2023 Script Your Future Medication Adherence Team Challenge winners

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May 16, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, DC —Today, the National Consumers League (NCL) announced the winners of its twelfth annual Script Your Future Medication Adherence Team Challenge, an eight-week intercollegiate competition among health profession student teams and faculty to combat poor medication adherence in the United States, where nearly three out of four patients do not take their medication as directed.

The Challenge, hosted by NCL, returns to university campuses across the country to encourage student competition and innovation. “The Team Challenge was first established in 2011 to nurture adherence-minded values in future generations of health professionals. Since its launch, the campaign has supported close to 2,000 community health events, engaged over 60,000 healthcare providers, and reached 27.5 million consumers and counting. We are very proud of the contribution this effort has made to the public health of all consumers,” said NCL Chief Executive Officer, Sally Greenberg.

This year’s winners are:

  • Lake Erie College of Osteopathic Medicine (LECOM) School of Pharmacy,
  • Temple University School of Pharmacy,
  • Western University School of Health Sciences,
  • University of Charleston School of Pharmacy, and
  • University of Pittsburgh School of Pharmacy.

2023 Medication Adherence Team Challenge Winners

National Award Winner: Lake Erie College of Osteopathic Medicine (LECOM)

Lake Erie College of Osteopathic Medicine’s (LECOM) 2023 Script Your Future efforts were centered around Wellness, Adherence, Lifestyle, and Knowledge (WALK). LECOM students and faculty designed community service events in collaboration with various healthcare professionals across pathways (Erie, Bradenton, Distance Education) and programs (pharmacy, medical, and masters). The unified message promoted the importance of medication adherence, chronic disease state management, reducing disease stigma, smoking cessation, safe drug disposal, and OTC medication safety. To kick off 2023 Script Your Future, a healthcare pledge affirming the importance of interdisciplinary teamwork in improving patient outcomes was distributed and 223 current and future healthcare professional signatures were received. Overall, 817 educational materials were distributed in-person to 260 individuals. Social media, print, and broadcasting efforts reached an estimated 279,360 individuals. Overall, LECOM’s Script Your Future was a successful and impactful campaign that consisted of 159 volunteers, correlating to 273 hours of community service contributed throughout 23 service events that reached 279,779 individuals.

Under-Represented Community Outreach Award Winner: Temple University

Temple University’s main initiative this year was a community baby shower. Students got together and sought donations for diapers, wipes, baby clothes, diaper bags, strollers, car seats, baby bottles, and pacifiers, and advertised the event throughout social media to expectant mothers in the North Philadelphia community. Students connected with larger Philadelphia organizations to get the word out and have expecting mothers register for the event. The event was a great success! There was a panel on general women’s health and gestational diabetes to educate the expecting mothers and students created pamphlets on gestational diabetes and pediatric vaccinations. During the event students displayed safe drug disposal posters and educated the mothers on the importance of keeping medications in places where children and pets cannot reach them. The team was able to help over 50 expectant mothers in the North Philadelphia community.

Media & Communications Award Winner: Western University

In addition to creating TikTok videos, Western’s 2023 team recreated its website with a new, cleaner interface that is easier to use among every age group. A new tinyurl link (www.tinyurl.com/amcphealthhelper) and QR codes to link to the website were created, along with infographics for a variety of chronic diseases. The infographics were visually appealing and easy to read. Additionally, the infographics about COVID-19, high blood pressure, diabetes, and more were available to view in English, Spanish, Vietnamese, Mandarin, and Korean. For this year, the team provided a new translation for its infographics in Tagalog because there is a significant number of Filipino patients within the community. Visitors were able to download these infographics in each language for personal use, all infographics were available in these languages. By informing patients about their disease states, the students were able to help them understand why it is important to continue adhering to their medications. In addition to efforts to promote the TikTok videos and website, the team also collaborated with local pharmacies including Owl Pharmacy, Holt Pharmacy, Ontario Pharmacy, ABC Pharmacy, and Costco Pharmacy in distributing Script Your Future wallet cards. A total of approximately 2,000 wallet cards were distributed, including 1290 in English, 347 in Spanish, 142 in Vietnamese, and 80 in Mandarin.

