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Policy

Everyday activists buy up $10 million in student debt then wipe it away for 3,000 people

They bought the debt for just $125,000, proving change can happen without a billionaire’s help.

woman wearing blue denim jacket holding book
Photo by Element5 Digital on Unsplash

3,000 students at HBCU Morehouse College had their student debt erased.

Credit and debt are part of a system that is frequently stacked against borrowers, and it can be harshest on those most vulnerable to its traps. In a powerful move that leverages the system against itself, a group of debt activists recently canceled nearly $10 million in student loan debt for $125,000. The effort benefited thousands of former students from Morehouse College, a historically Black institution in Atlanta.

The activists, part of the Debt Collective and its sister organization, the Rolling Jubilee Fund, purchased the debt from the college for about one penny on the dollar. Buying debt involves purchasing unpaid loans at a steep discount because the lender deems them unlikely to be repaid. They then erased the balances of 2,777 accounts, wiping the slate clean for students whose loans were in collections since Fall 2022 or earlier.

Morehouse College, whose alumni include figures like Martin Luther King Jr., fully supported the effort. The cancellation means that these borrowers can now access their transcripts and diplomas—something many of them were previously unable to do due to the financial burden.

This remarkable debt cancellation demonstrates a path forward for broader student loan relief, especially for graduates of historically Black colleges and universities (HBCUs), who are disproportionately affected by student debt.

"This nearly $10M of student debt cancellation will put thousands of Black folks in a better position to be able to save for retirement, purchase a home or start a small business."

— Braxton Brewington, Debt Collective spokesperson

A bold step in the fight for debt relief

The Debt Collective has advocated for student debt cancellation for over a decade. Their efforts began with buying up debt and freeing people from collections, including millions of dollars in student and carceral debts. Last year, the group bought and canceled $1.7 million in debt for students at Bennett College, another HBCU.

Their latest action at Morehouse comes at a critical point in the national conversation about student loans. President Biden's broader student debt cancellation plan was struck down by the Supreme Court earlier this year, leaving millions of borrowers in financial limbo.


via GIPHY


This cancellation sends a clear message that large-scale relief is possible.

"President Biden has yet to make good on his campaign promise to eliminate all student debt held by HBCU graduates. We’re doing our part, and it’s time Biden does his."

— Braxton Brewington

The real impact of student debt

Student debt is a significant barrier to financial stability for millions of Americans. This burden is especially heavy for Black borrowers, who are more likely to take on loans and face more significant financial challenges after graduation.

Morehouse President David A. Thomas acknowledged that debt discourages many students from attending college and pursuing their dreams. "Debt has proven itself to be one of the strongest deterrents in a prospective student's decision to attend college and inhibitors in alumni’s socioeconomic success post-graduation," he said.


via GIPHY


With Morehouse's support, the Debt Collective and Rolling Jubilee Fund are working to level the playing field for these students and their future careers. The college also aims to become a need-blind institution by 2030, further reducing financial barriers to education.

"Partners like the Debt Collective and Rolling Jubilee are making the investment to help level the financial playing field for our students and alumni."

— David A. Thomas, President of Morehouse College

A call for national action

The Debt Collective’s success raises an important question: If private organizations can buy and cancel debt, why can’t the federal government do the same? The group argues that its work proves there are real solutions to the student loan crisis. It’s calling on President Biden to follow through on his promise to cancel student debt for HBCU graduates and the broader American student population.


Debt Activists Bought $10M in Student Debt for $125,000 — and Canceled It All
byu/hopopo inUpliftingNews


They’ve even launched a tool to help borrowers petition the Department of Education for relief under the Higher Education Act. Over 30,000 borrowers have already used this tool in just two months to request cancellation.

As the movement for debt relief grows, activists are urging people to speak out, get involved, and push for large-scale change. The more we demand action, the closer we come to a future where education doesn’t trap people in financial hardship but instead opens the door to opportunity.

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student loans
Joy

Hunger in affluent communities: How a Silicon Valley food bank is fighting food insecurity

We can all help fight hunger nationwide with one simple shift in the way we grocery shop.

Photo credit: Canva

Food insecurity is an issue in communities across the United States.

When people hear “Silicon Valley,” hunger isn’t usually the first thing that comes to mind. Instead, most think “global tech hub” and “wealth.” Named after the silicon used in computer chips, this renowned region is home to nearly 3 million residents and is famous for offering some of the highest salaries in the United States.

