and fast-tracked student loan forgiveness for some.

But while the department blamed the IDR application processing pause on the ongoing legal battles, no explanation has been offered for the widespread delays associated with PSLF Buyback applications. Here’s what might be going on.

How PSLF Buyback Can Lead To Student Loan Forgiveness
PSLF Buyback is a new program launched during the Biden administration to improve access to Public Service Loan Forgiveness, or PSLF. The PSLF program allows borrowers working for eligible nonprofit and government entities to receive student loan forgiveness after making 120 qualifying payments, the equivalent of 10 years. But most periods of deferment and forbearance do not count toward PSLF, even if the borrower is working in qualifying employment during the period.

PSLF Buyback is designed to give borrowers an opportunity to petition for non-qualifying deferment and forbearance periods to count toward student loan forgiveness. If approved, borrowers would make a lump sum payment equivalent to what the borrower would have paid under a qualifying repayment plan (typically an IDR plan), multiplied by the number of months being bought back. Borrowers would have 90 days to make the payment upon approval, and they would then receive student loan forgiveness.

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The program does have important eligibility rules and restrictions, however. PSLF Buyback is only available to borrowers who have at least 120 months of certified, qualifying employment. And the bought-back months (if approved) must get the borrower to the 120-month threshold for student loan forgiveness under the PSLF program. In addition, not all periods are eligible for PSLF Buyback.

“You can’t buy back months during which your loan was in any of the following statuses: In-school or In-origination, In-grace, Default, Bankruptcy, Total and permanent disability monitoring,” says Department of Education guidance on PSLF Buyback. In addition, “You can’t buy back any months on loans that are: not a Direct loan, in a paid-in-full status, in a forgiven status, in a discharged status, or included in a Direct Consolidation Loan.”
Department Of Education Reveals Large Student Loan Forgiveness Application Backlog For PSLF Buyback
In its court filing last week submitted on behalf of Secretary of Education Linda McMahon, the Department of Education confirmed that – notwithstanding the other restrictions on PSLF Buyback eligibility – most periods of deferment and forbearance are eligible to be counted toward student loan forgiveness through PSLF Buyback. These include hardship forbearances, cancer treatment forbearance, medical or dental residency forbearance, Department of Defense forbearance, AmeriCorps forbearance, general forbearance (including the SAVE plan forbearance), active military duty forbearance, PSLF processing forbearance, and certain other processing forbearances.

Notably, a bankruptcy forbearance is listed as a qualifying forbearance in the department’s court filing, but it is expressly listed as non-qualifying on the department’s PSLF Buyback website. The filing was also noteworthy in confirming that the SAVE plan forbearance is eligible for PSLF Buyback, as many borrowers stuck in that forbearance who are nearing student loan forgiveness eligibility under PSLF have applied for relief through PSLF Buyback.

But the department’s court filing also unveiled a massive backlog. Out of 50,790 PSLF Buyback applications, only 1,472 were processed as of April 30 (and it is unclear how many of those were approved or denied). That leaves 49,318 PSLF Buyback applications that remain “pending” as of April 30.

Why Student Loan Forgiveness May Be Stalled For PSLF Buyback
The same court filing also revealed a massive backlog of more than 1.9 million IDR applications that remain unprocessed. The Department of Education has argued that following the federal appeals court order in February that broadened the existing SAVE plan injunction, officials had no choice but to shut down the entire IDR application system to update application procedures to ensure compliance with the new court order, resulting in the present backlog.

But the department has offered no explanation for the PSLF Buyback backlog, which is effectively blocking student loan forgiveness for up to 50,000 borrowers (although it is unclear how many of those borrowers meet the criteria for approval under the program). PSLF itself is not facing any legal challenge, and the PSLF Buyback program is not blocked or enjoined by any court.

However, it is possible that the processing delays could also be related to the SAVE plan injunction. Assuming many of the pending PSLF Buyback applications are from borrowers who are stuck in the SAVE plan forbearance, the Department of Education may be having difficulty determining the buyback amount for these borrowers. If the department is unable to utilize the SAVE plan repayment formula in light of the ongoing court order blocking SAVE, there may be questions about how the PSLF buyback amount should be calculated. One potential option would be for officials to calculate the buyback amount using one of the other available IDR plans that are not blocked, such as Income-Based Repayment or Pay As You Earn. But to do that, the Department of Education may need updated income information from borrowers.

