President Donald Trump's Education Department announced a 1% interest-rate reduction for student-loan borrowers who enroll in autopay. Kent NISHIMURA / AFP via Getty Images The Education Department announced a one percentage point interest-rate reduction for borrowers who enroll in autopay. Borrowers who are already enrolled in autopay do not need to take any action. It comes just weeks before Trump's sweeping student-loan changes take effect. Want a lower interest rate on your student loans? Enroll in autopay. On Thursday, the Department of Education announced that federal borrowers who enroll in autopay by September 30, or who are already enrolled, will receive a one percentage point interest-rate reduction through June 30, 2028. The reduction provides moderate savings: A graduate program borrower with $50,000 in student debt and a 7.94% interest rate could save nearly $23 per month over the two-year period. Autopay is a feature available to all federal borrowers that allows the servicer to automatically deduct their monthly student-loan payment from their bank account. Borrowers currently enrolled in autopay receive a quarter percentage point interest-rate reduction. "This interest rate reduction will help borrowers as they consider new, affordable repayment plans and work to repay their loans on time," Undersecretary of Education Nicholas Kent said in a statement. "We expect this temporary incentive to drive up repayment rates and significantly improve the overall health of the federal student loan portfolio." According to the department's press release, borrowers who are already enrolled in autopay do not need to take any action — their servicers will reduce their interest rate by an additional three-quarters of a percentage point. Borrowers in default are not eligible for the benefit until they return to good standing. Interest rates on federal student loans range from 6% to nearly 9%. High interest rates have been a primary reason for surging student-loan balances; if a borrower does not maintain consistent monthly payments, their balances will grow due to interest, sometimes exceeding the amount they originally borrowed. This announcement comes just weeks before President Donald Trump's sweeping student-loan repayment overhaul will take effect on July 1. The changes include new borrowing caps and new repayment plans, including the Repayment Assistance Plan, which waives unpaid monthly interest. Borrowers are expected to still see their monthly payments increase on that plan, some by hundreds of dollars. Have a story to share about your student loans? Contact this reporter at asheffey@businessinsider.com. Read the original article on Business Insider

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OpenAI health researcher Karan Singhal. OpenAI OpenAI says more than 230 million people use ChatGPT for health and wellness advice each week. Researcher Karan Singhal leads the effort to grow that number by improving the company's technology. Singhal spoke with Business Insider about his work in providing medical context in ChatGPT. OpenAI is pushing further into its health research as more people turn to ChatGPT for pressing medical questions. More than 230 million people use the tool for health and wellness advice each week, according to OpenAI. That growth is partially thanks to researcher Karan Singhal, who spoke exclusively with Business Insider about the company's lofty healthcare ambitions. Singhal leads a high-stakes goal: make ChatGPT so good on health that it changes people's lives for the better, avoids calamity, and sways the skeptics. He wants to aid a shift he already sees underway, in which more patients trust OpenAI's latest model as a "protector in their care journey." OpenAI's GPT-5 model family is the company's first to be trained specifically at every stage of development to be better at health advice, he said. "You definitely want the models to be ahead of everything else," Singhal said. At OpenAI, healthcare has grown into a top priority Before joining OpenAI, Singhal made his name as a researcher at Google, helping develop a series of AI models known as Med-PaLM, specifically designed for medical questions. Since then, Google has cut investment in Med-PaLM, Singhal said, because AI developers favor general-purpose models. In the middle of 2024, when Singhal joined OpenAI, GPT-4o was the company's flagship model. It would later come under fire in lawsuits alleging that it had encouraged suicidal ideation and given harmful advice. Those lawsuits are still unfolding — OpenAI has denied liability and wrongdoing. In the meantime, the company hasn't shied away from health-related use. In fact, it has dug in further. Singhal said that when he joined, he