Given Silicon Valley’s association with wealth, it’s easy to overlook that not everyone living there is affluent. The high cost of living in the area makes it challenging for those without high-paying jobs to make ends meet. Many residents, including those who work full-time, struggle with basic living expenses.

That’s why Second Harvest of Silicon Valley helps provide food to more than 500,000 people across Santa Clara and San Mateo counties. The COVID-19 pandemic and subsequent inflation have prevented many families from getting ahead, making the food bank’s role crucial in providing access to nutritious food.

However, the high cost of living in Silicon Valley is also affecting Second Harvest. Despite the evident need in the community, the food bank had to close its largest warehouse in June 2024 due to rising rent costs.

donationsVolunteers help sort food bank donations.Photo credit: Canva

"Every single week, we receive more than 85 tractor-trailer loads of food. All of that food gets handled at our warehouses and goes back into the community," Second Harvest of Silicon Valley CEO Leslie Bacho told NBC. "Unfortunately, this is our largest facility that we are closing, so we're having to just figure out how we can have that work get done other places."

To help maintain the flow of food, the Albertsons Companies Foundation Nourishing Neighbors Program and O Organics gave Second Harvest of Silicon Valley a $200,000 grant. And they weren’t the only organization to receive funding. Thirty nonprofits received a total of $30,000 in grants during the O Organics $30K in 30 days campaign this past summer to help ease food insecurity. Hunger is an ongoing issue that requires continuous funding, and initiatives like these help ensure that food reaches those in need.

How can we all help make sure people get the food they need?

There are so many worthy organizations that need support to fight hunger, and there are numerous ways to help, from making direct donations and organizing food drives to volunteering. Enhancing these efforts, O Organics provides an easy way for everyone to contribute consistently by simply changing how we grocery shop.

Every time you choose an O Organics product, you not only provide nutritious food for your own family but also help someone facing food insecurity. Through the “Fight Hunger. Serve Hope” program, O Organics has contributed nearly $14 million over the past two years to reduce food insecurity, enabling 56M meals and counting to help fight hunger in local communities.

O Organics helps fight food insecurity.images.albertsons-media.com

Doesn’t organic food cost more than non-organic?

People often assume that organic food is more expensive, but that’s not always true. Many organic products cost the same or even lower than their non-organic equivalents, especially when comparing private label brands like O Organics to national products.

O Organics has products in every aisle of the store, making it easier than ever to find organic products that suit your family’s needs. Purchasing O Organics products also helps support organic agriculture. Small changes that benefit both the planet and its people can add up, and simply choosing one product instead of another can make a significant difference.

No matter where people face food insecurity, whether in Silicon Valley or communities across the U.S., we can all find ways to help. Learn more about how O Organics is helping fight hunger here and look for the O Organics brand at your local Albertsons Companies grocery store, including Albertsons, Safeway, Vons, ACME, Shaw’s, Jewel-Osco and Tom Thumb.
Health

Hospice nurse shares the 'one sign' that someone is going to die 'in a few weeks'

Most people don't believe it happens.

via Canva

A nurse and a man in hospice care.

Death is the final mystery that we all must face and it’s natural to be scared about going through the process. However, a new video by a hospice nurse shows an excellent reason for people to feel comfortable facing the unknown.

Julie McFadden, aka Hospice Nurse Julie on YouTube, has witnessed over a hundred deaths, says that people are often comforted by friends and relatives who have passed away in their final days. She says that when people begin experiencing these visions, it’s a sign that they will be passing away within a few weeks.

McFadden is also the author of the bestseller, “Nothing to Fear.”

"Here's one sign that someone is close to death that most people don't believe happens,” Julie began the video.

- YouTubewww.youtube.com

"Usually a few weeks to a month before someone dies, if they're on hospice, they will start seeing dead loved ones, dead relatives, dead pets. This happens so often that we actually put it in our educational packets that we give to patients and their families when they come on hospice so they aren't surprised or scared when it happens,” she continues.

The experience is called visioning; although no one knows how or why it happens, it’s common among all her patients.

"We don't know why it happens, but we see it in definitely more than half of our patients," she continues.

