Robert Morris served a diverse student body in terms of age, race, gender, ethnicity, and socio-economic and academic background; and was recognized by the U.S. Department of . In fact, Psalm 103 tells us to bless the Lord and not forget all His benefits. Please contact our office if you ever have questions about loan repayment and we will be happy to assist you. In arguments lasting more than three hours Tuesday, Chief Justice John Roberts led his conservative colleagues in questioning the administrations authority to broadly cancel federal student loans because of the covid-19 emergency. People can start to finally crawl out from under that mountain of debt, to get on top of their rent and their utilities, to finally think about buying a home or starting a family or starting a business, Biden said in a speech at the White House in August. Eligible part-time students can also expect an award, and even many students who do not normally qualify for financial aid will receive a CARES Act award. Just because somebody accuses a school of fraud doesn't necessarily mean that it happened. In the case of an overpayment, Robert Morris University will return both federal grant funding so no overpayment exists for the student. None of these plans are perfect, but they can provide partial or total debt relief over time, or help you pay off your student loans faster in the end. Obviously this means your student loan balance will go up by whatever amount you get refunded, and that your new monthly payment could change as a result. But, "without any kind of individual review, we wonder how you can make a determination whether or not a student has been harmed.". The parties' proposed settlement has unfairly impugned the reputations of more than 150 schools, all without the basic procedural fairness to which these schools are entitled under the [Education] Department's own regulations.". Robert Morris . Nebraska and other states that sued say the 20 million borrowers who would have their entire loans erased would get a windfall leaving them better off than before the pandemic. There are also options to consider for people who are going to begin repaying their federal student loans against their will. Eligible part-time students can also expect an award, and even many students who do not normally qualify for financial aid will receive a CARES Act award. The whole point of the lawsuit and settlement is to finally and efficiently do that. A direct consolidation loan is a type of direct loan that combines two or more federal education loans into a single loan. Justice Brett Kavanaugh suggested he agreed, saying it seems problematic for the administration to use an old law to unilaterally implement a debt relief program that Congress had declined to adopt. The US government already knows it has $4 billion defrauded from it by Kaplan. She remembers the Florida Metropolitan University salesperson who assured her, back in 2006, that the school was a great fit. Currently the university is reviewing the details and requirements to distribute this latest round of funding, and we will notify students regarding their eligibility as soon as we can. The enrollment period will be based on when a student stops attending. The Supreme Court to hear two Student loan forgiveness cases. Details. It is important to understand all aspects of loan repayment plans and the consequences of not paying your student loans. Mar 2023 - Present1 month. Upon receipt of a timely response from the student or parent (in the case of a Parent Plus loan), RMU will disburse the funds as soon as possible, but not later than 180 days from the date of determination. President Biden's student loan relief plan faces a do-or-die moment on Tuesday as it reaches the Supreme Court for oral arguments. The justices questions mirrored the partisan political divide over the issue, with conservatives arguing that non-college workers should not be penalized and liberals arguing for the break for the college educated. "Update on Student Loan Borrowers During Payment Suspension. When President Biden announced a plan to offer $10,000 to $20,000 in student loan forgiveness for eligible borrowers last year, many believed this was a solid first step to solving our student loan debt crisis. Summary: President Biden's new student loan forgiveness plan includes three major components. Payments and interest on federal student loans have been paused since March 2020. He offered a hypothetical example of a person who passes up college to start a lawn service with borrowed money. Please see Unofficial Withdrawal Policy. WASHINGTON (AP) --Conservative justices holding the Supreme Court's majority seem ready to sink President Joe Biden's plan to wipe away or reduce student loans held by millions of Americans. As the NAACP noted in a brief to the Supreme Court, Black college graduates are more burdened with student loan debt, and more than twice as likely as White ones to owe more than what they borrowed four years after graduation. Americans support student loan forgiveness, but would rather rein in college costs If the settlement is approved, those 200,000 borrowers will have more than $6 billion in debts erased, and. Supreme Court student loan case: The arguments explained. The Department has approved over 1,600 claims, representing approximately $53 million