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Healthcare During The Pandemic

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The Pandemic Changed Health Care, And There's No Going Back


The pandemic changed health care, and there's no going back


The pandemic changed health care, and there's no going back

This story is part of The Year Ahead, CNET's look at how the world will continue to evolve starting in 2022 and beyond.

If the pandemic has taught us one thing, it's how to take our health into our own hands. 

We've become our own triage nurse, analyzing a sore throat with such urgency that, in another time, would've been considered a little obsessive. We've been asked to monitor our temperatures and even become citizen public health surveyors with the help of at-home COVID-19 tests. But one day (hopefully soon), the consequences of leaving the house with a sore throat won't mean we're risking someone's life. Soon, our physical health will remain a core piece of our well being, but we'll shake the neurosis of a pandemic mindset – hopefully, keeping our newfound sensitivity to public health and a desire to not harm others in the process.

But will our health care system?

"The pandemic accelerated a lot of changes that were kind of percolating in the background," says Matthew Eisenberg, associate professor of health policy and management at Johns Hopkins Bloomberg School of Public Health. Eisenberg studies how neoclassical economics ("supply and demand") applies to health care. While COVID-19 "catalyzed" many of the changes -- and inequities -- already budding in health care, he said, it will be up to policy makers as well as the supply-and-demand cycle of health care to decide what sticks and what doesn't.

Telemedicine: a thing of the past, or the future?

Video-calls-as-doctor's-visit wasn't a tool created because of COVID-19, but the pandemic has transformed it from an obscure practice to the new way to do health care. Importantly, policy changes made during the pandemic helped knock down some barriers for telemedicine access, and helped providers get paid for it.

Private insurance companies as well as public payers (i.e. Medicare) relaxed their policies on telemedicine reimbursement for health care providers because of COVID-19. As more health care providers get paid for telemedicine (which gives them incentive to provide it), the more supply there is for patients, Eisenberg says. 

"Prior to the pandemic, the only way a Medicare provider could be reimbursed for telemedicine would be if a patient was in a rural area where they could not physically travel to a provider," he says. "Even then, they had to go to a specialized facility and do the telemedicine at some out-patient facility's computer." 

Even through a computer screen, there are roadblocks to accessing health care. Before COVID-19, some patients, depending on where they live and what medical condition they have, would need to drive across state lines to access a specialist (which requires an amount of time and money many patients don't have). The loosening of interstate licensure laws during the pandemic has allowed people to connect with a doctor miles away, and even fill a prescription across state lines. 

Dr. Megan Mahoney is a family medicine doctor and the chief of staff at Stanford Health Care. Stanford Health Care, along with many other providers and organizations, have advocated to keep those restrictions loose once COVID-19 is no longer a public emergency, and the emergency rules no longer apply.

"We have noticed that there are states that don't have a single pediatric endocrinologist," says Mahoney. These specialists treat children with diabetes, for example. "We have a whole team of pediatric endocrinologists."

But in order to participate in telemedicine, you need an internet connection. Mahoney called the bipartisan infrastructure bill, which has a $65 billion budget for expanding internet access to rural communities and helping families pay their internet bill, a "tremendous" help in health care access. In the new virtual health landscape, access to broadband is a "social determinant of health," she says. Some policies and benefits put into place during the pandemic to help families access the internet, like the Emergency Broadband Benefit, were temporary. As broadband continues to mold in its form as a public good, its relationship to health care access will only strengthen.

gettyimages-906006600
FS Productions/Getty Images

Sliding into your doctor's DMs

In addition to telemedicine, the pandemic also gave us nearly unlimited access to our doctors' inbox through the patient portal. According to a report published in JAMA, which looked at instant messaging data between patients and their providers from March 2020 through June 2021, the number of patient messages increased, despite fewer patients seeking care in some specialties.

"The sheer demand that we're seeing is very much a testament to the patients' desire for this new channel of care," Mahoney says.  

Even older patients, whose relationship with technology sometimes gets a bad rap, are sending their doctors messages and embracing telemedicine, she says. 

