10 Best Private Student Loan Lenders For College
10 Best Private Student Loan Lenders For College
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Student Loans Without A Cosigner For Juniors And Seniors
Key Points
- More than 93% of private undergraduate student loans required a cosigner but a small group of lenders now approves upperclassmen based on academic merit instead of a parent’s credit.
- Funding U lends $3,001 to $20,000 per year to full-time undergraduates with no cosigner accepted at all while Ascent’s outcomes-based loan serves juniors and seniors with a 3.0+ GPA, also up to $20,000 per year.
- GradBridge targets upperclassmen and graduate students who were denied by traditional lenders — though most of its undergraduate borrowers still need a cosigner, while graduate students may qualify on their own.
Students who make it to junior or senior year often hit a frustrating wall: federal loan limits run out, and private lenders demand a cosigner most students don’t have. For a dependent undergraduate, federal Direct Loans cap out at $7,500 per year in the third year and beyond, against a $31,000 lifetime limit.
When tuition bills exceed that, the private market has traditionally offered one answer: find a creditworthy parent or relative to co-sign or else.
That is starting to change. A handful of lenders will now underwrite upperclassmen on their own merits, using GPA, major, and projected earnings instead of a parent’s FICO score. For juniors and seniors a few semesters from a degree, these loans can be the difference between graduating and dropping out.
Roughly 42% of college dropouts cite financial struggles as the primary reason for leaving school, according to the latest data.
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Funding U: Merit-Based Lending With No Cosigner
Funding U is the most direct answer to the cosigner problem. The lender does not require a cosigner and it does not even accept one. Applications are evaluated on academic performance, degree program, projected post-graduation earnings, financial aid received, and grade level. Credit history is reviewed as one input, but there is no minimum FICO score requirement.
Loan amounts run from $3,001 to $20,000 per academic year, with one loan per year. There are no origination fees and no prepayment penalties.
There are restrictions, though. Borrowers must be full-time undergraduates in a bachelor’s degree program at a qualifying college and must be meeting their school’s Satisfactory Academic Progress standards. The lender says upperclassmen with strong academic history tend to see better approval odds and rates, which makes the product a natural fit for juniors and seniors.
One feature that cuts both ways: Funding U requires in-school payments, either a $20 monthly minimum or interest-only. That raises costs while enrolled, but the lender reports those payments to credit bureaus, which can help students build credit before graduation.
GradBridge: A Second Look After Denial
GradBridge approaches the problem from a different angle. Rather than replacing the cosigner model, it functions as a “second-look” program for undergraduate upperclassmen and graduate students who were denied by traditional private student loan lenders.
The company says its underwriting extends eligibility to students who fall just outside traditional approval criteria, with a decision in under 15 minutes and coverage of programs at more than 2,000 schools. While in school, borrowers choose between interest-only payments, a flat $25 monthly payment, or full deferral.
An important caveat for students searching specifically for no-cosigner loans: GradBridge states that most students will need a creditworthy cosigner to qualify, while graduate students may be approved on their own.
So for a junior or senior, GradBridge is less a no-cosigner option than a fallback when a mainstream lender says no — including cases where a student’s cosigner didn’t meet another lender’s bar.
Ascent Outcomes-Based Lending
Ascent Funding offers a non-cosigned “outcomes-based” loan built specifically for juniors and seniors. Eligibility requires full-time enrollment (or half-time within nine months of graduation), a GPA of 3.0 or higher, and U.S. citizenship, permanent residency, or DACA status. Borrowing is capped at $20,000 per year.
Like Funding U, Ascent leans on GPA, school, and major rather than credit history.
What This Means For Families
The arrival of merit-based and second-look lending changes the math for families without a willing or qualified cosigner — but it doesn’t make these loans cheap.
The median private student loan rate is estimated at 6.8% for borrowers with cosigners versus 11.3% without, a gap of 4.5%. A no-cosigner loan trades a parent’s credit risk for a higher rate paid by the student.
That makes the order of borrowing matter. Federal Direct Loans should be exhausted first, and juniors and seniors who can’t get a parent to co-sign should also ask their financial aid office about institutional aid, emergency completion grants, and payment plans before turning to private loans.
For students close to graduation in higher-earning majors (the borrowers these underwriting models favor) the cost-benefit case is strongest.
Families should also compare total cost, not just the headline rate. Origination fees, in-school payment requirements, and repayment term length can swing the total repaid by thousands of dollars on otherwise similar loans.
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Editor: Colin Graves
The post Student Loans Without A Cosigner For Juniors And Seniors appeared first on The College Investor.
Mortgage Rates Spared by Tame Inflation Data, But Will Likely Hit New 52-Weeks Highs Soon Anyway
It was a good week for mortgage rates thanks to tame inflation data.
I use the phrase “good” loosely because mortgage rates didn’t really come down during the week.
However, they didn’t move much higher either, so we can call it a win for now.
We got a lot of inflation data this week, and fortunately it came in cooler-than-expected.
