Home Blog

GCrypto: How to start Cryptocurrency Trading in GCash & Earn Money #crypto #gcrypto #gcash #ginvest



Hi everyone! In this video, I want to share a simple walkthrough on how to get started with cryptocurrency trading using the GCrypto feature within the GInvest option in GCash.

I’m sharing this because I know many of us are curious about exploring new ways to manage our money. Please remember that trading comes with risks, so always do your own research and only invest what you are comfortable with. I hope this short guide helps you navigate the platform a little easier!

Timestamps / Chapters:
0:00 – Introduction
0:18 – Checking my Trading Wallet balance
0:38 – How to top up your GCrypto wallet
0:55 – Withdrawing funds from GCrypto
1:21 – Important note on email authentication for withdrawals
1:48 – Choosing and buying cryptocurrency (ADA example)
2:24 – Entering the trade amount
3:01 – Managing your investment and staying patient
3:50 – Final tips and sign-off

👉Follow Me🔔
━━━━━━━━━━━━━━━━━━

source

News Roundup: Amex Fined $350M, WeBull China Ties, Cathay Suspends JAL Awards & More


You can stay in touch with us on Facebook/Twitter/Threads/Bluesky, or you can join the discussion with 5,000+ members in our DDG Facebook Group. You can also subscribe to get all news/deals via one daily email, or choose instant notifications for time sensitive deals. As always, thank you for reading and supporting the site!

News Roundup

It’s time for another look at some interesting stories from around the web. Webull is under scrutiny over alleged national security concerns tied to China, while American Express has been hit with a $350 million penalty over anti-money laundering failures.

On the travel side, JW Marriott has opened its first all-inclusive resort, Cathay Pacific has suspended Japan Airlines award bookings, and several major hotel brands are rolling out new and refreshed properties. There’s also a new Cardlytics partnership with Rove that could help members earn more toward future trips.

 

Trading platform Webull’s China ties create national security risk, congressional panel finds; stock drops 18%

Digital investment platform Webull, which counts 28 million global users, is quietly “tied in structural ways” to China’s government, representing a national security threat to U.S. finance, according to a bipartisan congressional panel’s findings
➡️ Read more at CNBC

 

JW Marriott Debuts Its First All-Inclusive Resort with the Opening of JW Marriott Costa Elena Resort & Spa

JW Marriott announced the highly anticipated opening of JW Marriott Costa Elena Resort & Spa, marking a significant milestone as the brand’s first-ever all-inclusive resort worldwide. More than a traditional all-inclusive getaway, the resort introduces JW Marriott’s all-immersive approach to luxury hospitality, creating the space and freedom for guests to enjoy each moment fully, without distraction.
➡️ Read press release

 

American Express fined $350 million for insufficient anti-money laundering program

US bank regulators fined American Express $350 million after they determined the lender’s programs to identify potential money laundering ​were insufficient and the company potentially missed billions of dollars in ​suspicious activity. The US Office of the Comptroller of the Currency and ⁠the Federal Reserve announced the enforcement action on Thursday, saying the company, ​primarily via its national bank, failed to maintain a sufficient anti-money laundering compliance ​program, including inadequate resources, inexperienced staff, weak training and internal control gaps.
➡️ Read more at Reuters

 

Cathay Pacific Asia Miles Suspends Japan Airlines Awards

Cathay Pacific has stopped issuing awards on Japan Airlines flights, and you cannot even change existing tickets with JAL segments. It is unclear how long this suspension lasts or what the reasons behind it are.
➡️ Read more at LoyaltyLobby

 

The Ritz-Carlton Naples, Tiburón unveils new look

The Ritz-Carlton Naples, Tiburón officially unveils its fully reimagined resort, inviting guests and the local community to experience the next chapter of this iconic retreat. Spearheaded by Parker Torres Design, the multi-million-dollar transformation debuts a refreshed lobby, residential-style accommodations, an elevated Club Lounge, Swaying Palm event space, and three new culinary concepts: Palmera, Fenrose, and Café Fenrose. The redesign refines a lush resort rooted in classic leisure and recreation, serving as the inland counterpart to its beachfront sister property.
➡️ Read press release

 

Cardlytics and Rove Team Up to Help Travelers Earn Their Next Trip Faster

Cardlytics announced a new partnership with Rove, the first universal airline mile program built for Gen Z and Millennials, extending the Cardlytics Rewards Platform (CRP) and further diversifying Cardlytics’ supply footprint.
➡️ Read press release

 

Hilton Grand Vacations Opens Ka Haku, a Hilton Club in Waikiki

Hilton opened Ka Haku, a Hilton Club. Located in the heart of Waikiki, Ka Haku is the company’s 14th resort in the state and the first Hilton Club-branded property in Hawaii, a distinction reserved for a boutique, highly curated ownership experience. The property offers 205 studios, one-, two- and three-bedroom suites with ocean, mountain and city views, along with an arrival and departure lounge, a state-of-the-art fitness center, pool and bar..
➡️ Read press release

 

Use the social media buttons below to share this article. Your support and engagement is always greatly appreciated.



What Matters Most in 2027 (Rookie Reply)


Should a rental property put cash in your pocket each month or build serious wealth over time? Cash flow versus appreciation is the oldest debate in real estate investing, but the answer depends on several factors. Today, you’ll learn how to pick the path that fits your goals and get the most out of your investments!

Welcome back to another Rookie Reply! We’re tackling three questions straight from the BiggerPockets Forums. First up, an investor who wants to house hack a small multifamily home is torn between cheaper towns with more cash flow and pricier towns with more appreciation. We have the answer!

Next, a high-income earner is weighing multiple investing strategies, from Section 8 and the BRRRR method to value-add deals and sober living facilities. Ashley and Tony go head-to-head on the best next step forward. Finally, a broker wants to learn the investor side of real estate, from acquisition to exit, before putting her own money on the line–and we discuss what to look out for when getting started!

Ashley:
Today’s rookie reply is about choosing a lien before you buy. A lot of rookies have savings, a market in mind, or professional experience, but really the hard part is narrowing down those options enough to take action.

Tony:
And today’s questions come from the BiggerPockets Forum, and we have a Connecticut rookie choosing between cash flow and appreciation, a high income earning beginner deciding what strategy actually fits with his life, and a broker who wants to understand the investor side before putting capital at risk.

Ashley:
This is the Real Estate Rookie Podcast. I’m Ashley Kehr.