"That was what propelled and accelerated the transformation," Mahoney says. When elderly people, who were originally reluctant to use telemedicine, were forced to use it in order to get care during the lockdown, "that helped them get over that hurdle." 

"What I've noticed is the digital divide, while we do need to be aware of it, it can be overcome and sufficiently addressed through additional education," she says. 

Some of that education for patients requires medical assistants to take on tech support roles. In addition to taking blood pressure and temperature when patients come into the room, they also need to make sure patients are comfortable signing into their patient account and feel comfortable with the technology, according to Mahoney. 

That shift in the patient-provider dynamic, and more direct access to care, is necessary to maintain a system Mahoney says can help people get early intervention and, hopefully, prevent visits to the emergency room.

Many of the messages Mahoney receives from patients involve correcting misinformation patients have heard about COVID-19 -- the type of preventative, education-based work that the current health care structure "does not support," she says. For example, sustaining a more thorough patient-doctor messaging system would require providers be paid for their time consulting with patients off-hours. It also requires online communication to be in the patient's language – a barrier for many people in the US who don't speak English or speak it as a second language. 

"I hope that health care can keep up with this cataclysmic shift that's happening," Mahoney said. "It will have to."

There are arguments against telemedicine as the end-all-be-all. Dr. Thomas Nash, an internist in New York City, told The New Yorker in a June 2020 report that though telemedicine is "doable...I worry that it's going to delay a good exam, and get in the way of deeper interactions between people and their doctors." The informal setting of telehealth may also be less likely to pick up on big issues which routine in-person exams would normally detect, such as high blood pressure, California Healthline reported. And it's more difficult to build an open relationship with your doctor through a screen than it is when you're sitting in their office.

But that also assumes people had a relationship to lose in the first place. As of Feb. 2019, one year before the pandemic began, about one fourth of all adults and half of all adults under 30 didn't have an ongoing relationship with a doctor, according to a report from the Kaiser Family Foundation. This is also a group that shows a strong preference for telehealth, and is the target audience for pre-pandemic care-on-demand services, including Nurx, which allows people to get birth control prescriptions and other medications online, sister sites Hims and Hers, Curology and more.

vaccine-approval-children-5-to-11-years-old-fda-emergency-use-authorization-2021-cnet-001
Sarah Tew/CNET

The great vaccine race 

Scientists impressed the world by moving quickly to develop highly effective COVID-19 vaccines in record time – doses of Pfizer and BioNTech's vaccine, with Moderna's authorized right behind it, were available to the first round of eligible adults in the US less than a year after the the country went into lockdown. According to Nature, the fastest anyone developed a vaccine was for mumps in 1960, and that took four years from development to approval (Pfizer's vaccine for people age 16 and up has full approval by the US Food and Drug Administration, while Moderna and Johnson & Johnson have emergency use authorization). While there's much left to be desired about how the vaccines are distributed and accessed by populations in countries outside the US (only 8.9% of people in low-income countries have had a coronavirus shot), an estimate from the Yale School of Public Health reports the vaccines have saved about 279,000 lives and prevented 1.25 million hospitalizations a s of early July 2021. 

Part of the reason the vaccines were developed so quickly was because research on the technology they use was already underway (the mRNA vaccines were developed using information from HIV research). While the global society has shown we can be very efficient at producing effective and safe vaccines, don't get your hopes up too high that it'll happen that fast again, says Michael Urban, an occupational therapist and program director at the University of New Haven.

"The thing people have to remember is that the federal government pumped tons and tons of money into this development," says Urban. "Globally, not just the United States." 

One reason for that is because COVID-19 had such a prominent impact on our economy. "The fact that this [vaccine] came out is because this is disrupting the fabric of life," Urban says. "How we make money, how we engage with people – how we enjoy our lives."