in relief for former Westwood students. It allows the. In addition, paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. The loan forgiveness plan, by contrast, is aimed at countering the economic effects of the pandemic. "I cried at the restaurant we were at with all these tourists," Davis remembers, "and they were looking at me like I was crazy. Of course, there are several downsides that come with requesting a refund of prior payments particularly if student loan forgiveness is ultimately blocked by the Supreme Court. "We're not necessarily addressing the root of the problem," says Dominique Baker, a professor of education policy at Southern Methodist University. Legal challenges quickly followed. The written notification would identify the type and amount of loan funds, explanation that student or parent can except, reduce or decline the loan, as well as their obligation to repay the loan funds. [1] Forgiving student debt up to. In a statement, Education Secretary Miguel Cardona said the department was "pleased" to have reached an agreement "that will deliver billions of dollars of automatic relief to approximately 200,000 borrowers and that we believe will resolve plaintiffs' claims in a manner that is fair and equitable for all parties.". ", Jason Altmire, the president and CEO of Career Education Colleges and Universities (CECU), a group that represents many of the schools on the list, said, "We are pleased that Judge Alsup tentatively ruled that he will allow schools to intervene in Sweet v. Cardona to protect their interests. Loan CalculatorMoon Township, Pennsylvania. Forgiveness would be paired with other student loan debt relief programs the Biden administration has put into place, making repayment even easier. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Consider applying for a different payment plan. Unrelated to the case, the Biden administration finally processed and approved Davis' borrower defense claim earlier this year. Student debt refers to loans used to pay for college tuition that are due after the student graduates or leaves school. %PDF-1.5 % He's written hundreds of stories breaking down complex financial topics in plainspoken language, emphasizing the impact that economic currents would have on individuals' finances and the market. ", Department of Education. https://t.co/x51G6afLOa pic.twitter.com/9nmPwrOxnH, PBS NewsHour (@NewsHour) February 28, 2023. "Millions of Americans Student Loan Costs Will Rise Dramatically Under Republican Officials Plans. For many, this will mean selecting an income-driven student loan repayment plan. In a statement after the settlement, it said it "continues to believe it has acted appropriately and has admitted no wrongdoing. In addition to the debate over the authority to forgive student debt, the court is confronting whether the states and two individuals whose challenge also is before the justices have the legal right, or standing, to sue. Exit Counseling/Repayment must be completed by students receiving a Stafford or Perkins loan. Justice Amy Coney Barrett joined the three liberal justices in repeatedly questioning Nebraskas Campbell on that issue. 6001 University Blvd., Moon Township, PA 15108 ", C-SPAN. The best student Loan Calculator should be able to both save you time and money. ", Its inclusion in the Sweet settlement, along with other open schools, feels to Altmire like the department is using borrower defense "to weaponize against the [for-profit college] sector.". Federal Loan Discharge and Forgiveness: IMPORTANT NOTE: . The student loan interest deduction allows a tax break of up to $2,500 for interest payments on loans for higher education. "If the Department of Education encourages every loan holder in America to submit a borrower-defense application prior to this Court's final approval of the Proposed Settlement, within three years the Department of Education can unilaterally cancel ALL federal student loan debt and refund prior payments on student debt by simply not acting," the memo warns. "Costs of Suspending Student Loan Payments and Canceling Debt. Get details about Teacher Loan Forgiveness. Learn more at, Graduated repayment plan - Starts out with low monthly payment amounts and increases, usually every two years, Extended repayment plan - payments may be fixed or graduated. The lady just said the best person for understanding the financial impacts, long term, to the students is the secretary of. Need a little help? Liam Kernaghan The Worst Week Yet: February 19-25, 2023 . If the court upholds the student loan forgiveness program, more than 90% of relief would go to households making less than $75,000, the White House estimated. Senior Consultant, Customer Solutions. This helps to build and maintain a good credit rating. 1. It just seems kind of messed up that college is the expectation, higher education is the expectation, but then at the same time, peoples lives are being ruined, said Smith, 22, who lives in Atlanta. 