Tony:
And I’m Tony J. Robinson. And with that, let’s get into today’s first question. So this question comes from Luke, and Luke says, “I’m a rookie investor looking for my first deal. I’m located in Central Connecticut and have saved about $50,000 for real estate investing, and I’ve decided that I would like to house hack a multifamily to get into my first property. I want to buy within about a 30 minute radius of Hartford, but not necessarily in Hartford itself. I’m curious what towns have worked well for others who’ve used this strategy. It seems like towns with the most inventory of multifamily homes have lower price points and property taxes, but may not appreciate as much compared to higher income towns like West Hartford and Weathersfield, where prices are higher, but there is a greater upside for appreciation. Do I focus on finding properties in nicer neighborhoods within the lower income towns?
Do I wait for more assets to hit markets in the higher income towns? Do you think appreciation or cash flow is more important for a first investment? I’m open to recommendations on towns and areas to look into, and I’d love to connect with other local investors.” All right. Luke, if we had a nickel for every time someone asks cashflow or appreciation, the truth is that real estate can do both, but it’s really up to you what you want to optimize for. And I don’t think me nor Ashley nor anyone else can answer that question for you. It’s like, what is more important to you? Where are you at in your life? What is your goal with real estate investing? If you are someone who wants to retire from their job early, then yes, maybe focusing on cash flow makes more sense because you househike a deal today, lived there for a year, repeat that same process next year.
And over the course of 10 years, you’ve got 10 beautiful house hacks, small multifamilies in Connecticut that are all cash flow and great. And maybe now you’ve got some optionality around jobs and life and what that looks like. If you’re someone who loves their career and loves what you do and you have no desire to retire before you turn 65, then yes, maybe appreciation is a better play. And over the course of 30 years, you’re not going to house hack forever, but say you house hack again for the next 10 or 15 years and you look up in 30 years and you’ve got a bunch of close to paid off properties, maybe you’re in a really, really good position. So I think it’s hard for us to really say cashflow or appreciation without us knowing what’s your motivations? What do you actually want?

Ashley:
I want to touch on the question he asked about should he find properties in nicer neighborhoods within the lower income towns or should he save up more and to invest in these higher end neighborhoods? And I think you need to look at the properties there in the markets to fully understand what it takes to invest in there and not only with how much capital. When I first started, I invested in those lower income towns. I was attracted to the $20,000 duplexes and I found out a lot of those were actually more headaches. And the properties that I kept in my portfolio, those were the ones that were better areas. There was less crime. There were better school districts. And because of that, I had a better pool of tenants to choose from, which gave me less headaches. The properties that were $20,000, they were pigs with lipstick slapped onto them.
They had been cosmetically updated, but they never actually had a good renovation where there was quality work done to the property. But unfortunately, because these were lower income towns, if I was going to go and do a full renovation, I wouldn’t be able to recoup my money because there was a cap that you could charge for rent. You couldn’t increase the rent, even if you did granite countertops, even if you did all brand new drywall throughout, updated the electric, updated the plumbing, you couldn’t increase the rents because nobody could afford over a certain amount in that market. And so I ended up offloading. Now those properties got me started. They did. And actually my timing was amazing. I sold most of them for double what I purchased them for, but that’s definitely not a guarantee and that was just luck. But I think you need to understand fully what actually goes into buying a nicer property and a nicer area compared to a lower end property that’s going to need more work.
So if you’re super handy, you have a lot of time, maybe one of these properties is better for you. You have the time to manage it. You have the time to put a great tenant in there to manage the tenant. You have the time to take care of the maintenance, the repairs. You want to make sure you have a lot of reserves, but I want you to compare those two and think, what do you actually want to deal with? Because when you’re looking at different classes of neighborhood, there are different issues that you’re going to deal with.

Tony:
And he also mentioned that he wants a house hack, right? So the other layer that we have to consider is just personal preference. He’s going to be living there. So for these areas where maybe the price points are lower, is that a place where you’ll enjoy living, where you’ll feel safe or is that a place where maybe you’re just not going to really enjoy being? So I think when you are house hacking, that is maybe the only type of real estate investing where you can get really emotional because

Ashley:
It’s going to be your home. It’s your house too. Yeah. If you’re living
An hour from your job because you could afford a property there, you’re probably going to be miserable on that commute and then you’re going to be spending two hours a day commuting and it’s going to kind of offset the whole purpose of investing in real estate to make your lifestyle better. Okay. So coming up, a 25-year-old with strong income has several investing paths in front of him. We’ll talk about how to choose the first strategy without trying to build the whole business at once. Okay, welcome back. So Luke is trying to narrow market. Our next question is from Mason who is trying to narrow a strategy. He has done a great job growing income and keeping expenses low, but now the challenge is choosing where to focus first. So Mason says, “I’m 25 and worked hard to grow income from 45K to 185K the last two years while keeping expenses the same.
I’ve always wanted to get into real estate growing up as I looked up to our landlord, super cool guy. I’d like to turn it into a business full-time eventually and feel ready to start while working full-time with my current financial situation. If any are terrible options, I’d like to know. I would like to help people, whether it’s providing people places to live or showing someone later down the line how to do the same thing. I’ve been considering Section eight, Burr and Dallas. I enjoy seeing things come to life, value add, single family homes, cosmetic start, or sober living homes since I lived in one for a while. I’m now three and a half years sober. And again, I want to help people.” Okay, Mason, this is awesome. And I think real estate is definitely an industry where you can have a moral compass, you can help people and you can make money.

Tony:
I think I also just want to give him credit, right? I mean, he 4Xed his income in a really short period of time. And we talk a lot about on the rookie podcast about the strategies to the Xs and Os of real estate investing, but one of the things that I feel like we don’t talk a lot about is getting a bigger shovel, being able to grow your income because investing at a $45,000 salary is much, much harder than investing at a $185,000 salary. So just for a lot of rookies, things just get easier when there’s more money to work with. So just kudos to Luke on that part. But the bigger question here is what strategy, right?

Ashley:
He definitely needs to narrow it down because if you’re looking at all different property types for all these different strategies, you’re going to get overwhelmed fast.

Tony:
There’s no right answer. And I feel like it’s so hard to tell someone like, “Hey, this is a strategy you need to focus on.” Because for every strategy that he listed, what do we have? We have Sober Living, we have Burr, Section eight, value add cosmetic. Some of those can be

Ashley:
Combined

Tony:
Into
One. Yeah. You could burr into a Section eight and then Burr and do sober living. But there are people who are uber successful in every single one of those strategies. And there are also people who are uber unsuccessful in all of those strategies. So the strategy is agnostic. I think it’s more so about which one aligns best with who he is, what his resources are, what his strengths, his challenges, all those things. Which one do you feel aligns best with who you are? Now for me, just kind of reading the question, sober living just kind of seems like one that you’re going to connect with the best because you said, “I like helping people. I’m three and a half years sober. I stayed an actual sober living facility.” That feels like the one that’s going to naturally align best with you and has really, really great upside in terms of being a good investment.
So you’re checking both boxes, helping someone and getting a really, really good return on your own investment.