felt a "responsibility" to improve the quality of the models' health answers. He quickly set about building a new team of health researchers, and kicked off partnerships with more than 200 physicians — a bet, as he put it, on "aggregating the wisdom of the crowd." About a year later, he helped launch HealthBench, a series of evaluations that the company created with the physician group to measure AI systems' health capabilities. "Once you know how to evaluate it, it becomes a lot easier to improve it," Singhal said. OpenAI's latest free model, GPT-5.5 Instant, scored better than both physician-written answers and GPT-4o in tests, the company said Thursday. Comparing billions of anonymized messages about health, they also said they found a 71% drop over the last two months in responses that were flagged for inaccuracy. There's pressure to keep those improvements going for both patients and clinicians who use the tools. Singhal said he's seen doctors rapidly adopt ChatGPT for Clinicians and other AI tools, and he doesn't feel that hospitals and clinics are resistant to AI. "If you think about the adoption of technology in healthcare broadly, it's actually incredibly, insanely fast," Singhal said. Singhal wants ChatGPT to get to know you better Google Search has, for years, been the dominant peddler of healthcare information online, connecting users to websites like WebMD. Singhal sees chatbots as an upgrade, where back-and-forth conversations give people more specific advice. One of the biggest challenges to getting valuable health information from a chatbot is how little it knows about the patient. A doctor might have your medical records in their hand or know you from a yearslong relationship. OpenAI is trying to simulate both. For one, in January, the company announced a health-focused product within ChatGPT that connects to health apps and lets users upload medical records. Singhal gave the example of uploading his sleep data from his Apple Watch. He let the app analyze it, and learned that he was missing out on deep sleep because his bedroom was too warm. ChatGPT Health still has a waitlist more than five months after its launch. Singhal's team sees the effort to make an AI model seek additional information as a top priority: a chatbot should ask questions like a doctor would, so it can say the right thing. The team also wants to make the case that AI can bring value to everyone in health, not just "power users." "People's adoption will only move at the speed of people's readiness in practice, and so you have to guide people towards that, especially as the technology improves," Singhal said. Have a tip? Contact this reporter via email at scouncil@businessinsider.com, or over text, Signal, Telegram, or WhatsApp at 415-757-8198. Use a personal email address, a nonwork WiFi network, and a nonwork device; here's our guide to sharing information securely. Read the original article on Business Insider

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A view of the New York Knicks parade from 1 Liberty Plaza. Steven Tweedie Some lucky New York office workers scored a prime view of the New York Knicks parade on Thursday. Photos show office workers hanging out of windows to watch the Knicks celebrate their 2026 NBA Championship. The massive crowds snarled early morning commutes for New Yorkers working in the financial district. New York office workers faced a dilemma on Thursday: Go to work or the historic Knicks parade. Why not both? While crowds swarmed into lower Manhattan for a chance to watch the New York Knicks NBA Championship parade, some workers were able to enjoy the action from the comfort of their office. The parade's route made working out of a building overlooking Broadway in the financial district the hottest office perk on Thursday. Workers at the Business Insider office look out the window at the parade route. Paul Squire/Business Insider And while some New York office building windows don't open, many on older buildings do — offering a chance to toss confetti or hear the full volume of the crowd's chants. Employees quickly took advantage of the coveted elevated viewing angle, with some hanging out of their building's windows. The Business Insider newsroom watches the New York Knicks parade. Steven Tweedie Business Insider was able to join in the excitement. Our reporters and editors stood on furniture along the windows in our New York newsroom. The only catch for office workers: You had to first get to your building, which meant navigating jam-packed subways and closed-off streets. A photo of the crowded Fulton Center subway stop ahead of the Knicks parade. Peter Gelling Good luck pushing through this crowd on your way to work... Sydney Bradley It's been 