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Out of roughly 43 million Americans who collectively owe close to $1.7 trillion in student loans, only a limited number have seen their balances wiped clean. For those fortunate few, the impact has been profound, reshaping financial stability and opening new career possibilities.Laura Kluss, a 41‑year‑old clinical social worker from Sacramento, California, received forgiveness through the Public Service Loan Forgiveness (PSLF) program at the end of 2025. Her loan, which had ballooned into the six‑figure range, was reduced to zero, allowing her to consider a shift from government work to the private sector without the weight of debt.Earlier this week, the U.S. Department of Education began alerting approximately 164,000 additional federal borrowers that they may qualify for automatic loan discharge. The outreach focuses on individuals who attended any of more than 150 colleges alleged to have misled students about graduation rates, employment outcomes, or true program costs.For borrowers like Kimberly from Pennsylvania, the news feels like “hitting the lottery.” She explained that the forgiveness will enable her to settle other obligations, such as her mortgage and vehicle loan, and she warned that “college is a scam unless you become a doctor or a lawyer,” urging prospective students to consider trade schools instead.Ian Hobbs, a 43‑year‑old adjunct professor in Arizona, also saw his loans discharged, yet he stresses lingering repercussions. He noted that a high debt‑to‑income ratio has blocked mortgage approvals and job opportunities for over a decade, describing the experience as akin to “indentured slavery.”Jennifer Alfonso, a disabled stay‑at‑home wife from Florida, is awaiting a decision on a Total and Permanent Disability (TPD) discharge. She said that relief would prevent automatic deductions from her SSDI benefits, which currently leave her barely able to cover basic living costs.Alfonso also cautioned others to verify a school’s accreditation, recounting her own ordeal with an unaccredited institution that forced her to restart her nursing education after transferring credits.Brad Hufeld, a retiree in Delaware, Ohio, has carried a loan for 23 years after his college closed before he could graduate. He highlighted the personal toll, including the loss of his mother during that period, and urged borrowers to read the fine print before signing up for any program.A woman in her 60s working at a bottling plant in Kentucky, who filed for Chapter 13 bankruptcy two years ago, expressed hope that forgiveness could finally allow her to retire and keep her bills current.Finally, a 65‑year‑old semi‑retired truck driver in Texas, whose loan finances a truck‑driving certification rather than a degree, said that discharge would improve his credit score and provide much‑needed financial relief, adding a reminder to “do your homework before committing to any educational path.”p>

Professional golfer Phil Mickelson has announced that he will not compete in next week's Masters Tournament due to an ongoing 'family health matter.'The 55-year-old, a six-time major winner, expressed his respect for Augusta National Golf Club and wished everyone the best of luck, stating he will be watching.Mickelson has had a notable career, winning the Masters in 2004, 2006, and 2010. He has also secured victories in two PGA Championships (2005 and 2021) and the Open Championship in 2013.This year's Masters would have marked Mickelson's 33rd start at Augusta. Only seven other players have achieved the feat of winning the tournament three times.Mickelson has been dealing with health issues and previously missed the first four LIV Golf events of the year. He returned to action last month at LIV Golf South Africa, finishing in a tie for 48th place.

The EFL Championship kicks off an action‑filled Easter weekend, with promotion, playoff and relegation battles all still wide open. Coventry City, under Frank Lampard, sit comfortably in the automatic promotion places, enjoying an 11‑point cushion over third‑placed Ipswich Town ahead of their upcoming clash with Derby County. One of the marquee fixtures sees Middlesbrough host Millwall. Millwall manager Alex Neil, while downplaying the match, hinted that a win could thrust the Lions back into the promotion conversation for the first time since the early 2000s. At the Hawthorns, Wrexham take on West Bromwich Albion in a game that could keep their playoff hopes alive. West Brom, after a long winless spell, have finally found form under James Morrison, securing back‑to‑back victories. In a surprising managerial change, Bristol City have dismissed Gerhard Struber and appointed a 78‑year‑old interim coach, referred to as “Mr Roy”, who will debut against Charlton Athletic. Meanwhile, Sheffield United host Swansea City in a mid‑table encounter that promises a lively atmosphere at Bramall Lane. Relegation‑battling Sheffield Wednesday aim to end a 33‑game winless streak when they face Stoke City, needing six points from their final seven games to avoid the drop. Leicester City remain under pressure after a points deduction, fighting alongside Oxford, Portsmouth, West Brom and Blackburn to stay clear of League One. Conversely, Lincoln City could clinch promotion – their first return to the second tier since 1961 – with a home win over AFC Wimbledon. In a side note, former Liverpool captain Steven Gerrard praised Mohamed Salah’s extended stay at Anfield, highlighting the former’s influence on the Egyptian striker’s decision to remain.