Ashley:
I think I’m going to challenge that one because I think that one is the heaviest lift for first time investor because unless you’re buying it turnkey already where it’s, because this is also an operating business, which a short term rental would be too, is you’re going to need to know do you need any licensing requirements? Do you need any permits? How do you manage it? So I think there’s a whole other side to this to think about when doing sober living as to will you just provide the housing and another company will come in and manage it? So all of those factors, what do you have time for? Do you have time to not only research the real estate part of it, but also the sober living element of it too? We have done a couple great podcast episodes too of sober living where they break it down and explain the overall thing, but it does seem like it’s a lot more work than just managing a long-term tenant.
And it seems like once you get the systems and processes in place and it’s repeatable and gets easier. But that would be my challenge on that, that if he’s already working a full-time job, as in would he have time to know how to start that up? So I think I’m going to say no on that one. And I think I’m going to say starting with a burr. If he can’t do a house hack, I’m going to say do a burr and add value to a property. It sounds like he has the capital to buy the property and to cover the renovations, do the burr, get that property going. Then maybe go into the sober living.

Tony:
The only reason I disagree with you,
He’s 25. He doesn’t mention wife, doesn’t mention kids, 25, big income. This guy should be working 60 hours a week anyway, right? Yeah. And I think that he might actually have an advantage doing the sober living because he’s already lived it. He’s experienced it. So he’s seen it from the inside of how to actually operate it. But I was just talking to my son about this. So my son’s just graduated from high school, he’s 18. And I told him, I was like, “You can’t be broke and well rested. You got to pick one.” So it’s like if you’re going to be broke, at least be broken like hustling. So same thing. It’s like you’ve got the time. There’s no one else depending on you. Sounds like you’ve already done a really good job of growing your income, keeping expenses in line. But dude, if you grind for the next five years even, his life as a 30-year-old could be completely different, completely different.
So get to work, man. Mason, just go grind it out.

Ashley:
It’s been a really long time since you’ve given us a quote that you’ve given Sean. You used to give them all the time. That’s true. I was collecting them for a book to put together.

Tony:
That’s true. All right guys, after the break, a real estate broker who knows the transactional side of real estate investing wants to understand the actual real estate investing side before putting her own money at risk. So we’ll talk about what to learn, how to learn it, and how to be a good investor from start to finish. All right. Our last question comes from Jennifer and she already understands residential transactions as a real estate broker, but she wants to learn how investors think through the deal from acquisition to exit. So her question says, “I’m looking for recommendations and just useful resources that teach investors the investor side of real estate transactions from beginning to end. I’m already a real estate broker, so I’m already very comfortable with the transactional side of real estate transactions, property values, negotiations, contracts, inspections, and the processes from offering through closing.
What I haven’t done is invest in and flip real estate for myself. And I’d like to learn that side properly before putting significant money at risk. I’m also not married to one particular investment strategy yet. I’m interested in learning about single family homes, multifamily vacant land, rehabs, wholesaling assignments, and any other strategies before deciding where I want to focus. What I’m having trouble finding is a resource that really connects all the dots. How do experienced investors determine their maximum acquisition price and required margin? How are rehab costs, carrying costs, financing costs, ARV and risk factored into the numbers? How is the acquisition funded or structured? How does proof of funds work when using different financing strategies? What is due diligence and how is it different for different strategies? And then ultimately, how do you execute the exit? What’s the resale, assignment, refinance, rental, et cetera?
All right, it’s a great question. There’s a lot of questions in the question, but I think the fundamental thing that she’s asking is how do I build competence in one area? I think of it almost like a funnel where it’s like when you’re first starting out as a real estate investor, the goal is just broad exposure to as much information and as many different strategies as possible. So the first step is what you’re doing, consuming podcasts like the Real Estate Rookie podcast, binging as many YouTube channels as you can find, training your algorithm on TikTok, Instagram to teach you things as you’re going through, but just broad exposure to a lot of different strategies. And I think naturally, as you start to think about your own personal goals as an investor and as you think about which strategies actually align with those, naturally you’ll start leaning toward the one that starts to resonate with you.
But I think the biggest thing where a lot of aspiring real estate investors get stuck is analysis paralysis. And how do you teeter that line of, I want to be educated, but I don’t want to –

Ashley:
Make a mistake.

Tony:
Make a mistake, right? And I think the way that I think about it is that as a rookie investor, you have to, and really not even as a rookie investor, anyone who wants to do anything entrepreneurially, like anything that requires risk, we have to separate the ideas of comfort and confidence because they sound super similar, but they’re actually different things. And comfort only exists when you’re doing something that you’ve done before. For me, I’m very comfortable sitting here talking into a microphone about real estate because we’re on episode 781. So I’ve done this a lot. So I’m very comfortable on this microphone because I’ve done it. Confidence doesn’t necessarily require comfort because if I’m doing something brand new, the first time I sat in front of this microphone, I was nervous because I’d never done it before, but I was confident in my abilities to do it well, which is why I still did it.
So for the rookie investors that are listening, I think you have to accept that your first deal is going to feel uncomfortable. Build the confidence, but stop waiting for the comfort to appear because it never will.

Ashley:
Yeah. I think that’s a great point as to the analysis paralysis and really it’s all in your mind. A lot of it is mindset. I think you are overwhelmed with information about how to get started. It is definitely hard to give yourself a clear action plan, but you are also consuming all of these things that have gone wrong or even all of these things that have gone right that maybe you’re not doing the right strategy or not doing this right because this person did it better and got this result. And I think the first step is to really narrow down and define as much as you can, like defining your strategy, defining your buy box, defining what for due diligence, what’s a hard no for you? What are you going to accept under due diligence? But I think you have to look at all of the other people that have bought a property, not even an investment property.
Look at everybody that makes it from viewing the property to closing on a property. Sometimes real estate investors, especially with all of the knowledge out there, get so stuck in their head. I think one of the questions was the process of going from making the offer to closing. Think about how many people do that every single day that have no knowledge about real estate investing at all.
So I think that we get into our heads a lot and I think that it is a huge mindset shift that you need to remember that you already know more than a lot of other people know and that’s going to be your advantage and that’s going to be your head start and you’re never going to feel that comfort that Tony was talking about. We’re still doing bad deals. I have a property that’s been for sale for a year that I haven’t sold. Tony’s got one for two years for two years. Even if you have been doing it, I’ve been investing since 2013, there still are going to be mistakes made. There still are going to be lessons learned. But I will tell you what, that very first deal, that second deal, that third deal, since I bought them so long ago, they have made me so much money over the past 10 years where if I would’ve just kept waiting and waiting, I wouldn’t have had that opportunity of increasing rents to increase the cash flow appreciation over that time, mortgage pay down.
And now those properties have given me financial opportunity. And so don’t let analysis paralysis or that you don’t think you know everything because you already know more than most people out there.