Had it been hot or even at consensus, rates may well have hit a fresh 52-week high. But perhaps we’re just delaying the inevitable anyway.
Cool Inflation Data Gives Mortgage Rates a Much Needed Breather
As noted, this week was a big week for inflation data, with both CPI and PPI released.
Both reports showed cooler-than-expected inflation, which is bond-friendly.
When economic data comes in cold, mortgage rates tend to fall. The opposite is also true.
You don’t want high inflation because bond investors will demand higher yields, aka interest rates, in return.
The good news is inflation was tamer than most thought it would be, with consumer prices in June dropping the most since April 2020.
Similarly, the Producer Price Index (PPI) dipped 0.3% in June, the biggest drop in 14 months and well below the 0.0% expected.
The end result was slightly lower mortgage rates, which had matched their wartime-highs on Monday thanks to new aggressions in the Middle East.
So any hot reports would have been more than enough to push mortgage rates up to the next rung, whether it was 6.875% or even higher.
We’ve been able to evade the dreaded 7-handle all year, but that doesn’t mean it can’t surface again.
And either way, we’re more than likely going to hit a fresh 52-week high again.
Mortgage Rates Don’t Need Much Bad News to Hit a New 52-Week High
The 52-week high for the 30-year fixed is 6.82%, per Mortgage News Daily. It was reached back on July 17th, 2025, essentially a year ago.
However, mortgage rates moved sharply lower thereafter, plummeting to around 6.50% that August. Then briefly fell close to 6% in September.
We all know they eventually went sub-6% in February of this year, before the war with Iran drove them abruptly higher.
They’ve ebbed and flowed since, but have remained elevated due to the uncertainty in the Middle East.
The core issue has been oil prices, which surged in response and put renewed pressure on inflation.
There’s also the matter of all that military spending, which might result in even more government debt (and bond issuance). Again, not good for bonds and thus interest rates.
The point here is mortgage rates were quite a bit lower in the second half of 2025, so the new 52-week high will drop to 6.75%, which we saw most recently on Monday. That’s also the 2026 calendar-year high.
If things don’t miraculously improve soon, we could be at new 52-week highs.
If nothing else, we’ll cross above our year-ago levels. When that happens isn’t 100% clear, but it’s looking like sometime in early August.
A year ago, the 30-year fixed slipped about 25 basis points (0.25%) after the July jobs report came in below expectations along with massive revisions for May and June.
So we’ll likely be above August 2025 levels at the very least. Not great optics for home buyers.
Lately, employment has been fairly steady and the story has been more about war-driven inflation.
But if jobs take another turn lower, mortgage rates could benefit yet again like they did last year.
More importantly, if this war actually gets resolved, we could see a big move lower as well.
However, before all that happens, mortgage rates will likely reach new 52-week highs and could even dance with a 7-handle.
So watch out!
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 20 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on X for hot takes.
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Capital One Spark Cash Plus Review (2026.7 Update: $2,000+$500 Offer)
Advertiser Disclosure: This site is part of affiliate sales networks and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.
[2026.7 Update] The new offer is $2,000+$500. The spending requirement is huge so it is only suitable for those who have a lot of spending.
[2024.8 Update] The new offer is $2,000, and its spending requirement is $30k in 3 months. The spending requirement is huge so it is only suitable for those who have a lot of spending. Besides, in the first year, you earn extra $2,000 for every $500k spent. This is equivalent to 0.4% cashback. The spending amount is so huge that it does not make sense to consider it for most people.
[2024.3 Update] The offer now is $1,200 with $30k spending requirement.
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Benefits
- $2,000+$500 offer: Earn a one-time cash bonus of $2,000 plus a $500 Capital One Business Travel credit once you spend $30,000 in the first 3 months. Besides, earn extra $2,000 for every $500k spent in the first year.
- Earn 2% cashback on all purchases.
- If you have a Capital One Miles earning card (such as Capital One Venture), then you can transfer your cashback to Miles and improve its potential value.
- This card is a charge card, meaning: it has no preset credit limit, and you need to pay in full every month.
- $150 annual bonus: earn an annual $150 cash bonus every membership year if you spend $150,000 or more.
- No foreign transaction fee.
Disadvantages
- $150 annual fee, NOT waived for the first year.
- Capital One will pull all three major credit bureaus (Experian, TransUnion, Equifax) for one credit card application!
- Capital One business credit cards WILL be reported to your personal credit history (most other banks won’t report business credit cards to your personal credit report). Therefore, the balance on this card will affect your personal credit score, and this card will count towards Chase 5/24.
Introduction to Capital One (C1) Miles
- You can earn C1 Miles with two kinds of cards: Miles earning cards, or cashback earning cards. Miles earning cards mainly include: Capital One Venture, Capital One Venture X, Capital One Venture Business, Capital One Venture X Business, etc. Cashback earning cards mainly include: Capital One Savor, Capital One Quicksilver, Capital One Spark Cash Plus, Capital One Spark Cash, etc.