That shouldn’t be a problem, as requesting income information from borrowers applying for PSLF Buyback is supposed to be a normal part of the process in certain cases.

“If you were not in an IDR plan before or after the months you’re buying back, we’ll request tax information for that calendar year to determine the amount that you would have paid under an IDR plan,” says Department of Education guidance. “If your deferments or forbearances cross over multiple tax years, then we will need your tax information for each year.”

But it’s also possible that due to recent mass layoffs at the department, there simply isn’t sufficient staffing to efficiently process thousands upon thousands of case-specific applications for student loan forgiveness, particularly when additional information (such as updated income data) may be required.

What Borrowers Pursuing Student Loan Forgiveness Through PSLF Buyback Can Do
Borrowers stuck in the SAVE plan forbearance who have applied for student loan forgiveness through PSLF Buyback and are still waiting on a decision don’t necessarily have great options. But one possibility is to pursue a parallel track of switching to a different IDR plan so that they can resume making qualifying PSLF payments while their buyback application remains pending.

“Borrowers can apply to enroll in a different PSLF-eligible repayment plan,” says Department of Education guidance on the ongoing legal challenges. “We encourage borrowers to look at the specific terms of each plan to make the best choice for their individual situation. Different IDR plans may require different monthly payments and—in the case of the IBR Plan—borrowers who later leave them may face interest capitalization (where unpaid interest is added to the principal balance). However, payments made under these IDR plans will count toward forgiveness under IDR and PSLF.”

However, borrowers who apply to change to a different IDR plan will have to get in line behind the 1,985,726 pending IDR applications associated with that backlog. The bottom line is that given the ongoing processing delays across the board, many borrowers applying for student loan forgiveness through PSLF may be stuck in limbo for quite some time.

https://www.forbes.com/sites/adamminsky/2025/05/21/nearly-50000-student-loan-forgiveness-applications-are-pending-with-no-clear-end-point/?utm_source=ForbesMainFacebook&utm_medium=social&utm_campaign=socialflowForbesMainFB&fbclid=IwY2xjawKa59BleHRuA2FlbQIxMQBicmlkETFuZEMyZUc0UTlvd05KT0MzAR6XijWUE7KXJhy8ZlcGkdHGY5FMlHN0liU2KZysUA4TfTuDf0bzMDniYzektg_aem_cgUJRD859QRIKnNOglaKfA

The Trump administration revealed that nearly 50,000 applications for a student loan forgiveness “buyback” program remain stuck in limbo, with no resolution in sight.

A federal judge is ordering the Trump administration to dole out millions of dollars to multiple nonprofits groups, dete...
02/25/2025

A federal judge is ordering the Trump administration to dole out millions of dollars to multiple nonprofits groups, determining the Trump administration violated the terms of a temporary restraining order issued two weeks ago regarding freezing foreign aid.

Judge Amir Ali, a Biden-era appointee, excoriated Trump administration attorneys during a lengthy hearing on Tuesday over its failure to pay the groups for work they conducted prior to President Trump’s Jan. 20 executive order, which froze all foreign aid for 90 days. Ali also signed an order to enforce a temporary restraining order he signed on Feb. 13, ruling the groups must be paid by 11:59 p.m. Wednesday.

“Plaintiffs submitted evidence that defendants have not lifted the suspension or freeze of funds as the [temporary restraining order] required. Defendants have not rebutted that evidence, and when asked today, defendants were not able to provide any specific examples of unfreezing funds pursuant to the Court's TRO,” Judge Ali said after a two-hour hearing today.

MORE: 'Radical change': Inside Trump's State Department takeover of USAID
Lawyers with the Department of Justice acknowledged that the Trump administration ignored the temporary restraining order, which prohibited them from freezing foreign aid funds since the order was issued. Instead, they argued that they should not be required to pay back the money because of “sovereign immunity.”

