Is it safe for international students to attend US universities? Here's a list of alternatives.

In recent decades, the United States has been a top destination for international students, offering world-class universities, diverse academic programs, and a global reputation for innovation and research. Yet in recent years, many prospective international students and their families are asking a difficult question: Is it still safe to attend US universities?

This concern isn't unfounded. Safety for international students isn't just about crime rates—it includes factors like political climate, visa policies, healthcare access, racism and xenophobia, campus support, and overall quality of life. Let’s explore these factors and how they compare to alternatives like Canada, the UK, Australia, France, Germany, Ireland, and the Netherlands.

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The United States: A Complex Landscape

Safety on Campus:
Many US universities are located in relatively safe college towns and invest heavily in campus security. However, the rise in mass shootings—including those at or near educational institutions—has sparked fear among both domestic and international students. While statistically rare, the prevalence of gun violence in the US is significantly higher than in other developed nations.

Political and Social Climate:
Under recent administrations, shifting immigration policies and fluctuating visa rules have made the US a less predictable destination. While the Biden administration has worked to stabilize student visa policies, uncertainty remains. Reports of xenophobic incidents have also raised alarms, particularly for students from Asian and Middle Eastern backgrounds.

Healthcare Concerns:
The US has no universal healthcare system. International students are often required to purchase private insurance, which can be expensive and confusing. Access to mental health services, though improving, varies widely by institution.

Post-Graduation Opportunities:
The US still offers compelling Optional Practical Training (OPT) and STEM extensions for international students looking to work post-graduation, but the pathway to long-term work or permanent residency remains complicated.

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Alternatives Worth Considering

Canada

• Pros: Politically stable, comparatively easier immigration pathways, high-quality universities (e.g., University of Toronto, McGill), and widespread public support for international students.

• Safety: Low crime rates and almost no gun violence.

• Work & Immigration: Canada has one of the most international-student-friendly post-graduation work permit programs. Many students transition to permanent residency with relative ease.

United Kingdom

• Pros: Rich academic heritage, home to globally ranked institutions (Oxford, Cambridge, Imperial), English-speaking environment.

• Safety: Urban areas face petty crime but gun violence is rare.

• Work & Immigration: Recent changes allow graduates to stay for up to 2 years post-study (3 years for PhDs), a significant improvement over prior policies.

Australia

• Pros: High academic standards, English-speaking, growing international student population, welcoming attitude.

• Safety: Generally safe, though some cities report instances of racial tension.

• Work & Immigration: Australia offers generous post-study work visas and clearer paths to permanent residency compared to the US.

Germany

• Pros: No or low tuition at many public universities, strong engineering and technical programs, growing English-taught courses.

• Safety: Very low crime, excellent public infrastructure.

• Work & Immigration: Post-study work options are available, and Germany is actively recruiting skilled graduates into its workforce.

France

• Pros: Prestigious institutions (e.g., Sorbonne, Sciences Po), growing number of English-language programs, rich culture.

• Safety: Urban areas may experience occasional unrest, but campuses are generally safe.

• Work & Immigration: Non-EU students can work part-time and stay for a period after graduation. The government has signaled increasing openness to skilled international graduates.

Ireland

• Pros: English-speaking, welcoming culture, growing reputation in tech and pharma education, strong ties to US multinationals with Irish HQs.

• Safety: One of the safest countries in Europe with low crime rates.

• Work & Immigration: Students can work part-time and stay up to two years post-graduation (Graduate Stay Back Visa). Ireland also offers a relatively smooth path to work visas and longer-term residency.

Netherlands

• Pros: Known for its high quality of life, wide selection of English-taught programs (especially at the master’s level), and a progressive, inclusive society.

• Safety: Very safe, well-regulated cities with strong infrastructure and low crime.

• Work & Immigration: Offers a one-year "Orientation Year" visa after graduation for job-seeking. The Netherlands has a growing demand for international talent, particularly in tech, business, and engineering.

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Making the Right Choice

For many students, the US remains attractive for its research opportunities, innovation hubs, and alumni networks. But safety, cost of living, mental health support, and post-graduation outcomes are now more significant factors than ever.

Choosing where to study abroad is deeply personal—and increasingly strategic. Canada, the UK, Australia, Germany, France, Ireland, and the Netherlands all offer strong alternatives that may be more welcoming and stable in today’s climate.

Prospective international students should weigh these factors carefully, consult with advisors, and consider long-term goals—educational, professional, and personal—when making their decisions.

ShareWell Offers Free Mental Health Support to University Students Nationwide

ShareWell—the first peer-to-peer mental health support platform—is now offering free, unlimited memberships to all university students across the U.S.

With 70% of college students reporting mental health challenges, ShareWell aims to fill critical gaps in care by providing live, virtual peer-led support groups on topics like anxiety, depression, academic pressure, and life transitions. Students can join as many sessions as they want—completely free—by signing up with their university email at www.sharewellnow.com.

It’s a simple way to access community support during what can be some of the most overwhelming years of life.

Mental Health and Financial Barriers Threaten College Student Success (TimelyCare)

Seven in 10 students have considered taking a break or dropping out.