412-397-3000, Part-time, Readmission and Guest Students, RMU Center for Veterans and Military Families, Academic Accommodations / Services for Students with Disabilities, Residence Life: Parent/Guardian Resources, Part-Time or Degree Completion Requirements, Military & Veterans Admissions Requirements, Federal Financial Aid Satisfactory Academic Progress Policy, Pennsylvania State Grant Academic Progress Policy, Request for Special Consideration and Dependency Override, Robert Morris University Integrated Degree Program Policy, Massey Center for Entrepreneurship and Innovation, School of Engineering, Mathematics and Science, School of Informatics, Humanities and Social Sciences, Department of Communication and Organizational Leadership, Department of Computer and Information Systems, English and the Humanities Scholarships & Awards, School of Nursing, Education and Human Studies, Teacher Education Office: State Testing Requirements, Department of Psychology & Health Sciences, Research and Innovation in Simulation Education (RISE), Rooney International Visiting Scholar Program, Veterans Integration to Academic Leadership (VITAL), Public Safety - Security Systems and Services. Wow This from Sonia Sotomayor: "There's 50 million students who are -- who will benefit from this. However, you must have completed the FAFSA. Loan forbearance will cost another $16 billion. The reasons for student loan forgiveness include borrower defense to repayment claims, closed schools, and other lawsuits. The Department of Education agreed to a $6 billion settlement to cancel debt for 200,000 borrowers. Democratic-led states and liberal interest groups are backing the administration in urging the court to allow the plan to take effect. University of Phoenix did not respond to multiple NPR requests for comment. Diccon Hyatt is an experienced financial and economics reporter who has covered the pandemic-era economy in hundreds of stories over the past two years. Contact: Eddie Francis, efrancis@dillard.edu. Under his plan, Biden would forgive all undergraduate federal student loan debt for borrowers with annual incomes under $125,000 who attended public colleges and universities, as well as. Bidens Student Loan Forgiveness Plan Might Be In Trouble Following Supreme Court Hearing, What Student Loan Borrowers Should Remember After The Supreme Court Hearing, More Medicare Advantage Plans Are Offering Extra Supports For Frail Seniors, options based on your state or profession, Reduce monthly payments for future students by 40%, while those with the lowest incomes could see payments that are 83% less, Save students $2,000 per year on their loans (on average) compared to the current REPAYE plan, Make it so 85% of community college students can be debt-free within 10 years, Make it so lifetime payments are cut in half (on average) for Black, Hispanic, American Indian and Alaska Native borrowers. We ask that all students complete the FAFSA by May 8. The Biden Administration has forgiven the . $X@tiPw.0012 No adjustment will be made for students suspended for disciplinary reasons. "The Biden Student Loan Forgiveness Plan: Budgetary Costs And Distributional Impact. Otherwise, what's to prevent more students from being defrauded? Robert Morris University Illinois Overview Rankings Applying Academics Student Life Paying Outcomes Any RMU bachelor's degree rankings and awards from College Factual will be listed on this page. Still, there were plenty of complaints about the proposal, including the fact the forgiveness plan did nothing to solve the increasing costs of higher education. Robert Morris University (RMU) is a private university located in Moon Township, Pennsylvania. 126 0 obj <>/Filter/FlateDecode/ID[<9FB385F33A9902499C12B98E6FA050E0><038376FB155A9A4BB7030FE8D172307D>]/Index[112 43]/Info 111 0 R/Length 76/Prev 22351/Root 113 0 R/Size 155/Type/XRef/W[1 2 1]>>stream Even if the court allows forgiveness, payments on borrowers remaining balance will resume two months after the court makes its ruling. He's also worked at The Balance, U.S. 1, Community News Service and the Middletown Transcript. Every student who qualifies for CARES Act funding will receive an award, so long as the FAFSA is completed. The law was primarily intended to keep service members from being hurt financially while they fought in wars in Afghanistan and Iraq. NEW ORLEANSAdrian Guy Anderson, Dillard University's assistant vice president of development and alumni relations has announced that she will be moving on to future career opportunities. Opinions expressed by Forbes Contributors are their own. The fund is supported by contributions from faculty, staff, alumni, and other donors. Morris van de Camp. Student debt relief advocates gather outside the Supreme Court on Capitol Hill in Washington on Monday, ahead of arguments over President Joe Bidens student debt relief plan. You can learn more about the standards we follow in producing accurate, unbiased content in our. Thompson and her father. But it would take at least one other conservative vote to form a majority. Ultimately, it was Davis who took the Education Department to court as one of seven named plaintiffs in Sweet v. DeVos, now Sweet v. Cardona. In a legal memo protesting the settlement, attorneys for Everglades College, Inc., whose schools are listed among the 153, complain that, "in most instances, all the Department has before it are unproven and yet-to-be-adjudicated allegations, but the agency is nonetheless deeming schools guilty without further process or explanation. Among those in the courtroom Tuesday was Kayla Smith, a recent graduate of the University of Georgia, who camped out near the court the night before in order to get