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Q&A on Mpox
Editor’s note: This is an updated version of a Q&A we published in May 2022. Last summer saw the largest outbreak ever of mpox, the disease formerly known as monkeypox. Beginning in May 2022, cases of the disease, which is a much less dangerous relative of smallpox, began cropping up in Europe and other places outside […]
The post Q&A on Mpox first appeared on BlackPressUSA.
Editor’s note: This is an updated version of a Q&A we published in May 2022.
Last summer saw the largest outbreak ever of mpox, the disease formerly known as monkeypox.
Beginning in May 2022, cases of the disease, which is a much less dangerous relative of smallpox, began cropping up in Europe and other places outside of Central and West Africa, where mpox normally occurs sporadically.
People all over the world, primarily gay men and other men who have sex with men, developed painful and infectious lesions characteristic of the disease, and a small number of them died.
By late July 2022, the World Health Organization designated the growing outbreak a public health emergency of international concern. With more than 6,600 American cases, the U.S. also declared mpox a public health emergency in early August.
A year later, the situation has improved. Following a peak of cases in mid-August 2022, and a rapid vaccination campaign in some countries, the outbreak subsided in December. Caseloads fell from more than 1,000 a day worldwide to fewer than 75 a day by the end of the year, and from more than 400 a day in the U.S. to fewer than 10, with further declines since then. Given the relative trickle of cases, the U.S. ended its mpox emergency in January, and the WHO did so in May.
But the outbreak is not over. (Even a single case of confirmed mpox in a country is considered an outbreak.) And with warmer weather and the arrival of Pride month, health officials and other experts are concerned that mpox could be on the rise again. In mid-May, the Centers for Disease Control and Prevention assessed the risk of resurgent mpox outbreaks as “substantial.”
Here, we provide an update on the disease, and explain what makes the outbreak unusual and how people can protect themselves.
What is mpox?
Mpox is a rare disease caused by the monkeypox virus, which is in the same orthopoxvirus genus and poxvirus family as the more lethal and contagious smallpox virus, according to the CDC.
Mpox is the new name for monkeypox. In November, in recognition that the name could be stigmatizing and does not conform to current best practices for naming diseases, the World Health Organization and the CDC began using mpox to refer to the disease.
The virus name, however, remains unchanged. The International Committee on the Taxonomy of Viruses, which is responsible for determining virus names, was already considering a virus name change prior to the outbreak, but is still in the middle of the renaming process.
As with other poxvirus diseases, mpox is known for a characteristic rash and is similar in presentation to smallpox, although it will cause lymph nodes to swell and is otherwise less severe.
Mpox is a zoonosis, meaning that the virus is transmitted to people from animals. People typically become infected sporadically in the forested parts of Central and West Africa where the disease is endemic, after an interaction with an infected animal. Once infected, people can spread the virus to others, but that requires close contact.
Mpox’s former name stems from the disease’s discovery in lab monkeys in 1958, but the virus is not found exclusively or even primarily in monkeys. Many species, including rope and tree squirrels, Gambian pouched rats, and dormice, are able to harbor the virus. The natural host and source of the virus is unknown, but is likely to be a rodent.
There are two main types, or clades, of monkeypox virus: clade I, formerly known as the Congo Basin clade, and a less lethal clade II, formerly known as the Congo Basin clade (the clades were also renamed).
The 2022-2023 outbreak is due to a subtype of the less severe clade (clade IIb).
When did the outbreak begin, and how is it unusual?
The 2022-2023 mpox outbreak was first recognized in the U.K. in May 2022, but likely began earlier.
On May 13, 2022, the U.K. reported to the World Health Organization one probable and two confirmed cases of mpox from a single household, in people who had not traveled to an mpox-endemic area.
Other mpox cases were soon recognized in the U.K., other parts of Europe, and in Australia, Canada and the U.S., mainly among men who have sex with men.
Ultimately, as of June 19, mpox has spread to 112 countries, sickening nearly 88,000 people, and killing 147. In the U.S., as of June 21, more than 30,000 cases have been reported, including 43 deaths.
Both the size and geographic range of the outbreak — the largest and widest ever, by far — along with the demographics of the people affected make it unusual.
Normally, mpox is extremely rare outside of Africa, and cases are usually imported with no onward transmission. The first mpox outbreak outside of Africa occurred in the U.S. in 2003 when imported rodents from Ghana sickened pet prairie dogs, who then spread the disease to humans. That outbreak included 47 confirmed or probable cases, according to the CDC.