FORT WORTH, Texas, March 12, 2025 /PRNewswire/ -- Mental health struggles and financial pressures are jeopardizing college students' ability to complete their education, according to a new study by TimelyCare, higher education's most trusted virtual health and well-being provider,

"Many students are slipping through the cracks due to unmet financial, academic, and emotional needs."

The survey, which gathered responses from 740 students attending two- and four-year colleges across the U.S., exposes significant barriers to student success and calls for specific action by educational institutions to address pressing concerns.

Key Findings:

Students at Risk of Stopping - More than half (53%) of current college and university students said they had considered taking a break from school, and 17% considered dropping out and not returning.

Financial Strain - Nearly one-third (31%) of respondents cited financial strain as a primary reason for considering withdrawal. Additionally, a significant portion of students reported relying on a combination of financial aid, scholarships, and part-time or full-time work to cover costs.

Success Barriers - An overwhelming 95% identified at least one obstacle impacting their success. Mental health (53%) and finances (49%) were the top challenges, followed by physical health (33%), academics (28%) and social belonging (26%).

Gaps in Support Access - While 90% of students had used at least one school-provided resource such as academic advising, tutoring, or mental health counseling, issues like lack of awareness, inconvenient office hours, and inaccessible locations kept many from getting the needed help.

Success Defined
Students identified GPA, gaining knowledge, and graduating or completing their coursework as their top measures of success in line with a 2024 survey. Interestingly, non-traditional students placed graduating and gaining knowledge above GPA.

"This study makes it crystal clear that many students are slipping through the cracks due to unmet financial, academic, and emotional needs," said Nicole Guerrero Trevino, PhD, Vice President for Student Success, TimelyCare. "Our institutions must rise to the occasion to ensure no student is left behind."

What Can Be Done?
In an open-ended question, students identified several ways institutions can better support their success, including:

Promoting Awareness of Resources: Students called for more accessible and transparent communication about resources like tutoring, counseling, and career services.
"Make a comprehensive list of all resources in one place."
"Talk about these services more openly. I didn't know they existed when I needed them."

Tailoring Support for Non-Traditional and First-Generation Students: Develop targeted programs and policies, such as childcare options and evening/online classes, to support students balancing multiple roles.
"Offer different hours for people who work full time during regular work hours."

Engaging Faculty and Staff: Train educators and advisors to proactively identify struggling students and provide personalized support.
"Make it feel more normal that all students are impacted in some way and encourage all students to look into getting the help they need. It still feels almost taboo to seek out help in most situations."

Expanding Mental Health and Financial Well-Being Resources: Increase counseling availability, destigmatize mental health challenges, and offer virtual and flexible options for access. Streamline communication about scholarships, grants, and emergency funding while providing robust financial literacy resources.
"Give access to virtual services or anonymous services"

TimelyCare virtual success coaching supplements on-campus academic preparedness, career readiness, and financial wellness support with an integrated 1:1 care and coaching model.

A complete list of questions and responses from the February 2025 survey may be found here. Click here to download a related infographic.

About TimelyCare
TimelyCare is the most trusted virtual health and well-being solution for learning communities, offering personalized, clinically proven care that fosters student success and delivers life-changing outcomes. With an unmatched range of service options on one seamless, easy-to-access platform, including mental health counseling, on-demand emotional support, medical care, psychiatric care, health coaching, success coaching, basic needs assistance, faculty and staff guidance, peer support and self-guided wellness tools, we extend the efforts of 400+ campus wellness teams, ensuring millions of students have direct, anytime access to our culturally competent and diverse care providers. Recognized as a Princeton Review Top 5 Need to Know Organization for Mental Health Awareness, TimelyCare drives measurable and meaningful improvements in depression and anxiety, empowering every student on their wellness journey while strengthening learning environments.

Our Journalism

Our journalism is different than most others who cover higher education.  Like those other outlets, we report the news, but that is not our focus. And like a few outlets, we also do time-consuming investigative work.  We recognize the outstanding contributions of dedicated journalists, but these times, the 2020s, call good people to do more--much more. 

The Higher Education Inquirer (HEI) follows the legacy of the muckrakers from the early 20th century. HEI delves into in-depth investigative reporting, uncovering scandals, institutional failures, and systemic inequalities in colleges, universities, and their related businesses. Journalists like Upton Sinclair (who exposed the meatpacking industry) and Ida Tarbell (who revealed monopolistic practices in oil) used their platforms to spotlight hidden problems. In a similar vein, HEI carries this tradition forward by focusing on the higher education industry and connects it with the world outside the ivory tower.

Muckraking journalists of the past often focused on giving a voice to the voiceless, and in today's context, HEI highlights issues such as racial, class, and gender disparities in education and the work that should follow. These topics have become more prominent in the 2020s as society grapples with the effects of systemic inequalities and how marginalized communities are underserved and underrepresented in elite institutions.

Just as muckrakers' stories led to reforms (e.g., child labor laws, anti-trust regulations), HEI aims to create change in higher education by influencing public opinion and policy. Change that can take decades to create and months to lose. By exposing unethical practices and systemic problems, such as the growing burden of student loans, the corporatization of universities, and complicity in climate change and authoritarianism, we hope to prompt action from lawmakers and educators to implement more equitable solutions.