While it's tempting to hope that because scientists banded together to create a vaccine for COVID-19 and the US government helped fund much of that work it will usher in more resources to find preventative measures and treatments for other diseases, it's unlikely. The incentive for the government to subsidize research and development of treatments for other things that are more individualized, such as cancer or HIV, Urban says, might not be as strong, which leaves it up to the drug companies themselves. And without a public health emergency as transmissible and widespread as COVID-19, it's unlikely drug companies will pour quite as much time and effort into finding treatments.

And when addressing a drug company that profits "billions off of cancer treatments," for example, is it really in the best interest of the company to find an effective preventative measure? 

"If they can do one shot and get rid of cancer, is it really in their best interest?" Urban says. "I hate to say that," says Urban.

Two steps forward, two steps back

In addition to propelling us into trends that've been helpful in health care, the pandemic has magnified our shortcomings and has disproportionately affected the same people who have been mistreated by the medical system for years. Black and Hispanic Americans have been hospitalized with COVID-19, and died from the disease, in much greater numbers compared to white Americans.

Dr. Shantanu Nundy, a primary care physician and author of the book Care After Covid: What the Pandemic Revealed Is Broken in Healthcare and How to Reinvent It, told NPR in a May 2021 report that the pandemic scramble to find a testing site, get a vaccine appointment or access preventative care exposed those who might not have ever experienced it to the perils of health care. 

"The pandemic magnified long-standing cracks in the foundation of the US healthcare system and exposed those cracks to populations that had never witnessed them before," said Nundy in the NPR interview.

Another weak spot exposed because of COVID-19 was the US public health response, and its subsequent communication to the public about what to do when you're sick. When the pandemic struck, public health agencies were relying on "old methodologies" in terms of quarantine requirements and testing rules for COVID-19, Urban says. Compared to other countries, we have issues with containment and quarantine restrictions that don't always prevent people from spreading the virus, he says. The CDC's latest isolation guidance for people who test positive for COVID-19, for example, has been criticized by some for being too relaxed and not requiring a negative test.

In the US, there's a one-and-done mentality. "You do a one-time test, you're cleared," Urban says. "Have a nice day." 

When the next pandemic happens, he says the US is likely still not set up with the structure and tools needed to respond appropriately to a public health emergency. "We didn't learn from the Spanish flu," Urban says. 

An early December report from the Global Health Security Index, an assessment of health security across the globe developed by the Johns Hopkins Center for Health Security and the Economist Impact, backs that up. According to the report, 195 countries across the globe are "dangerously underprepared for future epidemic and pandemic threats, including threats potentially more devastating than COVID-19." 

But importantly, the blame isn't solely on public health agencies, Urban says. The CDC, for example, is "under pressure" to get people back to work and everyday life, Urban says. To do so, the agency has to work within US federal law and the vastly different state and local laws which govern what we can and can't expect people to do.

Looking forward

As we move away from the immediate threat of COVID-19, our appreciation for mental health care is likely to stay. Eisenberg says that we may see specialized mental health services, including some practices that are virtual-only, and some that are a hybrid of in-office and virtual visits. There may also be a shift away from medication treatments for mental health conditions and more provider-focused psychotherapy, Eisenberg finds. 

"It's a small shift, but that could have big implications down the road," he says.

While there are structural and policy changes needed to ensure everyone has autonomy over their health, the pandemic has shifted the way care providers approach health care. Now more than ever, there's an emphasis on public health. 

In an interview with the American Medical Association, Nundy explained the framework he believes is necessary to progress health care after the pandemic. Through the course of the pandemic, Nundy said, doctors "built a muscle" for operating with public health in mind. 

"Let's take that muscle and let's start applying it to diabetes, let's start applying it to mental health," Nundy said. "So much more is possible." 

Correction, Jan. 14: The original version of this story misspelled Shantanu Nundy's last name. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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Is The US Job Market Still Strong? Answers To Your Questions About Employment


Us job market news job market in the us how is the job market today what is the job market like now how is the job market now current us job market marketing lecturer job us us gov jobs is the us running out of diesel is the queens dead
Is the US Job Market Still Strong? Answers to Your Questions About Employment


Is the US Job Market Still Strong? Answers to Your Questions About Employment

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

What's happening

The job market appears to be holding with a 3.5% unemployment rate, but more layoffs are happening.