During an extended exchange with Ali, a DOJ lawyer struggled to answer basic questions about the Trump administration’s compliance with the temporary restraining order, which prevented the administration from freezing funds.

“I'm not sure why I can't get a straight answer from you on this. Are you aware of an unfreezing of the disbursement of funds for those contracts and agreements that were frozen before February 13?” Ali asked. “Are you aware of steps taken to actually release those funds?"

“I’m not in a position to answer that,” DOJ attorney Indraneel Sur said.

MORE: 1st lawsuits targeting foreign aid freeze bemoan 'chaos' in Trump order
“We're 12 days in and you're here representing the government...and you can't answer me whether any funds that you've kind of acknowledged or covered by the court's order have been unfrozen?” Judge Ali responded.

“All I can do, really, is say that the preparations are underway for the joint status report on compliance,” Sur said.

At one portion of the lengthy court hearing, Sur attempted to offer a legal justification for the Trump administration's noncompliance, prompting a stern response from the judge about his order, the terms of which he said were “clear as day.”

“The purpose of this hearing is to understand and to hear arguments on the motion to enforce TRO. It is not an opportunity to re-litigate the TRO,” Ali said.

A lawyer representing the nonprofits who brought the case argued that the lack of a response from the Trump administration amounts to defiance of the court order.

“What the court's colloquy with the government has revealed is that the government has done nothing to make the flow of payments happen,” he said. “As far as we are aware, there's been zero directives from the agency with respect to the unfreezing of funds.”
https://abcnews.go.com/Politics/federal-judge-rules-trump-administration-pay-millions-foreign/story?utm_source=facebook&utm_medium=social&utm_campaign=dhfacebook&utm_content=null&id=119173659&fbclid=IwY2xjawIq-9hleHRuA2FlbQIxMQABHR18BNUc1calT5WUSCQlu9_quXEaGtdmQELaKZOeI2D62RvCO2hk0bngnA_aem_9JKC4H5uNGfDnJHSubGcdw

Judge Amir Ali said the Trump administration violated a court order about foreign aid and is ordering them to pay millions to nonprofits.

More than 20 civil service employees resigned Tuesday from billionaire Trump adviser Elon Musk's Department of Governmen...
02/25/2025

More than 20 civil service employees resigned Tuesday from billionaire Trump adviser Elon Musk's Department of Government Efficiency, saying they were refusing to use their technical expertise to "dismantle critical public services."

"We swore to serve the American people and uphold our oath to the Constitution across presidential administrations," the 21 staffers wrote in a joint resignation letter, a copy of which was obtained by The Associated Press. "However, it has become clear that we can no longer honor those commitments."

The employees also warned that many of those enlisted by Musk to help him slash the size of the federal government under President Donald Trump's administration were political ideologues who did not have the necessary skills or experience for the task ahead of them.

The mass resignation of engineers, data scientists and product managers is a temporary setback for Musk and the Republican president's tech-driven purge of the federal workforce. It comes amid a flurry of court challenges that have sought to stall, stop or unwind their efforts to fire or coerce thousands of government workers out of jobs.

In a statement, White House press secretary Karoline Leavitt was dismissive of the mass resignation.

"Anyone who thinks protests, lawsuits, and lawfare will deter President Trump must have been sleeping under a rock for the past several years," Leavitt said. "President Trump will not be deterred from delivering on the promises he made to make our federal government more efficient and more accountable to the hardworking American taxpayers."

The staffers who resigned worked for what was once known as the United States Digital Service, an office established during President Barack Obama's administration after the botched rollout of Healthcare.gov, the web portal that millions of Americans use to sign up for insurance plans through the Democrat's signature health care law.

All had previously held senior roles at such tech companies as Google and Amazon and wrote in their resignation letter that they joined the government out of a sense of duty to public service.

Trump's empowerment of Musk upended that. The day after Trump's inauguration, the staffers wrote, they were called into a series of interviews that foreshadowed the secretive and disruptive work of Musk's' Department of Government Efficiency, or DOGE.

