Rockin Robin SongFlying The Web For News.
RobinPost Logo Amazon Prime Deals





Consumer Daily Reports

Credit ratings affect every aspect of modern life and a default is extremely damaging to employment prospects

By James R. Hood of ConsumerAffairs
September 25, 2025

Whether it's the pandemic or a weak job market or poorly conceived political protests, student loan collections are way down.Roughly a third of student loan borrowersthat's about 5.4 million people are behind in their payments. The amount in question comes to about $1.7 trillion, just slightly down from the record reached in April.

The most immediate result of the missed payments is massive damage to the borrowers' credit ratings. It's easy to say you don't care about your credit rating because you're not going to be buying a house anytime soon but credit ratings affect just about everything, including job prospects.

Some states prohibit employers from looking at applicants' credit scores but, realistically, once data exists, it is likely to find its way to anyone willing to pay for it. Many students and former students say they can't pay because they don't have a job but with employers checking scores, that becomes a self-fulfilling prophecy.

There may be a touch of over-confidence at play here. For several years during the pandemic, the government granted forbearance, meaning borrowers could take a break from payments. But those days are over and the Education Department has restarted collection efforts.

TransUnion, one of the big three credit bureaus, reports that prior to the pandemic, only about 12% of loan recipients were delinquent. Now the figure is 29% and collection pressures are growing. That's a lot of consumers whose credit ratings are in the tank. A serious loan delinquency can drag a credit score down by as much as 60 points or more. Those who had a super-high score can lose as much as 170 points, according to anecdotal reports.

Tax refunds at risk

Many people who have fallen on hard timeslaid-off federal workers, for examplemay be hoping their income tax refund next year will help them get back on track. Maybe so, but it may not be voluntary. Collection officials say that when a loan is more than 270 days overdue, it goes into default status, which kicks off involuntary collection activity. That means wage garnishments and seizure of tax refunds, with added penalties and interest that might be avoided if the loan is paid off before tax time.

Many borrowers say they are prioritizing their debt service, paying mortgages and car payments first and putting student loan payments somewhere farther down the list. Financial advisors say this is a bad idea and can cause many more problems than borrowers may realize. Bankruptcy, the last resort when finances collapse, isn't an option for student loans, which are federally guaranteed and therefore immune from bankruptcy rules. It may not be fair, but that's the law.

What to do

The consensus among financial advisors is that a student loan defaultis akin to your house being on fire. It's an emergency and requires that you drop everything else and take immediate action. Some people think that not paying can be an effective political protest but it can also be a personal disaster that you never recover from. Here are some key steps for consumers who are in default or about to go into default on their student loans:

Contact Your Loan Servicer Right Away: If your student loan payment is one day late, your account is delinquent. If it stays delinquent, it will go into default. To prevent default, contact your loan servicer right away. This is the single most important step - don't wait or ignore the problem.

Explore Temporary Relief Options: Before default occurs, borrowers can request deferment or forbearance. Under certain conditions, you can receive a deferment or forbearance on your federal loans, as long as the loan is not in default. However, receiving a forbearance is not automatic. The borrower has to contact the loan servicer to request a forbearance.

Available relief programs

Deferment: A deferment allows you to temporarily stop making payments on your federal student loans. If you have Direct Subsidized Loans, you are not charged interest during deferment periods.

Forbearance: Forbearance tends to be more broadly available than deferment. Currently, borrowers have over 30 forbearance options. These include general forbearances for financial hardship that can last up to 12 months initially and up to three years cumulatively.

Professional guidance

Financial advisors emphasize getting proper guidance rather than relying solely on loan servicers. Your Financial Advisor can work with your tax advisor to evaluate if any loan forgiveness you receive would be taxable. While your loan servicer is an important point of contact, understand that they are serving as your loan institution's advocate, not yours.

Emergency contacts

For immediate help, borrowers can contact the U.S. Department of Education at 1-800-621-3115, and there are free resources available through organizations like TISLA (The Institute of Student Loan Advisors) for no-cost guidance.