Why it matters

If the Federal Reserve continues to raise interest rates to slow the economy, we may face a recession, prompting more businesses to downsize or shutter.

What it means for you

Knowing the factors driving the job market now can help you decide your next career and money moves.

Earlier this summer, during a live television interview, a news anchor asked me point-blank if we could have a recession with such a low unemployment rate. 

Being quick on my feet, I said, "That's a good question," and deflected by talking about the state of inflation. (I'm such a pro.)

Many key indicators suggest the economy is on the verge of a recession, including high inflation, a drop in consumer sentiment, a volatile stock market, rising interest rates and a tight housing market for both buyers and renters. The latest monthly jobs report is still at odds with those figures, with the unemployment rate dipping slightly to 3.5%, which is a pre-pandemic low. Nonetheless, layoffs are starting to become more widespread. And if you ask most Americans, they'll tell you a downturn is already here.

That question from the news anchor puzzled me for days. It speaks to how perplexing the US economy is at this moment, even for someone like me, who's been covering personal finance for over two decades. 

I went searching for answers. Here's what I learned about recession fears, interest rate hikes, layoffs and more employment-related questions. 

I'm hearing about more layoffs and hiring freezes. Is the unemployment rate still low?

News about layoffs is definitely trending. Job losses are primarily concentrated in the tech, mortgage and housing industries, which have slowed considerably due to a drop in consumer spending or rising interest rates. In recent weeks, major companies, including Wayfair, Apple and Walmart, have announced downsizing and cutbacks. 

And still, across the spectrum, the number of job openings is almost double the number of unemployed job seekers. In June, there were 10.7 million jobs available, with widespread job growth. Recorded layoffs have remained steady, between 1.3 million and 1.4 million each month since the beginning of 2022. 

That could change, of course, and there are signals that the job market is cooling a bit. Filings for unemployment benefits have been going up, recently reaching their highest level this year.

It may just take longer for the unemployment rate to catch up to other lagging data points we're seeing at the moment. "The labor market is one of the last indicators to show real stress," said Liz Young, head of investment strategy for SoFi. 

Many big employers earned record profits during the pandemic, providing them with a larger buffer than in previous business cycles to absorb inflation or a slowdown in spending, Young pointed out. Additionally, companies will first try other cost-saving measures like reducing spending on marketing and hiring freezes. "They're going to try to cut costs when they can before having to lay off the workforce," she said.

How do interest rate hikes weigh on the job market?

When the Federal Reserve raises interest rates, as it has several times since the start of the year, borrowing becomes more expensive for everyone, including businesses relying on credit financing to grow. When the cost to carry debt jumps, businesses may decide to reduce operating costs -- that is, cutting staff -- to afford the higher interest burden. 

In short, steeper interest rates can lead to more financial challenges for business owners, which can then lead to layoffs and higher levels of unemployment.

I took time out of the workforce during the pandemic. How good are my job prospects?

Certain industries are hiring more than others but, generally, this is a job-seeker's market. Leisure and hospitality, professional and business services and healthcare added most of the jobs in July. 

If you're a woman, it's not surprising that you took time out of the workforce during the pandemic. Employers should understand gaps on resumes dating back to 2020. More women lost their jobs that year than men: Between January and December of 2020, 2.1 million women left the labor force, nearly half of whom were Black and Latina, based on an analysis by The National Women's Law Center.

And although some women are still struggling to return due to family constraints and difficulties with work-life balance, a promising new paper suggests that women have made quite a comeback. In her research for the Brookings Institution, Lauren Bauer, a fellow in economic studies, discovered that women between the ages of 25 and 44, most with a college degree, had returned to their pre-COVID labor participation levels.  

"There is something to be said for women taking the past couple of years on the chin and not accepting that this was going to change the trajectory of their lives," Bauer told me. Given how hard their lives have been, they've been "much more proactive about staying on track for themselves and their children in a way we couldn't have predicted."

