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Trump's student-loan overhaul takes effect July 1 — but it's not the deadline for borrowers to act on repayment changes
President Donald Trump's student-loan repayment overhaul takes effect on July 1. hxdbzxy/Getty Images Trump's sweeping student-loan changes take effect July 1. SAVE borrowers aren't required to switch to a new repayment plan right away. They'll receive a 90-day timeframe in which they can select a new plan. For millions of student-loan borrowers, July 1 is the starting point — not the deadline — to act on repayment changes. After President Donald Trump's administration eliminated the SAVE repayment plan in March, the Education Department recommended that the 7 million enrolled borrowers switch to a new plan and begin making payments as soon as possible. However, switching before July 1 is not required. Beginning July 1, the department said it would start sending emails to SAVE borrowers about their timeline for switching plans. Upon receiving this email, which may come later than July 1, borrowers will have 90 days to select a new plan. If they do not select a new plan by the end of the 90-day period, they will automatically be placed in the standard repayment plan, which is the most expensive option. A notice the department recently sent to SAVE borrowers, reviewed by Business Insider, said that "hundreds of thousands" of borrowers have already switched plans. In a recent court filing, the department affirmed that, because borrowers will be transitioned in waves, some "will get even more time" than the earliest possible transition deadline of September 29. Trump's student-loan repayment overhaul will bring a host of changes, in addition to the SAVE transition. Also beginning July 1, new repayment plans and borrowing caps will take effect, and borrowers expect to see their monthly bills increase — some by hundreds of dollars. Ongoing litigation could halt some of those changes. A lawsuit filed in March aims to stop the forced transition of borrowers off the SAVE plan, and a federal judge recently blocked the department's narrowed definition of a professional degree from taking effect July 1, which would have placed lower borrowing limits on some advanced degree programs. The administration has previously said that these changes are intended to simplify a complex repayment system and curb excessive borrowing. Have a story to share about student loans? Contact this reporter at asheffey@businessinsider.com, or fill out this form. Read the original article on Business Insider
Kalshi sues Illinois over new tax on prediction market sports bets
Illinois now a key battleground in fight over prediction market sports bets.
AI has given cybercriminals a big advantage in attacking organizations, which they are using to go after weaknesses on edge devices The post AI-Driven Identity Attacks Are Surging, PwC Warns appeared first on TechRepublic.
Arena, the AI leaderboard everyone uses, is now a $100M business
The startup, which runs a popular free AI leaderboard, launched its commercial service just last September.
How Far Can Classical NLP Go? From Bag-of-Words to Stacking on Spooky Author Identification
An end-to-end classical NLP experiment on Kaggle’s Spooky Author Identification task: from Vowpal Wabbit and TF-IDF/NB-SVM baselines to a tuned stacked ensemble, with a compact representation survey of Bag-of-Words, BM25, Word2Vec, and FastText for context. The post How Far Can Classical NLP Go? From Bag-of-Words to Stacking on Spooky Author Identification appeared first on Towards Data Science.
Christine Mui / Politico: California strikes a deal with Anthropic to expand the use of Claude products across state agencies and local governments at a 50% discount — “A lot of departments are going to switch their usage to this contract, and that's very much our intent,” Chris Given, California's chief information officer …
Cursor now has a mobile app for guiding your coding agent on the go
Cursor has launched a new mobile app for remote oversight over coding agents.