- You can move your C1 Miles from one Miles earning card to another Miles earning card at any time, and you can also move your cashback from a cashback earning card to a Miles earning card at any time. However, you can not move your Miles from a Miles earning card to a cashback earning card, therefore cashback is more flexible than Miles in C1’s system.
- C1 Miles never expire. You will lose the C1 Miles on one card if you close the account, but you can prevent losing your C1 Miles by moving the points to another C1 card beforehand.
- If you have a Miles earning card, C1 Miles can be transferred to some airline miles and hotel points. Some good 1:1 transfer options are: Air Canada (AC) (Star Alliance), Avianca (AV) (Star Alliance), Asia Miles (CX) (Oneworld), British Airways (BA), and Wyndham hotel points, etc. If you use C1 Miles in this way, the value is about 1.6 cents/point.
- You can redeem your C1 Miles towards travel expense at a fixed ratio 1.0 cent/point. You can also redeem your C1 Miles towards some merchants gift cards at a fixed ratio 1.0 cent/point.
- You can redeem your C1 Miles towards statement credit at a fixed ratio 0.5 cents/point.
- In summary, we estimate that C1 Miles are worth about 1.6 cents/point.
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
- [1/6 rule] You can only apply for 1 Capital One credit card for every 6 months, including both personal and business credit cards. You will get automatic denial if you violate this rule, but there will be no hard pull.
Summary
This card is essentially the same as Capital One Spark Cash, but its annual fee is higher. It is a charge card, and it is very rare to see a charge card issued by a bank other than AmEx. I don’t think it is useful to most people, but if your spending is so huge that any card with a finite credit limit is not enough, then this card may be a good choice for you.
Related Credit Cards
Historical Offers Chart
Note: Sometimes there are offers such as $500+$700 on this card. But the spending requirements after the first $500 are huge, so we don’t treat them as sign-up bonus, we treat them as spending bonus instead.
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AI Workflow Automation for Physicians: What It Is and Where to Start
Most physicians did not become doctors to spend their afternoons navigating prior auth portals or triaging inbox messages about prescription refills. But that is what a significant chunk of a clinical day looks like for many, and it has for years.
AI workflow automation is the most direct response to that problem that medicine has seen. Not a promise of some future system that will think like a physician, but tools available right now that handle the repetitive, time-intensive administrative work that follows clinicians long after they leave the exam room.
This is a plain-language breakdown of what AI workflow automation actually means in a medical context, what it does well, and how to think about where it fits.
Disclaimer: While these are general suggestions, it’s important to conduct thorough research and due diligence when selecting AI tools. We do not endorse or promote any specific AI tools mentioned here. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.
What AI Workflow Automation Actually Means
Workflow automation is not a new concept in healthcare. Rules-based systems have been routing lab results and triggering order reminders inside EHRs for decades. What is new is the layer of intelligence that AI adds on top.
Traditional automation follows fixed rules. If a result falls outside a threshold, send an alert. AI-based automation reads context. It can process unstructured text, understand the intent behind a message, and handle tasks that do not fit a clean if-then pattern.
In clinical practice, that distinction matters because most of the work that consumes physician time is not structured. Patient portal messages do not arrive pre-sorted by urgency. Prior authorization requests do not come with a checklist of what the payer needs. Literature searches do not produce a single clean answer.
These are tasks that require reading, judgment, and assembly, and they are exactly where AI workflow automation is starting to make a real dent.
Where Physicians Are Already Using It
According to the AMA’s 2026 Physician Survey on Augmented Intelligence, documentation-focused applications show the highest anticipated near-term adoption, including generating discharge instructions, care plans, chart summaries, and clinical documentation support.
That tracks with what is actually available. The four categories where AI workflow automation is most developed for physicians right now are:
Clinical documentation. Ambient scribes listen to a patient encounter and generate a structured note draft. The physician reviews and approves rather than dictating from scratch. The time savings on documentation alone is the most commonly cited benefit among physicians who have adopted these tools.
Inbox and message triage. Patient portal messages, referral requests, and care team handoffs can be read, categorized, and flagged by urgency before any human touches them. A care team sees a sorted queue rather than a raw inbox. Nothing falls through. The physician handles the clinical responses; the AI handles the initial read and sort.
Prior authorization support. AI tools can cross-reference a patient’s clinical criteria against payer coverage requirements, pull the relevant documentation, and draft the supporting materials for a prior auth request. The physician reviews the output. The assembly work happens automatically.
Literature and research retrieval. Connected to indexed databases like PubMed, AI tools can surface relevant studies in response to a specific clinical question rather than returning a list of keyword matches for a physician to sort through manually.
The AMA’s 2026 survey found that 70% of physicians see AI as an opportunity to offload or replace some clinical tasks, and 73% see it as a way to reduce administrative workload through automation.
What AI Workflow Automation Does Not Do
This is worth being specific about, because the line between automation and clinical decision-making is where compliance and liability considerations live.
