After the US Supreme Court struck down his administration’s plan to cancel federal student loan debts for millions of Americans, President Joe Biden has unveiled a “new path” for relief, one that he assured is “legally sound” but will “take longer”. In remarks from the White House on 30 June, the president hit out at Republican state officials and legislators who supported the lawsuit which enabled the nation’s highest court to strike down his student debt forgiveness initiative, accusing many of them of hypocrisy for taking money from pandemic-era relief programs while opposing relatively meager relief for student loan borrowers. “Some of the same elected Republicans, members of Congress who strongly opposed relief for students, got hundreds of thousands of dollars themselves ... several members of Congress got over a million dollars — all those loans are forgiven,” he said. “The hypocrisy is stunning,” he said. Accompanied by Secretary of Education Miguel Cardona, Mr Biden opened his remarks by acknowledging that there are likely “millions of Americans” who now “feel disappointed and discouraged or even a little bit angry about the court’s decision today on student debt”. “And I must admit, I do too,” he said. Still, Mr Biden reminded Americans that his administration has previously taken actions to reform student loan repayment programs to make them easier to access, and to keep borrowers from spending more than five per cent of disposable income on monthly repayments, and to strengthen loan forgiveness options for borrowers who take public service jobs. The president has directed Mr Cardona to “find a new way” to grant similar loan relief “as fast as we can” in a way that is “consistent” with the high court’s decision. On Friday, the Education Department issued the first step in the process of issuing new regulations under this so-called “negotiated rulemaking” process. In the mean time, Mr Biden said his administration is creating a temporary year-long “on-ramp repayment programme” under which conditions will remain largely the same as they have during the three-year pandemic-era pause in payments which is set to expire this fall. The department’s 12-month “on ramp” to begin repayments, from 1 October through 30 September, aims to prevent borrowers who miss repayments in that time period from delinquency, credit issues, default and referral to debt collection agencies. “During this period if you can pay your monthly bills you should, but if you cannot, if you miss payments, this on-ramp temporarily removes the threat of default,” he said. “Today’s decision closed one path. Now we’re going to pursue another — I’m never gonna stop fighting,” the president continued, adding that he will use “every tool” at his disposal to get Americans the student debt relief they need so they can “reach [their] dreams”. “It’s good for the economy. It’s good for the country. It’s gonna be good for you,” he said. Asked by reporters whether he’d given borrowers false hope by initiating the now-doomed forgiveness plan last year, Mr Biden angrily chided the GOP for having acted to take away the path to debt relief for millions. “I didn’t give any false hope. The question was whether or not I would do even more than was requested. What I did I felt was appropriate and was able to be done and would get done. I didn’t give borrowers false hope. But the Republicans snatched away the hope that they were given and it’s real, real hope,” he said. The Supreme Court’s 6-3 ruling from the conservative majority argues that the president does not have the authority to implement sweeping relief, and that Congress never authorised the administration to do so. Under the plan unveiled by the Biden administration last year, millions of people who took out federally backed student loans would be eligible for up to $20,000 in relief. Borrowers earning up to $125,000, or $250,000 for married couples, would be eligible for up to $10,000 of their federal student loans to be wiped out. Those borrowers would be eligible to receive up to $20,000 in relief if they received Pell grants. Roughly 43 million federal student loan borrowers would be eligible for that relief, including 20 million people who stand to have their debts cancelled completely, according to the White House. Lawyers for the Biden administration contended that he has the authority to broadly cancel student loan debt under the Higher Education Relief Opportunities for Students Act of 2003, which allows the secretary of education to waive or modify loan provisions following a national emergency – in this case, Covid-19. Since March 2020, with congressional passage of the Cares Act, monthly payments on student loan debt have been frozen with interest rates set at zero per cent. That pandemic-era moratorium, first enacted under Donald Trump and extended several times, was paused a final time late last year. Over the last decade, the student loan debt crisis has exploded to a balance of nearly $2 trillion, most of which is wrapped up in federal loans. The amount of debt taken out to support student loans for higher education costs has surged alongside growing tuition costs, increased private university enrollment, stagnant wages and GOP-led governments stripping investments in higher education and aid, putting the burden of college costs largely on students and their families. Read More Supreme Court strikes down Biden’s plan to cancel student loan debts Supreme Court strikes down affirmative action, banning colleges from factoring race in admissions Biden condemns Supreme Court striking down affirmative action: ‘This is not a normal court’ Justice Ketanji Brown Jackson delivers searing civil rights lesson in dissent to affirmative action ruling

