| |  | | April 14, 2025 | | | | | | | | Confused About Your Student Loans? You're Not Alone | If you have federal student loans, you've endured a lot of uncertainty over the past five years.
It started with the pandemic payment pause — and all the guessing about when monthly bills would resume. Then starkly different policy agendas made things even more unpredictable, moving proposals for loan forgiveness and payment plans in and out of contention.
Now it's not clear how the $1.6 trillion federal student loan portfolio will be managed should the Trump administration convince Congress to close the Department of Education.
And there have been legal challenges all along the way. These make it hard for borrowers to know which policies will stick, let alone to understand and navigate their options.
Right now payment plans are the big question mark. Borrowers are venting about the latest developments on social media, and the frustration is palpable. | | |  | | | | | | WEEK AHEAD ON WALL STREET | | | | Earnings Showdown: A Macro Check | | | This earnings season carries particular significance given the dramatic and ongoing upheaval around trade policy. As it heats up this week, several influential banking and technology companies will deliver valuable insights into both corporate health and broader economic trends.
Tariffs will probably raise most businesses' input costs — but by how much remains uncertain. While analysts currently expect S&P 500 earnings per share to grow 6.2% year-over-year (a seventh consecutive quarter of growth), estimates have been revised down 0.5% over the last month.
In addition to the numbers themselves, what management teams say on shifts in pricing strategies and consumer behavior will be of great interest to investors in light of… everything. | | |  | | | | | | | | Tomorrow Is Tax Day | If you haven't yet filed your income tax return, you're living on the edge: Returns are due tomorrow.
On the Money has many helpful resources for filing, including 10 tips for doing it last-minute, a go-to for first-time filers, and this guide to tax deductions.
Or, if you need more time, you can file for an automatic extension. Just know you'll have to pay any estimated tax you owe simultaneously.
And don't forget, you can file for free — with guided software help — if you fall into one of these two categories: - The IRS's new Direct File option is open to people living in these 25 states who have certain types of income. (Check here to see if you're eligible.)
- IRS Free File is available to residents of any state, as long as you didn't earn more than $84,000 in adjusted gross income last year. Choose from one of the IRS's eight Free File partners using this comparison tool.
| | | | | | | "If he wasn't paying attention to the stock market, now we know he's paying attention to the bond market."
—Ed Yardeni, head of Yardeni Research | It was the recent surge in 10-year U.S. Treasury yields that likely motivated President Trump to impose a 90-day pause on some of his new tariffs last week, Yardeni told CNBC.
Why would Treasuries be the clincher? Because government bonds are typically a safe haven for investors when there's economic uncertainty. You'd expect them to rally during stock-market sell-offs, not decline. (Remember, yields go up when prices go down.) And higher yields can lead to higher borrowing costs for both consumers and the federal government. | | | | | |  | | Why the bond market's reaction to Trump's tariffs surprised Wall Street. (Bloomberg podcast) | | | | | | | | |  | | How a dive in the stock market hits the rest of the economy. (The Wall Street Journal via MSN) | | | |  | | For parents with college tuition bills, there may not be enough time to wait out the rollercoaster market. (The Wall Street Journal via MSN) | | | | | | | | | | | It's a Good Week to List Your House | While relatively high mortgage rates make it a tricky time to sell (and buy) a house, there are better and worse times of year to list your home. According to a Realtor.com analysis, this particular week is actually the best one all year.
Realtor.com looked at seasonal trends from 2018-2024 data (excluding 2020), and gave each week a Best Time to Sell score. The scores were based on a combination of housing metrics, including the number of buyer views and how often sellers reduced their price. Mortgage rates were not included in the score. Here's more on their calculations. | | | | | | | | Intel, insights, and inspo for your money. | | On the Money cuts through the noise of day‑to‑day financial news to bring you a more thoughtful point of view on what's important in this moment — and how it impacts your bottom line. We value your trust above all. | | | | | | | | | | Did you find today's newsletter valuable? | | | | |
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