People often believe that the visions are caused by a lack of oxygen to the brain. However, Juie says that isn’t true. “Because when it does happen, most people are alert and oriented and are at least a month from death, so they don't have low oxygen," she said.

The good news is that the visioning experience is always comforting for those who are nearing the end. It often involves relatives who come from the other side to let them know everything will be okay and encourage them to let go and pass away. People also experience being taken on journeys with loved ones or having sensory experiences from the past, such as smelling their grandmother's perfume or father’s cigar.

Christopher Kerr, a CEO of Hospice & Palliative Care, an organization that provides palliative care in Buffalo, New York, says that the relatives that often appear in these visions are people who protected and comforted the dying parent when they were alive. So, they may see a parent who nurtured them but not one they feared.

Kerr has extensively studied the mysterious phenomena that happen when people die but has no real explanation for why the visioning experience happens. “I have witnessed cases where what I was seeing was so profound, and the meaning for the patient was so clear and precise, that I almost felt like an intruder,” he told BBC Brazil. “And trying to decipher the etiology, the cause, seemed futile. I concluded that it was simply important to have reverence, that the fact that I could not explain the origin and process did not invalidate the experience for the patient.”

It's comforting to know that for many, the final days of life may not be filled with pain and fear but instead with a sense of peace and joy. While we may never fully understand the reasons behind these mysterious visions, if they bring calm during such a daunting time, we can simply be grateful for their presence. They’re kind of like life, in general. In the end, we may not really know what it was all about, but we can be happy that it happened.

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Pop Culture

People are arguing whether this is a picture of Tom Hanks or Bill Murray

Can you tell?

via Reasons My Son is Crying/Facebook

Tom Hanks and Bill Murray


What do you think?


via Reasons My Son is Crying/Facebook

SCROLL DOWN FOR THE ANSWER

Given the narrow beauty standards in Hollywood, there are a lot of actors and actresses that look look amazingly similar.

Heath Ledger and Joseph Gordon-Levitt look a lot alike…


As do Katy Perry and Zooey Deschanel…

But has anyone ever said, "You know which 60-something actors look identical? Tom Hanks and Bill Murray." Because they don't look alike. Although, funnily enough, Bill Murray did famously turn down the leads in Hanks' hits "Forrest Gump" and "Philadelphia," but I'm guessing nobody has ever screamed, "Loved you in 'Ghostbusters'" at Hanks as he walked down the street.

But for some reason, call it fate, call it luck, call it karma, the man making the "waaah" face in the orange raincoat above could easily be either man.

Here's what people are saying on Facebook:

via Reasons My Son is Crying/Facebook

The truth (should you choose to accept it):

The photo above is of Bill Murray and Laura DiMichele-Ross holding her crying son, Alexander, at the Alfred Dunhill Links golf competition at St. Andrews in October 2012. DiMichele-Ross posted the photo to a popular Facebook blog "Reasons My Son Is Crying" in May 2013. The photo resurfaced in October 2016 on the Today Show website, reigniting the controversy all over again.

Regardless of what the Internet is saying, DiMichele-Ross backs her original claim that it's Murray. "It's totally Bill," she reiterated in a comment on her post. "I can vouch cause I'm the one in the photo with the massive grin thinking 'Oh my god this is going to be an awesome photo!'"


This article originally appeared on 10.26.16

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comedy
Internet

Do we ever really die? One woman's immortality theory is blowing people's minds

Forget the Matrix. This theory is next level.

www.youtube.com

Quantum immortality?

Might we never really pass on into nothingness? Has the world ended many times before? Are we in fact doomed to spend eternity unknowingly jumping from one dimension to the next? According to one TikTok theory, the answer is yes. And it's blowing millions of minds worldwide.

Joli Moli (@joli.artist) is quite used to spooking and perplexing viewers with conspiracy theories and alternative hot takes. In her video titled "Apocalypse...again," Joli introduced the concept of Hugh Everett's quantum immortality.


@joli.artist ##mandelaeffect ##apocalypse ##atworldsend ##quantumphysics ##quantumimmortality ##ChimeHasYourBack ##manyworlds
♬ Horror, suspense, weirdness, ghost, UFO - Zassh


Fans of the Marvel "multiverse," are quite familiar with this concept, where instead of experiencing death, "your consciousness just gets transferred to a parallel universe where you survived," the TikTokker explained.