Can I ask for a raise in these uncertain times?

This depends on the financial health of your company, but given the fact that there are so many job openings compared to job-seeking applicants, the power could be tilted a bit more toward workers. 

"My guesstimate is that wages have some momentum and that … workers still do have a fair amount of bargaining power," says Jesse Rothstein, professor of public policy and economics at the University of California, Berkeley.

About half of workers say they've received a pay bump in the last year, although it's not been enough in the face of inflation.  

Here's my take: Rather than worry about the uncertainty in the economy, focus on the financial health of your company to gauge whether making more money would be possible this year. If your company implemented a hiring freeze or has cut back on expenses, this may be a precarious time to ask for a raise. On the other hand, if your employer has had a profitable 2022 so far (you can look up the earnings reports if it's a public company or ask a colleague in finance or accounting for insights), this may be a ripe opportunity to petition for a salary bump. 

Read more: Is Now a Good Time to Ask for a Raise?

If I get laid off, how long will it take to find a new job?

The average amount of time that someone was collecting unemployment insurance in June was 22 weeks. In theory, that means some job seekers were able to find new employment in about four and a half months. Still, this is an imperfect measure since some job seekers are cut off from jobless benefits before they've landed a new job. Experts say many long-term unemployed workers are undercounted in official employment numbers.

How should I prepare for a potential layoff? 

Focus on the decisions that are within your control, including communicating with your employer now about how you can continue to help add more value, productivity and possibly revenue in these tricky times. Mind your own personal finances by saving and paying off high-interest debt, reviewing your goals and doing your best to create security in both good times and bad.

Can there be a recession if the job market is relatively healthy?

The National Bureau of Economic Research makes the official call of a recession, taking into account the health of the job market in addition to other economic indicators, such as retail sales, industrial production and personal income growth. Historically, the most severe recessions have been marked by widespread layoffs and cyclical unemployment, which is a slump in hiring demand. 

Nonetheless, deciding if, when or how the recession will play out is not the best use of someone's time. "I think this is mostly a semantic argument," said Rothstein. 

Alas, this is what I wish I'd said on the television appearance. I did better the second time around.


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Why Did My Student Loans Disappear?


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Why Did My Student Loans Disappear?


Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.


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Why Did My Student Loans Disappear?


Why did my student loans disappear why did my student loans close why did my student loan servicer change why did my student loan get transferred why should student loans be forgiven why did my student loan get transferred why did my student loan payment increase why did my student loan account close why did my computer restart why did my mouse disappear why did my cat throw up why did my computer crash why didn t they ask evans why did i get married why did boris resign why did pernell roberts leave bonanza

Why Did My Student Loans Disappear?


Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.


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New M2 MacBook Pros To Enter Production Soon, Analyst Predicts


New M2 MacBook Pros to Enter Production Soon, Analyst Predicts


New M2 MacBook Pros to Enter Production Soon, Analyst Predicts

Apple will include its new M2 processor in upcoming 14-inch and 16-inch models of the MacBook Pro, which will hit production in the coming weeks, Ming-Chi Kuo, an Apple analyst known for his reliable predictions, said Monday.

Apple revealed the M2 chip at WWDC in June, saying the new chip would be an upgrade from the M1, which marked a new era for the company as it transitioned away from Intel processors for its computers. So far, Apple has released its 13-inch MacBook and MacBook Air using the newest chip, but it didn't provide details on when its larger MacBook Pros with the M2 processor would start rolling out. 

Kuo tweeted that production will happen in the fourth quarter of 2022. But it's not clear if he's referring to Apple's fiscal fourth quarter that ends in September -- or to chipmaker Taiwan Semiconductor Manufacturing Company's fourth quarter that ends in December. In July, a Bloomberg newsletter predicted that the new MacBooks would launch in fall 2022 or spring 2023, as reported by 9to5Mac. 

The M2 processor is 18% faster than the M1 while not affecting battery life. The M2 also features a memory boost of 24GB, up from 16GB. 