AI workflow automation handles process work, not clinical judgment. It drafts a prior auth document; the physician decides whether the treatment is appropriate. It sorts a message as urgent; the physician decides how to respond. It retrieves a study; the physician decides whether the evidence applies to this patient.
That distinction is intentional in most well-designed AI tools and is consistent with how the AMA frames the role of AI in medicine: augmenting physicians rather than replacing existing healthcare services.
Physicians evaluating AI workflow tools for a practice should ask two questions about any tool under consideration.
First, where exactly does the AI’s role end and the physician’s role begin? Second, what does the tool’s documentation say about its intended use and its limitations? Those answers determine where the tool is appropriate and where it is not.
How to Think About Getting Started
The practical barrier to AI workflow automation is rarely the technology. Most physicians who have tried it say the harder part is deciding where to start and how to evaluate whether a tool is actually helping.
A useful starting point is to identify the one workflow that costs the most time each week without requiring clinical expertise to execute. For most physicians, that answer is documentation or inbox management. Both have mature AI tools available, many of which integrate directly with major EHR systems.
A reasonable first metric is simple: does this save time on the task it targets, and does the output require less correction over time? If the answer to both is yes after a few weeks, the tool is doing its job.
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A Note on Compliance
AI workflow automation in clinical settings involves patient data, and that means HIPAA considerations apply before any tool goes live. Not every AI tool marketed to physicians is HIPAA-ready. Physicians and practice administrators should verify whether a vendor offers a Business Associate Agreement before connecting any tool to systems that contain protected health information.
This is a straightforward step, but it is easy to overlook when evaluating tools quickly. A tool that saves two hours a week is not worth adopting if it creates a compliance gap.
The Bigger Picture
More than three-quarters of physicians in the AMA’s 2026 survey said they believe AI improves their ability to care for patients, up from 65% in 2023. That shift in sentiment is not accidental. It tracks with the availability of tools that address real, concrete problems rather than speculative ones.
AI workflow automation is not the version of medical AI that reads imaging or generates diagnoses. It is the version that handles the paperwork, the inbox, the documentation, and the research retrieval so that physicians can spend more of their time on the work that actually requires them.
That is not a small thing. For any physician who has stayed late catching up on charts or spent an afternoon navigating a prior auth appeal, the practical value of even modest automation in those areas is concrete and immediate.
The tools to do it exist now. Getting familiar with them is worth the effort.
But what about you? What do you think of AI workflow automation for physicians? Let us know in the comments!
At Passive Income MD, we cover the tools, strategies, and practical AI workflow tips helping physicians build more time and financial freedom. We’ll keep tracking where AI goes from here.
Download The Physician’s Starter Guide to AI – a free, easy-to-digest resource that walks you through smart ways to integrate tools like ChatGPT into your professional and personal life. Whether you’re AI-curious or already experimenting, this guide will save you time, stress, and maybe even a little sanity.
Want more tips to sharpen your AI skills? Subscribe to our newsletter for exclusive insights and practical advice. You’ll also get access to our free AI resource page, packed with AI tools and tutorials to help you have more in life outside of medicine. Let’s make life easier, one prompt at a time. Make it happen!
Disclaimer: This article is for general informational and educational purposes only. It does not constitute medical, legal, compliance, or professional advice. Claude for Healthcare features and pricing are subject to change. HIPAA compliance requirements are the responsibility of the deploying organization. Physicians and organizations should verify compliance requirements with qualified legal and IT professionals and consult Anthropic’s official documentation before implementation.
The information provided here is based on available public data and may not be entirely accurate or up-to-date. It’s recommended to contact the respective companies/individuals for detailed information on features, pricing, and availability. All screenshots, if any, are used under the principles of fair use for editorial, educational, or commentary purposes. All trademarks and copyrights belong to their respective owners.
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Further Reading
AI Strategy Starts With Leadership, Not Technology
Catch The Full Episode
Overview
What happens to a business when the tactical, repetitive work that once trained junior employees gets absorbed by AI? That question sits at the center of this conversation with Paul Roetzer, founder and CEO of SmarterX and the Marketing AI Institute. John Jantsch and Roetzer trace the arc of AI adoption from the early days of IBM Watson through the launch of ChatGPT, and into what Roetzer now sees as the first innings of a much longer transformation.
The conversation moves through several themes that matter to any business owner trying to make sense of AI right now: why AI has become the underlying operating system of business rather than just another tool, why the traditional path from junior to senior employee is at risk of disappearing, and why literacy, as opposed to technology, is the real foundation of organizational transformation. Roetzer also introduces his theory of an AI-era apprenticeship model, a way for companies to reinvest efficiency gains into developing new talent rather than simply cutting costs.
This episode is for marketing leaders, agency owners, and small business owners who want a clear-eyed view of where AI adoption is headed, along with practical thinking on how to build teams that can keep up.
Guest Bio
Paul Roetzer is the founder and CEO of SmarterX and the Marketing AI Institute, and co-author of Marketing Artificial Intelligence. He launched MAICON, the Marketing AI Conference, and co-hosts The Artificial Intelligence Show. Roetzer has delivered more than 200 keynotes on AI for organizations including Google, LinkedIn, and the US government.