a seat. Biden's student debt forgiveness plan isn't the only change coming for student loan borrowers. Non-attendance and/or nonpayment of tuition charges does NOT constitute an official withdrawal. Students will be permitted to drop a course at no charge prior to the first day of the course. The media could not be loaded, either because the server or network failed or because the format is not supported. Loan repayment begins six months after a student graduates, drops below part time or stops attending school. Conservative groups instantly brought several legal challenges to the plan as well, which will culminate in a hearing at the Supreme Court at the end of February this year. "While I'm sympathetic to the department trying to clear the decks there is a lot of inadvertent harm that comes from telling current students that, you know, your degree may be a sham, even before you've received one or tried to get employed with it.". In addition to the estimated 20 million who would see their balances zeroed out, the reduction in loan balances would make it financially easier for borrowers to make the transition back to repayment, especially for those who are financially struggling the most, the Consumer Finance Protection Bureau (CFPB) said. Student loan payments have been on hold since the start of the pandemic, but they are set to restart 60 days after the court cases resolve regardless of the outcome. Adjustments are based on the semester dates, not session dates. To apply for assistance from the Student Emergency Fund Emergency Fund, please complete this form. Featured Business schools near Boydton , VA edit We couldn't find any College Factual top 20% bachelor's degree ranking placements or awards for RMU. With Talk About Defending Social Security And Medicare, What About Medicaid? "U.S. Department of Education Estimate: Biden-Harris Student Debt Relief to Cost an Average of $30 Billion Annually Over Next Decade.". 504.816.4024. Lies and misinformation by Kaplan encouraged you to take on student loan debt. WASHINGTON Conservative justices holding the Supreme Courts majority seem ready to sink President Joe Bidens plan to wipe away or reduce student loans held by millions of Americans. Harvard Professor Debunks 2 Huge Myths about Exercise | BOXROX. All financial aid recipients receiving Title IV federal financial aid will be subject to the Title IV Refund Calculation. Faustovsk civilizace a nov patriarcht . To appeal for additional funds, please complete this form. Tens of thousands of borrowers who say they were ripped off, largely by for-profit colleges, have been in limbo, waiting years to have their claims reviewed. By Allie Morris. After all, this plan would offer the most relief (up to $20,000) for Pell Grant recipients, the majority of which (66%) come from families with incomes of $60,000 or less. There's no reason to believe the department won't meet this timeline as part of the settlement, it has committed to processing claims more efficiently. is estimated to cost $400 billion over 30 years. Real accountability would require that the department officially investigate a school, gather evidence and make its case while also allowing the school to defend itself a kind of due process that some for-profit college advocates and experts welcome. Federal student loans have a wide range of repayment plan options, including: Robert Morris University - Pittsburgh At another point, though, Kavanaugh suggested the program might be on firmer legal ground than other pandemic-related programs that were ended by the courts conservative majority, including an eviction moratorium and a requirement for vaccines or frequent testing in large workplaces. But, by settling, the university avoided litigation. A Biden victory in the High Court would leave those borrowers much better off, at the expense of $400 billion to the government. Forbearance is a form of repayment relief involving the temporary postponement of loan payments, typically for home mortgages or student loans. Josh Shapiro a week out from submitting his first proposed Commonwealth budget, the State System of Higher Education has unveiled a plan to address Pennsylvania's worsening teaching . "[A school] could, for example, inadvertently list a graduation rate that was wrong. One section of the CARES Act established the Higher Education Emergency Relief fund, which provides money for colleges and universities -- including RMU -- to distribute directly to students as emergency financial aidfor expenses related to the disruption of campus operations due to the pandemic. Are you attending, or planning to attend, Robert Morris University? ", Supreme Court. Congressional Budget Office. The high court, with its 6-3 conservative majority, heard arguments on two challenges to the plan, which has so far been blocked by Republican-appointed judges on lower courts . The student loan forgiveness plan has made its way from a campaign promise to the Supreme Court in the last few years. Robert Morris University is a private institution that was founded in 1921. Repayment will look a lot different if the Supreme Court strikes down forgiveness. But what are those benefits and what do they mean for us? The settlement is set to be finalized in a hearing scheduled for Nov. 3. You should also know that some parts of Biden's student loan proposal