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I've been to 38 states, but there's just one that truly blew me away — and I still can't stop thinking about it
Of all the places I (not pictured) have traveled in the United States, Utah has been one of the most memorable. Tetra Images/Steve Smith/Getty Images I've traveled to 38 states, but Utah is the one that stands out to me most of all. It has a surreal landscape and incredible views inside and out of its famous national parks. The dark night skies full of stars, ghost towns, and the natural beauty of Utah really won me over. Growing up, my family was whatever the opposite of outdoorsy is. We didn't camp or go to national parks. Instead, we traveled to cities, ate well, visited museums, and planned our days around dinner reservations. It wasn't until I had been living in New York City for a long time and was traveling more for work that I understood the appeal of wide-open space. And nowhere changed my perspective more than Utah. I've now been to 38 states, but Utah is the one I still think about most. The landscape feels surreal Snow Canyon State Park is one of many incredible spots in Utah. zrfphoto/Getty Images I landed in St. George and immediately understood why people become obsessed with Utah's scenery. From the plane window, red rock stretched endlessly in every direction — a color palette so different from the Northeast that it barely felt real. There are so many shades of red, pink, and orange in Utah's scenery. Erica Finamore Driving through the state only deepened that feeling. Every road seemed to lead to another dramatic shift in landscape: towering sandstone cliffs, high-desert plains, winding canyons, and stretches of open space so vast they completely reset your sense of scale. Routes like Scenic Byway 12 are famous for a reason: The drive becomes the destination. Utah's beauty goes way beyond its famous national parks There are sandstone cliffs and red rocks almost everywhere you look in some parts of Utah. George Rose/Getty Images Utah is best known for places like Zion National Park, Bryce Canyon National Park, and Arches National Park, but what surprised me most was how much beauty exists outside the marquee attractions. Snow Canyon State Park, just outside St. George, combines lava flows, sand dunes, and Navajo sandstone cliffs into a landscape so dramatic it would likely qualify as a national park in almost any other state. In Utah, though, extraordinary scenery is simply the norm, and there's too much natural wonder to be contained in the "Mighty Five" of Zion, Bryce, Arches, Canyonlands, and Capitol Reef parks. Even the stretches between destinations felt cinematic, especially the drive from St. George to Kanab, where towering red cliffs and open desert made every mile feel like part of the experience. One of the most unforgettable places I visited was Peek-A-Boo Slot Canyon, located in Grand Staircase-Escalante National Monument. The Peek-A-Boo Slot Canyon feels otherworldly. Brian van der Brug / Los Angeles Times via Getty Images At points, the canyon narrows so tightly that only thin beams of sunlight reach the ground. The sandstone walls tower overhead, making the entire experience feel less like hiking and more like being absorbed into the landscape. I had a blast exploring Peek-A-Boo and other beautiful spots in Utah. Erica Finamore Unlike more photographed destinations like Antelope Canyon, Peek-A-Boo feels quieter and less polished, which somehow makes it even more powerful. Many parts of Utah feel like a movie set Many iconic movies and shows have been filmed in Utah. Erica Finamore Part of what makes Utah so visually striking is how familiar it already feels. For decades, filmmakers used the state's landscapes to define the look of the American West. Movies like "Butch Cassidy and the Sundance Kid" used Utah's dramatic scenery as a backdrop, and towns like Kanab became production hubs for generations of Westerns. Kanab was nicknamed "Little Hollywood" because so many films were shot there, and the Once Upon a Time in America Museum still preserves that history today. More modern classics like "Yellowstone" (seasons one through three) and "Thelma & Louise" were also filmed here, and the next generation of productions is already taking shape. Kevin Costner recently built a new film studio in St. George. It's got ghost towns galore Walking through some places, like Grafton Ghost Town, feels like being on a movie set. whammer121736/Getty Images Utah is home to more than 140 recognized ghost towns, many abandoned after failed farming settlements, flooding, or the collapse of mining industries. One of the most famous is Grafton Ghost Town, located just outside Zion National Park. Established in 1859 by Mormon settlers, it later became known as a filming location for "Butch Cassidy and the Sundance Kid." Today, the town remains remarkably well-preserved, with its 1886 schoolhouse and adobe homes sitting beneath towering red cliffs. Walking through it feels eerie and strangely emotional. It's a reminder of the people who once built lives there, only to be driven out by the unpredictable flooding of the Virgin River and other struggles. The night sky can change you What stayed with me most wasn't just the landscapes; it was the feeling of space. In New York, it's easy to forget how dark the night sky can actually get. In Utah, the stars felt impossibly bright and endless. Combined with the silence, the open roads, and the constant presence of nature, it created a sense of calm I hadn't realized I was missing. When I came home, I was happy to be back with my family, but part of me still missed the red rocks, the endless horizons, and the feeling that something extraordinary was waiting around every turn. Read the original article on Business Insider
I've made friends on solo trips and traveled to visit them. These relationships are just as valuable as local ones.