Key Takeaways
- AI has become the underlying operating system for business, not just a marketing tool, which means AI literacy now matters at every level of an organization, starting with the C-suite.
- The traditional junior-to-senior career path is breaking down because AI is absorbing the tactical, repetitive work that used to train entry-level employees.
- Roetzer’s apprenticeship theory proposes reinvesting a portion of AI-driven revenue-per-employee gains into developing junior talent, rather than sending all of the savings straight to the bottom line.
- Companies under near-term growth or margin pressure face the strongest incentive to reduce staff, while companies willing to play the long game are better positioned to invest in people.
- Of Roetzer’s eight pillars of AI transformation (vision, strategy, data, technology, governance, literacy, people, performance), literacy is the true starting point, and full transformation requires vision and ownership from the CEO, not just tools handed down to teams.
- Pushback against AI is a natural and growing response to real disruption, and business leaders need to hold space for both the opportunity and the genuine costs.
Great Moments (Timestamps)
- [00:01] – Introduction: what happens when AI absorbs the work that used to train junior employees
- [01:52] – Roetzer’s origin story, from a 2012 concept called a marketing intelligence engine to the founding of the Marketing AI Institute
- [06:23] – AI as the underlying operating system of business and society
- [12:19] – The eight pillars of AI business transformation and why no company has passed the test yet
- [15:34] – Why AI literacy is the real foundation beneath every other pillar
- [18:05] – The Architect, the Orchestrator, and the Apprentice: Roetzer’s theory for rebuilding entry-level work
Memorable Quotes
- “I overestimated how quickly everyone else was going to figure this out and the impact it would have in the near term, but then I underestimated the long-term, true transformation it was going to cause to the economy and businesses.” — Paul Roetzer
- “If we remove all of that repetitive, data-driven work from the first three to five years of our careers, how do we get to become the experts we all became and have that domain expertise and institutional knowledge?” — Paul Roetzer
- “You have to play the long game for sure, and a lot of companies aren’t going to have that benefit.” — Paul Roetzer
- “We have become an AI driven economy for better or for worse. I think we’ve gotten to the point where it’s a general purpose technology… this is on par with the invention of computers and electricity.” — Paul Roetzer
Resources
AI leadership, AI Strategy, Paul Roetzer
3 High-Yield Dividend Stocks to Buy and Hold
Broader equities have performed so well in recent years that the dividends companies pay haven’t kept pace. As a result, the S&P 500‘s average yield is just 1.1% right now. Thankfully, it’s possible to find high-yield dividend stocks that are worth investing in. Here are three examples: Pfizer (PFE +1.29%), Novo Nordisk (NVO +1.86%), and Sanofi (SNY +1.21%). All three have faced some issues lately, but they are worth sticking with for the long haul, especially for dividend seekers. Let me explain.
Image source: Getty Images.
1. Pfizer
Several headwinds — including mediocre financial results and upcoming patent cliffs — have pushed Pfizer’s shares down significantly over the past few years. But the drugmaker hasn’t suspended or decreased its payouts. As a result, Pfizer’s forward dividend yield is now a juicy 7.1%. And despite the issues it has faced, it’s a great time to pick up Pfizer’s shares on the dip. The pharmaceutical leader boasts several products that are posting solid sales growth and should help nudge the top-line in the right direction over the medium term. The list includes Padcev, a cancer medicine, and Abrysvo, a respiratory syncytial virus vaccine.
Today’s Change
(1.29%) $0.32
Current Price
$25.14
Key Data Points
Market Cap
$143BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Day’s Range
$24.86 – $25.36
52wk Range
$23.11 – $28.75
Volume
50M
Avg Vol
41.2M
Gross Margin
65.16%
Dividend Yield
6.84%
Further, the healthcare giant has a deep pipeline that should make significant progress over the next few years. Pfizer’s efforts in oncology and weight-loss look particularly promising. By the end of the decade, the company should launch brand-new products in these fields to help it overcome the loss of patent exclusivity for medicines like Eliquis, an anticoagulant, and drive long-term growth.
Pfizer’s financial results won’t bounce back immediately, but its share price could jump well before then as the company makes solid clinical and regulatory progress with key pipeline programs. That’s why investors shouldn’t wait too long before initiating positions.
2. Novo Nordisk
Novo Nordisk is best known for its work in the diabetes and weight loss markets, and with good reason. The company remains one of the undisputed leaders in these fields, despite recent setbacks that have sunk its stock price over the past couple of years. Novo Nordisk is well-positioned to bounce back, though. The company boasts a strong pipeline of candidates across its core therapeutic areas. Novo Nordisk’s zenagamtide (amycretin) is currently undergoing phase 3 studies — in a subcutaneous and an oral formulation — as a potential weight loss treatment in people who are either overweight or obese.
It also posted strong phase 2 results, showing statistically significant reductions in blood sugar and weight loss in patients with type 2 diabetes.