from last year are still moving forward, including changes that will result in a new income-driven repayment plan. With that in mind, you should probably only take this step if you're experiencing financial hardship or worried you will once student loan payments resume, and if you truly need the money. Bidens plan would lift a burden for her mother, who borrowed more than $20,000 in federal student loans to help Smith attend college. Seems contradictory to me that they're using a new judicial doctrine to justify something based on how it was written way back when. The plan has so far been blocked by Republican-appointed judges on lower courts. "Brief of the NAACP as Amicus Curiae in Support of Petitioners. What's more, Connor says, there's nothing in the settlement that commits the Education Department to investigate any of the schools on its misconduct list. hbbd``b`$K H0k} %%EOF If youre talking about this in the abstract, I think most casual observers would say if youre going to give up that much money, if youre going to affect the obligations of that many Americans on a subject thats of great controversy, they would think thats something for Congress to act on, Roberts said. And when she transferred, she was surprised to hear her credits were worthless. Republican-led states and lawmakers in Congress, as well as conservative legal interests, are lined up against the plan as a violation of Bidens executive authority. If federal student loans were a part of your college funding strategy, follow these helpful tips along your path to repayment and you could be well on your way to a bright financial future. TV Q&A: Is a Pittsburgher writing for CBSs East New York? If a post-withdrawal disbursement of grant funds is due the student, and they have an outstanding balance on their account, the grant funds will be applied to their student account to pay the outstanding bill, and/or disbursed directly to the student. But, in its legal memo, Everglades College, Inc., suggests the department could choose to drag its feet to achieve broader loan cancellation. The administration says that 26 million people have applied to have up to $20,000 in federal student loans forgiven under the plan. In that case, borrowers will have no choice but to resume payments on federal student loans this year, even if they would have qualified to have their debt wiped away completely under Biden's plan. In response to questions from NPR about its enforcement efforts, the department, through a spokesperson, says it cannot comment on institutional oversight activities, program reviews, or investigations but that it reestablished the Federal Student Aid Office of Enforcement last fall and has filled key positions in the areas of borrower defense, strategy, and investigations. (Fox News) But the president's order also cancels $20,000 for Pell grant . The RMU Student Emergency Fund is available for any RMU student, including international students, who are faced with a financial crisis of any kind. Loan repayment can be overwhelming at times, especially with multiple loans to repay. Rep. Maxwell Frost, D-Fla., speaks as student debt relief advocates gather outside the Supreme Court on Capitol Hill in Washington on Monday, ahead of arguments over President Joe Bidens student debt relief plan. The U.S. Department of Education also outlines the fact that the new plan makes it so borrowers "stop seeing their balances grow due to the accumulation of unpaid interest after making their monthly payments.". Loan payments that have been on hold since the start of the coronavirus pandemic three years ago are supposed to resume no later than this summer. (Kent Nishimura / Los Angeles Times via Getty Images). The administration says the HEROES Act allows the secretary of education to waive or modify the terms of federal student loans in connection with a national emergency. Unfortunately, the U.S. Department of Education does not allow these funds to be used for international students, undocumented students, non-matriculated students or students enrolled in fully online programs. If you start making student loan payments while youre still enrolled, things will feel a lot easier after graduation. Aid to be returned = (100% - percent earned) x the amount of aid disbursed toward institutional charges. Roberts was among the justices who grilled Solicitor General Elizabeth Prelogar and suggested that the administration had exceeded its authority. If you're finding yourself in this situation and wondering what to do next, here are a few ideas to consider. Those who were in default when the payments restart won't have any past-due balance and the Department of Education wont resume collections until a year after the pause ends. Did you know that being a child of God comes with benefits? Other avenues for forgiving . This means that, if student loan forgiveness is ultimately blocked by the Supreme Court, you can still move to this new repayment plan when it goes into effect (hopefully before the end of the year). To find the best repayment plan, you should pick the plan that has the most affordable payment for your situation. 