I traveled to Paris and reconnected with some friends I met on solo trips in 2024. Chelsia Durkee A few years ago, I made three European friends while taking solo trips across the country. Recently, I returned to Paris and London to catch up with them, and had the best time. International friendships are just as important as local ones, even if we see each other less. In 2024, I had the privilege of going on multiple solo trips to Europe. On my very first night in London, sleep-deprived and high on my new adventure, I met a lovely local named Nora at a restaurant. We spent several weeks hanging out in London pubs, parks, and restaurants. The following month, I met a Parisian solo traveler named Zoe on a Holocaust tour in Berlin, and we spent the next few days dancing in world-famous techno clubs together. Finally, in December, I rang in the New Year with women solo travelers and locals in Lisbon. One of those Lisbon locals became my friend Martha, who was living in Paris but spending the holiday season at home. When I solidified plans to head to Spain this year, I jumped at the chance to potentially extend my trip to Paris and London and reunite with my friends. After confirming they would be around, I booked my flights and accommodation for both cities. We got to see Europe through each other's eyes My Parisian friends and I took each other to places we otherwise may not have visited. Chelsia Durkee I was technically in Paris alone, but from the start of the trip, I barely had a moment to myself. As soon as I got off the train, I was on the phone with Zoe to coordinate plans. I thought it would be fitting to see a burlesque show together. After the show, we went dancing at Le Raidd, a popular gay club in Le Marais. Zoe and I hadn't talked regularly since we had met, but it felt like no time had passed. We caught up on everything, from career moves to our families to our shared love of romance novels. "I rarely go out in Paris," she said. I was a bit surprised. Based on our shared adventures in Berlin, I assumed that she was always hopping from one exotic adventure to the next. The next evening, I met up with my other Parisian friend, Martha. We went to Sacré-Coeur, and since it was still chilly, there were barely any crowds. In typical Paris fashion, we wandered around gorgeous cobblestoned streets and talked for hours at Café Des Deux Moulins, a café made famous by the film "Amelié". Though we were raised in completely different cultures, our mindsets around business, travel, and love were surprisingly similar. I learned that, contrary to some French stereotypes, many Parisians struggle with work-life balance. My friends also enjoyed hearing about my adventures and day-to-day life in California. Martha told me it was refreshing to visit tourist attractions. She saw how excited I was over the red-adorned cafés, flower-lined archways, and artist stalls in Montmartre, and it energized her to see the city through rose-colored glasses. She recommended a local French restaurant, La Cantine de la Cigale, where I experienced authentic duck confit on my own later that night. In a popular city like Paris, I appreciated getting local recommendations so I could try to avoid tourist traps. After a week in Paris, I took the quick two-hour Eurostar train to London to meet with Nora. Since I had less than 24 hours in the city, we spent the time revisiting our old haunts in Hackney, including my old Airbnb and the Sainsbury's grocery store I used to frequent. We even went back to the restaurant where we originally met. My time in Paris and London reminded me how important these friendships are I've learned that time spent together doesn't always dictate the strength of a relationship. Chelsia Durkee Long-distance friendships can be harder to maintain than local ones, but I've developed more empathy, learned about new cultures, and tried different activities. I've also had the chance to get a taste of the local Parisian and London life, since my friends have brought me to hidden spots I