Importance of This Type of Journalism in the 2020s:

In the 2020s, higher education is undergoing significant challenges, to include skyrocketing tuition, an increasing reliance on adjunct faculty, and concerns over the value of a college degree. Investigative journalism like ours holds universities accountable for the way they handle these issues. It serves as a check on the growing power and wealth of educational institutions, particularly in light of their increasing commercialization and influence over public policy.

The 2020s have brought heightened awareness of issues like racial inequality, mental health concerns, and the widening gap between wealthy and poor students. Investigative journalism continues to expose these problems, helping to drive conversations about fairness and equity in education. In an era when many people feel disconnected from powerful institutions, journalism that uncovers uncomfortable truths is essential for mobilizing change.

Higher education has been seen by many as a beacon of knowledge, innovation, and fairness, yet there are growing concerns about its accessibility and integrity. Investigative journalism done well helps maintain public trust in higher education by ensuring that universities live up to their purported values. HEI helps the public see when universities exploit students, misuse funds, or engage in unethical practices.

In the 2020s, many key policy issues—such as student debt, the cost of education, and educational access—are hot topics. Journalism that scrutinizes higher education can influence policy reform, potentially leading to legislative action aimed at reducing student debt, increasing transparency in university finances, and addressing fair hiring practices.

War and Peace:

War is often driven by political, economic, and technological forces, and universities are deeply intertwined with these drivers. Many top universities have longstanding partnerships with military contractors, defense organizations, and intelligence agencies. Research funded by these institutions may directly contribute to the development of weapons or military technologies, some of which are used in conflicts around the world. 

The Higher Education Inquirer investigates how these partnerships influence the direction of research, as well as the ethical implications of universities prioritizing military contracts over other forms of academic inquiry. Similarly, university programs train future leaders who will shape foreign policy or lead military operations, and HEI will hold them accountable for the potential consequences of those actions. 

On the other hand, universities can be spaces where peace studies, conflict resolution programs, and global diplomacy are taught—an important counterbalance that HEI highlights, showing how academia can be a force for peace amidst the militarization of knowledge.

Genocide:

Genocides are often preceded by a climate of division and dehumanization, and universities are often the breeding grounds for ideologies that either challenge or perpetuate these dynamics. Throughout history, some academic institutions have provided intellectual support to regimes that perpetrate genocide, whether through the training of military officers or the dissemination of harmful nationalist ideologies. 

Conversely, universities can also serve as platforms for the resistance against genocide, with professors and students leading efforts to expose atrocities, advocate for human rights, and prevent violence.  

The Higher Education Inquirer investigates how universities have both been complicit in, and resisted, the ideologies that fuel genocide. HEI explores the ways in which certain university-funded research or prominent academic figures have either contributed to genocidal narratives or become strong advocates for justice and reconciliation in the aftermath of such horrors.

Global Climate Change:

Climate change represents a massive, existential crisis that touches every part of society, and universities are both contributors to and leaders in tackling this challenge. 

HEI investigates how universities have been complicit in exacerbating the climate crisis—whether through fossil fuel investments, ties to unsustainable industries, or research that furthers environmentally harmful practices. At the same time, universities are also at the cutting edge of climate science, sustainable technologies, and environmental activism.  

The Higher Education Inquirer investigates whether universities are doing enough to address their own carbon footprints, promote sustainable practices on campus, and foster a generation of leaders who are committed to climate justice. In a world where universities are increasingly seen as both perpetrators of environmental degradation and potential agents of change, HEI’s investigative reporting is crucial in holding these institutions accountable.

Mass Incarceration:

The United States has one of the highest incarceration rates in the world, and universities are deeply involved in the systems that perpetuate this crisis. Many universities participate in research that supports law enforcement, surveillance technologies, or criminal justice policies, which can fuel the growth of the prison-industrial complex.  

The Higher Education Inquirer examines how higher education sustains and challenges mass incarceration. For instance, some universities benefit from partnerships with prisons, offering education programs to incarcerated individuals, but also facing criticism for their indirect role in perpetuating a system that disproportionately targets people of color.  

HEI investigates whether universities are actively working to dismantle mass incarceration through programs that promote restorative justice, education in prisons, or advocacy for systemic reform, or whether they are complicit in perpetuating the status quo through research and policy influence that supports harsh criminal justice policies.

Uniting These Issues:

The Higher Education Inquirer brings these issues together by demonstrating how universities are not isolated entities but integral parts of a global system that influences war, human rights, the environment, and justice. 

For example, universities that are heavily funded by military contracts should be implicated in fueling global conflict and war, while also contributing to climate change through the development of harmful technologies. At the same time, these same universities often fail to adequately address the ways in which their research, policies, and curricula shape or reinforce systemic racism and mass incarceration.

By following the muckraker tradition of exposing corruption and exploitation, HEI investigates how the pursuit of profit, power, and prestige within academia intersects with larger global crises. 

Investigative journalism that connects the dots between higher education, war, genocide, climate change, and mass incarceration is crucial to fully understanding these issues and holding institutions accountable for their roles in perpetuating or mitigating them. 

