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Texas State Doubles Free Tuition Income Cap To $100,000 For 2027 Freshmen
Texas State University is doubling the income limits on its free tuition program. Starting with the Fall 2027 entering class, first-time freshmen who graduate in the top 25% of their high school class and have a family adjusted gross income of $100,000 or less will qualify for free tuition and mandatory fees under the expanded Bobcat Promise.
That makes Texas State a part of a growing list of colleges that have made tuition free for qualifying families.
The university expects the expansion to benefit roughly 3,400 incoming freshmen. Students from families earning $50,000 or less remain eligible regardless of class rank, keeping the program’s original focus on Texas students with the greatest financial need.
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Why It Matters
Tuition prices keep climbing, and families are feeling it. Families spent an average of $34,019 on college last year, up 10%, according to Sallie Mae.
A guaranteed four years of free tuition and fees at a public university gives middle-income Texas families a real number to plan around instead of guessing at what college really costs after financial aid.
The class rank requirement is a differentiator versus many of the elite colleges that are doing similar programs. Unlike income-only programs, Texas State is pairing the higher $100,000 tier with a top 25% academic threshold, a structure that rewards high-performing students who might otherwise take on student loan debt or skip a four-year school.
The Details
The program covers full tuition and mandatory fees for up to four years (eight consecutive semesters). To qualify, students must:
- Be a Texas resident who graduated from a Texas high school
- Be admitted to Texas State as a first-time freshman
- Meet the income tier requirements ($100,000 or less with top 25% class rank, or $50,000 or less with no rank requirement)
- File the FAFSA and demonstrate financial need by March 15 prior to enrollment
- Enroll full time and complete at least 15 credit hours each fall and spring semester at the San Marcos or Round Rock campus
There are also some limitations on student athletes per the NCAA rules.
How This Connects
Free tuition thresholds have been rising fast across higher education. Harvard went tuition-free for families under $200,000, UChicago pushed its threshold to $250,000, and in Texas, Rice expanded free tuition to families earning up to $200,000.
Texas State’s $100,000 cap sits below those elite privates, but the difference is scale: with enrollment topping 44,000 students in Fall 2025, it’s the kind of broad-access public university where a promise program reaches thousands of students per class rather than hundreds.
It also fits a broader state push on affordability, including Texas’ move toward three-year bachelor’s degrees.
What’s Next
The first eligible students are current high school seniors, who will apply during the 2026-27 admissions cycle for enrollment next fall. Families also need to meet Texas’ March 15 FAFSA deadline, so families should file as soon as the FAFSA opens.
Watch whether other large Texas schools respond with their own expanded promise programs ahead of Fall 2027.
Editor: Colin Graves
The post Texas State Doubles Free Tuition Income Cap To $100,000 For 2027 Freshmen appeared first on The College Investor.
Mortgage Rates Are at New 2026 Highs, But There’s a But
You’ve probably heard that mortgage rates hit a new 2026 high.
That’s true. The 30-year fixed climbed to 6.89%, per the latest daily rate update from Mortgage News Daily.
It is indeed the highest point of 2026, and the highest point in over 52 weeks as well.
The last time the 30-year fixed was this high was all the way back in June of 2025.
But it’s not really as bad as it seems because the recent increases have been super incremental.
New 2026 High for the 30-Year Fixed
Allow me to find a silver lining while everyone else is panicking that mortgage rates are at 2026 highs.
I get it. They’re “high” right now. The highest they’ve been in over a year in fact.
The 30-year fixed is pushing toward 7% again, something it hasn’t done since last May.
That’s clearly not great news, and it means another year will go by with home sales crawling around 30-year lows.
It means mortgage refinance business continues to be abysmal, and it means banks and mortgage lenders are struggling mightily.
Definitely not a lot to cheer about right now.
Housing affordability was already bad when rates were closer to 6%, and now it’s even worse.
But before we get in a tizzy, let’s zoom out and look at this all in context.
The 30-year fixed did hit a new high, but just barely. We’re talking a few basis points here and there.
The new high achieved yesterday was literally two basis points higher than the prior high.
So MND said the daily average was 6.89%, up from 6.87%. That wouldn’t even register for most mortgage lenders.
Their rate sheet wouldn’t even change. The pricing you saw yesterday would likely be the same today.
Before this latest run up, the 30-year fixed hit a 2026 high of 6.85% back in late July.
So our new highs have moved up a whopping four basis points. From 6.85% to 6.89% over the span of a month.
Are Mortgage Rates Near a Ceiling?
Now my silver lining might not mean a whole lot if mortgage rates keep ascending.
But they don’t appear to be on track to do that. If you look at the new highs, as noted, they’re a few bps higher.
This isn’t 2022-2023, when the 30-year fixed climbed from 3% to 8% in the span of less than 12 months.
This is mortgage rates moving from the low 6s to the high 6s (after being in the 7s).
For perspective, that’s a percentage increase of roughly 15% versus the 167% increase from 3% to 8%.
This is one of the “benefits” of a higher starting point for mortgage rates.