wouldn't normally find on my own. If I hadn't taken the risk of exploring Europe alone and putting myself out there with new people, I would never have made these connections — and now, I think my long-distance friendships are just as important as my relationships back home. These friends have taught me that the strength of a friendship isn't always measured by time spent together. Though we may only keep in touch sporadically, Nora, Zoe, and Martha know they can visit me anytime they're in San Francisco. I'm confident that because of our unique, shared memories, we can pick up right where we left off. Solo travel has made me a better person in so many ways: I'm more open, kind, and vulnerable. I feel more resilient, and I care less about what others think. Most of all, though, the international friendships have made my world feel more connected. I thank my friends — and all the future connections to come — for helping me call multiple cities home. Read the original article on Business Insider
<p><strong><a href="https://deep-reinforce.com/ornith_1_0.html">Ornith-1.0: Self-Scaffolding LLMs for Agentic Coding</a></strong></p> This is an interesting new open weights (MIT licensed) model, the first model release from DeepReinforce.</p> <blockquote> <p>[...] with variants including 9B Dense, 31B Dense, 35B MoE, and 397B MoE. Built on top of pretrained Gemma 4 and Qwen 3.5, it achieves state-of-the-art performance among open-source models of comparable size on coding benchmarks.</p> </blockquote> <p>As far as I can tell the licenses of those underlying models is compatible with being used in this way - Gemma 4 is Apache 2.0 licensed (and not bound by the janky additional <a href="https://ai.google.dev/gemma/terms">Gemma Terms of Use</a> that afflicted the previous Gemma models) and Qwen 3.5 is Apache 2.0 licensed as well.</p> <p>I've been running the model using LM Studio and the <a href="https://huggingface.co/deepreinforce-ai/Ornith-1.0-35B-GGUF">ornith-1.0-35b-Q4_K_M.gguf</a> (20GB) GGUF, hooked up to <a href="https://pi.dev/">Pi</a>. Initial impressions are very good - it seems to be able to run the agent harness over many tool calls in a proficient way.</p> <p>Here's <a href="https://gisthost.github.io/?35da4d9ce7f0c27124c67655a0dc9e5d">a terminal session</a> where I asked it to "find the code that decodes the actor cookie" and then "find the code that opens the insert dialog when thebutton is clicked" against a Datasette checkout, which it handled with ease.</p> <p>I also had it <a href="https://gist.github.com/simonw/1869e1bbcafe5bcad0f26351f6a978a6">draw this pelican</a>, which came out at 103 tokens/second:</p> <p><img alt="Cartoon illustration of a white pelican (albeit slightly mangled) with a large orange beak riding a red bicycle across green hills. The scene has a blue sky with a yellow sun and three white clouds, and small grass tufts dot the foreground." src="https://static.simonwillison.net/static/2024/ornith-1-pelican.png" /></p> <p>It's a little bit mangled but the pelican is clearly a pelican.</p> <p>I couldn't find much information about DeepReinforce themselves. The earliest paper I could find from the was <a href="https://arxiv.org/abs/2507.14111">CUDA-L1: Improving CUDA Optimization via Contrastive Reinforcement Learning</a> from June 2025. <p>Tags: <a href="https://simonwillison.net/tags/ai">ai</a>, <a href="https://simonwillison.net/tags/generative-ai">generative-ai</a>, <a href="https://simonwillison.net/tags/local-llms">local-llms</a>, <a href="https://simonwillison.net/tags/llms">llms</a>, <a href="https://simonwillison.net/tags/qwen">qwen</a>, <a href="https://simonwillison.net/tags/pelican-riding-a-bicycle">pelican-riding-a-bicycle</a>, <a href="https://simonwillison.net/tags/gemma">gemma</a>, <a href="https://simonwillison.net/tags/llm-release">llm-release</a>, <a href="https://simonwillison.net/tags/lm-studio">lm-studio</a></p>
A dietitian never gets bored of breakfast. Her formula for high-fiber, high-protein oats is inspired by sweet treats.