53 years since the New York Knicks last won an NBA Championship. The Knicks defeated the San Antonio Spurs 4-1 in the Finals. Here are more photos from the revelry: Confetti floats in the wind as Knicks fans look on at the parade. Sydney Bradley Finance workers look on at the parade. Matthew Thaxton Office workers celebrate the New York Knicks' 2026 NBA Championship win. Steven Tweedie Some fans watched from the roof of buildings overlooking the parade. Matthew Thaxton Office workers throw toilet paper out their windows as they watch the New York Knicks parade. Steven Tweedie A view inside of a downtown NYC office ahead of the parade. Matthew Thaxton Knicks fans watch from an office balcony. Matthew Thaxton Employees line the windows. Steven Tweedie Office workers watch the New York Knicks victory parade. Steven Tweedie Is your office window capable of opening? Even better. Steven Tweedie Office workers watching the New York Knicks parade. Steven Tweedie Office workers throw confetti out of their windows as the Knicks parade goes past. Steven Tweedie Read the original article on Business Insider

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Gary Bartley is UBC's head groundskeeper. Courtesy of Siming Zheng Gary Bartley, UBC's head groundskeeper, is prepping pitches for Team Canada's World Cup training. He said he has learned a great deal about his trade, even after 48 years on the job. At 66, Bartley said the World Cup is a career highlight and a once-in-a-lifetime experience. This as-told-to essay is based on a conversation with Gary Bartley, 66, who is helping prepare the training pitches that Team Canada will use during the 2026 FIFA World Cup. It has been edited for length and clarity. I've been in the industry since 1978, but I've never taken on a project this big before. Working on the World Cup is like working on the Super Bowl. As the University of British Columbia's head groundskeeper for the National Soccer Development Centre (NSDC), where Team Canada will train during the 2026 FIFA World Cup, this is already a once-in-a-lifetime experience. Even after 48 years on the job, it's still a huge learning opportunity at 66. I've had the chance to work with some of the top pitch managers, professors, and educators in the field, and it will really change how I work moving forward. The National Soccer Development Centre is usually used by the Vancouver Whitecaps. Courtesy of Vancouver Whitecaps FC A typical day as a head groundskeeper I started in turf care in 1978, when I was a teenager. My first job was on a golf course, and I worked my way up to a superintendent position before moving into sports equipment sales. Through that role, I was introduced to the people at the Vancouver Whitecaps, a professional soccer club that trains at the NSDC, and about 11 years ago, I joined the team at UBC. When the Whitecaps are training here, which is usually five days a week, I get to work at 7 a.m. Before the players arrive, my team of seven is out on the field cutting grass, repairing divots, and doing whatever prep work is needed for the day's session. The pitches at the NSDC were renovated before Team Canada arrived. Courtesy of Vancouver Whitecaps FC The Whitecaps usually arrive around 10:30 a.m., and one of us stays nearby to help with any watering needs. Once training is finished, we're repairing divots, cleaning up the pitch, and preparing it for the next day. On non-training days, we're usually doing maintenance work, such as vertical cutting or top dressing. Our normal shift runs from 7 a.m. to 3 p.m. Getting the pitches World Cup ready The World Cup hasn't changed our workday too much, but the main difference is that we've had to raise our standards and maintenance practices to meet FIFA's requirements. As a training site, we've got to keep conditions as close as possible to the main match pitch to ensure things are equal and fair for all teams. Over the past few weeks, we've gone through major renovations since the Whitecaps finished training here in May. It was a very labor-intensive process. We carried out heavy verticutting, top dressing, overseeding, and re-sodded parts of the pitches. Working on divots and repairs is physically hard work, and, even more so, mentally tedious. Walking-mowing the two pitches takes three mowers about 2.5 hours, and our staff can cover around 20,000 steps in a typical morning doing that. Learning from experts has been so rewarding Gary Bartley, 66, has been in turf care for almost 50 years. Courtesy of Siming Zheng The biggest surprise has been the level of detail involved. We're used to maintaining pitches for Major League Soccer, but FIFA's attention to detail has been eye-opening. They have invested a great deal of time and