A virtual gathering of over 40 countries will set the agenda for a global military planning meeting next week, focusing on clearing sea mines and rescuing vessels immobilised in the Strait of Hormuz.UK Foreign Secretary Yvette Cooper opened the summit by condemning what she described as “Iranian recklessness” that endangers global economic security and threatens the flow of vital energy supplies.The discussions are proceeding without direct US involvement; instead, the UK, France, Germany, Australia and several Gulf states are exploring practical steps to restore access to the strategic waterway.President Donald Trump has urged nations that depend on the strait to “build up some delayed courage” and “just grab it,” a comment that has drawn criticism from UK officials.The strait transports 10‑25% of the world’s oil and gas. Prime Minister Keir Starmer warned that reopening the lane “will not be easy,” given the scale of the disruption.Cooper outlined a multi‑pronged approach: diplomatic and economic pressure, reassurance for industry, insurers and energy markets, and coordinated actions to guarantee the safety of trapped ships and seafarers.She cited more than 25 Iranian attacks on vessels, estimating around 20,000 seafarers on roughly 2,000 ships are currently stranded.Highlighting the broader stakes, Cooper referenced World Bank projections that a prolonged blockage could push 9 million people into food insecurity and trigger unsustainable spikes in oil and food prices worldwide.At a follow‑up session scheduled for Tuesday, military planners will consider how to marshal collective defensive capabilities, including the removal of mines that Tehran may have laid to sink ships.The meeting will be hosted by Britain’s Permanent Joint Headquarters in Northwood, London, with many international leaders joining virtually.Conservative leader Kemi Badenoch warned President Trump not to abandon “a mess he’s made” in the Middle East, echoing former US Secretary of State Colin Powell’s dictum, “if you break it, you own it.”Reform UK’s Nigel Farage said he was not “angry” with Trump for entering the conflict but found the president’s press briefings “difficult to interpret.”Liberal Democrat leader Ed Davey urged Prime Minister Starmer to “step up” plans and present a clear alternative for reopening the oil‑ and gas‑laden shipping route.

After a prolonged period of uncertainty, the County Championship returns on Good Friday with renewed vigor, its schedule finally settled and the controversial three‑year Kookaburra ball trial abandoned.The England and Wales Cricket Board (ECB) is now trialling a full‑substitute system in domestic matches. Unlike the traditional “covering fielder” approach, a player can be replaced by a fully‑playing substitute for injury, illness or significant life events such as the birth of a child or a family health crisis.Alan Fordham, the ECB’s head of cricket operations, highlighted the change: “Most seasons we get three or four questions about a player being replaced to witness the birth of a child… the answer will now be yes.” He also recalled the Blair Tickner incident, where the New Zealander’s wife was diagnosed with leukaemia during a match, forcing him to continue playing with a ten‑man side.The substitute scheme is being tested at the ICC’s request, which asks member boards to experiment domestically before considering a similar rule for Test cricket. By allowing replacements for personal emergencies, the ECB has moved further than counterparts in India, Australia and South Africa.To curb potential abuse, any player replaced for illness or injury must observe an eight‑day “stand‑down” period before returning. Derbyshire head coach Mickey Arthur praised the intent but warned of loopholes, noting that the rule does not account for bye weeks, season‑ending fixtures or the transition from red‑ball to white‑ball cricket.Following a disappointing Ashes winter, the ECB is keen to restore the Championship’s relevance. Managing director Rob Key signalled that England‑team places are no longer guaranteed, urging county coaches and players to re‑engage.England head coach Brendon McCullum, speaking to counties via Zoom, stressed the competition’s value for talent identification, especially for players adept against high pace and spin. He also announced the return of Troy Cooley as the ECB’s pace‑bowling lead.Test captain Ben Stokes backed the message, urging players to seize the early weeks of the Championship as a platform for national selection: “It’s a great opportunity for a lot of people around the country… use it to push your case forward.”Enthusiasm is palpable across the counties. Glamorgan, back in Division One for the first time since 2005, aim to showcase their spinners. Lancashire chase promotion despite the late loss of Mitch Perry, while Surrey, Nottinghamshire and Warwickshire marshal their senior talent. Even clubs hit by setbacks—Leicestershire, plagued by injuries and the sudden withdrawal of captain Peter Handscomb, and Sussex, docked 12 points before the season began—remain determined as they kick off their fixtures at Grace Road.