Apple's next event is set for Sept. 7 , which may be when the company shows off the larger MacBook Pros and the iPhone 14

Apple didn't respond to a request for comment.

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Apple has set the date for its latest iPhone's debut. The new device, which is expected to be called the iPhone 14 and include an always-on display, will be unveiled on Sept. 7 at 10 a.m. PT (1 p.m. ET). Rumors suggest the new iPhone lineup will nix the Mini in favor of a new Max model, joining the rumored iPhone 14 Pro and iPhone 14 Pro Max, and potentially increase the price by about $100 over last year's. Apple may also have plans to excise the iPhone 14's notch in favor of a hole-and-pill-shaped front camera, at least for the Pro models. 

In addition to the iPhone 14, Apple's may also use the event to unveil the Apple Watch Series 8, which will reportedly look similar to last year's model but have more health features such as a fever sensor, as well as improved durability.

The tech giant has invited press to its Apple Park headquarters in California for the event, though it'll also offer a livestream on Apple.com and other streaming services. As is typical, Apple didn't say much in its invitation about its upcoming iPhone event. The invitation shows an Apple logo seemingly set in a night sky, suggesting potential camera improvements or last year's rumored satellite emergency calling. The image looks like something we might see from the James Webb Space Telescope, whose stunning photos have already begun changing how we see the cosmos since first being released earlier this summer. In its announcement, Apple included the teaser words "Far out." 

Read more: How to Watch the iPhone 14, Apple Watch Series 8 Launch

The new features for both the iPhone 14 and Apple Watch 8 may help Apple stand out from Samsung and other device makers during what is expected to be heightened competition this year. People have been cutting back on tech purchases, leading to surprisingly low sales reports from chipmaker Intel, as well as sudden ad business shortfalls for Google parent Alphabet and Facebook parent Meta. And they're not alone.

Our collective confidence in the economy has fallen through the floor, thanks to the ongoing coronavirus pandemic mixed with continual inflation and a looming recession. One survey from the University of Michigan found that consumer sentiment is at its lowest point in at least 70 years.

That means Apple will have to fight even harder to win over new iPhone owners. Samsung, for its part, made Apple's job a little easier by announcing its flagship Galaxy Z Fold 4 and Galaxy Z Flip 4 at their standard prices of $1,800 and $1,000, respectively, earlier this month. It also raised the prices of its Galaxy Watch 5 and Galaxy Buds 2 Pro by $30 apiece. 

Apple so far isn't acting worried. Over the past couple of years, Apple's notched its biggest revenue and profits each holiday shopping season, largely on the popularity of 2021's iPhone 13 and 2020's iPhone 12. Apple CEO Tim Cook has previously cited the advanced cameras, long battery life and well-regarded software as reasons people continue choosing iPhones. But he also said that 5G, the super-fast wireless technology Apple began using two years ago, is likely to push even more people to upgrade.

"5G has been an accelerant," he said when speaking to investors on a conference call last month. He added that although the technology is spreading through some places, like China, the EU and US, other parts of the world haven't begun using it as much. And so as 5G expands, he said, "I think there's reason to be optimistic."

While the iPhone will be a key product we see at Apple's event this year, and likely what most people focus their attention on, the company's expected to have other devices to show off. Those include new Mac computers with upgraded chips and new iPads.


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Tips To Find The Right Therapist For You


Tips to Find the Right Therapist For You


Tips to Find the Right Therapist For You

The world throws a lot at you -- work, school, family and personal responsibilities. Stress and exhaustion can debilitate your physical and mental health. Talking to a trained professional is one way of relieving your burdens. 

Due to the recent pandemic, the number of adults seeking therapy has skyrocketed. According to a survey conducted by the American Psychological Association in November of 2020, 74% of psychologists surveyed reported seeing more patients with anxiety, and 60% are seeing more patients with depression than before the start of the pandemic. 

You aren't alone, and equally, you don't have to carry this weight on your own. Here is how to find the best therapist in your area.

