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Her mom was helping pay off her student loans. When she passed away, the debt had doubled.

This is why we need student loan reform.

Photo by Towfiqu barbhuiya on Unsplash
person holding brown leather bifold wallet

College is expensive. Parents work multiple jobs, put pressure on their children to perform at the top of their class in order to earn merit scholarships, all in the hopes for college to be mostly paid in full. Inevitably many students and parents have to take out student loans in an effort to fill in the gaps left by financial aid.

In the case of one Twitter user, Michelle Miller, her mother agreed to pay back half of Michelle’s student loans to ease the burden on the new graduate. After graduation the daughter owed approximately $30,000 and, split between the two of them, it meant they would each need to pay back $15,000.

Michelle lamented on Twitter about how her mother insisted on paying back her agreed-upon portion of the student loans though the daughter offered to take over payments. When Michelle’s mother informed her that the original $15,000 turned into $40,000 after interest, Michelle decided to save money in preparation to take over payments. However, her mother refused to allow it. Miller’s mother was expected to pay $400 a month on the student loans, but this would cut into her retirement, leaving her below the poverty level. To her mother, it was worth it to hold up her end of the bargain. Unfortunately her mother became unexpectedly ill and passed away before she was able to retire or pay back the loans. When going through her mother’s paperwork after her death, Michelle was met with a shock.


The loan amount had doubled. Michelle’s mother hid that the interest rate on the loans had brought the grand total to $80k that she could never afford to pay back. But this story is not unique. Many borrowers go into debt thinking the benefit of the degree will outweigh the burden of student loan debt but the cost of an education continues to skyrocket and the interest rate on loans makes paying it back nearly impossible. When you go to school and take out loans, you expect to be able to afford monthly payments and hope to pay it back in a timely manner, eventually freeing up income, but that’s not always the case. A lot of people find themselves in a similar situation as Michelle’s mother. They take out a dollar amount that is repayable, only to look up and see they’ve repaid the original balance but they still owe more than they originally agreed to borrow.

man wearing white top using MacBookPhoto by Tim Gouw on Unsplash

If stories like Michelle’s are the norm, why aren’t we doing more to regulate student loan companies? Presidential candidates like to talk about student loan forgiveness, and some have come up with actionable plans, but it doesn’t solve the long term issue of student loan practices. The truth of the matter is that children who three months prior had to ask permission to use the bathroom are now expected to understand the long term implications of borrowing money from a company that doesn’t care that the average person can’t pay it back plus interest.

Seventeen- and 18-year olds with a dream of attending college and questionable loan practices is a perfect storm for continued crisis in the student loan arena. Until we can figure out how to better regulate the lending companies in charge of student loans, the next generation will repeat the cycle. People shouldn’t have to choose between pursuing their dreams and taking debt to the grave.


This article originally appeared three years ago.

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Education

Away for a Day is making schools smartphone-free to improve grades and mental health

We should value academics and mental health more than technology.

via RDNE Stock Project/Pexels

A classroom of kids staring at their phones.

We have reached a tipping point where people are beginning to realize that the great social experiment of giving smartphones to children and teens has been disastrous for their mental health. Since young people started using smartphones about 15 years ago, there have been tremendous spikes in anxiety, depression and self-harm.

Big tech companies, such as Meta, have claimed there is no causal evidence that smartphones and social media are responsible for the mental health crisis. But we know that the rise in mental health problems began when young people started using smartphones and studies show that when kids take a break from social media for over a week, their mental health improves.

“There's enough data out there to show that it's not just correlational anymore. Clearly, some of this is causal and we're at this breaking point,” Lisa Tabb from Away for the Day told Upworthy.

The Away for a Day (AFTD) movement is working to reverse that trend by giving parents and schools resources to remove smartphones from the classroom. Tabb is also a former TV news producer and the co-producer of “Screenagers,” the first feature documentary to explore the impact of screen technology on kids and offer parents and families proven solutions that work.

Smartphones in schools are a tremendous distraction, even if they are just in a student’s pocket or backpack. “If you give them a warm chocolate chip cookie in their pocket and say, don't eat it. It's just not fair. It's just not fair,” Tabb told Upworthy. “And science shows that kids are distracted not only by their own device but everybody else's devices, too.”

Studies show that test scores increase when smartphones are taken out of the classroom.

Smartphones expose students to dangerous, inappropriate content online and are associated with depression and anxiety. “We're worried about the very, the very big, scary stuff that can happen online, but we're more concerned about all the tiny microaggressions that happen throughout the day when kids are seeing their friends online that went to a party that they weren't invited to,” Tabb said.

away for the day, screenagers, smartphonesSmartphones are bad for focus.via Away for the Day

That’s why AFTD is pushing for smartphones to be taken out of schools or, at least, out of students’ pockets and backpacks. “Phones don’t necessarily have to be left at home. It just has to be phones off their person,” Tabb told Upworthy.

“We believe having phones and smartwatches put away in lockers so the devices are physically away from the students is the best practice,” ATDE writes on its website. “If your students do not have lockers, we suggest that phones are put in places like hanging pocket holders, baskets, locked safes, or Yondr pouches. For those schools where this is not logistically possible, having students put their phones in their backpacks is the next best choice.”

Most schools confiscate students' phones if they are out at an inappropriate time and either the student or their parent must pick them up from the office after school. At Corte Madera High School in Portola Valley, California, students who violate the rule multiple times will have to check their phones in the office before the school day begins and pick them up after the final bell.



Creating a phone-free school day is a lot of work for students, teachers and administrators, but the benefits of having schools where mental health and academics are prioritized over technology are priceless.

