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A Master Promissory Note, or MPN, is a legal document that outlines the terms and conditions of your federal student loans. Promissory notes are used for all types of loans, like auto loans, mortgages, and personal loans, though an MPN is a special type of promissory note used exclusively for federal student loans. Why the MPN mattersIt's important for student loan borrowers to sign and understand an MPN for the following reasons:It's Not Optional: Required to receive federal student loans. In general, you'll default on most federal student loans if you have not made a payment in more than 270 days. Ryan Wangman, CEPF Loans Reporter Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans.

Persons: Mark Kantrowitz, You'll, Stacey MacPhetres, Andrew Pentis, Ryan Wangman, Read Organizations: Parent PLUS, Department of Education, Bright, Borrower's, Loan, Federal, Aid, Finance, Northwestern University, Boston Globe Locations: Chevron

☆ Bright Horizons CEO: Lack of affordable childcare is holding back the economy
▼ + stars: | 2024-03-08 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailBright Horizons CEO: Lack of affordable childcare is holding back the economyBright Horizons CEO Stephen Cramer joins 'The Exchange' to discuss the effects of childcare costs on the economy, what keeps childcare costs as high as they are, and more.

Persons: Stephen Cramer Organizations: Bright

☆ Here are Wednesday's biggest analyst calls: Apple, Nvidia, Salesforce, Dell, Microsoft, Snap, McDonald's & more
▼ + stars: | 2024-02-28 | by ( Michael Bloom | ) www.cnbc.com time to read: +7 min

Morgan Stanley reiterates Apple as overweight Morgan Stanley said it's standing by Apple amid reports the company canceled its car project. Barclays reiterates Microsoft as overweight Barclays says investments made in advertising is a "$50 billion opportunity" for Microsoft. Goldman Sachs reiterates Salesforce as buy Goldman said it sees "upside" heading into Salesforce earnings Wednesday afternoon. Barclays initiates Weatherford as overweight Barclays says the oil services company is a "reborn industry player." Barclays upgrades Ecolab as overweight from equal weight Barclays says it has "strong visibility" for the food safety company.

Persons: Smucker, Stifel, DELL, Morgan Stanley, Apple, it's, NVDA, Goldman Sachs, Goldman, FSLR, Salesforce, Raymond James, Bernstein, Stellantis, Cantor Fitzgerald, Cantor, KBW, it's bullish, Guggenheim, McDonald's, Craig, Hallum Organizations: Apple, Barclays, Microsoft, U.S, " Bank of America, Nvidia, Bank of America, Constellation Energy, JPMorgan, Apollo, JMP, Weatherford, Bright, Holdings Locations: J.M, CY2026, Europe, UK, China, India, CEG

☆ Child care benefits at work: Employers are increasingly offering resources to parents with daycare needs
▼ + stars: | 2024-02-23 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

And among those that do, less than a third selected any single benefit such as subsidized child care services (11%), child care referrals and consultations (28%); and back up child care (26%), which gives parents access to a daycare center or babysitter when their usual child care arrangements fall through on a given day. Among those, 37% offer access to backup child care, 16% subsidize child care and 10% provide onsite child care. Among respondents who said they were thinking of quitting their jobs, 41% said their compensation was not high enough to cover child care costs, and 30% said they didn’t have adequate child care. An onsite child care center like one from Bright Horizons can provide licensed and trained care providers and well-qualified early education teachers. Other options to ease working parents’ experienceFor many employers, though, an onsite child care center may be tough to swing.

Persons: ”, Jessica Chang, “ Covid, ” Chang, Mercer, It’s, We’ve, Stephen Kraemer, Kraemer, hadn’t, Carmen Perez, Perez, Seda, Chang Organizations: New, New York CNN, US Department of Labor, US Department of Health, Human Services, Century Foundation, “ Employers, Adecco Group, Bright Locations: New York, United States, California

☆ This new fund helps investors get behind companies that treat workers well and have positive social tailwinds
▼ + stars: | 2024-02-01 | by ( Alex Harring | ) www.cnbc.com time to read: +6 min

Asset manager Impax has debuted a new socially responsible investing strategy, allowing investors to support companies with a track record of employee satisfaction. "The market typically ignores culture," said Fairbanks, who worked in sustainable investing for more than a decade before joining Impax. This strategy has evolved into the Impax Global Social Leaders Fund (IGSLX) launched late last year. To rank companies, Impax found relevant data from third-party sources before diving into fundamental research. A look inside the fund There are some stocks in the fund that Fairbanks sees as particularly exemplary of the broader strategy.