But with this outbreak, it’s clear that person-to-person transmission has occurred in nonendemic countries. That has never happened before on any kind of scale.
As the WHO says, “This is the first time that cases and sustained chains of transmission have been reported in countries without direct or immediate epidemiological links to areas of West or Central Africa.”
The outbreak has also been atypical because of the high concentration of cases among men who have sex with men. Of the global mpox cases with information on sex or sexual orientation, 96.2% have been in men and 84.1% have been in men who have sex with men, according to WHO data as of June 19.
That does not mean that only these individuals can contract mpox, but they are at higher risk.
What are the symptoms, and how severe is mpox?
Symptoms of mpox are reminiscent of smallpox and usually appear within a week or two after infection. The most common symptom is a rash, which may include only a single, small lesion, or may be widespread. Other symptoms include fever, headache, swollen lymph nodes, muscle aches, fatigue, chills, sore throat and respiratory symptoms.
According to the WHO, in previous outbreaks, mpox typically began with a fever, muscle aches and a sore throat before a rash would appear on the face and spread to the rest of the body, including the palms of the hands and soles of the feet.
But in the latest outbreak, many patients develop a rash first or never experience other symptoms — and the rash often remains localized. Frequently, the first lesions occur in genital areas or in or around the anus or mouth. Some patients develop rectal pain and bleeding.
The rash starts off flat, then progresses to raised and fluid- and pus-filled lesions, which then scab over and fall off. The lesions are usually painful until they crust over, when they are itchy.
Mpox is usually mild, sickening people for two to four weeks, although the disease may be painful and highly unpleasant.
Severe disease and death, however, are possible. As the WHO explains, patients can develop secondary skin infections, lose their vision, become dehydrated or malnourished, and develop sepsis or inflammation of a variety of organs.
People who are immunocompromised, including those with uncontrolled HIV, are at higher risk of more severe disease, as are pregnant people and children.
Fortunately, the virus identified in the latest cases belongs to the less lethal clade II, which has been shown to kill about 1% of people identified with the disease in Africa, according to the WHO, in contrast to clade I, which may kill up to 10%.
Statistics for the current outbreak suggest the risk of death is much lower than 1%, although this may reflect improved identification of cases, better access to health care, or differences in the number of immunosuppressed people in a population.
In the U.S., 0.14% of people with mpox have died. According to a CDC review of mpox-related deaths as of this March, “nearly all” of those who died were immunocompromised, the vast majority of whom had HIV.
How is the virus transmitted, and how contagious is it?
Mpox is initially spread to a person through an infected animal in an endemic area, which could occur through a bite or scratch or any contact with the animal’s body or lesion fluids.
Once humans are infected, they can pass the virus on to others through close contact. Often, but not always, this involves direct contact with an infected person’s skin, since the rash, including scabs and fluids from the lesions, are especially infectious.
In the 2022-2023 outbreak, transmission has primarily occurred through sexual contact. Patients have frequently reported mpox rashes on their genitals or in their mouths.
Mpox is therefore considered sexually transmissible, although there remains some debate as to whether it should be labeled a sexually transmitted infection, or STI. Although viable virus is present in semen, it’s not known if the virus can be spread through semen or vaginal fluids.
Mpox, however, does not require sexual or even physical contact with another person to spread. Because lesions in the mouth can render saliva infectious, the virus can also spread through respiratory droplets, although it takes a lot of face-to-face contact to spread the virus this way.
Contaminated clothing, bedding or other objects can also spread mpox, although the CDC considers this route of transmission to be low risk.
Because a high level of contact is usually required, mpox is not considered very contagious, in contrast to COVID-19.
People are infectious until their scabs fall off and a new layer of skin forms. According to the CDC, everyone is infectious from the time they develop symptoms, but some mpox patients may also be able to spread the disease up to four days before symptoms appear.
A small proportion of people infected with the virus never develop any symptoms and are considered asymptomatic. It’s not known whether these individuals are ever infectious. It’s possible they may be, since culturable virus has been identified in a couple of asymptomatic people. But there have not been any confirmed cases of asymptomatic transmission.
To protect others, people who have mpox should isolate for the duration of their illness and notify their close contacts so those individuals can get vaccinated and isolate, and get tested if they develop symptoms.
How is mpox treated?