Interprofessional Award Winner: University of Charleston

The University of Charleston School of Pharmacy (UCSOP) took a broad approach to interprofessional collaboration and included students studying political science and public health. These students were onsite during the West Virginia Rural Health Day and WVA Pharmacy Day at the Capital events. Political Science students were able to give advice to pharmacy students on presenting material and information to legislators and state leaders. Students focused efforts on increasing community influence around the importance of healthy lifestyles, medication adherence, and the confidence in vaccines. To broaden the effort further, the University of Charleston Nursing Program, University of Charleston Athletic Trainers and Exercise Undergraduates, along with various undergraduate students who could share knowledge on health topics participated in various events. In addition to UC associates, the team collaborated with several community partners, such as the West Virginia Pharmacists Association, West Virginia Rural Health Association, West Virginia Collegiate Recovery Network, American Foundation for Suicide Awareness, The American Heart Association, Mt. Olivet Baptist Church, and West Virginia local and state representatives. In working with these organizations, the team was able to broaden the number of community members influenced by its campaign efforts.

Technology Innovation Award: University of Pittsburgh

The Pitt Pharmacy team created innovative technologies where students had the ability to learn about cardiovascular emergencies in real time. Students ran simulations with simman. This “patient” can have a range of health concerns, from a heart attack to atrial fibrillation. Students learned how cardiac disorders are treated and performed simulations as instructors for future pharmacy students. In addition, student organizations hosted events with virtual reality technology where students could “treat” patients for these cardiovascular events.

Owen Hott, a student involved in the University of Pittsburg technology committee, stated, “As the head of the technology and innovation committee, Script Your Future was a great experience that allowed me to work with new people, come up with awesome ideas, and to play a part in a national campaign to empower patients. Part of my future goals as a pharmacist is to make sure that patients are as knowledgeable about their own health as their health providers. It’s all too often that I see issues that could have been avoided if anyone had spent the time to teach patients about their conditions rather than just sending them off with their medications, and I’m glad I was able to contribute to the cause!”

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

Team from Hawaii wins its state’s first National LifeSmarts Championship

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May 2, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Photos from the 2023 National LifeSmarts Championships can be found here.

The team from Maryknoll School in Honolulu, Hawaii, was crowned the 2023 National LifeSmarts Champion in Cincinnati, Ohio, this past Sunday, April 30. In 29 years of LifeSmarts competition this is the first-ever win for The Aloha State.

The all-senior team, coached by Kit U Wong, competed against Dallas High School from Dallas, Pennsylvania, in the championship match. The 2023 members of the team from Hawaii include: Captain Chris Ho, Adam Nelson, Maddi Agustin, Kaitlyn McLeod, and Benson Leung.

Joining Hawaii and Pennsylvania in Sunday’s semifinal matches were teams from Georgia and Rhode Island. Teams from the District of Columbia, Kansas, Washington, and Wisconsin all made it to the top eight.

Forty-two student teams traveled from across the country to compete over four days at the iconic Hilton Cincinnati Netherland Plaza in Downtown Cincinnati.

“This year’s Nationals, like past competitions, were riveting,” said LifeSmarts Program Director Lisa Hertzberg. “Each year, teams from across the United States come ready to compete, learn from each other, and enjoy their time together. We are thrilled for Team Hawaii’s first ever-win. Congratulations to the Maryknoll Spartans!”

“I commend all of the students who competed hard and demonstrated such a breadth of consumer knowledge,” continued Hertzberg. “They are the best and brightest from across the country, and they should all be proud of their accomplishments.”

LifeSmarts is an education and scholarship program run by the Washington, DC-based National Consumers League (NCL), the nation’s oldest consumer advocacy organization. It competitively tests high school students’ knowledge of consumer awareness, with subjects including personal finance, health and safety, consumer rights and responsibility, technology and workforce preparation, and the environment. LifeSmarts is available in all 50 states, the District of Columbia, and in partnership with student leadership programs such as 4-H, BPA, FBLA, FCCLA, SkillsUSA. and others.

Each student on the first-place team received a $1,500.00 scholarship; second-place team members received $1,000.00 scholarships; and third-place team members received $750 scholarships. Team members who placed fourth received gift cards.