In the 2020s, when universities hold immense cultural, political, and economic power, the Higher Education Inquirer continues the legacy of the muckrakers by pushing for a more ethical, transparent, and socially responsible approach to higher education—one that reveals the problems of the world and to its solutions.

 

If you report on US colleges and universities, get to know these 19 higher education databases

by Denise-Marie Ordway, The Journalist's Resource

No matter what issue you’re covering on the higher education beat, your story will be stronger if you ground it in high-quality data. Fortunately for journalists, government agencies and academic researchers have gathered data on an array of topics and made it available online for free. You just need to know where to find it.

That’s why we created this tip sheet. It spotlights 19 higher education databases we think you ought to know about. This list is not meant to be exhaustive. We included databases that will help journalists report on some of the most common and pressing higher education issues.

Note that most of these databases are the projects of federal agencies such as the U.S. Department of Education, U.S. Department of Veterans Affairs and National Science Foundation. We’ll update this list periodically. Please bookmark it and share it with colleagues because it’s sure to come in handy.

1. College Navigator

This searchable database, created by the National Center for Education Statistics, provides basic information on nearly 7,000 U.S. colleges and universities. Use it to look up information about an institution’s admission rate, tuition, undergraduate enrollment, academic programs, athletic programs and other characteristics. You can also compare institutions.

The National Center for Education Statistics, commonly referred to as NCES, is part of the Institute of Education Sciences at the U.S. Department of Education.

2. DataLab

Journalists can use this online platform, another NCES project, to find detailed information on various topics across K-12 education and higher education. Sift through decades of data that the NCES has collected on college costs, student demographics, student debt, faculty demographics, faculty salaries, student graduation and dropout rates, and other subjects.

DataLab’s Tables Library contains more than 8,000 data tables published by the NCES. Journalists who are comfortable working with data can use the platform’s PowerStats tool to create data visualizations and run linear and logistic regressions.

3. Data.gov

You’ll find thousands of government data sets and data-heavy reports here -- the federal government’s open data site. You can search for education data by location and government agency as well as by topic category and dataset format.

4. Campus Security Data Analysis Cutting Tool

Use this higher education database, maintained by the U.S. Department of Education’s Office of Postsecondary Education, to find information on crime at U.S. colleges and universities that receive federal funding. You can look at three years of statistics for a single school or generate reports to examine trends across schools.

Crimes that institutions report annually to the federal government include murder, aggravated assault, rape, hate crimes, domestic violence, motor vehicle theft and violations of state or local liquor laws. Schools also must report arrests as well as any disciplinary action taken against students accused of certain crimes.

5. Official Cohort Default Rate Search

For student loan default rates, check out this higher education database, which is maintained by Federal Student Aid, an office of the U.S. Department of Education. You can search default rates by state, city, institution, institution type and degree program.

6. U.S. Office for Civil Rights pending cases database

This is a national database of K-12 schools, colleges and universities that are being investigated by the federal Office for Civil Rights, a division of the U.S. Department of Education that investigates discrimination complaints. Here you can find information on investigations of alleged Title IX and Title VI violations. Title IX is a federal law that prohibits sex-based discrimination at K-12 schools, colleges and universities that receive federal financial assistance. Title VI prohibits discrimination on the basis of race, color and national origin.

7. Healthy Minds Study

This research database houses data collected as part of the Healthy Minds Study, an annual survey that asks college students about their mental health and their school environment, including campus safety, peer support and mental health services. More than 850,000 people at more than 600 colleges and universities have completed the survey since its launch in 2007.

The principal investigators of the Healthy Minds Study are researchers at the University of California-Los Angeles, University of Michigan, Wayne State University and Boston University.

8. CIRCLE

Tufts University’s Center for Information & Research on Civic Learning and Engagement -- commonly known as CIRCLE -- has created several online data tools journalists can use to obtain data for stories about young voters and civic engagement on college campuses. For example, its Youth Voting and Civic Engagement in America data tool allows journalists to examine the voting habits of young adults by state, county or congressional district.

9. Retraction Watch

If you’re looking into allegations of research fraud or misconduct, Retraction Watch can help. It maintains a database of retracted scientific papers that reporters can use to search for retractions connected to a specific researcher, university or research organization. There’s also a user guide. Retraction Watch’s parent organization is the nonprofit Center for Scientific Integrity.

10. Nonprofit Explorer

Use this database, created by ProPublica, to look up tax returns and Form 990 filings for almost 2 million tax-exempt organizations, including non-profit colleges and universities. Form 990 filings contain information on an organization’s annual revenue, sources of revenue, expenses, and the names and salaries of its top executives.

11. Community College Research Center

The Community College Research Center’s website offers a variety of interactive platforms that allow journalists to explore data on U.S. community colleges and their students. For example, one focuses on community college finances during the pandemic. Another focuses on dual enrollment programs, which allow high school students to enroll at local colleges to earn college credits. The Community College Research Center is located at Columbia University.