Today’s Change
(1.86%) $0.94
Current Price
$51.50
Key Data Points
Market Cap
$173BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Day’s Range
$50.61 – $51.77
52wk Range
$35.12 – $71.80
Volume
407.8K
Avg Vol
14.1M
Gross Margin
81.84%
Dividend Yield
3.50%
Zenagamtide could become an important drug for Novo Nordisk as it moves beyond its famous therapies, Ozempic and Wegovy. And the Denmark-based pharmaceutical leader is also inching closer to approval for CagriSema, another diabetes and weight-loss treatment. Elsewhere, Novo Nordisk is making progress in diversifying its lineup. It is particularly targeting rare blood diseases. The company recently announced positive phase 3 clinical trials for denecimig, an investigational treatment for hemophilia.
Novo Nordisk’s strong position in the rapidly growing GLP-1 area and clinical progress elsewhere could allow the stock to recover. Meanwhile, Novo Nordisk offers a forward yield of 3.6% and routinely increases its payouts, making it a great pick for income seekers.
3. Sanofi
Sanofi has faced some headwinds recently, including a leadership change and clinical setbacks. The stock has lagged broader equities as a result. However, there remain good reasons to be optimistic about Sanofi’s long-term prospects. Here are three of them. First, the company’s most important growth driver, Dupixent, is still performing very well. Dupixent is a medicine indicated for the treatment of eczema and COPD; Sanofi shares the rights to this therapy with Regeneron (REGN +2.18%). Dupixent is one of the world’s best-selling drugs and is still helping Sanofi post decent sales growth.
Today’s Change
(1.21%) $0.53
Current Price
$44.21
Key Data Points
Market Cap
$106BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Day’s Range
$43.49 – $44.24
52wk Range
$40.89 – $52.68
Volume
2.9M
Avg Vol
3.2M
Gross Margin
65.90%
Dividend Yield
5.47%
Second, Sanofi should make solid pipeline progress over the next few years. For instance, the company’s frexalimab, an investigational therapy for multiple sclerosis (among other diseases), is undergoing phase 2 and phase 3 clinical trials. Frexalimab posted excellent mid-stage results and could eventually generate well over $1 billion in annual sales at its peak. Sanofi boasts several other promising candidates. Third, the company offers an attractive forward dividend yield of 5.6% and regularly increases its payouts. The dividend is safe despite recent obstacles, and the stock is worth holding for a while.
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🔥Digital Marketing Specialist –
🔥Professional Certification in Digital Marketing (India Only) –
In this video on the Marketing Management Course 2026, you will learn the basics of how marketing works in today’s world. We’ll start with an introduction to marketing and how companies use research to make smart decisions. Then, we’ll look at how customers think and behave, and how businesses create marketing strategies based on that. You’ll also learn about digital marketing how to use online tools to promote products. Finally, we’ll talk about how companies get new customers, keep them happy, and earn money from them over time. This video is perfect for anyone who wants to understand marketing simply and practically.
Below are the topics covered in this Marketing Management course:-
00:00 Introduction to Marketing Management
14:10 Consumer Behavior and Marketing Strategies
26:19 Digital Marketing and Implementation
39:11 Customer Acquisition, Onboarding, Engagement, Retention, and Monetization
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➡️ About Post Graduate Program in Digital Marketing
Get a hands-on Live Interactive Learning experience with this Digital Marketing Course. Learn via fundamental and advanced material, preparing you for your Digital Marketing Career. Get a Meta Certified Digital Marketing Associate exam voucher worth USD $99 to showcase your skills.
Key Features:
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✅ Masterclasses delivered by Industry Expert
✅ Gain hands-on experience managing your budget in paid marketing campaigns via Stukent Digital Marketing Simulation
✅ Build your website & learn real-world hands-on digital marketing techniques
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✅ Meta Certified Digital Marketing Associate exam voucher worth USD $99
✅ 5 Capstone problem statements and 15+ course-end projects
✅ 10+ case studies from brands like Adidas, KFC, Nike, Intel, etc.