Persons: Impax, Amber Fairbanks, Fairbanks, it's Organizations: Impax, Social Leaders Fund, It's, Harbor Capital Advisors, Fairbanks, Nvidia Locations: MSCI

☆ What is the Student Aid Report?
▼ + stars: | 2023-10-24 | by ( Aly J. Yale | Richard Richtmyer | ) www.businessinsider.com time to read: +14 min

The Student Aid Report summarizes the information on your Free Application for Federal Student Aid (FAFSA). See Insider's picks for the best private student loans >>What is the Student Aid Report (SAR)? The Student Aid Report is a document that, through the 2023-2024 school year, was used to summarize the data submitted on a Free Application for Federal Student Aid (FAFSA). Federal student aid eligibilityYour summary will also include your Student Aid Index — formerly called the Expected Family Contribution. Schools and aid offersThe schools you apply to don't actually receive your FAFSA Submission Summary (formerly Student Aid Report).

Persons: —, Shannon Vasconcelos, Robert Kersey, you'll, Kersey, Vasconcelos, Perkins, Pell Grant, Elaine Rubin, You'll Organizations: Federal Student Aid, Service, Bright Horizons, Grants, What's, College of Charleston, Education, Department, Department of Federal Student Aid, Internal Revenue Service, SAR Locations: FAFSA.gov

☆ A government shutdown will hurt affordable childcare policies, says Bright Horizons CEO
▼ + stars: | 2023-09-29 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailA government shutdown will hurt affordable childcare policies, says Bright Horizons CEOStephen Kramer, CEO at Bright Horizons, and CNBC's Steve Liesman join 'The Exchange' to discuss how a government shutdown will further hurt the childcare crisis, increasing childcare fees, and ending pandemic-era childcare policies.

Persons: Stephen Kramer, Steve Liesman Organizations: Bright

☆ Hedge fund run by T. Rowe Price's former star manager adds to bets in health care, industrials
▼ + stars: | 2023-08-17 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +2 min

A fast-growing hedge fund tacked toward health care and industrial stocks during the second quarter, according to securities filings released this week. Durable Capital Partners is a relatively new firm by Henry Ellenbogen, who helmed T. Rowe Price's New Horizons fund for most of the last decade. In the second quarter, the fund added to several health care and industrial stocks, according to security filings and data compiled by Verity's InsiderScore. On the industrials side, Durable increased its stakes in JB Hunt Transportation and RBC Bearings by 27.3% and 10.2%, respectively, according to Verity and securities filings. Since the second quarter ended on June 30, Durable Capital has disclosed three more groups of transactions.

Persons: Henry Ellenbogen, Rowe, Morningstar, Ellenbogen, Verity's, Verity Organizations: Partners, West Pharmaceutical Services, Molina Healthcare, Privia, JB, Transportation, RBC, Intuit, FirstService Corp, SS, C Technologies Locations: West, MSCI, Duolingo

☆ Employers are the remedy to lowering child care costs for working parents, says Bright Horizons' CEO
▼ + stars: | 2023-08-08 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailEmployers are the remedy to lowering child care costs for working parents, says Bright Horizons' CEOStephen Kramer, CEO of Bright Horizons, joins 'The Exchange' to discuss challenges of accessibility and affordability of child care, partnering with employers to offer child care as a benefit and the driving forces behind child care cost hikes.