12. Minority-Serving Institutions Data Project

This project provides data on minority-serving institutions, or MSIs. Some of these colleges and universities were founded specifically to serve racial minorities -- for example, historically Black colleges and universities only served Black students for decades. Many MSIs are historically white institutions where enrollment has grown more racially and ethnically diverse over time.

13. Association of American Medical Colleges

The “Data & Reports” section of the Association of American Medical Colleges’ website offers a variety of reports and datasets on medical school funding, applicants, students, faculty and tuition. It also provides information on topics such as research lab productivity and medical students’ experiences with sexual harassment.

14. American Bar Association

The American Bar Association provides reports and spreadsheets featuring data on U.S. law schools, law school enrollment and law students’ bar passage rates in the “Section of Legal Education and Admissions to the Bar” of its website. It also provides reports on trends related to tuition, student and faculty demographics and student-faculty ratios.

15. College Board

Go to the College Board’s website for data and reports on the SAT college-entrance exam as well as the Advanced Placement program, which provides college-level curricula and exams for use at high schools worldwide. The College Board, a nonprofit organization that administers both, collects and makes public a variety of data on AP exam scores, SAT scores, students who take the AP exam, students who take the SAT and how both programs have grown over time.

16. GI Bill Comparison Tool

Journalists can use this U.S. Department of Veterans Affairs database to compare the GI Bill benefits offered at individual trade schools, higher education institutions and employers across the U.S. The GI Bill helps U.S. military veterans and their family members pay for college or for personal expenses while training for a job.

17. Higher Education Research and Development Survey

Each year, the National Center for Science and Engineering Statistics conducts a census of colleges and universities that spend at least $150,000 on research and development. The center, part of the National Science Foundation, publishes data tables and reports on the results of its Higher Education Research and Development Survey. Journalists can use them to find information on how much money institutions have spent doing research in different fields, their sources of research funding and how much schools spent on researcher salaries versus equipment, software and other expenses.

18. EdWorkingPapers

EdWorkingPapers is a searchable database of academic working papers on a variety of K-12 education and higher education topics. Anyone can read these papers for free thanks to this joint project of Brown University’s Annenberg Institute for School Reform and Stanford University’s Systems Change Advancing Learning and Equity initiative.

19. Education Resources Information Center

Commonly referred to as ERIC, the Education Resources Information Center is a searchable database of education research and information found in academic journals, books and government reports. While it’s free to use ERIC, which is sponsored by the Institute of Education Sciences at the U.S. Department of Education, journalists might need subscriptions to access many journal articles and book chapters.

This article first appeared on The Journalist's Resource and is republished here under a Creative Commons license.

Higher Education Inquirer: Increasingly Relevant

The Higher Education Inquirer continues to grow.  Last month the number of views rose to more than 45,000.  And our total number of views has increased to more than 440,000. While we had added advertisements, we have not received any SEO help, and we do not pay Google for ads. 

We believe our growth stems largely from our increasing relevance and in our truth telling, which other higher education news outlets are unwilling to do in these times.

Our devotion to transparency, accountability, and value for our readers guides us. 

We invite a diverse group of guest authors who are willing to share their truths. The list includes academics from various disciplines, advocates, activists, journalists, consultants, and whistleblowers. We back up all of this work with data and critical analysis, irrespective of politics and social conventions. We are willing to challenge the higher education establishment, including trustees, donors, and university presidents.

Our articles covering student loan debt, academic labor, nonviolent methods of protest, and freedom of speech are unparalleled. And we are unafraid about including other issues that matter to our readers, including stories and videos about mental health, student safety, technology (such as artificial intelligence), academic cheating, and the nature of work.  And matters of war, peace, democracy, and climate change. 

Our focus, though mainly on US higher education, also has an international appeal. 

Some of our work takes years to produce, through careful documentation of primary and secondary sources, database analysis, and Freedom of Information Act (FOIA) requests. We share all of this information for everyone to see at no cost.  

Of course, we could not operate without all your voices. We welcome all your voices. Something few other sources are willing to do.    

New Findings Highlight Borrowers' Student Loan Repayment Challenges and Impact on Key Milestones (Laurel Road)

[Editor's note: The Higher Education Inquirer is presenting this press release for information only. This is not an endorsement of the organizations mentioned in article.]

NEW YORK, Jan. 27, 2025 /PRNewswire/ -- A new survey, The Student Debt Dilemma: The Impact on Financial Milestones, released today by Laurel Road, a digital banking platform of KeyBank with specialized offerings for healthcare and business professionals, in partnership with Luminary, a global professional education and networking platform, and conducted by Kantar, reveals the obstacles borrowers face in managing student loan repayment – from information overload to confidence gaps.

The survey of 1,714 U.S. adults found that 70% felt overwhelmed when navigating repayment options, with 76% of respondents experiencing an overload of information, underscoring the significant anxiety and confusion faced by borrowers. These findings underscore the impact of debt on milestone life events as well as the difficulty of navigating an intricate repayment system.

Challenges amid Regulatory Changes
Recent changes and fluctuating regulations in the federal student loan system have created ongoing uncertainty for borrowers navigating their repayment options. According to the survey, 82% of respondents aged 25 to 44 reported feeling "unsure what plans/options are right for me," demonstrating the ever-changing environment as a primary pain point.