Read more: Best Online Therapy Services

Most common types of therapy

There are five main approaches to therapy: psychoanalysis, behavior, cognitive, humanistic and integrative. Within these five main categories, there are many specific types of therapy you might encounter. Here are the most common:

Cognitive Behavior Therapy : Therapy that identifies thought patterns that lead to negative feelings. CBT also teaches positive coping skills. It is used to treat a wide range of conditions like depression, anxiety, substance abuse and eating disorders.

Dialectical Behavior Therapy : This method focuses on regulating heavy emotions, connecting with others, finding healthy coping skills and integrating mindfulness. DBT is often used to treat borderline personality disorder in women, eating disorders and severe depression. 

Client-Centered Therapy : This is a type of psychotherapy where the therapist doesn't give advice but rather offers great compassion, positivity and empathy. Through this process of talking and support, clients become self-aware. CCT is used to treat lots of conditions such as depression.

Psychodynamic Therapy : This type of talk therapy aims to find the psychological root of the problem or ailment while deeply understanding emotions. It is rooted in the idea that through talking about problems, clients can self-reflect and develop coping skills. It is often used to treat stress, anxiety and depression.

Read more: What Is Cognitive Behavioral Therapy?

Finding the best therapist

Two men seated facing one another talking.
Getty Images

Beginning your healing journey may seem daunting, but the hardest part is knowing where to start. You have options and plenty of resources at your fingertips.

Here are a few starting places to consider.

Word of mouth 

Ask your family and friends, peers and colleagues for recommendations. Word travels fast about the best therapists in the area. 

Your healthcare provider 

Oftentimes, your healthcare provider will have a mental health unit. Look at the directory or ask your primary physician. 

Online resources

The most common means for finding a mental health professional is a quick Google search of therapists available in your area. If those results get too overwhelming, here are some tools that break it down for you. 

Specialized resources:

Local groups

You can look into local resources if you have depleted your online options. Your school, church, community or workplace might have connections to professionals in the area or in online programs (often at a discounted rate, especially if it is through your university or place of work). 

Local support groups are another great way to not only connect with a trained physician but others in similar situations. You can locate local support groups through Mental Health America and Psychology Today.

Read more: Best Mental Health Apps

Narrowing the search 

You have found a few individual therapists after much searching -- now what? How do you know if one is a better fit for you than another? Here are a few aspects to consider before booking the first appointment with a new therapist:

Are they well-versed in your area of concern? 

Choose someone who has experience treating your condition, whether that be grief, trauma, anxiety or depression. 

Do they serve your age group?

Look for their area of expertise; some therapists only take child clients. 

Are they covered by insurance?

Some practitioners are covered by Medicare or Medicaid or other private insurance providers. If you are worried about paying out of pocket, find out if your insurance covers your sessions. 

Do they speak your preferred language?

Your comfortability is key. The right therapist for you will speak the language you feel most at ease with. 

Is your therapist right for you?

A person talking with a therapist
Getty Images

You finally found a therapist that you like and scheduled your first session. There is still a chance that this professional may not be the perfect fit for you. During your first or second appointment, ask yourself:

Am I comfortable sharing personal information with this person?

Do I feel truly understood and heard?

Will this person help me reach the goals I have set for myself?

Does this person validate my experiences?

Do I feel as if I am the center of our conversations?

If you answer "no" to any of these questions, chances are this therapist isn't a good fit for you. It might take a few tries to find the right one. 

Remember that therapy will not always be comfortable, but you need to make sure your provider creates a space that is welcoming. There is no shame in having to tell a professional that you may not be a good match, and they should do the same for you. Repeat these steps as many times as you wish until you find the best therapist for you. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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Tips To Find The Right Therapist For You


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Tips to Find the Right Therapist For You


Tips to Find the Right Therapist For You

The world throws a lot at you -- work, school, family and personal responsibilities. Stress and exhaustion can debilitate your physical and mental health. Talking to a trained professional is one way of relieving your burdens. 