There are no mpox-specific treatments. Most mpox treatment consists of supportive care and managing a person’s symptoms, such as taking medicines to relieve fever and pain, which can be severe.
For those with lesions in their mouths, the CDC recommends rinsing with salt water multiple times per day. Certain mouthwashes and oral anesthetics can also help.
Patients should avoid touching their rash, even if it is itchy. Topical creams or gels, along with antihistamines, may help with the pain or itchiness, and some people with anal or genital lesions may find it soothing to take a warm sitz bath.
All patients should monitor their skin for secondary bacterial infections, which can be treated with antibiotics.
If someone is severely ill or at high-risk for severe disease, there are other treatment options, although they are not well studied and have not been FDA-approved for mpox. These include the antivirals tecovirimat, brincidofovir and cidofovir, as well as intravenous vaccinia immune globulin, which is purified antibody collected from people vaccinated with a smallpox vaccine. Another antiviral, trifluridine, can be used if someone has or is at risk for eye lesions.
None of the drugs has been shown to work against mpox in a clinical trial. They are being used largely on the basis of their effectiveness against orthopoxviruses in animals. Some can have significant side effects and are only available from the Strategic National Stockpile.
The most important of these is tecovirimat, or Tpoxx, which is FDA-approved for smallpox and is the “first-line therapy” for seriously ill and high-risk mpox patients, according to the CDC.
Tecovirimat, which is almost always taken as a pill, has been tested for safety in healthy people, but not for efficacy. It has been shown to protect monkeys against a lethal dose of monkeypox virus when given within five days of infection.
Because the drug is investigational and it’s not known if it’s safe and effective to treat mpox, patients are encouraged to receive tecovirimat in an ongoing clinical trial (STOMP).
Tecovirimat’s safety profile is better than several of the other antivirals being considered for mpox. A CDC study of nearly 550 mpox patients in the U.S. who received tecovirimat last summer found that the drug was well tolerated, similar to another small study in California and the trial results in healthy people. The CDC study also found that people’s symptoms improved within a median of three days, although there was no control group to tell whether that was faster than without the drug.
One concern with tecovirimat is that monkeypox virus may be able to easily become resistant to the drug, which is one reason why it’s limited to high-risk people.
How can someone protect themselves from getting mpox?
People can prevent mpox by getting vaccinated and by avoiding or reducing close contact with others who may be infected. This includes lowering one’s risk by practicing safer sex and limiting the number of sexual partners, especially prior to vaccination and during the time between the first and second doses of the Jynneos vaccine.
The Jynneos vaccine is a third-generation smallpox vaccine that is also FDA-approved for mpox. It’s a two-dose vaccine injected either below the skin or between skin layers (subcutaneously or intradermally), 28 days apart, to those who are at high risk of mpox. Vaccination is not recommended for the general public.
Ideally, the Jynneos vaccine is given prior to exposure or within four days of exposure to prevent mpox. However, it can still be given up to 14 days after an exposure, as it still may lessen the severity of the disease.
Vaccination is not expected to be helpful once someone has tested positive for mpox or developed symptoms, according to the CDC. People also do not need to get vaccinated if they previously had mpox, nor complete vaccination if they got mpox after a first dose — with some exceptions for certain immunocompromised people.
The Jynneos vaccine is made from weakened vaccinia virus, a related but less severe orthopox virus. The weakened version in the vaccine doesn’t make people sick and doesn’t replicate in human cells (the vaccine can’t give you smallpox or mpox).
Another smallpox vaccine, ACAM2000, which uses a weakened vaccinia virus that does replicate, has been made available for the mpox outbreak. But it has not been used, since it has more side effects than Jynneos and should not be given to people who are immunocompromised, among others.
How effective is the Jynneos vaccine?
Prior to the 2022 outbreak, the Jynneos vaccine had only been tested for efficacy in animals and evaluated for effectiveness in people by studying people’s immune responses to the vaccine, so it wasn’t clear how well it would work in practice against mpox. However, studies of the vaccine’s performance last summer have found it works quite well.
A preliminary study published by the CDC found that between late July and early October 2022, mpox was 9.6 times more frequent among vaccine-eligible adult males below the age of 50 who were unvaccinated than those who had received two doses of vaccine, and 7.4 times more frequent than those who had received a single dose. The analysis, however, could not control for many factors that might make the unvaccinated and vaccinated populations different.
