SPECIAL SECTION:
as you go. Extended plans may be made in a fixed amount
or a graduated amount and ensure payment in full within
25 years. Income-based plans take 10-15 percent of your
discretionary income and are recalculated each year.
Once you are married, your spouse’s income will also be
considered, if filing jointly on tax returns. Any outstanding
balance on the loan will be forgiven after 20-25 years.
• Consolidate for ease – If you have multiple federal loans,
consolidating them into one can make repayment easier.
But there may be fees or other conditions associated with
consolidating, so be sure to do your research.
• Is forgiveness an option? Some programs offer loan
forgiveness if you meet certain criteria or work in a
particular field. People in government, nonprofit, and
other public service jobs may have the remainder of
their loans forgiven after 10 years of service. Additional
forgiveness options are available for nurses, teachers,
AmeriCorps and Peace Corps volunteers, and some state
and private programs.
PRE-K – HIGH SCHOOL
The first public school opened in the United States in
1635, and the Boston Latin School remains the nation’s
oldest public school. Early education didn’t focus on
math or science, but on the virtues of family, religion and
community. Nearly 400 years later, schools are harnessing
EDUCATION
the fundamental principles of community, and although it
may look very different in this day and age, a strong focus
is being put on the importance of creating a safe school
culture and tapping into technology for limitless learning.
In 2019, students, parents, teachers, and administrators
are seeing changes both inside and outside of the
classroom. One of the biggest changes in recent years
comes in the form of technology. Artificial Intelligence
(AI) continues to change education tools and is expected
to increase in implementation in U.S. classrooms by
47.5% in the next three years, according to the Artificial
Intelligence Market in the U.S. Education Sector report.
In addition to AI, other technologies are providing
students with the opportunity to connect with classmates
in other countries, giving teachers the ability to educate
a virtual classroom from the comfort of their own home,
and expanding access to applications that were once
inaccessible.
Another key focus in education this year is on ensuring
that students feel safe, connected, supported, and
challenged through a variety of different ways. School
culture and safety are being addressed and adapted based
on recent school safety concerns across the country.
Teachers, administrators, families, and community groups
are putting a critical focus on social-emotional learning
activities to facilitate a better look into dealing with
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NORWIN ❘ FALL 2019
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