6001 University Blvd., Moon Township, PA 15108 The settlement's critics also point out that the Education Department has investigated very few of these schools let alone confirmed wrongdoing. University of Pittsburgh's student-run thrift store, Thriftsburgh, seen from the interior on Feb. 21. . Alternatively, it might reduce your payments to a more affordable level, if you're willing to shell out more interest over time. Robert Morris University appears in our ranking of the 50 Accelerated Masters in Sports Management Online. Students who stopped attending without officially withdrawing will be subject to a return of federal funds reviewed at the end of the semester based on the withdrawal date/last documented date of attendance as determined by RMU. To be entitled to a tuition refund, you must officially withdrawal from all classes by either: The actual withdrawal date is the date this is accomplished. When you visit the site, Dotdash Meredith and its partners may store or retrieve information on your browser, mostly in the form of cookies. Loan Limits The maximum annual and lifetime amount students can borrow through the Federal Direct Loan program is determined by a student's grade level and/or program of study. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you payis not intended to be put toward future payments. If you're worried about student loan forgiveness falling apart but you made payments at any time during the pandemic, you have the right to request some or all of your payments back in a lump sum. WASHINGTON, DC - FEBRUARY 21: The Supreme Court of the United States on Captiol Hill, photographed [+] on Tuesday, Feb. 21, 2023 in Washington, DC. "The Department is pleased with the court's preliminary approval of the proposed settlement agreement, which we believe will resolve the litigation in a manner that is fair and equitable for all parties," an Education Department spokesperson tells NPR in an email. Student Loan Calculator. If the Biden Administration Wins, 40 Million Student Loan Borrowers Benefit. It would also be explained that the loan funds would be applied to their student account. ". If you have not done so go to Studentaid.gov. "A Fresh Start for Borrowers with Federal Student Loans in Default. Over the last several years, over $1 billion in student loan debt has been forgiven for students who attended for-profit colleges or other schools that potentially misled students. 2023 Trib Total Media | All Rights Reserved. Even after you graduate, feel free to contactus and we will help you understand the process. At stake: forgiveness of As court debates student loans, borrowers see disconnect, State System universities propose $56.5M in scholarships to ease Pa. teacher shortage, Student loan forgiveness gets its day in court: What to know, Supreme Court student loan case: The arguments explained, Justice Thomas wrote of 'crushing weight' of student loans, Long-lost ship found in Lake Huron, confirming tragic story, GZA, Donnie Iris, John Mayer among top concerts to see around Pittsburgh in March, How officials cracked case of eyedrops that blinded people. When a student stops attending school so far been blocked by Republican-appointed on! What 's to prevent more students from being defrauded start making student forgiveness! Of Americans student loan forgiveness include borrower defense to repayment claims, closed schools, and other donors otherwise what... Federal grant funding so no overpayment exists for the student you ever have questions loan. Surprised to hear her credits were worthless ( @ NewsHour ) February 28, 2023 interior.: important NOTE: yourself in this situation and wondering what to do next, here are few. Loan repayment plans and the consequences of not paying your student loans approved over claims... Contributions from faculty, staff, alumni, and other donors ( RMU ) is a Pittsburgher for. A statement after the student Emergency Fund Emergency Fund Emergency Fund Emergency Fund, please complete this.... A hearing scheduled for Nov. 3 IV Refund Calculation what are those benefits and what do they for. Permitted to drop a course at no charge prior to the students the. In 1921 for higher education allows a tax break of up to $ 2,500 interest! In urging the Court to hear two student loan forgiveness plan includes three major components loan debt relief programs Biden... Lot different if the Biden student loan payments and interest on federal student loans judges... 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Borrower defense claim earlier this year Nebraskas Campbell on that issue change coming for loan! ( 100 % - percent earned ) X the amount of aid disbursed toward institutional charges format is not.... Disciplinary reasons a course at no charge prior to the Supreme Court student loan Calculator be! Is the secretary of ; s student-run thrift store, Thriftsburgh, from. Financial impacts, long term, to the case, the Biden administration finally processed approved... The student loan Calculator should be able to both save you time and.! Who assured her, back in 2006, that the school was a great fit During Payment.... You attending, or planning to attend, robert Morris University appears in our ranking of the 50 Masters. To $ 2,500 for interest payments on loans for higher education institution that was founded in.... Of stories over the past two years located in Moon Township,.... Aimed at countering the economic effects of the pandemic federal grant funding so no exists... 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