The study also suggested that there wasn’t a difference in effectiveness whether the vaccine was given subcutaneously or intradermally. The Jynneos vaccine was approved in 2019 as a subcutaneous shot, but in August 2022, facing limited vaccine supply, the FDA authorized the vaccine to be given intradermally, which uses a fifth of the subcutaneous dose.
A trio of studies published this May back up these findings. A study in New York state that compared mpox vaccination rates in people who were diagnosed with mpox with those of control patients who were diagnosed with rectal gonorrhea or primary syphilis found that a single Jynneos dose was 68% effective against symptomatic mpox and two doses were 89% effective.
Another CDC study, covering 12 states or cities, estimated vaccine effectiveness at 75% for a single dose and 86% for two. It did not find any major differences in effectiveness for those vaccinated intradermally versus subcutaneously, suggesting both routes are comparable. The study also found lower levels of protection in immunocompromised individuals, although this was not statistically significant.
A third study, drawing on nationwide electronic health records and published in the New England Journal of Medicine, found partial and full vaccination to reduce the risk of a medically attended case of mpox by 36% and 66%, respectively.
Although the specific point estimates of vaccine effectiveness vary, the studies consistently found that the Jynneos vaccine lowers the risk of mpox and that two doses are better than one.
No vaccine is 100% effective, and it’s not known how long vaccination protects against mpox. There have been reported mpox cases in those who have been vaccinated, including a majority of individuals identified in an mpox cluster of 40 people in Chicago this spring. According to a CDC report, the fully vaccinated patients in the cluster had mild symptoms and were less likely than those who were partially vaccinated or unvaccinated to have genital lesions or lesions affecting the eyes. The two hospitalizations in the cluster occurred in unvaccinated people with advanced HIV.
The resurgence of mpox in Chicago, however, underscores the concern from health officials that mpox could make a comeback this summer.
A CDC modeling analysis from April concluded that locales with low levels of vaccination coverage — specifically less than 35% of the at-risk population having received at least one Jynneos dose — have a 35% or higher chance of an mpox outbreak, if the disease is reintroduced to the area. This includes most jurisdictions in the U.S., although not last summer’s mpox hot spots, including California, the District of Columbia, Illinois and New York.
Editor’s note: SciCheck’s articles providing accurate health information and correcting health misinformation are made possible by a grant from the Robert Wood Johnson Foundation. The foundation has no control over FactCheck.org’s editorial decisions, and the views expressed in our articles do not necessarily reflect the views of the foundation.
The post Q&A on Mpox appeared first on Forward Times.
The post Q&A on Mpox first appeared on BlackPressUSA.
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IN MEMORIAM: Beloved ‘Good Times’ Star and Emmy-Nominated Actor, John Amos, Dies at 84
NNPA NEWSWIRE — Amos’ acting career spanned over five decades, with his most iconic role being that of James Evans Sr., the no-nonsense, hard-working father on the groundbreaking CBS sitcom “Good Times” (1974–1979). The show, which was the first sitcom to center on an African American family, became a cultural touchstone, and Amos’ portrayal of James Evans Sr. made him a symbol of strength and dignity for countless viewers.
By Stacy M. Brown
NNPA Newswire Senior National Correspondent
John Amos, the Emmy-nominated actor and pioneering television star who brought to life some of the most beloved characters in entertainment history, has died. He was 84. His son, K.C. Amos, confirmed in a statement that Amos passed away more than a month ago, on Aug. 21, in Los Angeles of natural causes. The younger Amos didn’t say why he kept his father’s death under wraps for more than a month.
“It is with heartfelt sadness that I share with you that my father has transitioned,” K.C. said. “He was a man with the kindest heart and a heart of gold… and he was loved the world over. Many fans consider him their TV father. He lived a good life. His legacy will live on in his outstanding works in television and film as an actor.”
Amos’ acting career spanned over five decades, with his most iconic role being that of James Evans Sr., the no-nonsense, hard-working father on the groundbreaking CBS sitcom “Good Times” (1974–1979). The show, which was the first sitcom to center on an African American family, became a cultural touchstone, and Amos’ portrayal of James Evans Sr. made him a symbol of strength and dignity for countless viewers.
However, his time on the series was cut short after three seasons due to creative differences with the show’s producers. Amos famously clashed with the show’s direction, objecting to what he saw as the stereotypical portrayal of his on-screen son, J.J., played by Jimmie Walker.