If we’re already at 6%, going to 7% isn’t so bad.
When we were at 3%, going to even 4% or 5% was bad enough. It was a huge jump.
Now it’s just an incremental rise.
Mortgage Rates Stuck in a Range
It’s also worth noting that we’ve been in this range for years now. The 30-year fixed has bounced around these levels for literally four years.
This isn’t an acute moment. It’s the latest move higher for rates as they continue to ebb and flow within this range.
Sometimes they’re in the 7s, sometimes they dip toward the low 6s. Right now they’re pushing up again, but might not even hit a 7-handle again.
Sure, the trend isn’t our friend right now. It’s been rough since the war got going in early March.
But if we zoom out, mortgage rates aren’t surging out of control. They’re just back toward the top of their recent range.
Importantly, that means they could also be close to topping out again and due for some much-needed relief.
Read on: Use my mortgage rate calculator to compare rates that are an eighth apart.
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.
Latest posts by Colin Robertson (see all)
BoA Unlimited Cash Rewards Credit Card Review (2026.9 Update: $250 Offer + Additional $150 Bonus From Rakuten!)
[2026.9 Update] Besides the $250 offer provided by BoA itself, third party website Rakuten offers an additional $150 cashback! Note that if you choose to earn MR on Rakuten you may see $0 additional cashback, you need to choose to earn cashback on Rakuten. We no longer track the additional cashback from Rakuten (unless there’s a best ever offer) because it changes too frequently.
[2026.8 Update] The new offer is $250.
[2025.6 Update] The new offer is $200 plus unlimited 2% cashback for the first year. This is 0.5% more cashback in addition to the existing 1.5% cashback rate. Therefore, if you are a Platinum Honors member with +75% bonus, you will earn 1.5%*(1+75%)+0.5%=3.125% cashback rate! This is the best ever offer on this card. This is a fantastic offer if you have huge spending.
Application Link
Benefits
- $250 offer: earn $250 cashback after spending $1,000 in first 3 months.
- Earn 1.5% cashback on all purchases.
- BoA Preferred Rewards program: If you have checking/savings/brokerage account in BoA or Merrill Edge, you can earn additional points based on the amount of asset. Earn additional 25% rewards if you are in Gold tier ($20k or more in balance); 50% if Platinum tier ($50k or more in balance); 75% if Platinum Honors tier ($100k or more in balance).
- No annual fee.
Disadvantages
- It has a foreign transaction fee, so it’s not a good choice outside the US.
Recommended Application Time
- You can get it even without SSN and with no credit history at all! We recommend you go to the branch in this situation.
- [New] 2/3/4 Rule: BoA will only approve you for at most: 2 cards per rolling 2 months; 3 cards per rolling 12 months; and 4 cards per rolling 24 months. Because their IT system hasn’t been fully updated yet, you may not get declined because of this rule. Instead, you may get approved at first, and then the account will be closed because of “approved in error”.
- [New] 24 month churn rule: This card will not be available to you if you currently have or have had the card in the preceding 24 month period.
Summary
The sign-up bonus is decent for a no annual fee card. If you have $100k+ balance in BoA or Merrill Edge, you can earn 1.5%*(1+75%)=2.625% in return! This card is quite similar to BoA Travel Rewards, the main differences are: (1) this card is a cashback card, so you don’t need to worry about the hassle of redeeming points; (2) this card has foreign transaction fee, so you shouldn’t use it outside of the US.
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After Applying
- Click here to check BoA application status.
- BoA reconsideration backdoor number: 800-732-9194. It seems that the number is changing. Please inform us at once if it fails. The representatives here can get in touch with decision-makers directly.
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How Curveball Questions Can Surface the Insight You’re Looking For
We’re all taught to ask tough questions. Interviewers are coached to use open-ended prompts to get beyond rehearsed answers. Managers press for specifics when employees speak in generalities. Journalists and negotiators follow up when someone evades the point. The aim is the same: to uncover information the other person may be reluctant to reveal.
Where Will IonQ Stock Be in 1 Year?
Owning IonQ (IONQ -0.37%) has been rather jarring, given how much the share price has bounced around over the past year. Shares are trading near $39, valuing the stock at roughly $15 billion. The stock has traded as high as $84 over the past 12 months.
But those looking for IonQ stock to rally to new all-time highs might not want to hold their breath. Here’s why I believe IonQ will still be trading at around the same price in one year that it is today.
It looks like the stock should be rising
To be clear, IonQ is doing some good things. The company reported $80.1 million in revenue in the second quarter of 2026, a whopping 287% increase versus a year ago. That’s impressive growth, even if it’s on top of a small number.
Image source: The Motley Fool.
Additionally, IonQ recently acquired SkyWater, a chip foundry that generated $317.1 million in revenue through the first half of 2026, for $1.8 billion in cash and stock.
Management is guiding for full-year revenue of $280 million to $290 million. On top of that, SkyWater could do about $600 million this year if it performs the same over the second half of 2026. Hypothetically, that could put IonQ at about $900 million in total revenue this year.
