Viewers will witness real cases of people improving their lives with the help of top hypnotherapists and specialists Gossip Stone TV, a popular television network, has announced the start of pre-production for its newest reality show, Hypno Challenge. The show is set to give people a second chance at transforming their lives and making positive […]

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NEW YORK, May 19, 2023 (Newswire.com)
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Curated, a prominent New York-based mental health practice specializing in psychedelic-assisted therapy, is launching …

The post Curated Marks Mental Health Awareness Month With Educational Campaign first appeared on RSVTV news.

R’s KOSO, less sugar

LOS ANGELES, May 18, 2023 (Newswire.com)
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R’s KOSO, a Los Angeles-based company founded by Ryu Okada, has announced the release of a new lower sugar version of its original Koso drink. This new product contains the same powerful combination of probiotics, prebiotics, and postbiotics that support gut health, but with 80% less sugar. 

“Our mission has always been to help people support their gut health, and this new product is a great addition to our line,” said Ryu Okada, Founder and CEO of R’s KOSO. “We are thrilled to offer our customers a lower sugar option that still delivers all the benefits of our original Koso drink.”

R’s KOSO is a century-old traditional Japanese drink that has been shown to support the gut-brain connection, promoting better digestion and well-being. More than 100 natural fruits, vegetables, seaweeds, and mushrooms are used in the production of Koso. The consumption of probiotics, prebiotics, and postbiotics can help promote a healthy gut, which is essential for overall health. 

Koso offers the most comprehensive, healthy way to cleanse. Customers can choose to replace breakfast each morning with Koso, or opt for a 1-day or 3-day Koso cleanse, to fit their individual lifestyles. The MSRP of the new lower sugar version is $99, and customers who subscribe can enjoy a 25% discount. 

To purchase R’s KOSO’s new lower sugar Koso drink or to learn more about the benefits of the traditional Japanese drink, visit rskoso.com.

Contact Information:

Dr. Danielle Kelvas, MD

Physician, Public Relations Consultant

[email protected]

Original Source:

R’s KOSO Launches New Lower Sugar Version of Its Century-Old Traditional Japanese Koso Drink

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LOR selects 61 projects submitted by farmers and ranchers that explore innovative approaches to using water in agriculture.

Field Work Logo Field…

The post LOR Foundation Invests Over $500,000 in Innovative Water Projects Led by Western Farmers and Ranchers first appeared on RSVTV news.

NEW YORK, May 18, 2023 (Newswire.com)
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Laurel Road: Student loan debt in the United States totals over 1.7 trillion dollars, with almost 44 million borrowers holding federal loans. Public Service Loan Forgiveness (PSLF) is a federal student loan forgiveness program that offers borrowers the opportunity to have their remaining federal student loan balance forgiven after making 120 qualifying monthly payments over the course of 10 years. PSLF requires individuals to be enrolled in an income-driven repayment plan (IDR). IDR programs utilize information such as annual income, which can help stabilize monthly payments, which can be especially important at the outset of careers. But what happens when an enrollee’s salary rises? Salary can play an important role in some of the elements of PSLF—including how much borrowers can save.

PSLF requirements

Qualifying for and applying to the PSLF program involves several important steps. Borrowers must: 

• be employed full-time by a US federal, state, local, or tribal government or qualifying not-for-profit organization 
• have Direct Loans (or consolidate other federal student loans into a Direct Consolidation Loan)
• enroll in an income-driven repayment (IDR) plan
• make 120 qualifying payments over 10 years
• submit a complete PSLF application along with the required paperwork

After completing all PSLF requirements, a candidate’s remaining Direct Loan balance can be completely forgiven.

Income-driven Repayment Plans 

Borrowers seeking PSLF are required to enroll in an Income-driven Repayment plan. Federal student loan borrowers who are having difficulty with their monthly payments could benefit from IDR as these plans calculate monthly payment amounts based on income and family size – rather than the amount of the loan – which can help make student loan debt more manageable. 

There are four IDR plans available: 

• Income-Based Repayment Plan (IBR)
• Pay As You Earn Repayment Plan (PAYE)
• Revised Pay As You Earn Repayment Plan (REPAYE)
• Income-Contingent Repayment Plan (ICR)

Each plan has its own set of requirements and benefits. Federal student loan recipients must demonstrate financial hardship, such as low income or a high debt-to-income (DTI) ratio, in order to qualify.

Payments are typically made over a period of 20 to 25 years, after which any remaining loan balance may be forgiven. 