The overarching message from financial experts is: act quickly, communicate with your servicer, explore all available relief options, and seek independent advice to understand your full range of options before default occurs.




Posted: 2025-09-25 15:04:58

Get Full News Story On Consumer Affairs



Listen to this article. Speaker link opens in a new window.
Text To Speech BETA Test Version.



More News From This Category
Consumer News: Big boots to fill: Why more kids are looking at careers in the trades
Tue, 30 Jun 2026 19:07:09 +0000

Skilled trades are becoming a first choice, not a backup plan

By Kyle James of ConsumerAffairs
June 30, 2026
  • More kids are eyeing the trades: Seven in 10 Gen Alpha children familiar with skilled trades say they'd consider a blue-collar career.

  • Demand remains strong: Electricians, plumbers, welders, and HVAC technicians can earn solid pay without taking on major student debt.

  • Explore careers early: Summer camps, apprenticeships, trade schools, and job-shadowing can help students find the right path.

For decades, many parents viewed a four-year college degree as the default path to success. But a new survey suggests today's kids may have different ideas.

The survey, commissioned by Red Wing Shoes, found that 70% of Gen Alpha children who are familiar with blue-collar careers say they would like to work in the trades when they grow up. The research also found that 85% of kids are interested in hands-on work, while 70% of parents would support a child pursuing a trade career.

Popular career choices included construction worker, electrician, welder, carpenter, and firefighter.

The findings arrive as many employers struggle to find enough skilled workers. Electricians, plumbers, HVAC technicians, welders, and other tradespeople remain in high demand across the country, often earning competitive wages without taking on significant student loan debt.

To help turn that interest into action, Red Wing launched its new "Big Boots to Fill" campaign and partnered with the Heavy Metal Summer Experience, which offers free hands-on camps that introduce high school students to careers in the skilled trades.

Why parents should pay attention

Trade careers aren't just alternatives to college anymore. Many offer paid apprenticeships, steady demand, opportunities to start a business, and salaries that can rival or exceed those of some degree-required professions.

Here are some actionable ways to explore the trades:

  • Visit a local trade school: Many vocational schools host open houses where students can tour workshops, try equipment, and talk with instructors.

  • Look for summer programs: Hands-on camps focused on welding, construction, robotics, automotive repair, and electrical work can help kids discover what they enjoy before making career decisions. Also, community colleges often offer low-cost introductory trade classes that can help students test-drive a career path.

  • Start with simple DIY projects: Building a bookshelf, repairing a bicycle, changing vehicle fluids, or helping with home improvement projects can expose kids to valuable skills.

  • Job-shadow a tradesperson: Many local contractors, electricians, plumbers, and mechanics are willing to let students observe a workday to learn what the job is really like.

  • Research apprenticeship programs: Unlike many college programs, apprenticeships often pay participants while they learn. Ask local unions about apprenticeship opportunities for high school juniors and seniors.

  • Explore earnings before choosing a path: The Bureau of Labor Statistics shows many skilled trades offer salaries well above the national median wage, especially after gaining experience or starting a business.

If this is something that interests you, don't wait until after graduation. For parents who have kids that are interested in the trades, the same advice applies: act now! Many students can begin exploring trade careers as early as middle school through clubs, shop classes, and summer programs.

Related: Home Depot's Path to Pro program is another resource worth exploring, as it offers students and job seekers free access to training, apprenticeships, and connections to employers looking for skilled workers.


Read More ...


Consumer News: Trouble sleeping at night could affect more than your energy
Tue, 30 Jun 2026 19:07:08 +0000

New research links daytime drowsiness and trouble falling asleep to blood pressure risk

By Kristen Dalli of ConsumerAffairs
June 30, 2026
  • People with excessive daytime sleepiness were more likely to have high blood pressure than those without daytime sleepiness.

  • The highest risk was seen in people who were both excessively sleepy during the day and took at least 30 minutes to fall asleep at night.

  • Researchers say evaluating both daytime sleepiness and nighttime sleep difficulties may help identify people at greater cardiovascular risk.