Joli admits that this might burst the bubbles of those seeking the "sweet relief" of a widespread apocalypse. "If the quantum immortality theory is correct," she deduced, "you're just going to wake up in a parallel universe with no memory of the fact that you just survived an apocalyptic event."

According to Joli, the only sort of clue or hint you'd get that you might have woken up in a parallel world would be "new Mandela effects." You know, the strange phenomenon where all of a sudden there are two completely opposing memories of historical events? Yeah, quantum theory says that if you remember Curious George having a tail, you probably died in another universe.

Driving her point home, Joli added: "What I'm basically implying here is that in our reality, apocalypses happen every day … after the inevitable apocalypse occurs, you're going to wake up the next day in a new reality, and the next thing you know, you're going to find yourself on Reddit talking about 'since when did Pizza Hut have two Ts?!' Arguing with people who are native of this new reality, talking about 'it's always had two Ts'."

I for one would never want to live in a Pizza Hutt universe. Blech.

Still not sold on the theory? Joli has further arguments: "You don't believe me? Okay, it's been about 65 million years since the asteroids allegedly took out the dinosaurs. ... So you mean to tell me that in the last 65 million years, no other asteroids have come through the neighborhood, taken us out? You think we're just that lucky, huh? No other super volcanic events in 65 million years? We're just out there in space just dodging asteroids by luck, right? Earth doesn't have a steering wheel."

Hmmm. That's a good point.

Joli concluded with the upbeat sentiment that "Earth is probably always being taken out, and our consciousness just keeps getting transferred to another parallel universe, and another one, and another one. For all you know, the apocalypse maybe already happened last night…"

So far, in this reality anyway, the video has 4.9 million views. And—as to be expected—the video left many feeling uneasy.

One user commented, "Ok, I'm actually kind of freaking out right now coz I'm not the conspiracy typa guy, but you're like eerily making sense."

A few resorted to sarcasm as a defense mechanism (understandably), like this Twitterer: "Thanks I was overdue for another existential crisis."

The discourse got so intense, people were reporting physical side effects from the stress. One person wrote: "The thought of never being able to actually die is extremely depressing, and it's giving me a headache."

Another added, "Bruh, I'm just done with this anxiety. My body [is] emotionally [and] physically TIREDDD."

One commenter, who clearly had their priorities straight, wrote: "You're over here talking about extinction level events and I'm having to check on the two Ts in Pizza Hut."

It wasn't all gloom and doom though. According to indy100, some saw the potential of eternal life as a comfort against the loss of loved ones, while others finally got to make sense of their "world-ending" dreams.

If you have watched the original TikTok and are filled with burning questions, Joli posted a follow up Q&A video. A small disclaimer: You might be left with even more questions.

Though we may never really know what awaits us on the other side, it is interesting to think that we might live in a multiverse with infinite second chances. And whether or not this theory floats your metaphysical boat, it's fun to contemplate on one of life's biggest mysteries.


This article originally appeared on 10.18.21

From Your Site Articles
Family

13 comics use 'science' to hilariously illustrate the frustrations of parenting.

"Newton's First Law of Parenting: A child at rest will remain at rest ... until you need your iPad back."

All images by Jessica Ziegler

Kids grab everywhere.


Norine Dworkin-McDaniel's son came home from school one day talking about Newton's first law of motion.

He had just learned it at school, her son explained as they sat around the dinner table one night. It was the idea that "an object at rest will remain at rest until acted on by an external force."

"It struck me that it sounded an awful lot like him and his video games," she joked.

A writer by trade and always quick to turn a phrase, Norine grabbed a pen and scribbled some words:

"Newton's First Law of Parenting: A child at rest will remain at rest ... until you need your iPad back."

And just like that, she started creating "The Science of Parenthood," a series that names and identifies hilarious, universal parenting struggles. She put in a quick call to her friend Jessica Ziegler, a visual and graphics expert, and together the two set out to bring the project to life.

Here are some of their discoveries:

1. Newton's first law of parenting

parents, babies, parenthood

A taste of the “gimmies."

2. The sleep geometry theorem

teenagers, science of parenthood, science

There’s plenty of room.

3. The baby fluids effusion rule

baby fluids, adults, babies

Duck.

4. The carnival arc

avoidance, county fair, town

Can we go?