Due to the recent pandemic, the number of adults seeking therapy has skyrocketed. According to a survey conducted by the American Psychological Association in November of 2020, 74% of psychologists surveyed reported seeing more patients with anxiety, and 60% are seeing more patients with depression than before the start of the pandemic. 

You aren't alone, and equally, you don't have to carry this weight on your own. Here is how to find the best therapist in your area.

Read more: Best Online Therapy Services

Most common types of therapy

There are five main approaches to therapy: psychoanalysis, behavior, cognitive, humanistic and integrative. Within these five main categories, there are many specific types of therapy you might encounter. Here are the most common:

Cognitive Behavior Therapy : Therapy that identifies thought patterns that lead to negative feelings. CBT also teaches positive coping skills. It is used to treat a wide range of conditions like depression, anxiety, substance abuse and eating disorders.

Dialectical Behavior Therapy : This method focuses on regulating heavy emotions, connecting with others, finding healthy coping skills and integrating mindfulness. DBT is often used to treat borderline personality disorder in women, eating disorders and severe depression. 

Client-Centered Therapy : This is a type of psychotherapy where the therapist doesn't give advice but rather offers great compassion, positivity and empathy. Through this process of talking and support, clients become self-aware. CCT is used to treat lots of conditions such as depression.

Psychodynamic Therapy : This type of talk therapy aims to find the psychological root of the problem or ailment while deeply understanding emotions. It is rooted in the idea that through talking about problems, clients can self-reflect and develop coping skills. It is often used to treat stress, anxiety and depression.

Read more: What Is Cognitive Behavioral Therapy?

Finding the best therapist

Two men seated facing one another talking.
Getty Images

Beginning your healing journey may seem daunting, but the hardest part is knowing where to start. You have options and plenty of resources at your fingertips.

Here are a few starting places to consider.

Word of mouth 

Ask your family and friends, peers and colleagues for recommendations. Word travels fast about the best therapists in the area. 

Your healthcare provider 

Oftentimes, your healthcare provider will have a mental health unit. Look at the directory or ask your primary physician. 

Online resources

The most common means for finding a mental health professional is a quick Google search of therapists available in your area. If those results get too overwhelming, here are some tools that break it down for you. 

Specialized resources:

Local groups

You can look into local resources if you have depleted your online options. Your school, church, community or workplace might have connections to professionals in the area or in online programs (often at a discounted rate, especially if it is through your university or place of work). 

Local support groups are another great way to not only connect with a trained physician but others in similar situations. You can locate local support groups through Mental Health America and Psychology Today.

Read more: Best Mental Health Apps

Narrowing the search 

You have found a few individual therapists after much searching -- now what? How do you know if one is a better fit for you than another? Here are a few aspects to consider before booking the first appointment with a new therapist:

Are they well-versed in your area of concern? 

Choose someone who has experience treating your condition, whether that be grief, trauma, anxiety or depression. 

Do they serve your age group?

Look for their area of expertise; some therapists only take child clients. 

Are they covered by insurance?

Some practitioners are covered by Medicare or Medicaid or other private insurance providers. If you are worried about paying out of pocket, find out if your insurance covers your sessions. 

Do they speak your preferred language?

Your comfortability is key. The right therapist for you will speak the language you feel most at ease with. 

Is your therapist right for you?

A person talking with a therapist
Getty Images

You finally found a therapist that you like and scheduled your first session. There is still a chance that this professional may not be the perfect fit for you. During your first or second appointment, ask yourself:

Am I comfortable sharing personal information with this person?

Do I feel truly understood and heard?

Will this person help me reach the goals I have set for myself?

Does this person validate my experiences?

Do I feel as if I am the center of our conversations?

If you answer "no" to any of these questions, chances are this therapist isn't a good fit for you. It might take a few tries to find the right one. 

Remember that therapy will not always be comfortable, but you need to make sure your provider creates a space that is welcoming. There is no shame in having to tell a professional that you may not be a good match, and they should do the same for you. Repeat these steps as many times as you wish until you find the best therapist for you. 

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.


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