Additionally, 58% of individuals in the combined 25-44 age group reported feeling moderately overwhelmed – a significantly higher percentage compared to the 45 and older age group (34.8%)– emphasizing the unique challenges younger borrowers face in making informed decisions.

Low Levels of Confidence in Repayment Strategies
Navigating student loan repayment is a complicated process, requiring borrowers to understand available options, conduct thorough research to identify loan management opportunities, and select the most appropriate repayment plan or forgiveness program.

According to the survey, 26% of respondents noted that they did not have a plan for managing their student loans, while 20% indicated they planned to use Federal Income-Driven Repayment, and 15% intended to pursue the Public Service Loan Forgiveness (PSLF) program.

Confidence is another major concern, as 61% of borrowers surveyed reported a lack of confidence in their repayment strategies while only 13% reported feeling confident in their approach.

"This study confirms everything we believed to be true relating to confusion and lack of confidence student loan borrowers face today. Information overload and ambiguity has left borrowers yearning to understand the repayment and forgiveness options available to them, and to receive this information in a clear, concise manner," said Alyssa Schaefer, General Manager and Chief Experience Officer at Laurel Road. "Laurel Road is at the forefront of helping borrowers gain their confidence by offering free consultations with student loan experts who can help them make informed decisions, navigate the complexities of repayment, and build the confidence needed to reach their financial goals – ultimately securing their financial futures."

Impact of Student Loans on Financial Futures
In addition to being difficult to navigate, the student loan landscape has the potential to largely affect borrowers' overall financial well-being and long-term goals. The survey revealed that student loan debt has delayed significant life milestones for respondents, with borrowers reporting the following impacts:

• 79% struggle to save for emergencies or retirement
• 75% are unable to invest for the future
• 52% are unable to purchase a home
• 35% are postponing starting a family

"Luminary has seen first-hand the impact of student loan debt on our Members, from a lack of understanding about available options to the affect it has on an individual's mental health due to stress, worry and anxiety, " said Luminary founder and CEO Cate Luzio. "While this isn't new information for us, given our longstanding partnership with Laurel Road, we felt this survey was necessary to demonstrate the real toll it's taking on people. As we prepare for a new administration in 2025, this is top of mind as we continue developing programming to educate and inform those affected."

Delays in life milestones not only affect individual wellbeing but also pose broader risks to economic stability and financial security. Through online resources and student loan consultations, borrowers can gain confidence in understanding and tackling student loan repayment and get on track for important financial milestones.

For additional results from this survey, visit http://laurelroad.com/resources/financial-survey-student-debt-dilemma/ 

Methodology
This survey was conducted online from September 30, 2024, to October 31, 2024 among 1,714 U.S. adults with either private or federal student loans, by Luminary and the Kantar Profiles Respondent Hub. The primary age group analyzed ranged from 25–44 years old, though responses were collected from ages 18–65+. The gender breakdown of the respondents was 47% male, 51% female, 2% non-binary, and 0.4% preferring not to answer. Statistical significance testing was completed between groups to ensure the results did not occur by chance. 

About Laurel Road
Laurel Road is a digital banking platform and brand of KeyBank that provides tailored offerings to support the financial wellbeing of healthcare and business professionals. Laurel Road's banking and lending solutions – including Checking and High Yield Savings accounts, Student Loan Forgiveness Counseling, Student Loan Refinancing, Mortgages, Personal Loans, and more – provide our members with a simplified, personalized experience that helps them better navigate their financial journey with ease.

Laurel Road has reimagined banking and financial management for physicians and dentists through Laurel Road for Doctors, a tailored digital experience made up of banking, insights, and exclusive benefits to provide the financial help and peace of mind they need through each career stage. In spring of 2022, Laurel Road also launched Loyalty Checking, the first checking account designed with nurses in mind, furthering the company's commitment to healthcare professionals. Visit www.laurelroad.com for more information.

About Luminary
Luminary is a global membership-based professional education and networking platform created to address and impact the systemic challenges faced by women and underrepresented communities across all industries and sectors, and through all phases of their professional journey. Founded in 2018 by former finance executive Cate Luzio, Luminary is a dynamic, gender-inclusive, multi-generational, and intersectional community focused on creating connection, collaboration, and change through global expert- and Member-led programming, as well as services, activations, content, and culture. In addition, Members have access to perks and amenities including a vast digital content library; a five-floor building in the heart of NoMad in New York City that is home to work and social spaces, including a rooftop restaurant; and entree to Luminary's international Partner Network of women-forward communities. Luminary continues to build its ecosystem of high-touch engagement for both individual and enterprise members and has grown to be a multimillion-dollar global B2C and B2B business with more than 15,000 members and over 100 enterprise members. In late 2023, the company acquired The Cru to add to its robust product offering, and in January 2025 announced its acquisition of Hey Mama.

Media Contact: laurelroadpr@kwtglobal.com

Frances Perkins, Secretary if Labor (Friday's Labor Folklore)

View and share as a webpage. Friday's Labor Folklore

Thank you Frances Perkins! First Woman Cabinet Secretary Longest-serving Secretary of Labor Key Architect of the New Deal

"I came to Washington to work for God, FDR and the millions of forgotten, plain common working men."