5. The Archimedes bath-time principle

bath time, bubbles, clean up

Clean up the clean up.

6. Schrödinger's backpack

homework, school, responsibility

Homework... ehh.

7. The naptime disruption theorem

naps, doorbells, sleep deprivation

Who needs sleep. It’s rhetorical.

8. Calculation disintegration

math, education, calculator

I have a calculator on my phone.

9. Chuck e-conomics

economics, resources, toys

How much does that cost?

10. Plate tectonics

food, picky eaters, fussy eaters

Where’s the chicken tenders?

11. Silicaphobia

beach, sand, vacation

Oh good, sunburns.

12. Delusions of launder

laundry, chores, home utilities

When did we get all these clothes?

13. The Costco contradiction

Costco, name brands, comic

I want them now, not then.

Norine and Jessica's work struck a nerve with parents everywhere.

Norine said almost every parent who sees the cartoons has a similar reaction: a quiet moment of recognition, followed by a huge laugh as they recognize their own families in the illustrations.

But is there more to it than just getting a few chuckles? You bet, Norine and Jessica said.

"Even, at the worst possible moments, you're standing there, your child has just vomited all over you, or you've opened up the diaper and your kid is sitting waist deep in liquid ****. Even at that moment, it's not really that bad," Norine said. "You will be able to laugh at this at some point."

"It gets better. You're not alone in this parenting thing."


This article originally appeared on 11.30.16

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Pop Culture

Music teacher got two standing ovations and a BGT Golden Buzzer with 'Natural Woman' cover

Goose. Bumps.

Britain's Got Talent/YouTube

Taryn Charles blew everyone away with her BGT audition.

For nearly two decades, people have been enjoying "Got Talent" competitions all over the world, inspired by the first "America's Got Talent" in 2006. And thanks to social media and YouTube, we can enjoy the most memorable auditions over and over again.

For instance, this one from Taryn Charles on the 2024 season of "Britain's Got Talent."

Charles is a music teacher who works with special needs kids. She even brought one of her students and her parent to be part of the audience during her audition. When the judges asked why she wanted to be on "Britain's Got Talent," Charles said, "I love to make people smile and I think my voice is alright."

Talk about an understatement.

As she stands waiting for the music to start, she shakes her hand by her side a few times, clearly getting some nerves out. But as soon as she starts to sing the first line, "Looking out on the morning rain, I used to feel so uninspired…" it's clear from her rich, raspy voice and easy stage presence that she's got something special.

And it only gets better from there. "(You Make Me Feel Like a) Natural Woman" was written by singer-songwriter Carole King, then famously covered by Aretha Franklin, which is a hard act to follow. But Charles knocked it out of the park, blowing away the audience and judges alike. In fact, the performance earned her not one but two standing ovations and inspired judge Bruno Tonioli to smash the Golden Buzzer button before the judges even began to offer their feedback.

Watch:

What makes this performance especially memorable is how humble and unassuming Charles is before and after her knock-out performance. If you didn't watch til the very end, you may have missed her hilariously real, "I think I've wet myself," which only makes her even more endearing.

"WOW I was blown away with her angelic and powerful voice," wrote one commenter. "And yet she is so humble and has a beautiful soul. Plus, I have never in my life seen a double standing ovation, she so deserves a golden buzzer, wishing her the best success."

"This is how you do an audition, stunning tone to her voice.....if anyone deserves a chance it's this lady......BOOM!!" wrote another.

"This was so inspirational. Taryn I am in tears," shared another. "I know what it feels like to struggle with self-worth. You are a mirror to show me that that those people are not always right. You are phenomenally gifted and you have an amazing career as a professional singer ahead of you! Blessings!"

Talent competition judges often warn contestants about the challenge of singing songs done by big vocal divas, and we've seen singers attempt to sing the likes of Whitney Houston or Mariah Carey and fall flat. It's not easy to sing an iconic song most people associate with Aretha Franklin—the Queen of Soul and Rolling Stone's #1 singer of all time—and have any hope of impressing people. And yet, Taryn Charles managed to make the song her own and wow everyone in the process with her unique voice.

We'll definitely be keeping an eye on this humble music teacher as she makes her way through the "Britain's Got Talent" gauntlet. Heck of a way to kick it off.


This article originally appeared on 5.6.24

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