Most people expect to feel a little sluggish after a poor night's sleep. But new research suggests that daytime drowsiness especially when it's paired with difficulty falling asleep at night may also be linked to a greater likelihood of high blood pressure.

Researchers from Penn State College of Medicine found that adults who reported excessive daytime sleepiness had higher odds of both existing hypertension and developing hypertension over time. The connection became even stronger among people who also took at least 30 minutes to fall asleep during an overnight sleep study.

Adults with excessive daytime sleepiness and prolonged sleep-onset latency appeared to represent a distinct subgroup with significantly greater cardiovascular risk, lead author Dr. Alexandros Vgontzas said in a news release.

Neither excessive daytime sleepiness on its own, nor prolonged sleep latency on its own, showed the same increased risk of hypertension.

How the study was conducted

The researchers analyzed data from 1,741 adults enrolled in the Penn State Adult Cohort. Every participant completed an eight-hour overnight sleep study, known as polysomnography, which objectively measured their sleep.

Excessive daytime sleepiness was identified through self-reports of moderate to severe daytime sleepiness or irresistible sleep attacks. Researchers also measured how long it took participants to fall asleep, defining prolonged sleep-onset latency as taking 30 minutes or longer to drift off.

To examine the development of high blood pressure over time, the team followed 786 participants who did not have hypertension at the beginning of the study for an average of 7.5 years.

The analyses accounted for numerous factors that could influence blood pressure, including age, sex, body mass index, race and ethnicity, smoking, caffeine and alcohol use, diabetes, depression, sleep apnea severity, total sleep time, and time spent awake after initially falling asleep.

What the findings mean

Compared with people who did not report excessive daytime sleepiness, those who did had 52% higher odds of already having hypertension and 74% higher odds of developing it during follow-up.

However, the greatest differences appeared when daytime sleepiness occurred alongside prolonged sleep-onset latency. In that group, the odds of existing hypertension were more than twice as high, while the odds of developing hypertension over time were more than three times higher.

According to the researchers, excessive daytime sleepiness combined with difficulty falling asleep may represent a distinct pattern that deserves closer attention during sleep evaluations.

They suggest that looking beyond sleep apnea alone and considering both daytime symptoms and nighttime sleep difficulties could help identify people who may have elevated cardiovascular risk and guide more targeted treatment approaches.

These findings suggest that evaluating excessive daytime sleepiness should extend beyond screening for sleep apnea alone, Dr. Vgontzas said. Assessing nighttime sleep difficulties and objective sleep measures such as prolonged sleep-onset latency may help identify patients with elevated cardiovascular risk and support more targeted treatment approaches.


Read More ...


Consumer News: New study finds links between processed foods and brain structure
Tue, 30 Jun 2026 19:07:08 +0000

Early diet may shape young brains in unexpected ways

By Kristen Dalli of ConsumerAffairs
June 30, 2026
  • A new study found that children who ate more ultra-processed foods early in life had smaller volumes in several brain regions by age 6.

  • Researchers did not find differences in the children's cognitive test performance despite the brain structure changes.

  • The findings highlight a potential link between early diet and brain development, but they do not prove that ultra-processed foods directly caused the observed differences.

What young children eat may influence more than just their physical growth it could also be linked to how their brains develop.

A new study from researchers at Children's Hospital Los Angeles found that children who consumed more ultra-processed foods during infancy and early childhood had measurable differences in the size of several brain regions by age 6.

Ultra-processed foods are industrially manufactured products made with refined ingredients and additives designed to improve flavor, texture, or shelf life. Examples include some packaged baked goods, frozen meals, processed meats, and certain fast foods.

According to the researchers, these foods make up more than half of the calories consumed by many young children in the United States, making it important to better understand how they may affect early development.

Our findings suggest that what children eat early in life may shape brain development in ways were just beginning to understand, researcher Michael I. Goran, Ph.D., said in a news release.

Even without differences in cognitive performance, were seeing measurable changes in brain structure.