Tony:
And I could tell she knows more just by the detailed question that she’s asking, right? It’s like you’ve already done a lot of the research. So for me it’s like, hey, what is… Brandon Turner used to talk about the most important next step, right? And I think that’s what Ricky investors should focus on is like, “Hey, what is the most important thing that I need to focus on now to continue to make progress?” And then the last thing I’ll say is that we can also reduce, because that’s usually what creates the fear for us is the risk of making the mistake. But if we simply take a smaller swing, then even if we do mess up, it’s not as impactful because it was small stakes to begin with. So say you have $100,000 to go invest into a property, what if instead of investing $100,000, you only invested 30,000 of that?
And hey, let’s go play with this 30K because even if I lose it all, I still have $70,000 left over. So can we start smaller? And sometimes that’s an easy way to bridge that gap and make the first deal feel less scary.

Ashley:
I think about this all the time, people with 401 s, millions of people just hand their money out to their 401 s, no questions asked, you get your job. Do you even know how to get your money out of your 401k? Do you know what form you would fill out or what process you would take to get that money back? Do you know what you’re invested in? Do you know if you even get dividends? Do you know anything about your 401? And I think people invest so much money into that. And with real estate, you could be putting the same amount of capital, but you have more control. You don’t have control over the S&P 500 unless you’re influencing Apple stock by buying Apple computers every single day to increase sales or something. But my point is that if you make a mistake, you also have the ability and the control to fix that mistake or to correct it somehow.
Well, thank you guys so much for joining us today on this episode of Real Estate Rookie. I’m Ashley and he’s Tony. If you guys are watching this on YouTube, make sure you are subscribed so you get notified when we have new video releases like this. If you have any questions that you want answered in our next rookie reply, you can go ahead and put them into the comments of this YouTube channel or you can message into the BiggerPockets forums and I bet another investor will answer it before we even get to it. Thanks so much for joining us.

 

Help us reach new listeners on iTunes by leaving us a rating and review! It takes just 30 seconds and instructions can be found here. Thanks! We really appreciate it!

Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email [email protected].

Trump’s Medicaid cuts deny health coverage to some legal immigrants—even human trafficking victims



New restrictions have stripped Medicaid coverage from certain legal immigrants, including refugees and victims of human trafficking, as part of broader federal changes to the health insurance program that are expected to force millions off their coverage.

The change effective Oct. 1 cut from Medicaid what is estimated to be hundreds of thousands of people who legally immigrated to the United States, many of whom work and pay taxes, in the latest Trump administration policy to target foreigners.

The move is part of sweeping changes to Medicaid under President Donald Trump’s 2025 tax cut and policy law, with many set to take effect early next year. The Medicaid changes are projected to result in 7.5 million fewer people with health insurance, according to the Congressional Budget Office’s 2025 estimate.

Advocates say that without Medicaid, people will not be able to afford private insurance and will either delay care or end up in emergency rooms, adding pressure to a strained health system. For immigrants, the cuts could be felt more acutely, compounding the effects of other administration efforts to restrict their access to public assistance as part of a broader immigration crackdown.

“This is about telling every immigrant in the United States that they are not welcome here and that they should leave,” said Ben D’Avanzo, a senior strategist at the National Immigration Law Center, which has pursued litigation against the Republican administration over its immigration agenda.

Refugees, asylum seekers, victims of human trafficking and domestic violence are among those who have lost coverage. Green-card holders were not impacted.

Lauren Bis, a White House spokesperson, said in a statement that “immigrants must be able to support themselves without taking from overburdened benefits programs paid for by hard-working American taxpayers.”

D’Avanzo said many people who have lost coverage will likely only realize when they need medical care. But for some, the change has been felt immediately.

Dwindling supplies of lifesaving medication

In Tucson, Arizona, María Chacon has been caring for her son Jesus for almost five years since a car accident at 17 left him unable to breathe on his own. He requires a ventilator, a feeding tube and daily medication, and must be turned once every two hours to stop sores from forming. Chacon said he sometimes opens his eyes.

The family is originally from Mexico and entered the U.S. on a T visa, offered to victims of human trafficking, in 2018.

Chacon said Medicaid has helped cover almost $25,000 per month of care for her son, which includes a small stipend for her and her husband as compensation for being long-term caregivers. She said doctors have explained that even if they both worked 24 hours a day, they would not be able to cover the cost of his care.

“Since that day I haven’t been able to sleep. We haven’t been able to eat or anything. We’re wondering what we’re going to do?” Chacon said.

Jesus takes medication that Chacon estimates costs $7,000 a month. The supply runs out in mid-October. Without coverage, she does not know how her son is going to survive.

Chacon found out just days before the cuts that she was losing care. She called the state’s Medicaid offices to appeal. Although she is in the process of obtaining a green card, Medicaid coverage would only kick in five years after she is approved.

Steven Camarota, research director for the Center for Immigration Studies, a right-leaning think tank that seeks less immigration, said the administration “is trying to nibble around the edges” with the Oct. 1 cuts, finding piecemeal ways to curb immigration into the U.S.

Camarota believes the government should screen legal immigrants for income potential and education, reducing the number who might rely on public benefits once they cross the border.

“You need immigrants who are unlikely to need welfare,” he said, or those with high educational attainment.

The administration recently revived a federal rule that could deny green cards to immigrants who use public benefits that could include food stamps, Medicaid, housing vouchers and others.

Chacon believes the cuts to Medicaid coverage are part of the administration’s clampdown on immigrants. She said her son is in no condition to travel.

“I know that’s what he’s doing, but, as my son is, I couldn’t go to Mexico,” Chacon said.

Millions more will be dropped from Medicaid

Medicaid, jointly funded by states and the federal government, has become a political focal point during Trump’s second term. The president has pushed to root out what he describes as fraud in the program. In July, the administration deferred over $1 billion in Medicaid payments to California and Minnesota, claiming there was suspected fraud; critics argued the move targeted Democratic-led states.

As more people are cut from Medicaid, the federal government is predicted to reduce program spending by $911 billion, according to healthcare research nonprofit KFF.

In Arizona, officials said 29,000 legal immigrants were cut from Medicaid rolls on Oct. 1. In Florida, estimates are closer to 177,000. Overall, more than 281,000 immigrants from nine states and the District of Columbia are estimated to lose Medicaid coverage, according to KFF.

As more states implement various restrictions to coverage, 7.5 million people are expected to lose coverage by 2034, according to analysis by the Congressional Budget Office.

Without coverage, people will turn to emergency rooms for care. When people delay seeing a doctor, conditions can worsen and become even more expensive to treat.

“At the end of the day, it does raise the cost for the states because once you get these people in for something that could have been prevented, they could not go to the doctor because they were uninsured; they most likely will end up at a hospital in an emergency room,” said Carmen Feliciano, the vice president of policy and advocacy at UnidosUS, a Latino civil rights organization.

UnidosUS partners with community organizations to help provide medical care, but Feliciano said they already are overwhelmed and would not be able to support the number of people who are going to lose medical coverage in the coming months.

“We are not going to have the capacity to serve all the people who need it,” Feliciano said.

Super El Niño Could Stock Small Retailers for the Wrong Winter. Weak Sales Aren’t the Only Risk



A warmer winter could leave sellers with excess coats and ski gear, forcing markdowns and lost sales.