UK drivers are being urged to hunt for the cheapest petrol as they prepare for an estimated 21.7 million journeys over the Easter bank‑holiday weekend – the busiest on the roads since 2022. Data from the RAC shows that the average price of a litre of unleaded petrol jumped 20p in March, rising from 132.83p on 1 April to 152.83p on 31 April. This is the fastest monthly increase on record, eclipsing the previous high of 16.6p recorded in June 2022 after Russia’s invasion of Ukraine. RAC policy chief Simon Williams called the rise “unprecedented” but stressed that travellers should fill up as usual and seek the cheapest forecourts nearby ahead of the holiday rush. To ease congestion, National Highways will temporarily suspend 1,500 miles (2,400 km) of roadworks on motorways and major A‑roads in England from Thursday through Easter Monday. The AA predicts this will accommodate roughly 1 million additional trips compared with last year, with traffic expected to peak on Thursday when schools break up. Analysts warn that the sharp fuel‑price surge may curb spending on trips. Susannah Streeter, chief investment strategist at the Wealth Club, noted that shorter journeys and fewer on‑the‑road purchases, such as chocolate treats, are likely. AA survey data shows that just over half of travellers plan to drive less than 50 miles, 5 % expect journeys of 50‑100 miles, about 1 % aim for 100‑200 miles, and fewer than 1 % anticipate trips beyond 200 miles. Rail disruptions are set to push more motorists onto the motorways. Engineering works will suspend west‑coast mainline services between London Euston and Milton Keynes from Good Friday to 8 April, and there will be no trains on several routes—including Preston to Lancaster (4‑5 April), Winchester to Southampton, and Herne Bay to Ramsgate—while services between London Waterloo and Clapham Junction will be reduced. Despite domestic challenges, the travel trade body ABTA estimates that 2 million UK residents will travel abroad this weekend. EasyJet is gearing up for its busiest Easter period yet, planning to operate 16,000 flights from UK airports over the two‑week school break. Passengers heading to the European Union should also prepare for potential two‑hour delays due to the rollout of the EU’s Entry‑Exit System, which requires third‑country nationals, including UK travellers, to submit photographs and fingerprints before entering the Schengen area.

The Champions Cup’s single‑leg knockout stage has historically favoured hosts – only two of the 24 matches since the format’s introduction three years ago have seen the home side lose. This weekend’s fixtures threaten to upend that trend.Defending champions Bordeaux Bègles have been quoted at 1‑100 odds to defeat a severely weakened Leicester Tigers on Sunday – a price more suited to a two‑horse race. The Tigers will be without key internationals Ollie Chessum, Joe Heyes and Nicky Smith, all ruled out for the match.Coach Geoff Parling has elected to rest his forward trio to preserve a top‑four finish in the domestic league, a decision that underscores the growing difficulty English clubs face in juggling league ambitions with European knockout demands.Parling’s dilemma echoes a similar scenario a year ago when Saracens rested their stars and suffered a crushing 72‑point defeat to Toulon. Alongside Saracens, Harlequins, Leicester and Sale collectively conceded 215 points and exited the competition without a whisper of a fight. Only Bath Rugby has managed to maintain sufficient squad depth to compete on both fronts.The competition’s structure is locked in until 2030, with a 2028 twist that will see the eight quarter‑finalists face seven Super Rugby Pacific teams and one Japanese side, aiming to crown a true world club champion every four years. Yet the packed calendar – culminating in the 2027 World Cup and the 2028 Six Nations – raises serious questions about player availability.“I just don’t know how you fit everything in,” Parling admitted. “The game is very physical now. We all want the best versus the best, but it is what it is.”Knockout success now demands back‑to‑back weekend victories. For example, if Northampton Saints overcome Castres on Friday night, they will face a fully‑strengthened Bath the following week, unless Saracens can engineer a dramatic turnaround after their recent 62‑15 Premiership loss at the Rec.Other clubs face similar uphill battles: Harlequins could earn a Dublin trip after beating Sale, only to recall their heavy 62‑0 defeat to Leinster in April; Bristol might pull off a miracle in Toulouse but would likely meet Bordeaux in the last eight.South African provinces are gathering momentum, with the Stormers and Bulls arguably better placed to silence home crowds in Glasgow and Toulon than earlier in the season. Stormers coach John Dobson quipped, “What will it take us to win? Venus to align with Uranus and Saturn.”Meanwhile, Glasgow Warriors have become notoriously difficult to beat at Scotstoun. If any of the traditional powerhouses – Northampton, Bath, Toulon, Glasgow, Toulouse, Harlequins, Bordeaux or Leinster – fail to reach the quarter‑finals, their conquerors will have defied the odds.