“We had a number of differences,” Amos recalled in later interviews, according to the Hollywood Reporter. “I felt too much emphasis was being put on J.J. in his chicken hat, saying ‘Dy-no-mite!’ every third page.” Amos’ insistence on portraying a more balanced, positive image of the Black family on television led to his departure from the show in 1976, when his character was written out in a dramatic two-part episode.
Born John Allen Amos Jr. on Dec. 27, 1939, in Newark, New Jersey, Amos began his professional life with dreams of playing football. He played the sport at Colorado State University and had brief stints with teams like the Denver Broncos and Kansas City Chiefs. But after a series of injuries and cutbacks, Amos transitioned to entertainment, beginning his career as a writer and performer.
Amos got his first major acting break as Gordy Howard, the good-natured weatherman on “The Mary Tyler Moore Show,” appearing on the iconic series from 1970 to 1973. He would go on to write and perform sketches on “The Leslie Uggams Show” and later landed roles in various television series and films.
In 1977, Amos received an Emmy nomination for his powerful portrayal of the adult Kunta Kinte in the landmark ABC miniseries “Roots,” a role that solidified his status as one of television’s most respected actors. Amos’ performance in “Roots”, one of the most watched and culturally significant TV events of all time, remains one of his most enduring achievements.
In addition to his success on television, Amos made his mark in films. He appeared in Melvin Van Peebles’ groundbreaking blaxploitation film “Sweet Sweetback’s Baadasssss Song” (1971) and “The World’s Greatest Athlete” (1973). He was widely recognized for his role in “Coming to America” (1988), where he played Cleo McDowell, the owner of McDowell’s, a fast-food restaurant parody of McDonald’s. Amos reprised the role over three decades later in “Coming to America 2” (2021).
His filmography also includes the Sidney Poitier and Bill Cosby classic “Let’s Do It Again” (1975), “The Beastmaster” (1982), “Die Hard 2” (1990), “Ricochet” (1991), “Mac” (1992), “For Better or Worse” (1995), “The Players Club” (1998), “Night Trap” (1993), and “Because of Charley” (2021).
Amos was also a familiar face on television throughout the 1980s, 1990s, and 2000s, with recurring roles in shows like “The West Wing” as Admiral Percy Fitzwallace, chairman of the Joint Chiefs of Staff, and “The Fresh Prince of Bel-Air” as Will Smith’s stepfather. He appeared in “The District,” “Men in Trees,” “All About the Andersons” (as Anthony Anderson’s father), and the Netflix series “The Ranch.”
Beyond acting, Amos had a passion for writing and performing in theater. In the 1990s, when he found it challenging to secure roles in Hollywood, he wrote and starred in the one-person play “Halley’s Comet,” about an 87-year-old man waiting in the woods for the comet’s arrival. He toured with the production for over 20 years, performing in cities across the United States and abroad.
In addition to his onscreen and stage accomplishments, Amos co-produced the documentary “America’s Dad,” which explored his life and career. He was also involved in Broadway, appearing in Carl Reiner’s “Tough to Get Help” production in 1972.
John Amos’ life and career were not without personal challenges. In recent years, he was embroiled in a public legal battle between his children, K.C. and Shannon, over accusations of elder abuse.
This unfortunate chapter cast a shadow over his later years. However, his legacy as a beloved television father and one of Hollywood’s pioneering Black actors remains untarnished.
Both K.C. and Shannon, children from his first marriage to artist Noel “Noni” Mickelson and his ex-wife, actress Lillian Lehman, survive Amos.
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Reading and Moving: Great Ways to Help Children Grow
NNPA NEWSWIRE — In these formative years, your little one will learn to walk, learn how to grab and hold items, begin building their muscle strength, and more. Here are some ways to facilitate positive motor development at home:
Council for Professional Recognition
Before a child even steps into a classroom or childcare center, their first life lessons occur within the walls of their home. During their formative years, from birth to age five, children undergo significant cognitive, motor, and behavioral development. As their primary guides and first teachers, parents, and guardians play a pivotal role in fostering these crucial aspects of growth.
The Council for Professional Recognition, a nonprofit, is dedicated to supporting parents and families in navigating questions about childcare and education training. In keeping with its goal of meeting the growing need for qualified early childcare and education staff, the Council administers the Child Development Associate (CDA). The CDA program is designed to assess and credential early childhood education professionals. This work gives the Council great insights into child development.