20% Off Select Items With Promo Code COUNTDOWN20


The Offer

Direct link to offer (our affiliate link)

  • eBay is offering 20% off select items with promo code COUNTDOWN20, up to $500 off. Limit two uses, valid until 10/11/26

Our Verdict

Obviously not available on all items and make sure you price compare. Share any good deals you find in the comments below.

Hat tip to DDG

Have Mortgage Rates Finally Hit a Wall?


We got a rare winning day for mortgage rates yesterday thanks to what seemed like renewed interest in bonds.

The global bond selloff has been brutal for mortgage rates, but at a certain point things inevitably start to look attractive.

That got me wondering if bond yields have climbed high enough to finally spark some interest.

MBS investors might be thinking 7.5% mortgage rates aren’t half-bad, especially if rates stay in a tight range and the loans don’t pay off quickly.

But this is just one hypothesis. Perhaps mortgage rates will keep rising and simply don’t move in straight line.

Have High Mortgage Rates Finally Met Resistance?

The answer right now is maybe.

The 10-year bond yield has been relentless lately, climbing day after day and taking 30-year fixed mortgage rates up with it.

It rose as high as 5.35% a handful of times over the past week, only to get turned back each time.

So it’s clear there’s some sort of technical resistance there, where bond buyers show some interest.

Of course, the pullbacks haven’t been massive. We’re still looking at a 5.25% 10-year yield, which when combined with a 225-basis point spread gives you a ~7.50% 30-year fixed, as seen in the chart above from MND.

In other words, it’s not reason to celebrate since we’re only down from the highs of 7.625%.

But it does make you wonder if bonds are finally looking attractive at these levels.

After all, earning 7% on your money is pretty good for a relatively low-risk security.

Are Bonds Finally Attractive with Yields Above 5%?

It’s starting to look that way, but one or two days doesn’t make a trend.

Just like a couple down days for mortgage rates, the trend can still NOT be our friend even if rates drift lower for a few days or even a week.

The big positive was the bond auction yesterday that drew plenty of demand and put some worries to rest.

It seemed like bonds would never stop selling off and that nobody would show up to buy them. But lo and behold, there was interest, finally.

The auction proved that there are buyers out there at these much-higher levels, and buying is exactly what you need to go get yields (interest rates) to stop climbing.

There are some folks who even believe the 10-year has already peaked, though I wouldn’t count my chickens just yet.

It’s Ultimately Still Too Early to Tell

I remember when we’d get the odd soft inflation report or weak jobs report and everyone would get excited thinking the worst was finally over.

But one report isn’t enough. Two reports aren’t even enough.

Former Fed chair Jerome Powell used to say they’d take it one meeting at a time for this reason.

You can’t have a ton of conviction from a month’s worth of data.

So to think we finally hit a peak for bond yields (and mortgage rates) would be silly.

[Try out my mortgage rate calculator to compare rates and payments side by side fast.]

No Straight Lines

At the same time, something I’ve mentioned in the past is that nothing moves in a straight line.

Mortgage rates don’t just go straight up. Nor do they go straight down.

Like all other things, be it oil prices or stock prices, they naturally ebb and flow.

After such a relentless move higher, bond yields and mortgage rates could just be taking a breather.

There is certainly some optimism that we’re getting closer to that top, but at the same time it wouldn’t shock me if after a short break, we go even higher.

Again, it will depend on what’s actually happening out there.

Oil remains over $100 per barrel, though it eased somewhat after President Trump said there’d be no fresh attacks before the midterm elections.

But what happens after that?

If it turns out to just be a delay and we keep seeing tensions rise in the Middle East, oil prices will likely keep climbing and that will keep upward pressure on mortgage rates.

So while it’s good to see some interest in bonds (and mortgage-backed securities) at these levels, you still have to keep an eye on the war and what transpires there.

Read on: How are mortgage rates set?

Colin Robertson
Latest posts by Colin Robertson (see all)

Warren Buffett Is Sending Shockwaves Through Wall Street With This Warning. Here’s What History Says May Happen Next.


Investors always listen closely to comments from Warren Buffett — and for good reason. The billionaire spent six decades at the helm of Berkshire Hathaway, and there, he drove market-beating gains. He helped Berkshire Hathaway deliver an average annual return of more than 19%, compared with the S&P 500’s 10% over that period.

That’s concrete proof of Buffett’s clear understanding of the market, and investors, realizing this, aim to benefit from his wisdom. Buffett has been generous when it comes to sharing his thoughts on investing and secrets to success, and he’s done this through his letters to shareholders, talks at events, and press interviews.

Today, Buffett no longer leads Berkshire Hathaway’s investing decisions. He recently retired and now holds the position of chairman emeritus and a spot on the board of directors. However, Buffett remains involved in the Berkshire Hathaway investment process and also continues to share his thoughts with the public.

In fact, Buffett is sending shockwaves through Wall Street with the following warning, and history says this may happen next.

Image source: The Motley Fool. Image source: The Motley Fool.

A 78% gain over three years

First, let’s consider the S&P 500’s path so far in 2026, after completing a 78% gain over three years. As the artificial intelligence (AI) boom gained momentum, investors turned to stocks operating in this space — and since many are tech giants, heavily weighted in the S&P 500, they helped push the index significantly higher. Meanwhile, against the backdrop of interest rate cuts in 2024 and 2025, investors also favored other growth stocks, as they benefit in such environments.

This year, the S&P 500 has pulled back on occasion as investors worried about several headwinds, from rising inflation to the possibility that the AI revenue opportunity wouldn’t be as significant as expected. Still, declines have been short-lived, and the index has continued to march higher, even closing at a record this week. And certain AI stocks have delivered mind-boggling gains — for example, AI memory providers Sandisk Corp. and Micron Technology have climbed more than 600% and 200%, respectively, since the start of January.

Now, let’s consider the Warren Buffett warning that’s sending shockwaves through Wall Street. Speaking with CNBC during the Berkshire Hathaway shareholders’ meeting in May, Buffett expressed concern about a high level of “gambling” in the stock market.

“We’ve never had people in a more gambling mood than now,” he said, referring to the preference for betting to score a fast gain rather than investing for the long term.

Today’s Change

(0.59%) +46.18

Index Level

7,811.54

Stocks have become expensive

At the same time, valuations have climbed to high levels, as we can see through the S&P 500 Shiller CAPE ratio. It considers stock price and earnings per share over 10 years to account for fluctuations in the economic environment.

S&P 500 Shiller CAPE Ratio Chart

S&P 500 Shiller CAPE Ratio data by YCharts

As we can see, the last time valuations reached — and surpassed — such levels was prior to the dot-com crash. So, history suggests that, following this period of “gambling,” and with stocks at expensive levels, the next move could be a decline in stock prices — even if it’s not a long-lasting movement or a crash, stocks could be heading for a pullback from today’s levels.