“I have a great story about a middle school principal told me a few years ago,” Tabb told Upworthy. “The school had an electronic hall pass system and one year, 1800 students used the pass to visit the school counselor. This was when students were allowed to have their phones with them all school day. The following year, she instituted an away-all-day policy and the use of the hall pass to see the counselor literally went down to 10.”

Parents, students, teachers, and school administrators who want to implement phone-free policies in their schools can learn more and get free toolkits to get started Away for the Day’s website.

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Policy

Parents win fight to get young daughter a tryout with Mississippi school's baseball team

Everyone came together to do the right thing.

Curtesy of Shannon van Duijvendijk

Family of little girl take on Mississippi state for baseball tryout

As the old saying goes, "baseball is America's pastime." It was so important that during the second World War, Major League Baseball executives created all women's baseball teams since most of the young men were away fighting. The blockbuster hit movie, "A League of Their Own" details this era that not only provided fans with entertainment but proved women could be fierce competitive baseball players.

One South Mississippi family found themselves in the middle of a battle they didn't anticipate when it came to the game. Their daughter Jewel has been playing baseball since she was 5-years-old on city recreational teams, eventually making All Stars and travel baseball. With the 7th grader aging out of the recreational program, she wanted to join the middle school team.

That's where the problem came in. The girl's mom, Shannon van Duijvendijk says the Ocean Springs School District refused her a tryout for the baseball team.

This is the same school district that has had girls step out of their football cleats to put on a homecoming crown after kicking for the high school team. So the decision seemed a bit confusing for the community who chimed in to support the parents petitioning for Jewel to play on the middle school team.

Jewel is one of two girls planning to try out for the baseball team that many of their male teammates are competing for. But it was van Duijvendijk's husband who was determined to make sure his daughter got to play the game that she loves.

"It was actually my husband. That sense of injustice rose up in him and he was just like 'no, uh uh.'"

The initial call came from the school's athletic director who told them that it was a state rule that girls couldn't play on the baseball team because softball was considered an equivalent. That's when Mr. van Duijvendijk started contacting every person he could find in Jackson to help get his daughter a tryout. But the quest to speak with someone on the state level proved to be futile.

Curtesy of Shannon van Duijvendijk

After finding out the school's grievance policy, the determined dad emailed the superintendent who was extremely responsive according to van Duijvendijk. The mom tells Upworthy that the superintendent contacted people at the state level, eventually reporting back that Mississippi's High School Athletic Association (MSHAA) rule was unclear.

The rule from section 7.6.2 of the MSHAA Handbook reads in part, "When a state championship is offered for girls, they may not play on a boys’ team in that sport.”

As van Duijvendijk points out in her post, baseball and softball are two different sports and that ruling was made official by the NCAA in 2009. So a girls softball team would not be equivalent to a boys baseball team, according to the NCAA rules, the equivalent to baseball is baseball.

van Duijvendijk explains that the family got the most pushback from parents of softball players, which it is suspected the original complaint about girls trying out for baseball originated. There was confusion over why a girl would prefer to play baseball over softball and speculation on if the parents felt that baseball was superior.

But there was no feeling of one sport being superior over the other. In fact, in van Duijvendijk's social media post she writes, "I know a lot of people don’t understand why she chose to play baseball instead of softball, I didn’t for a while either. In the beginning I tried to convince her so many times to make the switch."

Jewel was so steadfast in her determination to play the sport van Duijvendijk says could see it in her eyes. That changed everything for the mom when it came to her support of Jewel's love of the sport. Right now, softball isn't even a practical switch.

"She has never played softball and doesn’t even own the equipment necessary to play the game. We have nothing against softball and we have so much love and respect for the girls that do play it, but that is not the sport she plays."

Curtesy of Shannon van Duijvendijk

Thanks to the determination of a dad who saw his daughter encounter an injustice, a mom who would do anything to support her and a superintendent that was intent on hunting someone down to clear up the rules–Jewel gets to tryout. Now that's what you call teamwork. As for Jewel, she's been playing with the boys since she was old enough to pick up a ball, she just wanted a chance to show them what she can do.

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Policy

Tennessee senator goes viral holding her baby during debate over bill to arm teachers

London Lamar did not hold back.

Tennessee General Assembly

Tennessee state senator gives fiery speech on arming teachers

Every once in a while a state's bill will make a blip on national media that causes people to dig a little deeper into what's happening. One such bill made headlines last year for a brief time before a new bill from another state took it's place.

After a tragic school shooting in the state of Tennessee where six people were killed, including three young students, state politicians began talking about arming the teachers. The idea was if teachers were armed then they would be able to stop school shooters, but the bill was widely unpopular among teachers and many parents. That didn't stop the state legislature from drawing up the bill and putting it up for a vote April 2024.

Many parents showed up to Tennessee State Senate to protest the bill, but it was the fiery speech of State Senator London Lamar that has people talking.

The new mom held her infant son in her arms while she addressed her colleagues who saw fit to laugh after moms protesting the bill were asked to leave. Lamar did not hold back in not only expressing her disappointment in her colleagues behavior but their disregard for very real concerns that she also shares with the people asked to leave.

"We are literally talking about arming educators who took an oath to teach our kids writing and arithmetic and how they can one day contribute to Tennessee's great economy, and we're now turning them into law enforcement agents by arming them with guns. We think this piece of legislation is going to keep kids safe which is probably going to enable the next school shooter, and it's not going to be someone coming in from the outside. It's unfortunately going to be a teacher with this piece of legislation," Lamar declares.

You can watch her passionate speech below:

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