How the study was conducted

The study followed 144 Latino/Hispanic mother-child pairs from infancy through early childhood. Researchers collected detailed information about each child's diet at six months, 12 months, 24 months, and again at 72 months using repeated 24-hour dietary recalls.

When the children reached 6 years old, they underwent MRI scans so researchers could measure the size of several subcortical brain regions.

The children also completed age-appropriate cognitive assessments. Earlier evaluations measured language and motor skills, while later testing examined memory, attention, and processing speed. Throughout the study, researchers also tracked the children's height and weight.

What the findings mean

The researchers found that children with higher cumulative intake of ultra-processed foods had smaller volumes in several subcortical brain regions, including areas involved in reward, emotion, and motivation.

Specifically, every 10% increase in ultra-processed food intake was associated with nearly a 2% reduction in the volume of these brain structures.

Importantly, the study did not find differences in the children's cognitive performance. That means although researchers observed structural differences on brain scans, those changes were not reflected in the cognitive tests the children completed at age 6.

The authors say the findings suggest there may be a relationship between early dietary patterns and brain development, but more research is needed to determine exactly how these structural differences develop and whether they have any long-term effects.

Because this was an observational study, it cannot show that ultra-processed foods directly caused the brain differences. Future research will explore whether there are critical periods when diet has the greatest influence and what biological mechanisms may be involved.

We still have much to learn about how early dietary exposures influence the developing brain, Dr. Goran said. Identifying the underlying mechanisms will be important for understanding what these findings mean for long-term health.


Read More ...


Consumer News: Can sugar substitutes increase the risk of diabetes?
Tue, 30 Jun 2026 19:07:08 +0000

Scientists are currently investigating whether sweeteners may influence blood sugar regulation

By Kristen Dalli of ConsumerAffairs
June 30, 2026
  • Researchers are studying whether some low-calorie sweeteners may affect blood sugar control in unexpected ways.

  • The study focuses on how sweeteners interact with the gut, including glucose absorption and gut bacteria.

  • The findings could help explain why some sugar substitutes have been linked to a higher risk of type 2 diabetes in population studies.

Low-calorie sweeteners have long been marketed as a way to enjoy sweet foods and drinks without the extra sugar or calories. They're commonly found in diet sodas, sugar-free snacks and tabletop sweeteners, and many people choose them as an alternative to sugar.

Now, scientists at the University of Adelaide are taking a closer look at whether certain sugar substitutes could influence the risk of developing type 2 diabetes.

Previous large population studies have suggested that people who regularly consume low-calorie sweeteners may have a higher risk of the disease, but researchers say the biological reasons behind that association remain unclear.

In their latest study, thats set to be completed later this year, the team aims to uncover what may be happening inside the body.

Many people who are looking to manage their weight or sugar levels choose low-calorie sweeteners because they believe theyre healthier than sugar, Associate Professor Tongzhi Wu said in a news release. But while sweeteners were designed to replace sugar without the extra calories, growing evidence suggests they may not be as metabolically neutral as once thought.

In this study were trying to establish how sweeteners affect glucose absorption and excretion in the body, whether they alter the composition of gut bacteria and if these changes may influence diabetes risk.

What the study looks like

To investigate, the research team is examining how different low-calorie sweeteners interact with the digestive system.

Theyre exploring how various sweeteners affect the body's ability to regulate blood glucose, alter how glucose is absorbed in the intestine, and change the makeup of bacteria living in the gut. Researchers believe these three factors may play an important role in metabolic health.

Rather than assuming all sugar substitutes behave the same way, the study is designed to compare individual sweeteners to determine whether some have a greater effect than others.

By studying healthy adults under controlled conditions, the team hopes to better understand how these products influence glucose regulation and whether changes in the gut microbiome contribute to those effects.

Understanding the science

Investigators say their work could help explain why some observational studies have found a connection between regular sweetener use and type 2 diabetes.

If certain sweeteners affect glucose absorption or gut bacteria in ways that interfere with blood sugar control, it may provide a biological explanation for those earlier findings.

The ultimate goal is to identify which sweeteners may be less likely to affect blood sugar regulation, giving consumers and healthcare providers more evidence-based information when making dietary choices.