Josie Porter is a dietitian based in London. Kimberly Espinel Josie Porter, a dietitian, always has oats, protein-rich yogurt, and high-fiber toppings for breakfast. She switches up the toppings every day to keep it interesting. Porter draws inspiration from her favorite sweet treats such as carrot cake and banana bread. Josie Porter, a dietitian and cookbook author, has a trick to stop her go-to breakfast of oats, protein-rich yogurt, and high-fiber toppings from getting boring: she takes inspiration from her favorite desserts. "They're the ingredients I pretty much use mostly every day, most weeks. And then, I'll just switch up how I use them," Porter, the author of "How Not To Take Supplements," told Business Insider. She ends up with a nourishing breakfast that she spends more time enjoying than preparing. "My breakfasts are one of the things that I don't want to spend too much mental energy thinking about," she said. Her approach helps her hit her nutrition goals of eating at least 20 grams of protein and at least six grams of fiber every meal. "I don't aim for anything too rigid other than that," she said. Porter shared her favorite combinations of her tried-and-true breakfast. Core ingredients Jumbo oats form the base of Porter's breakfast. She prefers them to more finely milled oats, like instant oats, because they are less processed and have a lower glycemic index. "So they're going to give you a nice steady release of blood sugar and release of energy," she said. She uses strained Greek yogurt or Skyr, an Icelandic dairy product, because straining results in more protein per bite than other yogurts. She sometimes adds protein powder if she knows her meals later in the day will be lacking. Then she adds a handful of seeds and a handful of nuts, "I try and have as many different ones as possible in the morning," she said. She also has one to two portions of fruit. Ingredients: Jumbo oats Strained Greek yogurt or Skyr Milk (cow or plant-based) Protein powder (optional) Nuts Seeds Fruit Oats, 4 ways Jumbo oats form the base of Porter's breakfast. MmeEmil/Getty Images Depending on how much time she has and what she's in the mood for, Porter has four different ways of preparing her oats. Oatmeal (Cook on the stove top for 5 minutes, serve with yogurt on top) Overnight oats (Mix the ingredients together and leave in the fridge overnight) Single serve granola (Cook the dry ingredients for 10 minutes in the air fryer) Baked oats (Blend the ingredients together, then bake for 20 to 25 minutes. Serve with yogurt and fruit) Flavor combos Drawing inspiration from her favorite sweet treats, Porter flavors her oats with ingredients like cocoa powder, vanilla essence, and cream cheese to create delicious flavor profiles. Chocolate orange oats (cocoa powder and orange zest) Carrot cake granola (finely grated carrot, raisins, pecans, walnuts, coconut flakes, ground cinnamon, ground ginger, grated nutmeg, orange zest, maple syrup, and vanilla extract) Banana bread oats (mashed banana, vanilla essence, chopped walnuts or pecans, cinnamon, and dark chocolate chips) Guinness cake oat (non-alcoholic Guinness, cocoa powder, vanilla essence, and cream cheese) Cherry Bakewell tart granola (almond extract, flaked almonds, frozen cherries, chia seeds, and maple syrup) Sticky toffee pudding oats (dates, mashed banana, and pecans) Read the original article on Business Insider
Octolens
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North Korea-Linked macOS Malware Uses Prompt Injection to Evade AI Analysis
SentinelOne says macOS.Gaslight uses prompt injection to mislead AI-based malware analysis, steal data, and use Telegram for C2. The post North Korea-Linked macOS Malware Uses Prompt Injection to Evade AI Analysis appeared first on TechRepublic.
F1 in Austria: Starts off exciting, then goes the opposite way
A heatwave, engine upgrades, plus power levels for the next two seasons.
Italy probes Microsoft 365 pricing after Copilot AI rollout, raising questions over renewals, non-AI options, and user choice in EMEA. The post Italy Investigates Microsoft 365 Price Hike Tied to Copilot appeared first on TechRepublic.
Opinion: Why Token Counting Obscures ROI on AI Investments
A true cost model doesn’t just show where money is being spent -- it reveals which work is driving impact.
How to Govern Autonomous Agents in Enterprise AI Factories
AI agents are quickly moving beyond chat. They inspect code, run tests, read documents, search knowledge bases, query internal systems, and operate for hours on... AI agents are quickly moving beyond chat. They inspect code, run tests, read documents, search knowledge bases, query internal systems, and operate for hours on behalf of a user. This unlocks productivity, but can also give agents access to sensitive enterprise data and the ability to complete tasks and take action across business systems, making a secure, governed environment essential. Source
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