Persons: Stephen Kramer Organizations: Employers, Bright

☆ Parents say flexible work leads to productivity, fulfillment and relief—but 1 in 3 worry about it resulting in a career hit
▼ + stars: | 2023-06-02 | by ( Jennifer Liu | In Jljenniferliu | ) www.cnbc.com time to read: +5 min

But by the time she had her second daughter 7 months ago, the world was used to remote work. In the three years since the business world was forced to embrace flexible work during Covid, parents say the ability to work remotely and hybrid has been a lifeline. More than half, 58%, of working parents say increased flexibility in their schedules is a source of "fulfillment and relief," according to a recent report from Bright Horizons, which surveyed over 2,000 working parents in the spring. Stephen Kramer, CEO of Bright Horizons, says pandemic-era empathy for working parents has subsided. All employees can benefit from a work environment that's thoughtful about the remote work experience, Kramer says.

Persons: Neha Mehrotra, Mehrotra, Covid, Stephen Kramer, Kramer, It's, they're, Gen Z Organizations: CNBC, PayPal, Bright Locations: New York, Sweden, India

☆ See the presentation a digital-health startup used to raise $30 million to bring mental-health care to college students
▼ + stars: | 2023-05-22 | by ( Yeji Jesse Lee | ) www.businessinsider.com time to read: +2 min

Uwill zeroed in on ensuring college students can access those treatments. The company announced in May that it raised a $30 million Series A round. UwillUwill, founded in 2020, is focused on providing virtual mental-health services to college students. Before Uwill, London started companies focused on education technology, including Examity, an online-testing platform, and College Coach, which Bright Horizons Family Solutions owns today. In May, Uwill announced it had raised a $30 million Series A round from the education-focused private-equity firm Education Growth Partners.

Our experts answer readers' student loan questions and write unbiased product reviews (here's how we assess student loans). The Secure Act 2.0, signed into law last year, makes it easier to prepare for retirement when you have student loans. Secure Act 2.0 allows employers to match employees' student loan payments with retirement contributions. The average monthly student loan payment is $460, according to the Education Data Initiative. Personally, I have [ insert student loan total here ] in student loans, and my monthly payments are [ insert monthly student-loan payments here ] .

☆ Morgan Stanley's favorite buys and shorts for earnings season
▼ + stars: | 2023-01-24 | by ( Sarah Min | ) www.cnbc.com time to read: +4 min

Stocks are set for big swings this earnings season , and that spells opportunity for investors to buy and short some names, according to Morgan Stanley. More important for investors this earnings season will be the 2023 guidance, the firm said. Given this, traders should expect a rise in price dispersion over the next couple weeks as corporate earnings season unwinds. Seventy companies in the S & P 500 have released results so far this earnings season, according to FactSet data. Here are three positive names, and two negative, that Morgan Stanley highlighted: Bath & Body Works will react positively to earnings, according to Morgan Stanley.

☆ Why college coaches are a hot employee benefit
▼ + stars: | 2022-12-19 | by ( Chris Taylor | ) www.reuters.com time to read: +5 min

Then she came across an employee benefit her company offered: A "college coach." It is an intriguing employee benefit, in the era of the 'Great Resignation' and 'Quiet Quitting.' says Craig Copeland, director of wealth benefits research at the Employee Benefit Research Institute. Getting help from college coaches is not to discount the critical work school counselors do every day. Since we are in the thick of application season, do not waste time in finding out if you have this employee benefit, especially if your teenager is looking ahead to college next fall.

☆ Papa John's is the latest employer to offer free college for frontline workers
▼ + stars: | 2022-09-28 | by ( Jessica Dickler | ) www.cnbc.com time to read: +3 min

In this article CTRN Follow your favorite stocks CREATE FREE ACCOUNTwatch nowIn a war for talent, employers are drastically expanding their benefit offerings to attract and retain workers. More from Personal Finance:Inflation and higher rates are a ‘dangerous mix’Companies are slashing parental leave benefitsHere are the 'most employable' college degrees "Wherever you can differentiate yourself is pretty critical," said Marvin Boakye, Papa John's chief people and diversity officer. Now, nearly half, or 48%, of employers said they offer undergraduate or graduate tuition assistance as a benefit. "We're seeing it shift a little in how they are thinking about attracting talent," according to Buban. "The majority of our leadership team were delivery drivers and moved up through the organization," Papa John's Boakye said.

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