CBS News
Two courts just blocked parts of Biden’s SAVE student loan repayment plan. Here’s what to know.
Two courts on Monday issued temporary injunctions against the Biden administration’s flagship student loan repayment plan, decisions that experts say are likely to create new hurdles and uncertainties for millions of borrowers.
The rulings take aim at the Saving on a Valuable Education, or SAVE, plan, which was created a year ago by the Biden administration to address long-standing issues with the Department of Education’s previous income-driven repayment plans, or IDRs. SAVE has proved to be popular with borrowers and now has more than 8 million enrollees.
But the SAVE plan was challenged by several Republican-led states that argued the plan overstepped the Biden administration’s authority. They also claimed it could lead to financial harm due to lost revenue because it offers loan forgiveness in fewer years than earlier plans. On Monday, judges in Kansas and Missouri ruled partially in favor of those arguments, halting some aspects of the SAVE plan and throwing its workings into doubt.
“It’s just chaos, and it’s unworkable chaos,” said Persis Yu, deputy executive director and managing counsel of the Student Borrower Protection Center, an advocacy group for people with student loans, about the court injunctions. “Borrowers right now need to hang tight” because there are so many questions about the SAVE plan’s future.
Here’s what to know about the status of the SAVE plan following this week’s legal setback.
What did the courts decide?
In a ruling from Kansas, U.S. District Judge Daniel D. Crabtree placed an injunction on the next phase of the SAVE program, which had been scheduled to take effect on July 1. Those include a major overhaul that would have cut many borrowers’ payments in half starting next month.
In Missouri, U.S. District Judge John A. Ross in Missouri, blocked the SAVE plan from providing any additional loan forgiveness. Under the loan relief initiative, some borrowers can qualify for forgiveness after 10 years of repayments, instead of the typical 20 or 25 year span.
Can borrowers still enroll in the SAVE plan?
Yes, according to the Department of Education.
“While we are assessing the rulings, borrowers can still enroll in the SAVE Plan. We will be sharing more information with borrowers soon,” the Department of Education said on its website.
If my student debt has been forgiven, could that be reversed?
That’s not certain, but It doesn’t appear so, according to Yu of the Student Borrower Protection Center.
“People who have received cancellation should be able to keep the cancellation,” Yu said. “It was in the Kansas case where the judge said once cancellation happens, you can’t unscramble the egg.”
She added, “It doesn’t mean reinstating loans, but for everybody else this is incredibly chaotic.”
What happens to student loan repayments on July 1?
Yu said it appears enrollees won’t get the benefit of lower payments beginning on that date, as the SAVE plan had promised.
Under the plan, payments for undergraduate loans were scheduled to be cut in half for many borrowers beginning next month. Repayments were slated to be cut from 10% to 5% of discretionary income above 225% of the federal poverty line.
For instance, a household with two people earning a combined $60,000 annually would have their income (up to 225% of the poverty line) protected from repayment, or about $44,370. That would give them discretionary income of about $15,630, with their repayments currently capped at 10% of that, or about $130.25 a month.
But starting on July 1, those payments would have been cut to 5% of their discretionary income, or about $65.13. That now appears to be halted by the Kansas ruling.
What happens with future efforts to forgive student loans?
That’s one of the questions that needs to be resolved. The Missouri judge wrote that his injunction applies to “those provisions of the SAVE plan that permit loan forgiveness,” but added that whether that becomes permanent will depend on how the litigation proceeds.
“How long do these borrowers need to stay on the hook for these loans, especially those near to the cancellation period — what does this mean for them?” Yu said. “Those are very important questions that don’t have answers.”
What is the Biden administration saying?
The White House on Monday said the Department of Justice “will continue to vigorously defend the SAVE Plan.”
The Biden administration will appeal both decisions, White House Press Secretary Karine Jean-Pierre wrote on X on Tuesday.
“Republican elected officials and special interests sued to block their own constituents from being able to benefit from this plan — even though the Department has relied on the authority under the Higher Education Act three times over the last 30 years to implement income-driven repayment plans,” said Education Secretary Miguel Cardona in a statement.
What are the Republican states that sued saying?
Republican officials applauded the legal decisions. Kansas Attorney General Kris Kobach, a Republican, called the Kansas injunction a “victory for the entire country.”
“As the court correctly held, whether to forgive billions of dollars of student debt is a major question that only Congress can answer,” he said in a statement. “Blue collar Kansas workers who didn’t go to college shouldn’t have to pay off the student loans of New Yorkers with gender studies degrees.”
CBS News
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
Getty Images
The Minnesota Vikings will take on the Chicago Bears today. The Vikings are currently 8-2, an impressive run so far this season, and will be looking to add a fourth win to their current streak after last Sunday’s 23-13 win against the Tennessee Titans. The Bears, on the other hand, are entering this game on the heels of a four-game losing streak after a tough 20-19 loss against the Green Bay Packers last Sunday.
Here’s how and when you can watch the Vikings vs. Bears game today, whether or not you have cable.