According to the staffers, people wearing White House visitors' badges, some of whom would not give their names, grilled the nonpartisan employees about their qualifications and politics. Some made statements that indicated they had a limited technical understanding. Many were young and seemed guided by ideology and fandom of Musk - not improving government technology.

"Several of these interviewers refused to identify themselves, asked questions about political loyalty, attempted to pit colleagues against each other, and demonstrated limited technical ability," the staffers wrote in their letter. "This process created significant security risks."

Earlier this month, about 40 staffers in the office were laid off. The firings dealt a devastating blow to the government's ability to administer and safeguard its own technological footprint, they wrote.

"These highly skilled civil servants were working to modernize Social Security, veterans' services, tax filing, health care, disaster relief, student aid, and other critical services," the resignation letter states. "Their removal endangers millions of Americans who rely on these services every day. The sudden loss of their technology expertise makes critical systems and American's data less safe."

Those who remained, about 65 staffers, were integrated into DOGE's government-slashing effort. About a third of them quit Tuesday.

"We will not use our skills as technologists to compromise core government systems, jeopardize Americans' sensitive data, or dismantle critical public services," they wrote. "We will not lend our expertise to carry out or legitimize DOGE's actions."

The slash-and-burn effort Musk is leading diverges from what was initially outlined by Trump during the 2024 presidential campaign. DOGE, a nod to Musk's favorite cryptocurrency meme coin, was initially presented as a blue-ribbon commission that would exist outside government.

After the election, however, Musk hinted there was more to come, posting to his social media site, X, "Threat to democracy? Nope, threat to BUREAUCRACY!!!" He has leaned aggressively into the role since.

Last week he stood on stage at the Conservative Political Action Conference gathering outside Washington, where he boasted of his exploits and hoisted a blinged-out, Chinese-made chainsaw above his head that was gifted by Argentinian President Javier Milei.

"This is the chainsaw for bureaucracy," Musk bellowed from the stage.

Still, Musk has tried to keep technical talent in place, with the bulk of the layoffs in the Digital Service office focused on people in roles like designers, product managers, human resources and contracting staff, according to interviews with current and former staff.

Of the 40 people let go earlier this month, only one was an engineer - an outspoken and politically active staffer name Jonathan Kamens, who said in an interview with the AP that he believes he was fired for publicly endorsing Vice President Kamala Harris, a Democrat, on his personal blog and being critical of Musk in chats with colleagues.

"I believe that Elon Musk is up to no good. And I believe that any data that he gains access to is going to be used for purposes that are inappropriate and harmful to Americans," Kamens said.

U.S. Digital Service veterans, who spoke on the condition of anonymity out of fear of reprisal, recalled experiencing a similar sort of shock about how government processes worked that Musk and his team are discovering. Over time, many developed an appreciation for why certain things in government had to be treated with more care than in the private sector.

"'Move fast and break things' may be acceptable to someone who owns a business and owns the risk. And if things don't go well, the damage is compartmentalized. But when you break things in government, you're breaking things that belong to people who didn't sign up for that," said Cordell Schachter, who until last month was the chief information officer at the U.S. Department of Transportation.

USDS was established over a decade ago to do things like improving services for veterans, and it helped create a free government-run portal so tax filers did not have to go through third parties like TurboTax. It also devised systems to improve the way the federal government purchased technology.

It has been embroiled in its fair share of bureaucracy fights and agency turf wars with chief information officers across government who resented interlopers treading in their agency's systems. USDS' power across government stemmed from the imprimatur of acting on behalf of the White House and its founding mission of improving service for the American people.

https://abc7chicago.com/post/doge-21-federal-technology-staffers-resign-help-elon-musk-slash-size-government/15954012/?fbclid=IwY2xjawIq5K5leHRuA2FlbQIxMAABHXHMrWQReIJe8SRL6-_kU4dB0cRt610frQeDBJ7sTu16acRZuOPoai8w_A_aem_yb-J-yTdB8EdvOpPzmeuEQ

The mass resignation of engineers, data scientists and product managers is a temporary setback for Musk and the Republican president's tech-driven purge of the federal workforce.