Born in Boston, Mass. (1880) and graduated high school in Worcester. Earned a bachelor's degree in chemistry and physics from Mount Holyoke College where she became involved in progressive politics and the suffrage movement. Held a variety of teaching positions and volunteered at settlement houses, including Hull House in Chicago, where she worked with Jane Addams. She moved to Philadelphia where she worked as a social worker and enrolled in the Wharton School where she studied economics. Moved to Greenwich Village, where she attended Columbia University, earning a master's degree in 1910. She became active in the suffrage movement, speaking on street corners and attending protests.

Achieved statewide prominence as head of the New York office of the National Consumers League where she lobbied for better working hours and conditions. As a professor of sociology she taught classes at Adelphi College. She witnessed the Triangle Shirtwaist Factory Fire, a pivotal event in her life. As the appointed head of the Committee on Safety of the City of New York she promoted fire safety; in 1912 she was instrumental in getting the New York legislature to pass a "54-hour bill" capping the number of hours women and children could work.

She married Paul Caldwell Wilson, an economist and was insistent on keeping her birth name. Gave birth to a daughter, Susanna, in 1916. Throughout the remainder of her marriage her husband would be institutionalized frequently for mental illness. She supported herself and raised their young daughter alone. In 1929 New York governor Franklin Roosevelt appointed her as the state's Industrial Commissioner where she championed the minimum wage, unemployment insurance, workplace health and safety and an end to child labor. In 1933 President Franklin Roosevelt appointed her the Secretary of Labor becoming the first woman to hold a cabinet position in the United States. She helped shape the New Deal, working to design and implement the Social Security Act of 1935.

She helped millions of people get back to work during the Great Depression and she fought for the rights of workers to organize and bargain collectively. Was the longest-serving Secretary of Labor (12 years) whose successful programs were supported consistently by President Roosevelt. Following her career in government service she remained active as a teacher and lecturer until her death in 1965, at age 85. In 1980 President Jimmy Carter named the headquarters of the U.S. Department of Labor as "The Frances Perkins Department of Labor Building." On Dec. 16, 2024 President Joe Biden designated the Frances Perkins Homestead National Historic Landmark in Newcastle, Maine. President Biden's designation was issued as he directed in Executive Order 14121, Recognizing and Honoring Women's History (March 27, 2024).

In 1933, Roosevelt summoned Perkins to ask her to join his cabinet. Perkins presented Roosevelt with a long list of labor programs for which she would fight, from Social Security to minimum wage. "Nothing like this has ever been done in the United States before," she told Roosevelt. "You know that, don’t you?" (Wikipedia)

from the play I Am Not Content an Hour with Frances Perkins by Stephen LaRocque ------------------------ A staged reading by Kathie Mack (video : 1.51 min.)

Thank You Frances Perkins (song : 2.21 min.) by Austin Moffa

Friday's Labor Folklore Saul Schniderman, Editor forward to a friend

Sources from which I summarized, paraphrased or quoted directly: Wikipedia, "President Biden designates Frances Perkins homestead as new national monument," press release, 12/16/2022; Executive Order 14121, Section 3a report, Dec. 2024; Hall of Secretaries, U. S. Dept. of Labor.

National Survey Finds Strong Faculty Support for Free Speech, Diverse Viewpoints, and Civil Discourse in the Classroom Amid an Alarming Decline in Academic Freedom (AAC&U)

Washington, DC—The American Association of Colleges and Universities (AAC&U) today released the results of a national survey of faculty perceptions and experiences related to academic freedom and civil discourse in higher education. Funded by the Arthur Vining Davis Foundations and conducted in partnership with the American Association of University Professors and NORC at the University of Chicago, the survey was administered online and included faculty of all ranks and disciplines at public and private, two-year and four-year institutions throughout the United States.

The survey found clear evidence that faculty value diverse student perspectives, encourage civil discourse among students, and support free speech in the classroom. Moreover, faculty see educational value in classroom discussions of controversial topics or issues and do not support censoring course materials. Overall, however, the survey results point to a recent and ongoing decline in academic freedom across American higher education—a decline perceived by more than a third of all faculty members across a wide variety of indicators.

Faculty today are concerned about growing restrictions on their academic freedom and worry that expressing their views freely may lead to online harassment or professional repercussions. In the current climate, faculty are less willing to address controversial topics and more likely to self-censor. The survey also found evidence of a chilling effect produced by the spread of legislative restrictions, enacted since 2021, on the teaching, learning, and discussion of so-called “divisive concepts” related to race, gender, LGBTQ+ identities, and American history.

“Without the academic freedom to explore significant and controversial questions, higher education’s mission of advancing knowledge and educating students for work, life, and citizenship cannot be fulfilled,” said AAC&U President Lynn Pasquerella. “The results of this national survey provide the most compelling evidence yet of the significant and alarming erosion of academic freedom across American higher education. The findings should serve as a wake-up call for campus leaders, policymakers, and anyone who understands the vital role higher education plays in improving the lives of individuals and communities, driving innovation and economic growth, and sustaining our democracy.”