EXTON, Pa.--(BUSINESS WIRE)--Aug 14, 2023--

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Lack of data protection laws in the UK could see an increasing problem of AI “ghostbots” made from people’s digital footprints, new research from Queen’s University Belfast has suggested. “Ghostbot” is a term used to describe what happens when artificial intelligence is used to create digital reincarnations of the dead. The technology used to create this includes chatbots, deepfakes or holographs that can replicate the voice, face and even personality of a dead person using data from social media. 'Ghostbots' lie at the intersection of many different areas of law, such as privacy and property, and yet there remains a lack of protection for the deceased’s personality, privacy, or dignity after death Dr Marisa McVey, Queen’s University Belfast As the concept of digital reincarnation moves into the mainstream, celebrities are beginning to showcase the capabilities of such technology, for example, a hologram of the late Robert Kardashian created using deepfake technology was gifted to Kim Kardashian by Kanye West in 2020, which used her father’s likeness and spoke in his voice. A research study titled Governing Ghostbots from Queen’s University Belfast, Aston Law School and Newcastle University Law School, has suggested that greater societal awareness of “ghostbots” and a “do not bot me” clause in wills and other contracts could prevent people from being digitally reincarnated without permission. The research looked at potential legal avenues to protect privacy (including post-mortem privacy), property, personal data, and reputation. Dr Marisa McVey from the School of Law at Queen’s University Belfast said there was a lack of protection for people’s privacy or dignity after death. Currently, in the absence of specific legislation in the UK and further afield, it’s unclear who might have the power to bring back our digital persona after we die Dr Marisa McVey, Queen’s University Belfast “’Ghostbots’ lie at the intersection of many different areas of law, such as privacy and property, and yet there remains a lack of protection for the deceased’s personality, privacy, or dignity after death,” she said. “Furthermore, in the UK, privacy and data protection laws do not extend to heirs after death,” she said. “While it is not thought that ‘ghostbots’ could cause physical harm, the likelihood is that they could cause emotional distress and economic harm, particularly impacting upon the deceased’s loved ones and heirs. “Currently, in the absence of specific legislation in the UK and further afield, it’s unclear who might have the power to bring back our digital persona after we die.” In the US and EU there is increasing momentum to legislate on who has ownership over a person’s digital identity, for example the EU AI Act which requires greater transparency for deepfakes and chatbots. In the absence of legislation in the UK, one way to protect our post-mortem selves might be through the drafting of a legally binding ‘do not bot me’ clause that could be inserted into wills and other contracts while people are still alive Dr Marisa McVey, Queen’s University Belfast Dr McVey has suggested that in addition to more formal legislation, an increased understanding of the phenomenon of “ghostbots” could help people to protect their data. “In the absence of legislation in the UK, one way to protect our post-mortem selves might be through the drafting of a legally binding ‘do not bot me’ clause that could be inserted into wills and other contracts while people are still alive,” she said. “This, combined with a global searchable database of such requests, may prove a useful solution to some of the concerns raised by ‘ghostbots’. “We also suggest that in addition to legal protections, greater societal awareness of the phenomenon of ‘ghostbots’, education on digital legacies and cohesive protection across different jurisdictions is crucial to ensure that this does not happen without our permission.” The research was a part of the Leverhulme Trust-funded project Modern Technologies, Privacy Law And The Dead. Read More Charity boss speaks out over ‘traumatic’ encounter with royal aide Ukraine war’s heaviest fight rages in east - follow live Banking app feature allows economic abuse survivors to mute malicious messages Augmented reality headset Vision Pro is ‘most advanced device ever’ – Apple Revealed: The delivery apps charging you double for your food shop

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