High earners, IDR payments, and PSLF

There is no maximum income cap in the IDR or PSLF program. If a borrower begins with an income low enough to qualify for an IDR plan but later earns a higher salary, their monthly payments under the IDR plan could increase. They may still be eligible for potential forgiveness through PSLF if they continue to work full-time for a qualifying employer and make the required 120 qualifying payments. However, a high-earning IDR participant may become ineligible for forgiveness if they pay off their student loan before making all 120 qualifying payments. Some borrowers may elect to switch to an IDR program that can give them the lowest monthly payments possible.

Recertification Rules

IDR participants must recertify their eligibility once per year by providing information about their income and family size – even if nothing has changed. IDR plans use that data to recalculate a participant’s monthly payment, determining whether it should rise, fall, or remain unchanged.  

Borrowers also have the option to recertify and recalculate their payment at the time a life change occurs, such as the addition of a family member or the loss of a job. Borrowers who recertify late or fail to recertify may face penalties, increased payments, or even termination of their IDR plan.

Other repayment options

An IDR plan may not be right for everyone. Federal student loan recipients can talk to their loan servicer about other options, such as: 

• Standard Repayment Plan: fixed monthly payments for 10 years. 
• Graduated Repayment Plan: begins with lower monthly payments that gradually increase every two years over a 10-year period.
• Extended Repayment Plan: extends a repayment period up to 25 years, with either fixed or graduated payments.
• Consolidation: combines multiple federal student loans into a single loan, with a fixed interest rate and a single monthly payment.
• Deferment or Forbearance: temporarily suspends or reduces student loan payments.

Next steps

With the right qualifications and repayment plan, borrowers interested in PSLF may find the financial relief they need to focus on their personal growth and career development. They should take the time to become familiar with the program’s requirements and to comprehend the role that income may play now and in the future. And, of course, they can consult their loan servicer or seek expert guidance to help navigate the process. 

About Laurel Road

Website

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $7 billion in federal and private school loans.

Contact Information:

Carolina d’Arbelles-Valle

Senior Public Relations Specialist

[email protected]

(201) 633-2125

Original Source:

Laurel Road: Can a High Salary Affect Public Service Loan Forgiveness (PSLF)?

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The survey of 1,000 U.S. students provides insights into FIRE knowledge, usage, money-saving strategies, common sacrifices, and financial worries.

NEW YORK, May 18, 2023 (Newswire.com)
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Financial Independence Retire Early (FIRE) is a growing trend among young people. Stories of retirement before 30 and achieving financial independence are gaining massive success on social media. In contrast, in real life, students face serious financial difficulties due to student loans, housing costs, etc. 

EduBirdie, an all-in-one website for students, surveyed the actual student’s money-saving culture. The study involved 1,000 full-time and part-time students from the United States aged 18 to 44. Ethnicity and spoken languages were not considered factors of differentiation. The survey was conducted among two groups: students who know and practice the FIRE approach and those who do not.

“Budgeting is always on the agenda for students, as they might be affected by financial crises more than others. Financial stress can significantly impact their academic performance, personal life, and, most importantly, mental health. We at EduBirdie believe it is crucial to discuss personal finances to have generations that genuinely know financial independence.” — Avery Morgan, Chief Communications Officer at EduBirdie.

Results showed that most students surveyed know the FIRE approach and actively practice it. 71% of the surveyed students know the movement and either actively practice it or learn where to start. 14% of students who know about the approach do not like it, and 11% need to understand what FIRE is. Surprisingly, 4% of students who did not know about the movement googled it and became interested in early retirement. When broken down by age, most students who knew about the FIRE approach were between 18 and 24 years old, and 50% of them were already learning to take their first steps in the FIRE approach.

21.92% of students are ready to sacrifice their dream job, 19.18% – buying a car, and 17.81% – traveling to retire earlier. Interestingly, 30% of respondents aged 18-24 would better never have children to enjoy an early retirement.

The survey also revealed alternative and creative ways to cut costs. These include staying sober, learning to sew clothes, riding a bike instead of a car, and taking up cost-saving hobbies such as cooking, gardening, and DIY. 

Financial insecurity is becoming a growing concern. When asked what worries students most financially, 18.15% of respondents said rent, 13.90% gas prices, 13.13% mentioned health and medical problems, 12.74% were worried about student loans and 11.97% about job loss. 

The most common consequences of financial stress experienced by students were anxiety and depression (23.68%), sleep problems (19.30%), mood swings (17.54%), and fatigue (15.79%). In comparison, only 1.32% of respondents did not feel the harmful effects of financial stress. 

For more information on the study and its findings, visit EduBirdie.

Contact Information:

Olena Polotniana

Communications Manager

[email protected]

Original Source:

EduBirdie’s Survey Reveals Insights Into the FIRE Movement and Money-Saving Techniques Among Students

The post EduBirdie’s Survey Reveals Insights Into the FIRE Movement and Money-Saving Techniques Among Students first appeared on RSVTV news.