effort in researching improved agronomic practices and maintenance procedures. I've got to learn about this from leading scholars from the University of Tennessee and Michigan State University, which has changed how we'll approach our practices moving forward with the Whitecaps. It's been a really rewarding process. I've also been amazed by the level of detail around the whole tournament, from security to hospitality to guest services. These are areas you take for granted and that were on the periphery of my attention, but it's become clear how much work goes into staging the World Cup at this level. It's a career highlight My family is very excited and proud that I'm involved in this. I wasn't a soccer fan before I joined the Whitecaps. Now, I'm still not a fanatic, but I am a fan. It's very rewarding to sit and look at a pitch and realize that world-class soccer players will be training on it. It makes you want to make it the best possible. I got into this industry 48 years ago because I loved it, and I still do. Being as old as I am, it's amazing to have the opportunity to be involved in the World Cup and put an asterisk beside my career. Read the original article on Business Insider

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I ordered a BLT from Subway, Jimmy John's, and Jersey Mike's to see how each chain's take on the classic sandwich would stack up. Steven John I compared BLTs from Subway, Jimmy John's, and Jersey Mike's to find the best sandwich. Jimmy John's sandwich had a bit too much bacon flavor, and Subway's was OK. Jersey Mike's BLT was so tasty and balanced; I could see myself ordering it again and again. The bacon, lettuce, and tomato sandwich, or "BLT," has been a worldwide favorite for over a century, with its simplicity key to its charm. After all, a true BLT consists of just the ingredients listed in its name between two slices of bread with a slather of mayonnaise. I've been a huge fan of the BLT for many years, so I set out with alacrity to find the best one at popular sandwich chains in the US. At each stop, in an effort to try the most default BLT, I gave no instructions beyond size preference when ordering and made no customizations. Here's how the BLTs from Subway, Jersey Mike's, and Jimmy John's stacked up — and which left me the most impressed. My Subway sandwich felt like a solid deal. Subway Steven John At Subway, I could choose between ordering a footlong BLT for $12.99 or a 6-inch for only $3.99 from the chain's Deli Faves value menu. I went with the latter, which seemed like too good a deal to pass up. The sandwich came on Italian bread, which was toasted open-faced with the bacon on top of it. After, the Subway staffer added lettuce, tomato, and mayonnaise. Subway's BLT tasted fresh, but there was way too little bacon. subway Steven John Once I got home and unwrapped the BLT, the sandwich looked light on bacon and a bit heavy on mayo. A hearty bite of Subway's BLT confirmed my suspicion: It was very light on the "B." It appeared to have about four strips of bacon, and though they were stacked closer together on the small piece of bread, it didn't feel substantial enough. The bacon pieces themselves were a bit too thin, but tender without being soft; their consistency was welcome. Beyond that, the lettuce had a good crunch, the tomato seemed fresh, and there wasn't actually a glut of mayo as I'd figured on visual inspection. This would have been a well-balanced sandwich if only there had been twice or even three times as much bacon. As it was, the bacon mostly just added a salty flavor to the sandwich rather than playing the main role in it, which is the hope for a good BLT. Overall, at a $3.99 value price, Subway's BLT was worth the money but hardly worth further commentary. After trying this, the footlong's $12.99 price also feels hard to justify. I still doubt that having double the bacon (spread over more bread) would be enough to properly balance out this BLT. Jimmy John's BLT also had toasted bread and bacon. jj Steven John At Jimmy John's, I ordered the smallest BLT I could, which came on an 8-inch "regular" French bread. The sandwich cost $8.99, which was fair but hardly a deal. My other option was ordering the 16-inch "giant" sandwich for $17.49, but it felt like far too much. In this case, again, the staffer toasted the bread and bacon, then added the other toppings and mayo. The bacon flavor was on full display in this BLT. JJ? Steven John Jimmy John's BLT had plenty of bacon — I'd say six slices encircled the lettuce and tomato. The meat was a bit crispier here than at Subway, but not crunchy. I'm a huge fan of bacon, so you might think the bacon-forward flavor profile of Jimmy John's BLT was a good thing. I wouldn't