Cognitive Development: Building the Foundation of Learning
Cognitive development lays the groundwork for a child’s ability to learn, think, reason, and solve problems.
- Read Together: One of the most powerful tools for cognitive development is reading. It introduces children to language, expands their vocabulary, and sparks imagination. Make reading a daily ritual by choosing age-appropriate books that capture their interest.
- Play Together: Play is a child’s entry to the physical, social, and affective worlds. It’s a critical and necessary tool in the positive cognitive development of young children and is directly linked to long-term academic success.
- Dance and Sing Together: These types of activities help young children develop spatial awareness and lead to improved communication skills. As a bonus, it’s also helpful for improving gross motor skills.
- Invite your Child to Help you in the Kitchen: It’s a fun activity to do together and helps establish a basic understanding of math and lifelong healthy eating practices.
- Encourage Questions: As children find their voice, they also find their curiosity for the world around them; persuade them to ask questions and then patiently provide answers.
Motor Development: Mastering Movement Skills
Motor development involves the refinement of both gross and fine motor skills, which are essential for physical coordination and independence. In these formative years, your little one will learn to walk, learn how to grab and hold items, begin building their muscle strength, and more. Here are some ways to facilitate positive motor development at home:
- Tummy Time: Starting from infancy, incorporate daily tummy time sessions to strengthen neck and upper body muscles, promoting eventual crawling and walking. You can elevate the tummy time experience by:
- Giving children lots of open-ended toys to explore like nesting bowls, a pail and shovel, building blocks, wooden animals, and people figures.
- Hanging artwork on the wall that appeals to infants, including bold colors, clear designs, and art from various cultures.
- Providing mobiles that children can move safely and observe shapes and colors.
- Outdoor Play: Provide opportunities for outdoor play, whether it’s at a park, playground, or in a backyard. Activities such as running, jumping, climbing, and swinging enhance gross motor skills while allowing children to connect with nature. Also, try gardening together! Not only does gardening promote motor skill development, but it offers many other benefits for young children including stress management, cognitive and emotional development, sensory development, and increased interest in math, sciences, and healthy eating.
- Fine Motor Activities: Fine motor skills relate to movement of the hands and upper body, as well as vision. Activities that encourage hand-eye coordination and fine motor skill development include:
- Drawing and coloring
- Doing puzzles, with size and piece amounts dependent on the age of the child
- Dropping items or threading age-appropriate beads on strings
- Stacking toys
- Shaking maracas
- Using age-appropriate, blunt scissors
- Playing with puppets or playdough
This is the type of knowledge that early childhood educators who’ve earned a Child Development Associate credential exhibit as they foster the social, emotional, physical, and cognitive growth of young children.
Supporting Early Childhood Educators
Recently, a decision in Delaware has helped early childhood professionals further their efforts to apply this type of knowledge. Delaware State University, Delaware Technical Community College, and Wilmington University have signed agreements to award 12 credits for current and incoming students who hold the Child Development Associate credential.
Delaware Governor John Carney said, “I applaud the Department of Education and our higher education partners for this agreement, which will support our early childhood educators. Research shows how important early childhood education is to a child’s future success. This new agreement will help individuals earn their degrees and more quickly get into classrooms to do the important work of teaching our youngest learners in Delaware.”
Council for Professional Recognition CEO Calvin E. Moore, Jr., said his organization is honored to be a part of this partnership.
“Delaware and the work of these institutions is a model that other states should look to. This initiative strengthens the early childhood education workforce by accelerating the graduation of more credentialed educators, addressing the critical need for qualified educators in early childhood education. We have already seen the impact the work of the Early Childhood Innovation Center has brought to the children of Delaware.”
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Student Loan Debt Drops $10 Billion Due to Biden Administration Forgiveness
NNPA NEWSWIRE — The Center for American Progress estimates the interest waiver provisions would deliver relief to roughly 6 million Black borrowers, or 23 percent of the estimated number of borrowers receiving relief, as well as 4 million Hispanic or Latino borrowers (16 percent) and 13.5 million white borrowers (53 percent).
New Education Department Rules hold hope for 30 million more borrowers
By Charlene Crowell, The Center for Responsible Lending
As consumers struggle to cope with mounting debt, a new economic report from the Federal Reserve Bank of New York includes an unprecedented glimmer of hope. Although debt for mortgages, credit cards, auto loans and more increased by billions of dollars in the second quarter of 2024, student loan debt decreased by $10 billion.