What does this mean for you as an investor? Buffett’s warning doesn’t signal that investors should stop buying stocks. The billionaire has invested throughout market environments and has never lost faith in quality companies. Instead, this comment from Buffett shows us that some market activity — the quest for quick gains — may present a risk. And against this backdrop, it’s important to refrain from getting caught up in that movement.

Instead, it’s essential to stick to strong investing principles, as Buffett does, and continue to look for quality stocks that trade at reasonable valuations and hold onto them for the long term. By doing so, even if the gambling Buffett notes in the market leads to declines, you still will be well-positioned to win over time.

Introduction to Business Management



What is purpose of business management?
What are the jobs of managers?
What do you need to keep a customer?
What are the functions of business management?

source

What To Do If You Can’t Get A Student Loan For College


Key Points

  • Nearly every undergraduate can borrow a Federal Direct Loan with no credit check, but the limits ($5,500 to $7,500 a year for dependent students) haven’t changed in over a decade and rarely cover the full bill.
  • Since July 1, 2026, new Parent PLUS loans are capped at $20,000 a year and $65,000 per student, so approved families can still come up short. A Parent PLUS denial unlocks an extra $4,000 to $5,000 a year in the student’s own federal loans.
  • No-cosigner loans from Funding U and second-look loans from GradBridge can fill a gap, but a financial aid appeal, a payment plan, or a cheaper school should come first.

For most undergraduates, paying for college starts with a Federal Direct Loan in the student’s name, with no credit check and no cosigner. The problem is the size. A dependent freshman can borrow $5,500, and even a senior tops out at $7,500, while the average sticker price at a private four-year college runs well past $40,000 a year.

When the federal loan runs out, families turn to a Parent PLUS loan or a private loan, and that is where the “can’t get a student loan” problem starts. Parents get denied for adverse credit history, or get approved but hit the new $20,000 annual cap. Students without a creditworthy cosigner get turned down by private lenders, and more than 93% of private undergraduate loans require a cosigner.

Each dead end below has a fix, from the federal options most families miss to the handful of private lenders that approve students other lenders won’t, along with what those loans cost.

Save For Later

Would you like to save this?

We'll email this article to you, so you can come back to it later!

Why Can’t You Get A Student Loan?

Students get shut out of borrowing for one of three reasons: the federal loan limit is too low to cover the school, a parent or student fails a credit check, or the student has lost federal eligibility altogether. Each has a different fix, so the first step is figuring out which one applies.

The federal limit problem is the most common. Federal Direct Loan limits for dependent undergraduates are $5,500 for freshmen, $6,500 for sophomores, and $7,500 for juniors and seniors, with a $31,000 lifetime cap. Those figures haven’t changed in more than a decade. Independent students get $9,500, $10,500, and $12,500, with a $57,500 cap.

The credit problem hits in two places. Parent PLUS loans require a credit check, and private student loans require either strong credit or a cosigner who has it. A student with no credit history and no cosigner will be declined by nearly every traditional lender.

The eligibility problem is less common but harder to fix. Students who fail their school’s Satisfactory Academic Progress standard, who are in default on a prior federal loan, who drop below half-time enrollment, or who attend a school that isn’t eligible for Title IV aid can’t borrow federal loans at all until the underlying issue is resolved.

What Happens If Your Parent Is Denied A Parent PLUS Loan?

A Parent PLUS denial raises the student’s own federal loan limit to the independent-student level, which is worth $4,000 a year for freshmen and sophomores and $5,000 a year for juniors and seniors. That extra money comes as a Direct Unsubsidized Loan at the 2026-27 rate of 6.518%, with no credit check. Ask the financial aid office to process it as soon as the denial comes through, because it is not automatic at every school.

The Department of Education defines adverse credit history as more than $2,085 in debt that is 90 or more days delinquent, in collections, or charged off in the past two years, or a default, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or federal aid write-off in the past five years. A low credit score by itself is not a reason for denial.

Parents who were denied have two ways to reverse it. An endorser, such as a grandparent or other relative without adverse credit, can cosign the PLUS loan. Or the parent can appeal with documentation of extenuating circumstances, such as a defaulted account where the parent was only an authorized user. Both routes require a 30-minute PLUS credit counseling session, and appeals take about four weeks.

Before chasing an endorser, run the numbers. A Parent PLUS loan for 2026-27 carries a 9.068% interest rate and a 4.228% origination fee, and parent borrowers are limited to the Standard Repayment Plan with no access to Public Service Loan Forgiveness. The extra $4,000 to $5,000 in the student’s name, combined with a tuition payment plan, closes a gap of that size at a lower cost than reviving the PLUS loan.

What If Your Parent Is Approved But Capped At $20,000?

Starting July 1, 2026, Parent PLUS loans are capped at $20,000 per year and $65,000 per student for the student’s entire undergraduate career. Before that date, parents could borrow up to the school’s full cost of attendance. A family that was counting on PLUS to cover a $35,000 gap now has a $15,000 hole every year, and the $65,000 lifetime cap means borrowing the full $20,000 for three years leaves only $5,000 for senior year.

Students who were already enrolled before July 1, 2026, and had a federal loan disbursed before that date may qualify for legacy limits for up to three years, as long as they stay in the same program at the same school. If that’s you, confirm it with the aid office before assuming the cap applies.

For everyone else, the first question is whether the gap should be financed at all. Tuition payment plans spread a semester’s bill over four or five monthly installments for a flat enrollment fee and no interest, which handles a $5,000 to $8,000 gap without a loan. For larger gaps, parents with good credit should compare a private parent loan against a credit union education line of credit, which is approved once and drawn each term, with interest only on the amount used.

Which Private Lenders Approve Students Without A Cosigner?

Funding U is the only private lender built entirely around students who have no cosigner. It does not require one and will not accept one. For 2026-27, Funding U lends $3,001 to $20,000 per academic year at fixed rates of 8.49% to 13.99%, with a 0.50% autopay discount, no origination or prepayment fees, and a required in-school payment of $20 a month or interest-only.

Approval is merit-based rather than credit-based. Funding U looks at GPA, year in school, major, projected earnings, and the school’s graduation rate, with no minimum FICO score and no review of parent finances. Borrowers must be U.S. citizens, permanent residents, or DACA recipients, enrolled full-time in a bachelor’s program at a nonprofit four-year school in one of 40 eligible states. Upperclassmen with strong grades get the best rates. Read the full Funding U review for the details on forbearance and the graduation rewards.

Juniors and seniors have a second option. Ascent’s outcomes-based loan approves upperclassmen without a cosigner based on GPA (3.0 or higher helps), school, major, and expected earnings, and it is open to DACA students. Ascent doesn’t publish a separate rate range for the non-cosigned product, so expect the high end of its undergraduate pricing. The Ascent review covers the differences between its credit-based and outcomes-based loans.