✅ Learn via Harvard Business Publishing case studies
✅ 35+ digital marketing tools
✅ Boost productivity with ChatGPT and AI tools (Blue Willow, Stable Fusion & Well Said Labs)
✅ Course aligned with Hootsuite and SE Ranking certification
✅ Learn using Meta Business Coach Chatbot
✅ Live classes delivered by Industry Experts along with self-paced content
✅ Simplilearn’s JobAssist helps you get noticed by top hiring companies
Skills Covered:
✅ Website Creation
✅ Behavioral Marketing
✅ Keyword Research
✅ Search Engine Optimization
✅ Search Engine Marketing
✅ Campaign Management
✅ Social Media Marketing
✅ Mobile Marketing
✅ Content Marketing
✅ Content Strategy
✅ Strategies for Paid Campaigns
✅ Analytics ROI and Evaluation
✅ AI Automation and Emerging Technology
Learning Path:
✅
✅ Website Creation: First Step in Your Digital Marketing Journey
✅ Digital Marketing Landscape
✅ Behavioral Marketing
✅ Search Engine Optimization (SEO)
✅ Search Engine Marketing (SEM)
✅ Social Media Marketing (SMM)
✅ Email Marketing
✅ Mobile Marketing
✅ Content Strategy
✅ Strategies for Paid Campaigns
✅ Analytics, ROI & Evaluation
✅ AI, Automation & Emerging Technology
✅ Digital Marketing Capstone
Electives:
✅ Stukent Digital Marketing Simternship
✅ Digital Marketing Meta Master Session
✅ Digital Marketing Academic Masterclass
✅ Affiliate Marketing
✅ Blogging
✅ Ecommerce Listing
✅ B2B Marketing
✅ PGDM: Generative AI in Sales and Marketing
👉 Learn More At:
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No Flying Required! Earn Bonus Miles with Airline Shopping Portals
Earn Bonus Miles with Airline Shopping Portals
Online shopping portals are one of the easiest ways to earn extra rewards on purchases you were already planning to make. Instead of going directly to a retailer’s website, you start your shopping session through an airline shopping portal and earn bonus miles on top of any credit card rewards and store promotions.
Many airline loyalty programs operate their own shopping portals, and they frequently run limited-time promotions that can earn you thousands of bonus miles for completing a certain amount of spending. Let’s take a look at the current offers.
Southwest Rapid Rewards Shopping
- Earn Up to 2,500 Bonus Miles:
- 500 miles for qualifying purchases of $100 or more
- 1,000 miles for qualifying purchases of $250 or more
- 2,500 miles for qualifying purchases of $500 or more
- Offer valid through 08/10/2026 at 11:59:59 pm ET.
- LINK TO OFFER
United MileagePlus Shopping
- Earn Up to 2,500 Bonus Miles:
- 500 miles for qualifying purchases of $150 or more
- 1,000 miles for qualifying purchases of $350 or more
- 2,500 miles for qualifying purchases of $600 or more
- Offer valid through 08/09/2026 at 11:59:59 pm ET.
- LINK TO OFFER
American Airlines AAdvantage eShopping
Earn Up to 500 Bonus Miles:500 bonus miles for qualifying purchases of at least $200
Offer valid through 6/18/2026 at 11:59:59 pm ET.LINK TO OFFER
Alaska Atmos Rewards Shopping
Earn Up to 500 Bonus Miles:500 bonus miles for qualifying purchases of at least $200
Offer valid through 6/19/2026 at 11:59:59 pm ET.LINK TO OFFER
Delta SkyMiles Shopping
Earn Up to 4,000 Bonus Miles:400 miles for qualifying purchases of at least $200, OR1,000 miles for qualifying purchases of at least $500, OR4,000 miles for qualifying purchases of $1,500 or more
Offer valid through 11/21/2025 at 11:59:59 pm ET.LINK TO OFFER
Guru’s Wrap-up
Airline shopping portals are useful because they let you earn frequent flyer miles or points on everyday purchases without flying and without spending anything extra.
When you start your shopping trip through a portal, the airline tracks your purchase with the retailer and rewards you with bonus miles as outlined above. For portals that have in-store offers, you just have to use a linked card.
These miles can stack with rewards from your credit card, helping you earn free flights, upgrades, or travel perks. However, it’s always a good idea to check cash back rate from other portals as well.
Major Homebuilders Have Not Sold Homes This Cheap in Nearly a Decade—Here’s How Investors Can Take Advantage
Editor’s Note: Thanks for reading! As a special offer for our readers, save $100 on your ticket to BPCON2026—BiggerPockets’ annual real estate investing conference—using code MYRE100 at checkout.
For truly passive real estate investing, buying deeply discounted new-construction homes might be the low-stress solution that is hiding in plain sight.
The conventional idea of BRRRR investing can be a turnoff for many. Spending hours driving for dollars, looking for deals, buying a fixer-upper, hiring a contractor, hoping you don’t go over budget, and then haggling with the bank about the appraisal and interest rate when you refinance is only for the truly committed.
The “Pass” in Passive
The “pass” in passive is there for a reason. Many people simply don’t have the time or inclination to commit to buying rentals. For investors who want a truly passive income vehicle, buying a new-construction home with built-in builder discounts and a waiting pool of qualified, high-paying tenants might be just what you have been waiting for.
The good news is that prices for new construction have plummeted, and builders are offloading them like eggnog in January. The result is that small investors have a real shot at cash flow with brand-new homes they didn’t have to break the bank to buy. The country’s largest builder, Lennar, said its average sales price fell to about $371,000 in its latest quarter.
Why This Window Has Opened
The affordability crisis has meant that builders need to meet buyers at a price point they can afford if they want to move inventory. That means low prices, high incentives, and mass volume.
Lennar co-CEO Stuart Miller said on an earnings call regarding the price drop:
“Demand, however, is still high, as people want and need homes. Millennials are hitting the buying age and are realizing the benefit and perhaps imperative of homeownership, but affordability and waning confidence around buying now are sending confusing signals. I don’t want to overstate the negative, as the market is definitely not crashing, but it continues to cool.”