When did the party of 'family values' stop caring about having moral leaders? | OpinionThere is no reason to believe Tru...
02/24/2025

When did the party of 'family values' stop caring about having moral leaders? | Opinion
There is no reason to believe Trump or Musk have significantly changed how they conduct themselves in recent years. They are likely just as morally bankrupt as they always have been.
Portrait of Dace PotasDace Potas
USA TODAY

Published Feb 24, 2025.

Elon Musk recently made headlines after a conservative influencer claimed she was the mother of his 13th child.

Whether the story is true remains to be seen, though Musk has not denied the allegations, which is all they are right now. However, it raises a significant problem within the GOP: the increasing lack of moral men in a political party that has for years claimed the moral high ground.

It used to be a bad thing if a Republican leader had a dozen children with multiple mothers outside of marriage. Now, adultery, extra-marital children and womanizing are all commonplace. The GOP desperately needs good men, good fathers and good husbands. We're getting further and further away from that.
Not only is it good for young men to have true conservative influences in the party, but young women might be more open to listening to conservative perspectives if the top of the party isn't full of cheaters and abusers. Young Republicans, like me, need better role models.

It's no surprise that as the Republican Party has deviated from social conservatism, the leaders within it have become increasingly immoral. We see that with almost 10 years of President Donald Trump being the leader of the party.

Need a break? Play the USA TODAY Daily Crossword Puzzle.

Musk has at least 12 children with three women, with a fourth mother claiming another child emerging Feb. 14.
Opinion:Trump thinks he's above the law. Republicans will ignore it until it's too late.

Most notoriously, Trump cheated on his wife, Melania, with a p**n actress in 2006 while the future first lady was caring for their newborn son. Before the 2016 presidential election, candidate Trump paid $130,000 to cover that fact from his family and the public.
Even beyond this absurd story, Trump has a long history of allegations of abusing women, which entirely bankrupts his authority as a conservative leader.

Then there is Robert F. Kennedy Jr., who's been accused of rampant adultery. He was recently confirmed as secretary of the Department of Health and Human Services.
Republicans are no longer expected to be moral leaders or even live their lives in a conservative manner.

Conservatism is rooted in a philosophy of personal responsibility. How you conduct yourself as an individual matters. Living your life in line with conservative principles pays dividends far more often than cheating and lying your way through relationships and politics.
Unsurprisingly, all three of the people mentioned above are former Democrats. Those who genuinely believe in conservatism orient their lives in a way that embraces conservative values.

By no means am I saying Democrats are bad people, but in my view, conservative values make it easier to live morally.

Opinion:I'm an anti-Trump conservative. Kennedy, Gabbard confirmations prove he owns GOP.

Now, politicians have always been scandalous, but all of this is even richer coming from the Republican Party that has insisted it has a monopoly on family values for decades.

When voters hear the hypocrisy of the party of family values nominating a thrice-married adulterer for the third straight election cycle, their eyes roll into the back of their heads.
I understand that people make mistakes; I certainly have myself. There is room to grow as a person from your shortcomings. If we judge everyone by their worst moments, everyone would look pretty horrible. However, all of these instances go further than that; they display a decades-long pattern of action that is directly antithetical to conservatism.
There is no reason to believe that Trump, Musk or RFK Jr. have significantly changed how they conduct themselves in recent years. The far more likely answer is that they are just as morally bankrupt as they always have been.

People pretend that personal and political lives are separate. They're not. The two facets, political and personal, are interconnected. As the GOP has embraced men who have conducted themselves poorly in their personal lives, the party’s commitment to conservative political principles have crumbled...

https://www.usatoday.com/story/opinion/columnist/2025/02/24/trump-musk-republicans-immoral-family-values/78925358007/?utm_campaign=trueanthem&utm_medium=social&utm_source=facebook&fbclid=IwY2xjawIpZQ1leHRuA2FlbQIxMQABHds0YqAkYtxwbBMVqZXSkHqmDpp6pRH03wUUMmnO59pWTquKDol6oCTeNg_aem_U_yftijq_qCezH_SThQLFw

It's no surprise the Republican Party has deviated from social conservatism. But young Republicans deserve better role models than Trump and Musk.

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