Selected Findings

• More than 1 in 3 faculty say they have less academic freedom today when it comes to teaching content without any interference (35%), speaking freely as citizens (36%), and speaking freely when participating in institutional governance (38%).
• More than half (53%) are concerned about their ability to express what they believe as scholars to be correct statements about the world and worry that their beliefs or activities as faculty members may make them targets of online harassment.
• Significant percentages of faculty have faced restrictions on what they can say in faculty and department meetings (36%) or on social media (33%) and what they teach in their courses (24%).
• 52% of faculty have altered the language in something they have written in order to avoid controversy; most refrain from using terms or words they believe might be perceived as offensive by their students (62%), by administrators (57%), by other faculty members (57%), or by institutional staff (54%).
• 53% believe classroom discussion of controversial topics or issues should be encouraged and should occur frequently because of its educational value.
• 93% believe faculty should intentionally invite student perspectives from all sides of an issue.
• 57% encourage mutually respectful disagreement among the students in their courses either “quite a bit” or “a great deal,” and 70% believe that the amount of mutually respectful disagreement among their students is “about right.”
• Just 12% believe classroom discussions should be halted if views are expressed that some students feel causes harm to certain groups of people, and just 5% believe a required reading or other assignment should be dropped if it includes such views.

“Our hope is that this study inspires, in equal measure, both reflection and action across higher education,” said the report’s coauthor, Ashley Finley, Vice President for Research and Senior Advisor to the President at AAC&U. “Though colleges and universities may lack influence over legislative actions, there is much collective power in their ability to address faculty mental health, encourage respectful discourse within and beyond the classroom, and invite thoughtful debate about the meaning and applications of academic freedom within institutions.”

A full report on the findings is available for download at www.aacu.org/academicfreedom.

The survey was conducted online between December 7, 2023, and February 12, 2024, by NORC at the University of Chicago. The survey sample included 164,815 individuals who, during the preceding twelve-month period, had instructional duties and/or served in a faculty role at a two- or four-year public or private college or university in the United States.

The survey instrument was developed under the guidance of a national advisory group: Samuel Abrams, Sarah Lawrence College; Cory Clark, University of Pennsylvania; Jonathan Friedman, PEN America; Isaac Kamola, Trinity College; April Kelly, Elizabethtown College; Frederick Lawrence, Phi Beta Kappa; Kenann McKenzie-DeFranza, Gordon College; Demetri Morgan, Loyola University Chicago; and Andrew Seligsohn, Public Agenda.

About AAC&U

The American Association of Colleges and Universities (AAC&U) is a global membership organization dedicated to advancing the democratic purposes of higher education by promoting equity, innovation, and excellence in liberal education. Through our programs and events, publications and research, public advocacy, and campus-based projects, AAC&U serves as a catalyst and facilitator for innovations that improve educational quality and equity and that support the success of all students. In addition to accredited public and private, two-year and four-year colleges and universities, and state higher education systems and agencies throughout the United States, our membership includes degree-granting higher education institutions around the world as well as other organizations and individuals. To learn more, visit www.aacu.org.

College Students Guide to Mental Health (ABC News)

According to the Substance Abuse and Mental Health Services Administration, nearly one in three young adults 18 to 25 have experienced a mental illness. Psychologist Mia Nosanow joins “GMA” for more.

Get Wise, Guys: The Perils of the Sports Betting Culture

The NCAA Calls it a Nightmare 

It's easy to get caught up in the excitement of betting on college sports, the potential for quick money, and the social aspect of it all. But let's peel back the curtain and examine the real dangers that lurk beneath the surface of the sports betting culture.  

The Illusion of Easy Money
While it may seem like a simple way to make extra cash, the reality is much more complex. The odds are stacked against you, and the house always has an edge. Chasing losses can lead to a dangerous cycle of debt and despair.

The Mental Toll
The emotional rollercoaster of sports betting can take a significant toll on your mental health. The highs of winning can be fleeting, while the lows of losing can be devastating. The constant stress, anxiety, and disappointment can lead to serious mental health issues.

The Social Impact
Gambling addiction can strain relationships with friends and family. It can lead to isolation, secrecy, and a breakdown of trust. Your academic performance may suffer as you prioritize betting over your studies.

Get Wise, Stay Wise
While it's tempting to indulge in the thrill of sports betting, it's important to approach it with a level head. If you are underage, don't do it.  If you are over 25 and don't have an addiction, stick to a few small bets and a small budget, and know when to walk away. Don't drink or do drugs before, during, or after wagering. If you find yourself struggling with a gambling addiction, seek help immediately.  And if someone notices problems before you do, consider them an ally, and listen. 

Remember, the true joy of sports lies in the game itself, not in the financial outcome.

The National Problem Gambling Helpline (1-800-GAMBLER) is operated by the National Council on Problem Gambling. The helpline serves as a one-stop hub connecting people looking for assistance with a gambling problem to local resources. This network includes 28 contact centers which cover all 50 states and the U.S. territories. The National Problem Gambling Helpline offers call, text and chat services 24/7/365.