NAHB’s data found that about 35% of builders were cutting prices by an average of 5% to 6% in June, while roughly 61% were offering credits such as investor closing-cost credits and mortgage rate buydowns. NAHB’s 2026 housing outlook also said townhouse construction had jumped to a multi-decade high of just over 18% of single-family starts, reflecting the market’s shift towards more affordable homes in multi-planned communities.
The Metros With the Best New-Build Cash Flow
If you really want a deal, everything is bigger in Texas, and that includes cash flow, especially around San Antonio and Houston, where discounts and rents make the perfect two-step for investors.
The Lone Star State is out on its own when it comes to cash flow for new construction. A recent Texas investment guide found that gross rental yields typically range from 5% to 7% in Dallas, 6% to 8% in Houston, and 7% to 9% in San Antonio, while net yields generally run 2% to 4% lower after expenses.
Another Houston-based guide states, “For instance, a $320,000 property renting at $2,200 per month yields a gross return slightly above 8%. This performance surpasses many coastal markets and holds up well against comparable suburban markets across the Sun Belt. Success hinges on acquiring the right property at the right price, where in-depth submarket knowledge becomes a significant competitive edge for investors.”
Cash Flow Analysis: Houston and San Antonio New-Build Communities
In late 2025, BiggerPockets highlighted Lennar’s Investor Marketplace as a platform offering turnkey new homes in more than 90 markets, including some three-bedroom homes in San Antonio priced under $150,000. Rental comps, warranty coverage, and investor-oriented workflows are included to streamline buy-and-hold acquisitions.
Let’s not kid ourselves that a builder’s magic wand, sprinkling incentives such as rate buydowns and closing cost credits, is going to magically wipe away the 6.5% rate environment we are in, but it can make a difference.
For example, assume a new-build three-bedroom townhouse in a master-planned community (MPC) in Houston is purchased for $315,000 after incentives, consistent with stronger cash flow markets. With 20% down, the investor borrows $252,000. A 6.2% rate on a 30-year mortgage puts the PI around $1,540. Add $525 for taxes, insurance, HOA, and maintenance reserves, and total carrying costs are about $2,065.
- At a 7% gross yield, annual rent is about $22,050, or roughly $1,838 per month.
- This rent level produces weak or negative cash flow under a standard long-term lease.
- At an 8% yield, rent increases to $25,200 annually, or about $2,100 per month.
- Even at 8%, only a marginal surplus remains after accounting for vacancy, turnover, and leasing costs.
In Houston, new builds require a strong purchase basis, lower rates, or above-average rents to work. A builder-paid rate buydown to about 5.25% can reduce monthly payments by several hundred dollars.
- This lowers carrying costs into the high-$1,800s, improving potential cash flow at higher yields.
- In San Antonio, a $285,000 property with 20% down results in about $1,850 monthly carrying costs.
- At 8% yield, rent near $1,900 approaches break-even, while 9% yield generates about a $288 monthly surplus.
- San Antonio aligns more closely with investor targets of $100 to $300 monthly positive cash flow.
How to Improve Cash Flow of New-Construction Single-Family Homes
Builder incentives
Builder incentives are clearly the first lever to pull when trying to increase cash flow. A generous rate buydown or a free finished basement or attic that could bring in additional rent is a simple win to increase cash flow.
This is also where financing with a major builder can help, as they often work with investor-friendly lenders to offer DSCR loans, portfolio lending, and other products tied more closely to property income than personal DTI ratios.
In some instances, an owner-occupied home will further reduce the rate, which is a good ploy if you are starting your investment journey and plan to house hack or rent to long- or short-term guests.
Attract higher-paying tenants
Want to turn your cash flow from “meh” to “yeah”? Explore the highest and best use scenarios for your rental. A newly constructed home has cachet you can leverage to achieve higher-than-market rents, especially in markets with high relocation traffic, such as those with hospitals, military bases, or tech and energy employers. New homes in amenity-rich MPCs appeal to relocating professionals for their modern layouts, trails, and activities.
High cash flow niches come with more operational and regulatory complexity. Assisted living and sober living can produce far more income than regular leases by charging per bed or on a service-enhanced basis.
If this is the direction you wish to go, coordinating with the builder prior to construction to ensure you have the necessary floor plans to suit the jurisdictions you’re targeting is important. If running a business sounds too labor-intensive, explore corporate rentals for traveling execs, nurses, or those with insurance claims looking for temporary housing while their home is being fixed.
Final Thoughts
As evidenced by Lennar’s price cuts, builders are willing to talk discounts, and there has never been a better time to offer a number that embarrasses you or ask for an upgrade that might seem outlandish under normal circumstances. Sitting inventory that’s gathering dust on lots and costing money is no good to anyone, especially developers with hundreds, if not thousands, of such homes they need to sell around the country.
Be brave and ask for the moon. Fortune favors the bold!