How and when to watch the Minnesota Vikings vs. Chicago Bears
The Vikings vs. Bears game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Minnesota Vikings vs. Chicago Bears game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Fubo offers you an easy, user-friendly way to watch NFL games on CBS, Fox, NBC, ABC, ESPN, and NFL Network, plus NCAA football channels. The Pro tier includes 200+ channels and unlimited DVR, while the Elite with Sports Plus tier adds NFL RedZone and 4K resolution. New subscribers get a seven-day free trial and all plans allow streaming on up to 10 screens simultaneously.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
Nic Antaya/Getty Images
The Detroit Lions will face off against the Indianapolis Colts today. The Lions enter this game as top contenders with a near-perfect record of 9-1 so far this season. The Colts, who are 5-6 this season, could have a tough game on their hands against the Lions but will be looking to rack up another win after prevailing over the New York Jets in a tight game last Sunday.
Here’s how and when you can watch the Colts vs. Lions game today, whether or not you have cable.
Here’s how and when to watch the Detroit Lions vs. Indianapolis Colts
The Lions vs. Colts game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (11:00 a.m. PT). The game will air on Fox and stream on Fubo and the platforms featured below.
How and when to watch the Detroit Lions vs. Indianapolis Colts game without cable
You can watch this week’s NFL game on Fox via several streaming services. All you need is an internet connection and one of the top options outlined below.
Experience NFL action like never before with Fubo’s comprehensive sports streaming platform. From Sunday showdowns to primetime matchups, catch every NFL game across major networks including CBS, Fox, NBC, ABC, ESPN and NFL Network. Choose the Pro package to unlock 200+ channels and limitless DVR storage, or elevate your game-day experience with the Elite with Sports Plus package, featuring NFL RedZone’s commercial-free scoring highlights and stunning 4K quality.
Test drive the service with a no-commitment seven-day free trial, and share the excitement with family and friends — Fubo supports simultaneous streaming on up to 10 devices, so everyone can watch their favorite teams.
You can watch today’s game with a subscription to Sling’s Orange + Blue tier, which includes ESPN, ABC, NBC, and Fox. The plan offers 46 channels with local NFL games, nationally broadcast games, and 50 hours of DVR storage. For complete NFL coverage, add Paramount+ to get CBS games, or upgrade with the Sports Extra add-on for additional sports channels like Golf Channel, NBA TV and NFL RedZone.
Watching NFL games, including Fox broadcasts, is simple with Hulu + Live TV, which includes 90 channels, unlimited DVR storage, and access to NFL preseason games, live regular season games and studio shows. The service includes ESPN+ and Disney+ in the subscription.
Want to watch today’s game live on your smartphone? If so, NFL+ streaming service is the solution you’re looking for. It lets you watch NFL Network and out-of-market games on mobile devices, with an upgrade option to NFL+ Premium that includes NFL RedZone for watching up to eight games simultaneously. Note that NFL+ only works on phones and tablets, not TVs.
CBS News
How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
Getty Images
The New England Patriots will face off against the Miami Dolphins in a game today at the Hard Rock Stadium in Miami. The Patriots have had an uneven season so far, coming into the game with a record of 3-8, including a 28-22 loss to the Los Angeles Rams on November 17. The Dolphins, however, haven’t fared much better this season as they enter the game with a record of 4-6, although they are coming off two wins in a row, the latest against the Las Vegas Raiders last weekend.
Keep reading to find out how and when to watch the New England Patriots vs. Miami Dolphins game today, even without cable.
CBS, Paramount+ and CBS Essentials are all subsidiaries of Paramount Global.
How and when to watch the New England Patriots vs. Miami Dolphins game today
The New England Patriots vs. Miami Dolphins game will be played on Sunday, November 24, 2024 at 1:00 p.m. ET (10:00 a.m. PT). The football game will be shown on CBS and streamed on Paramount+ and the platforms noted below.
How and when to watch the New England Patriots vs. Miami Dolphins game without cable
While CBS is available with many basic cable packages, you’ll have other viewing options, too for the Patriots-Dolphins game. Just understand that the below streaming options will require the use of an internet provider:
Paramount+: Watch CBS-aired NFL games without cable
With Paramount+ you’ll have multiple viewing options to choose from. You can catch NFL games on the Paramount+ Essential tier for just $7.99 each month or you can watch college football with a Paramount+ with Showtime subscription for $12.99 monthly. In addition to live streams of NFL games airing on CBS, you’ll get to watch additional live sporting events including NCAA college football, PGA Tour golf, soccer and more.
Get started with Paramount+ here today.
Amazon Prime Video: Add Paramount+ to your existing subscription
Already have an Amazon Prime Video account? Simply add Paramount+ to your current subscription to watch all the CBS-aired NFL games in addition to Paramount+ originals. The same prices from above apply, depending on which tier you choose. Not sure which is best for you? Don’t worry. Both options come with a free seven-day trial that can help you decide.
Watch the Patriots-Dolphins game on Amazon Prime Video.
Fubo: Watch the Patriots-Dolphins game for free
Looking for an inexpensive way to watch football? Fubo could be the best way to do so. The live TV streamer is currently offering a seven-day free trial and $30 off of your first month’s subscription. Once subscribed, you’ll gain access to all of their live sporting events immediately. And there will be a lot to choose from. Not only does Fubo come with access to NFL games airing on your local CBS channel, it also includes Fox Sunday NFC games, “Sunday Night Football” on NBC, “Monday Night Football” on ABC and ESPN and all of the games that air on the NFL Network. So don’t wait.
Get started with Fubo online now.
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more
How to watch the New England Patriots vs. Miami Dolphins NFL game today: Livestream options, more
How to watch the Minnesota Vikings vs. Chicago Bears NFL game today: Livestream options, more
How to watch the Detroit Lions vs. Indianapolis Colts NFL game today: Livestream options, more