.tci-nocosign{font-family:inherit;border:2px solid #141414;border-radius:8px;overflow:hidden;margin:24px 0;background:#fff;color:#141414}
.tci-nocosign .tci-nocosign-head{background:#141414;color:#fff;padding:14px 18px;font-size:18px;font-weight:700;line-height:1.3}
.tci-nocosign .tci-nocosign-head span{color:#f6c061}
.tci-nocosign table{width:100%;border-collapse:collapse;font-size:15px}
.tci-nocosign th{background:#f9f7f5;text-transform:uppercase;font-size:12px;letter-spacing:.04em;text-align:left;padding:10px 14px;border-bottom:1px solid #e5e0d8;color:#55504a}
.tci-nocosign td{padding:12px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top;line-height:1.45}
.tci-nocosign tbody tr:nth-child(even) td{background:#fcfbf9}
.tci-nocosign td:first-child{font-weight:700;width:22%}
.tci-nocosign .tci-nocosign-foot{background:#f9f7f5;padding:10px 14px;font-size:12px;color:#8a8378}
.tci-nocosign a,.tci-nocosign a:link,.tci-nocosign a:visited,.tci-nocosign a:hover,.entry-content .tci-nocosign a,.entry-content .tci-nocosign a:link{color:#141414 !important;text-decoration:underline !important;text-decoration-thickness:1px !important;text-underline-offset:2px;border-bottom:0 !important;box-shadow:none !important;background-image:none !important;background:none !important}
.tci-nocosign .pill{display:inline-block;padding:2px 8px;border-radius:999px;font-size:12px;font-weight:700}
.tci-nocosign .pill-yes{background:#dff3e4;color:#14532d}
.tci-nocosign .pill-no{background:#fde2e2;color:#7f1d1d}
.tci-nocosign .pill-mix{background:#f6c061;color:#141414}
@media (max-width:640px){
.tci-nocosign table,.tci-nocosign tbody,.tci-nocosign tr,.tci-nocosign td{display:block;width:100%}
.tci-nocosign thead{display:none}
.tci-nocosign tr{border-bottom:2px solid #e5e0d8;padding:6px 0}
.tci-nocosign td{border-bottom:none;padding:6px 14px}
.tci-nocosign td:first-child{width:auto;background:#f9f7f5;padding-top:10px}
.tci-nocosign td[data-label]:before{content:attr(data-label);display:block;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:#8a8378;margin-bottom:2px}
}

Private Student Loans When You Can’t Get Approved Elsewhere: 2026-27
Feature Funding U GradBridge Ascent (Outcomes-Based)
Best For Undergrads with no cosigner at all Juniors, seniors, and grad students declined by another lender Juniors and seniors with a 3.0 GPA and no cosigner
Cosigner Not accepted Required for undergrads Not required
Who Qualifies Full-time bachelor’s students at nonprofit four-year schools, any class year Juniors and above in a four-year program, or graduate students, at 2,000+ schools Juniors and seniors, including DACA students
Fixed Rates 8.49% to 13.99% (0.50% autopay discount available) 18.06% to 23.07% APR with autopay Not broken out. 1.00% autopay discount
Loan Amounts $3,001 to $20,000 per year $5,000 minimum, up to cost of attendance $2,001 and up, to cost of attendance
Fees None 5% origination fee None
In-School Payments $20 a month or interest-only Deferred, interest-only, or $25 a month Deferred, interest-only, or flat payment
Where Available 40 states No state list published. U.S. citizens and permanent residents Check eligibility by state
Learn More Funding U review GradBridge review Ascent review
Source: Lender disclosures as of October 2026. Rates change by school year and borrower. The College Investor.

What If You Were Declined Even With A Cosigner?

A second-look lender is the last stop for a family that applied with a cosigner and was still declined. GradBridge was built for this reader: juniors, seniors, and graduate students who just missed a traditional lender’s approval criteria. Every undergraduate applicant still needs a cosigner, so GradBridge is not an option for a student with no one to cosign. Graduate students can apply alone.

The trade-off is price. GradBridge’s 2026-27 rates, including the 0.25% autopay discount, run 16.89% to 22.04% APR variable and 18.06% to 23.07% APR fixed, plus a 5% origination fee that is added to the loan balance. Loans start at $5,000 and can go up to the school-certified cost of attendance, with 5-, 10-, or 15-year terms and the choice of deferred, interest-only, or $25-a-month payments while in school. Decisions come back in under 15 minutes, and GradBridge can cover past-due balances up to a year old, which no other lender on this page will do.

Before applying, read the adverse action notice from the lender that declined you. Private lenders must tell you why, and the notice points to the fix, such as a different cosigner with a lower debt-to-income ratio or a smaller loan request. If the gap is $10,000 or less, a tuition payment plan or a financial aid appeal almost always beats an 18% loan. The GradBridge review rates it 3.5 out of 5 for that reason: it works, and it is expensive.

What A $10,000 Gap Costs At Each Rate

Borrowing $10,000 on a 10-year term costs $3,637 in interest at the 2026-27 federal unsubsidized rate of 6.518%, $8,625 at Funding U’s top rate of 13.99%, and $12,752 at GradBridge’s lowest fixed rate of 18.06% once the 5% origination fee is added to the balance. At GradBridge’s top rate of 23.07%, the same $10,000 costs $16,968 to repay, or $225 a month for a decade. Those figures assume repayment starts right away. Deferring payments through school adds accrued interest on top.

That math is why the order of operations matters. Every dollar of Direct Loan eligibility, including the extra unsubsidized amount after a PLUS denial, should be used before a single dollar of private money.

How Do You Get Federal Aid Back If You Lost It?

Students who lost federal eligibility can get it back, and it is worth the effort because federal loans and Pell Grants are the cheapest money available. The three common causes each have a defined path back, and two of them can be resolved within a semester.

A failed Satisfactory Academic Progress review (a GPA under 2.0 or completing fewer than two-thirds of attempted credits, at most schools) can be appealed in writing. These SAP appeal letters need a documented reason, such as illness or a family emergency, and a plan for getting back on track.

A defaulted federal loan blocks all new federal aid until it is resolved. Loan rehabilitation takes nine on-time payments over ten months and removes the default from your credit report. Consolidation is faster, restoring eligibility as soon as the new loan is made, but the default stays on your record.

Dropping below half-time enrollment ends Direct Loan eligibility, so a student working full-time and taking one class can’t borrow. Returning to at least half-time, which is six credits at most schools, restores it. Students at schools that aren’t eligible for federal aid, including some unaccredited and for-profit programs, have no federal path and should treat that as a reason to transfer.

How Do You Pay For College Without A Loan?

The cheapest way to close a funding gap is to shrink it. A financial aid appeal asks the school to revisit its award based on a change in family finances, such as a job loss, a medical bill, or a divorce, and the aid office can use professional judgment to adjust the award. A competing offer from a similar school can also work.