go that far, though I don't think it was a bad thing. I was mostly left wishing the sandwich were more balanced. The dominant salty, savory bacon taste made it difficult for me to detect flavors from other ingredients. Also, the lettuce wasn't as crisp as I'd like. I usually love Jimmy John's doughy, delicious, and famously fresh-baked bread. However, toasting detracted from its appeal. I'm also used to the chain's "regular" sandwiches feeling substantial enough that I often save a few bites for a post-lunch snack. This time, that wasn't the case. The slender BLT felt light in my hand, and I didn't have leftovers. I'd order this sandwich again, but only if I wasn't incredibly hungry. My Jersey Mike's BLT was the first and only one not toasted. JM Steven John Jersey Mike's is famous for its freshly sliced deli meats, so it felt strange ordering a sandwich that didn't include any. This BLT is also the only one on this list that was prepped and served cold. With no fresh slicing or toasting required, my sandwich was ready incredibly quickly. There was about 30 seconds between when I said "I'll have a BLT, please" and my finished sandwich being wrapped and deftly slipped into a to-go bag. The sandwich was available in a "mini" size (about 5 inches) for about $7.25, a "regular" size (about 7 inches) for $9.75, and a "giant" sub (about 14 inches) for $17.65. I went with the "regular" for $9.75, which felt like a solid value without getting way too much sandwich. Ultimately, I left impressed by how fast I was in and out of the store and the decent heft of my sandwich in the to-go bag. Jersey Mike's BLT hit all the right notes for this classic sandwich. jm? Steven John After one big bite, the competition was over: Jersey Mike's made the best BLT of the lot, hands down. This sandwich was large and satisfying, with a pile of shredded lettuce, thickly sliced tomatoes, and plenty of bacon layered on fresh-tasting, soft bread. There was a generous slathering of mayo, but not so much that it dominated (or dripped), and that bread was thick but pillowy, allowing for hearty bites. The bacon from Jersey Mike's was cooked to the point of being crispy, almost crunchy. This isn't my favorite take on bacon, but I know it's a popular preference that will surely please many people. And regardless, the amount of meat felt fairly generous — I counted about six slices — and it felt well-proportioned to the other ingredients. Price-wise, Subway seemed to offer the most value. Steven John After rough calculations, Subway had the lowest price-per-inch across the board for both the value-sized 6-inch BLT and the footlong. This doesn't factor in how well each sandwich was loaded, though, and value doesn't always just come down to cents. None of the estimated per-inch price differences felt significant enough for me to declare Subway my winner. It's also worth pointing out that many of these chains regularly offer meal bundles, rotating deals, and coupons that can help level the playing field. In the end, Jersey Mike's BLT remains my top pick. Steven John Next time I stop at a Jersey Mike's, you can count on the BLT being at the top of my list of likely orders. It's also a sandwich I'm sure I'll recommend to others in the future, too. The two runners-up were still fine and worth trying, which is a testament to the overall excellence of the classic bacon, lettuce, and tomato sandwich. If I find myself only a little hungry and in proximity to Subway or Jimmy John's, I may well order another BLT — especially if the former still has it on its $3.99 Deli Faves value menu. Otherwise, next time a BLT craving hits, you'll find me at Jersey Mike's. Read the original article on Business Insider

Knicks fans celebrated in Lower Manhattan with a ticker-tape parade on Thursday. Adam Gray/Getty Images The New York Knicks won their first NBA championship since 1973 on Saturday. On Thursday, fans gathered between skyscrapers along Broadway to celebrate the historic win. After a crowded commute, workers with offices overlooking the parade route enjoyed front-row seats. It's nothing but orange and blue in Lower Manhattan today. The New York Knicks are celebrating their historic NBA championship with a parade expected to draw over one million people to Manhattan's Financial District. Broadway's Canyon of Heroes, the 12-block stretch that hosted the parade, runs through the city's Financial District, which also includes Wall Street, the New York Stock Exchange, and the headquarters of major financial companies, as well as the Business Insider offices. The ticker-tape parade traveled one mile from Battery Park at the tip of Manhattan to City Hall, where Mayor Zohran Mamdani received the champions for a ceremony. It's the