The stock currently trades at about 57 times its trailing-12-month revenue. If you use that $900 million figure, the forward valuation drops way down to about 16 to 17 times sales, and IonQ suddenly looks dramatically cheaper.
So then, why the skepticism?
Simply put, IonQ remains an unprofitable business with a ton of unanswered questions.
Today’s Change
(-0.37%) $-0.14
Current Price
$37.64
Key Data Points
Market Cap
$15BMarket 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
$36.78 – $38.23
52wk Range
$25.89 – $84.64
Volume
13.2M
Avg Vol
22.1M
Gross Margin
-3317.96%
IonQ reported a $254.7 million operating loss through six months of 2026. SkyWater fared better, posting an operating loss of just $3.3 million. Still, that business had a gross profit margin of only about 21%. It’s unclear how much SkyWater can actually contribute to IonQ’s bottom line in the near future.
Meanwhile, IonQ’s share count is soaring. The SkyWater acquisition added approximately 24 million new shares, and the company is issuing gobs of stock-based compensation — about $450 million over the past year alone.
The quantum computing field is still just getting started. It’s too soon to know where IonQ will ultimately stand among its peers. And since IonQ has made a handful of acquisitions over the past few years, it’s going to be trying to establish itself in a breakthrough industry while juggling the headaches of integrating all of these different businesses.
Add it all up, and there are several reasons to hesitate before paying up to own IonQ stock.
That could be why the stock has struggled to gain traction lately, despite the SkyWater deal. I think there’s a reasonable chance that IonQ needs more time to sort all of these moving parts and establish greater trust with investors. Until then, the stock may stay near its current level.
If I Started Investing in 2026, This Is What I’d Do
➡️ FREE $1M Investing Roadmap (study guides, calculators, sheets, ebooks, training, and more):
➡️ Apply for my 1:1 coaching program:
If I had to start investing from scratch in 2026, here’s exactly what I’d do.
In this video, I walk you step-by-step through how I’d invest my first $1,200, which ETFs I’d choose, how to avoid beginner mistakes, and the simple strategy I’d use to build wealth faster.
🎥 In this video:
0:42 – Saving or investing?
2:48 – Apple stock
3:50 – What is an Exchange Traded Fund (ETF)
4:50 – What happens when you invest in an ETF
5:05 – When to start and how much to actually put in9:08 – What type of account to open
10:47 – How to buy an ETF
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Beyond Price Improvement Order Execution
This is the part that turns a checklist into an actual finding. Comparing a 3,000-share order against a 100-share order and concluding that internalization failed because the bigger order cost more tells you nothing useful. Size alone is expensive to execute.
The comparison that matters is a 3,000-share order against other 3,000-share orders of the same type, in similar names, under similar liquidity and volatility, split by execution or routing path where that path can actually be identified. These comparisons are most informative when they are matched within the same symbol, order type, liquidity, and volatility bucket, and time-of-day window.
Once you do that, a lot of the variation caused by order difficulty can be controlled for, and the routing path becomes a more plausible contributor to whatever gap remains.
An illustrative case makes this concrete. Let’s say a manager’s 100-share orders in liquid large-caps come in around 1.5 basis points of effective spread, while 2,000-share orders in the same names run closer to 7 basis points. That gap alone proves nothing — larger orders are just harder to fill.
The real question is what comparable 2,000-share orders of the same type look like when routed externally under similar conditions. If those land around 6.8 basis points, internalization isn’t obviously the culprit; difficulty explains most of it. If this 2,000-share order lands around 3.5 basis points instead, the routing model for that size and liquidity bucket deserves a closer look.
Navy Federal Flagship Rewards Card Getting Major Refresh?
Navy Federal Flagship Rewards Refresh Rumored for September 10
Navy Federal Credit Union could be preparing a significant refresh of its Flagship Rewards Visa Signature Card. Multiple cardholders have reported that Navy Federal representatives have confirmed changes that are expected to take effect on September 10, 2026. For now, however, these details should still be treated as a rumor until Navy Federal officially announces them.
The biggest change would be an increase in the annual fee from $49 to $95. The card’s earning structure would also change considerably, improving travel and dining rewards while cutting the return on everyday purchases.
Rumored Changes
- 4X points on travel, up from 3X
- 3X points on dining, up from 2X
- 1X point on everything else, down from 2X
- New $100 airline statement credit
- $95 annual fee, up from $49
- Annual Amazon Prime credit eliminated
- Up to $120 Global Entry or TSA PreCheck credit remains
- Complimentary GigSky global mobile data plan remains
The new $100 airline statement credit would effectively replace the Amazon Prime benefit that has helped make the Flagship card an easy keeper for some cardholders. But at the same time the annual fee is jumping to $95.
Bank of Canada holds rates as tariffs cloud growth outlook
The Bank of Canada held interest rates steady for a seventh consecutive meeting as an escalation in the trade war with the U.S. threatens growth and creates the risk of new inflation pressures.