Community college is free or nearly free in more than 30 states for students who qualify, and two years there before transferring removes two years of four-year tuition from the bill. Living at home instead of in a dorm removes the room and board line, which runs $10,000 to $15,000 a year at most four-year schools.

Employer tuition assistance pays up to $5,250 a year tax-free, and some employers pay more. Scholarships from local foundations, professional associations, and state agencies are still open after the big national deadlines pass.

Deferring enrollment for a year to work and save is a legitimate option, not a failure. So is choosing a school where federal loans and family resources cover the full cost. A degree financed at 20% interest is a worse outcome than the same degree from a cheaper school a year later.

.tci-loanladder{font-family:inherit;border:2px solid #141414;border-radius:8px;overflow:hidden;margin:24px 0;background:#fff;color:#141414}
.tci-loanladder .tci-loanladder-head{background:#141414;color:#fff;padding:14px 18px;font-size:18px;font-weight:700;line-height:1.3}
.tci-loanladder .tci-loanladder-head span{color:#f6c061}
.tci-loanladder table{width:100%;border-collapse:collapse;font-size:15px}
.tci-loanladder th{background:#f9f7f5;text-transform:uppercase;font-size:12px;letter-spacing:.04em;text-align:left;padding:10px 14px;border-bottom:1px solid #e5e0d8;color:#55504a}
.tci-loanladder td{padding:12px 14px;border-bottom:1px solid #e5e0d8;vertical-align:top;line-height:1.45}
.tci-loanladder tbody tr:nth-child(even) td{background:#fcfbf9}
.tci-loanladder td:first-child{font-weight:700;width:30%}
.tci-loanladder .tci-loanladder-foot{background:#f9f7f5;padding:10px 14px;font-size:12px;color:#8a8378}
.tci-loanladder a{color:#141414;text-decoration:underline;text-decoration-thickness:1px;box-shadow:none;border-bottom:none}
@media (max-width:640px){
.tci-loanladder table,.tci-loanladder tbody,.tci-loanladder tr,.tci-loanladder td{display:block;width:100%}
.tci-loanladder thead{display:none}
.tci-loanladder tr{border-bottom:2px solid #e5e0d8;padding:6px 0}
.tci-loanladder td{border-bottom:none;padding:6px 14px}
.tci-loanladder td:first-child{width:auto;background:#f9f7f5;padding-top:10px}
.tci-loanladder td[data-label]:before{content:attr(data-label);display:block;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:#8a8378;margin-bottom:2px}
}

Can’t Get A Student Loan? Where To Turn, In Order
Your Situation First Move What It’s Worth
Parent PLUS Denied For Credit Ask the aid office for the independent-student loan limit, then consider an endorser or appeal $4,000 to $5,000 more per year in federal loans, no credit check
Parent PLUS Approved But Capped Check legacy eligibility if enrolled before July 1, 2026. Compare a tuition payment plan or a credit union education line of credit Legacy status restores borrowing up to cost of attendance for up to three years
Lost Federal Eligibility (SAP Or Default) File a SAP appeal, or rehabilitate or consolidate a defaulted loan Restores Direct Loans and Pell Grants, the cheapest money available
No Cosigner For A Private Loan Apply to a no-cosigner lender such as Funding U, or Ascent if you’re a junior or senior Up to $20,000 a year at 8.49% to 13.99% fixed, with no fees
Declined Even With A Cosigner Fix the reason on the adverse action notice, then try a second-look lender such as GradBridge Covers the gap, but at 18% to 23% APR plus a 5% fee
Any Gap Over $10,000 A Year Ask for a financial aid appeal, then price a lower-cost school, community college, or a deferred start Can erase the gap entirely instead of financing it at double-digit rates
Source: Federal Student Aid, lender disclosures. The College Investor.

What Should Families Do Next?

Work the list in order: federal loans first (including the PLUS-denial increase), then a financial aid appeal and a payment plan, then a no-cosigner lender like Funding U, then a second-look lender like GradBridge, and only for a gap you can’t shrink. The further down the list you go, the more the degree costs and the fewer protections the loan carries.

The inability to borrow can feel like the end of the college plan. Treat it instead as a signal that the plan was built on debt the family couldn’t afford. The families that come out ahead are the ones who treat a loan denial as a reason to rethink the school choice, not as a reason to pay any price for the original one.

Frequently Asked Questions

Can You Get A Student Loan With Bad Credit?

Yes. Federal Direct Subsidized and Unsubsidized Loans have no credit check, so a student’s credit score never affects approval. Parent PLUS loans check for adverse credit history (serious delinquencies, default, bankruptcy, or foreclosure), not a minimum score. Private lenders do check credit, and a student with bad credit will need a cosigner or a no-cosigner lender like Funding U that weighs academics instead.

Can I Get A Student Loan With No Credit History?

Yes. Federal Direct Loans don’t require any credit history. For private loans, Funding U and Ascent’s outcomes-based loan approve students with no credit history based on GPA, school, and major. Traditional private lenders will require a cosigner.

What Happens If My Parent PLUS Loan Is Denied?

The student becomes eligible for the independent-student federal loan limit, which adds $4,000 a year for freshmen and sophomores and $5,000 a year for juniors and seniors in Direct Unsubsidized Loans. The parent can also appeal the denial or add an endorser after completing PLUS credit counseling.

Can I Appeal A Private Student Loan Denial?

Private lenders don’t have a formal appeal process the way the Department of Education does, but you can reapply. The adverse action notice states the reason for denial. Fixing that reason, whether by adding a stronger cosigner, lowering the amount, or waiting for a delinquency to age off, and reapplying is the private-loan equivalent of an appeal. A second-look lender like GradBridge is the alternative if reapplying fails.

What If Financial Aid Is Not Enough To Cover Tuition?

Start with a financial aid appeal if your family’s finances have changed since the FAFSA, then ask the bursar about a tuition payment plan, which spreads the bill over the semester for a small flat fee. If a loan is still needed, use every dollar of federal eligibility before a private loan, and compare no-cosigner options before a second-look loan.

Does Funding U Require A Cosigner?

No. Funding U never requires a cosigner and won’t accept one, and it doesn’t review parent income or credit. Approval is based on the student’s academic record, year in school, major, and the school’s graduation rate. The Funding U review covers the full eligibility list.

What Is A Second-Look Student Loan?

A second-look loan is a private student loan designed for applicants who were declined by a traditional lender but came close to qualifying. GradBridge is the main lender in this space, serving juniors, seniors, and graduate students. Rates run 16.89% to 23.07% APR with a 5% origination fee, so it belongs at the bottom of the list.

Can I Get A Student Loan If I’m In Default?

Not a federal one, until the default is resolved. Rehabilitation (nine on-time payments over ten months) or consolidation restores federal aid eligibility. Private lenders will see the default on your credit report and will require a cosigner, if they approve the loan at all.

Editor: Colin Graves

The post What To Do If You Can’t Get A Student Loan For College appeared first on The College Investor.