People often think of sweeteners as a simple swap for sugar, but the science isn't that straightforward, Professor Chris Rayner said in the news release. While these products can help reduce sugar intake, we still don't fully understand how they influence the bodys metabolism over the long term.

By comparing some of the worlds most used sweeteners, we hope to identify whether certain products affect the body differently and provide evidence that can help inform future dietary advice.


Read More ...


Consumer News: Public health alert issued for chicken Caesar wraps
Tue, 30 Jun 2026 16:07:07 +0000

The products were sold at convenience stores in two states

By Mark Huffman of ConsumerAffairs
June 30, 2026
  • The USDA has issued a public health alert for ready-to-eat chicken Caesar wraps after routine testing found the products may be contaminated with Listeria monocytogenes.

  • The affected wraps were sold at Holiday convenience stores in Minnesota and Wisconsin and are no longer on store shelves, so no formal recall was issued.

  • Consumers who still have the wraps should not eat them and should throw them away or return them to the place of purchase.

The U.S. Department of Agriculture's (USDA's) Food Safety and Inspection Service (FSIS) has issued a public health alert for ready-to-eat chicken Caesar wrap products after routine testing detected Listeria monocytogenes, a potentially dangerous bacterium that can cause serious illness, particularly in pregnant women, older adults, and people with weakened immune systems.

Unlike a recall, the alert was issued because the products are no longer available for purchase. However, federal officials warned that some consumers may still have the wraps in their refrigerators and should not eat them.

The affected product is:

  • 8.7-ounce clear plastic-wrapped packages of "FRESH SEASONS Kitchen Chicken Caesar Wrap"

  • Sell-by date: June 24, 2026

  • Produced: June 16, 2026

  • Establishment number: P-45091 inside the USDA mark of inspection.

The wraps were distributed to Holiday convenience stores in Minnesota and Wisconsin.

Contamination discovered through testing

FSIS said the contamination was discovered during routine product sampling, when laboratory testing confirmed the presence of Listeria monocytogenes. As of the agency's announcement, no confirmed illnesses linked to the product had been reported.

Consumers who purchased the wraps should either discard them or return them to the store where they were purchased. Anyone concerned about possible illness should contact a healthcare provider.

Listeria infections can cause fever, muscle aches, headache, stiff neck, confusion, loss of balance, and convulsions, sometimes preceded by diarrhea


Read More ...


Related Bing News Results
Consumer Reports and Yuka Test 40 Popular U.S. Foods, Find 1 in 4 Exceed Daily Safety Levels for Additives
Mon, 08 Jun 2026 11:20:00 GMT
A joint investigation by Consumer Reports and Yuka has measured the levels of eight controversial additives in 40 widely consumed packaged food products in the United States. The results show that one ...

Consumer Reports retests protein powders, finds safer options
Wed, 18 Feb 2026 17:22:00 GMT
USES THESE SUPPLEMENTS. HERE’S MARISSA TANSINO. LAST FALL, CONSUMER REPORTS TESTED DOZENS OF PROTEIN POWDERS AND READY TO DRINK SHAKES. WHAT THE LAB FOUND RAISED RED FLAGS MORE THAN TWO THIRDS ...

How Much Lead Is in Protein Powder? Consumer Reports Shares Latest Findings
Mon, 12 Jan 2026 16:00:00 GMT
Consumer Reports released new findings after testing five reader-requested chocolate protein powders for lead and other heavy metals. The nonprofit organization previously revealed in late 2025 that ...

Your Daily Protein Shake Might Be Exposing You to Lead, Consumer Reports Finds
Mon, 13 Oct 2025 17:00:00 GMT
For many people, protein powder is a staple in their kitchen pantry because of its accessibility and versatility. However, not all protein supplements are created equal, as Consumer Reports’ (CR) ...






Blow Us A Whistle


Related Product Search/Búsqueda de productos relacionados

Amazon Logo

Visit Our New Print-On-Demand Stores On Printify and Zazzle
Printify Zazzle