The Black Country, a region in the West Midlands, is grappling with the highest levels of physical inactivity in England. With 1.2 million residents, it is one of the poorest parts of the country, and the statistics are stark: 28.4% of adults in the West Midlands are physically inactive, with some areas like Sandwell and Walsall recording even higher rates of inactivity.However, local volunteers and organizations are taking proactive steps to address this issue. Kelvin Gilkes, founder of the Pendeford Community Bike Hub, is working to encourage people to get active through cycling. His initiative not only provides a space for people to repair and ride bicycles but also aims to expand horizons and promote physical activity among community members.Another initiative is led by Tracy Tromans, who runs a weekly walking group through Leasowes park in Halesowen. Her group focuses on friendship and being aware of everyone's limitations, gently encouraging people to leave their homes and get moving. Nadia Inglis, director of public health for Walsall, emphasizes the benefits of physical activity, including lowering the risk of chronic conditions and improving mental wellbeing.Organizations like Sport England and Active Black Country are also playing a crucial role in supporting local initiatives. They are funding networks of 'place-based' Active Partnerships to improve physical activity in areas where it is scarce. The goal is to turn local insight into community action and create a broader impact.These community-driven initiatives offer a glimmer of hope in the face of a significant challenge. By making parks more accessible and promoting non-traditional activities, such as Nerf clubs, these efforts aim to unlock spaces and encourage people to get active. While change is slow, there is a sense of momentum and ownership within the community, which is essential for long-term success.

Britain is confronting the most severe energy shock since the early 1970s, as exports of oil, gas and fertiliser from the Middle East have abruptly stopped. The government says a response plan exists, but details remain vague. It is unclear whether the UK is better prepared for the fallout from Donald Trump’s war with Iran than it was for the pandemic six years ago. Ministers are sending a "we have your back" message to the public while simultaneously signalling to financial markets that any assistance will be limited and targeted. Contingency planning is especially difficult when dealing with an unpredictable leader like Trump. Britain’s heavy reliance on imported energy and food means that reassurance can only hold for a short time. The economy entered the conflict already on shaky ground: unemployment rose steadily throughout 2025 and growth stalled to a virtual standstill in the final quarter of that year. The sudden loss of Middle‑East energy and fertiliser supplies now adds a colossal supply shock. Last year, Trump’s “liberation day” tariff hikes served as a dry run for a far more serious confrontation. This time, the war is taking place in a region that is both volatile and crucial to the global economy. In the past two weeks, the repercussions have been felt across Asia – the Philippines declared a state of emergency, Sri Lanka introduced a four‑day work week, and South Korea announced budget measures to help households cope with soaring energy bills. The continent is the most dependent on Gulf‑exported energy, making the impact there the sharpest. The International Monetary Fund warned that the shock will drive higher prices and slower growth worldwide. Shortages push fuel and food prices up, eroding disposable income, prompting businesses to cut staff, and increasing the risk of recession. The UK, already projected to be one of the poorest‑performing major economies in 2026, could see its fresh graduate cohort face a brutal job market. Trump’s claim that the war could end within two or three weeks appears desperate. Even a rapid cease‑fire would leave substantial collateral damage, creating a stagflation scenario that could hurt Republican prospects in the upcoming mid‑term elections. British officials hope a swift resolution will limit economic damage, allowing a short‑term inflation spike to subside and the Bank of England to resume interest‑rate cuts. Treasury plans include scrapping the planned autumn fuel‑duty rise and providing targeted help for the poorest households, though the path is unlikely to be that simple. Currently, the Treasury is hesitant to act boldly for fear of unsettling bond markets. History – the 2008 banking collapse and the 2020 pandemic – shows that governments can act decisively without triggering a market backlash, using tools such as aggressive rate cuts, increased borrowing, and quantitative easing. The Bank of England has warned of a "substantial negative supply shock" and is expected to soften markets for future rate cuts, which are inevitable. Finance Minister Rachel Reeves could mitigate labour‑market pain by reversing recent increases in employers’ National Insurance contributions, subsidising public transport, and even lowering speed limits to conserve energy. The war, like the pandemic and Russia’s invasion of Ukraine, underscores the fragility of global supply chains and the need for greater British self‑reliance. Investing heavily in renewable energy is essential, but the UK also imports roughly 40% of its food and has not run a manufacturing trade surplus since 1982. In a world of disrupted supply lines, a robust plan for economic self‑sufficiency is more urgent than ever. Larry Elliott is a Guardian columnist.