first ticker-tape parade in the Knicks history, and it comes after a 53-year NBA championship drought. The team clinched the title on Saturday after a 94-90 win against the San Antonio Spurs in the fifth game of the finals series. See how fans celebrated — and how workers in the district fared among the chaos. Workers in the Financial District had a very orange-and-blue commute on Thursday. Thousand of Knicks fans gathered near Wall Street for the ticker tape parade. Spencer Platt/Getty Images Over one million Knicks fans were expected to gather in the streets of Lower Manhattan to celebrate the team's NBA championship win. TIMOTHY A. CLARY / AFP via Getty Images It was the Knicks' first win in 53 years and the first celebrated with a ticker-tape parade. Michael M. Santiago/Getty Images "It may well be the largest parade in New York City history," Mayor Zohran Mamdani said. A vendor sold merchandise near the Knicks parade route. Bloomberg/Getty Images Some fans arrived early from across the NYC metropolitan area. Bloomberg/Getty Images "We've been waiting our whole lives," Jason Hulse, who came from New Jersey with his family at 5 a.m., told Business Insider. "I'm 36 years old. I've been waiting 36 [expletive] years." Fans gathered for the first ticker-tape parade in Knicks franchise history, despite their two championships in 1970 and 1973. Bloomberg/Getty Images Viewing pens along Broadway opened at 6 a.m. By 8 a.m., the city announced the pens were full and began limiting traffic. Thousands of fans lined Broadway for Thursday's ticker tape parade. Adam Gray/Getty Images Major subway stations in the Financial District had reduced exits and saw service disruptions. Fans gathered between skyscrapers to attend the parade. Michael M. Santiago/Getty Images At Fulton Street, NYPD officers had designated exits for workers in the area, who had to show their work identifications to get through. NYPD The city announced at 8 a.m. that subways would not stop south of Canal Street, and an hour later said the Brooklyn Bridge was closed. Kevin Mazur/Kevin Mazur/Getty Images "You should've taken PTO," some fans told workers commuting. "It's a holiday." Kristine Villarroel/Business Insider Despite a crowded commute, workers with offices overlooking the parade route enjoyed the city's hottest perk for the day. Workers with an office view celebrated the parade from their workplaces. Adam Gray/Getty Images The excitement reached the Business Insider office, which overlooks Broadway, as well. Kristine Villarroel/Business Insider Near the route, some fans were climbing to wherever they could find better views. Kristine Villarroel/Business Insider Others turned barricades into ladders. Kristine Villarroel/Business Insider Eden Rock Charles, the son of fan Zamien "Top" Charles, was lifted up to the ledge as well. Kristine Villarroel/Business Insider "In 30 years, when he's older, I want him to think, 'I remember my dad took me, and it was crazy,''' Zamien Charles told Business Insider. Fans gathered to witness a historic parade. Michael M. Santiago/Getty Images In the crowd, some people were passing out and requesting medical assistance. Andy Sonnenberg The Knicks clinched the title Saturday with a 94-90 win over the San Antonio Spurs during Game 5. Adam Gray/Getty Images The championship was the first time in more than a generation that fans saw the Knicks win the title. Khalil Seifullah's mother, Annie, painted his face before the New York Knicks ticker tape parade. Angelina Katsanis/Getty Images Fans chanted "MVP" as team captain Jalen Brunson celebrated the title at the parade. Jalen Brunson celebrates with the Larry O'Brien Championship Trophy during the Knicks parade. Michael Loccisano/Getty Images Mayor Zohran Mamdani joined the celebrations, riding one of the parade floats with player OG Anunoby. Mayor Zohran Mamdani and OG Anunoby are seen on a float during the Knicks Championship ticker-tape parade. Angelina Katsanis/Getty Images The mayor hosted a celebration ceremony at City Hall after the parade. Mayor Zohran Mamdani stands with the city's first lady, Rama Duwaji, and New York Governor Kathy Hochul at the Knicks ceremony. Kevin Mazur/Getty Images Some fans, like Emily Wheland and Kiana Lang from the Albany area, traveled hours through the early morning to get to the celebrations. Bloomberg/Bloomberg via Getty Images "This right here is picking the whole city's spirits up," Wheland told Business Insider. Angelina Katsanis/Getty Images Hulse added, "When my life flashes before my eyes when I'm on my deathbed, this will definitely be one of them flashes." Michael M. Santiago/Getty Images Read the original article on Business Insider

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