According to the New York Fed, borrowers ages 40-49 and ages 18-29 benefitted the most from the reduction in student loan debt.
In a separate and recent independent finding, 57 percent of Black Americans hold more than $25,000 in student loan debt compared to 47 percent of Americans overall, according to The Motley Fool’s analysis of student debt by geography, age and race. Black women have an average of $41,466 in undergraduate student loan debt one year after graduation, more than any other group and $10,000 more than men.
This same analysis found that Washington, DC residents carried the highest average federal student loan debt balance, with $54,146 outstanding per borrower. Americans holding high levels of student debt lived in many of the nation’s most populous states – including California, Texas, and Florida.
The Fed’s recent finding may be connected to actions taken by the Biden administration to rein in unsustainable debt held by people who sought higher education as a way to secure a better quality of life. This decline is even more noteworthy in light of a series of legal roadblocks to loan forgiveness. In response to these legal challenges, the Education Department on August 1 began emailing all borrowers of an approaching August 30 deadline to contact their loan servicer to decline future financial relief. Borrowers preferring to be considered for future relief proposed by pending departmental regulations should not respond.
If approved as drafted, the new rules would benefit over 30 million borrowers, including those who have already been approved for debt cancellation over the past three years.
“These latest steps will mark the next milestone in our efforts to help millions of borrowers who’ve been buried under a mountain of student loan interest, or who took on debt to pay for college programs that left them worse off financially, those who have been paying their loans for twenty or more years, and many others,” said U.S. Secretary of Education Miguel Cardona.
The draft rules would benefit borrowers with either partial or full forgiveness in the following categories:
- Borrowers who owe more now than they did at the start of repayment. This category is expected to largely benefit nearly 23 million borrowers, the majority of whom are Pell Grant recipients.
- Borrowers who have been in repayment for decades. Borrowers of both undergraduate and graduate loans who began repayment on or before July 1, 2000 would qualify for relief in this category.
- Borrowers who are otherwise eligible for loan forgiveness but have not yet applied. If a borrower hasn’t successfully enrolled in an income-driven repayment (IDR) plan but would be eligible for immediate forgiveness, they would be eligible for relief. Borrowers who would be eligible for closed school discharge or other types of forgiveness opportunities but haven’t successfully applied would also be eligible for this relief.
- Borrowers who enrolled in low-financial value programs. If a borrower attended an institution that failed to provide sufficient financial value, or that failed one of the Department’s accountability standards for institutions, those borrowers would also be eligible for debt relief.
Most importantly, if the rules become approved as drafted, no related application or actions would be required from eligible borrowers — so long as they did not opt out of the relief by the August 30 deadline.
“The regulations would deliver on unfulfilled promises made by the federal government to student loan borrowers over decades and offer remedies for a dysfunctional system that has often created a financial burden, rather than economic mobility, for student borrowers pursuing a better future,” stated the Center for American Progress in an August 7 web article. “Meanwhile, the Biden-Harris administration also introduced income limits and caps on relief to ensure the borrowers who can afford to pay the full amount of their debts do so.”
“The Center for American Progress estimates the interest waiver provisions would deliver relief to roughly 6 million Black borrowers, or 23 percent of the estimated number of borrowers receiving relief, as well as 4 million Hispanic or Latino borrowers (16 percent) and 13.5 million white borrowers (53 percent).”
These pending regulations would further expand the $168.5 billion in financial relief that the Biden Administration has already provided to borrowers:
- $69.2 billion for 946,000 borrowers through fixes to Public Service Loan Forgiveness (PSLF).
- $51 billion for more than 1 million borrowers through administrative adjustments to IDR payment counts. These adjustments have brought borrowers closer to forgiveness and addressed longstanding concerns with the misuse of forbearance by loan servicers.
- $28.7 billion for more than 1.6 million borrowers who were cheated by their schools, saw their institutions precipitously close, or are covered by related court settlements.
- $14.1 billion for more than 548,000 borrowers with a total and permanent disability.
- $5.5 billion for 414,000 borrowers through the SAVE Plan.
More information for borrowers about this debt relief is available at StudentAid.gov/debt-relief.
Charlene Crowell is a senior fellow with the Center for Responsible Lending. She can be reached at Charlene.crowell@responsiblelending.org.
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