Teens from each of the 42 teams represented at Nationals also competed as individuals, and the top-scoring student in each LifeSmarts subject received a $500 scholarship from NCL. The 2023 winners are:

  • Consumer Rights and Responsibilities: Lucas Carver, Pennsylvania
  • Environment: Hannah Christianson, Washington
  • Health and Safety: Marie Popielarz, Pennsylvania
  • Personal Finance: Mahi Dohl, Pennsylvania
  • Technology and Workforce Preparation: Chris Ho, Hawaii

Natalie Keller from Selah High School in Washington State and Gabe Laster from Norton Wild Card 9 from Lebanon, Missouri, were awarded co-LifeSmarts Students of the Year. They each received $100 Amazon gift cards.

Winning recognition as LifeSmarts Coaches of the Year were Tina Steinert from Kansas, Dave Handt from Varsity Wild Card 4 from North Dakota and Bea Roberson from Oklahoma  All three LifeSmarts coaches received $100 Amazon gift cards.

LifeSmarts State Coordinator of the Year was awarded to Brittani Lee, Georgia State Coordinator, who has been a devoted advocate for LifeSmarts for many years, growing the state program and seeing four teams from Georgia advance to this year’s National LifeSmarts Championship.

The Sarah Weinberg LifeSmarts Memorial Scholarship, given each year to a student who demonstrates an extraordinary commitment to community service, was awarded to Kaitlyn Johnson of Delaware.

NCL’s partnership with UL Standards & Engagement has elevated the issues surrounding counterfeit products. Winners of the Be Safe Buy Real digital poster contest were Bianca Murphy from Colorado, Kianna Siebert from Minnesota, Marie Popielarz, Caiden Brown from Texas, Aminah Ali from Texas, Jesse Peddycord Contreras from Varsity Wild Card 4 in North Dakota, Samuel Steele from Kansas, and Jesse Taylor from Kansas. Bailey Bennett and Anunya Madhavaraman—both from Georgia—were JV (middle school) winners. Each recipient received a $100 cash prize.

Winners in the Norton Identity Theft essay contest were Kaitlyn Johnson, Reyna Brown Muhammad from Alabama, Joe Rutledge from Georgia, Allie Higgins from Idaho, and Alison Thompson from Wisconsin. Each received a $1,000 scholarship for their winning essays providing solutions to identity theft.

Johnson & Johnson Consumer Inc. sponsored five scholarships which were awarded to students who impacted their communities with presentations and social media campaigns about OTC medicine safety. Winners were Emma Bayer of Norton Wild Card 2 in Georgia, Bryan Cabrera Icte from Delaware, Luis Felipe del Solar from Louisiana, Seth Moon from Georgia, and Kianna Siebert.

The LifeSmarts Team Spirit Award went to Calhan High School. The team from Colorado demonstrated outstanding camaraderie and great sportsmanship throughout the four-day championship.

The social media awards for most engaged on Instagram and our new meme contest were very popular among the students. The best meme went to Alyssa Harmon from Norton Wild Card 8. The Instagram winners were Amelia Gindorf from Arizona, Jada Sturdivant from Alabama and Autumn Negen from the Norton Wild Card 8 team. Each team also created a t-shirt and votes for the People’s Choice were collected on Instagram with that award went to the Washington team. The judge’s selections were Alabama and Oklahoma.

Sponsors of the 2023 National LifeSmarts Championship are as follows:

Platinum: Amazon, Johnson & Johnson Consumers Inc., Norton

Gold: Discover, Tide

Silver: Comcast, FICO, Melaleuca, Meta, P&G, Toyota

Bronze: American Express, JPMorgan Chase, UL Standards & Engagement, WSECU

At Sunday’s closing ceremony, NCL also announced that the 2024 National LifeSmarts Championship, which marks the program’s 30th anniversary, will take place in San Diego, California.

To learn more about LifeSmarts, visit www.lifesmarts.org.

About LifeSmarts

LifeSmarts is a comprehensive consumer education program that is free to middle school and high school students and educators. The goal of the LifeSmarts program is to create consumer-savvy young people who will be better equipped for adult life in today’s complex, global marketplace. Visit LifeSmarts.org for more information. LifeSmarts: Learn it. Live it.

About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit nclnet.org.

Cincinnati to host 2023 National LifeSmarts Championship event April 27-30

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Apr 25, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, DC — The 29th National LifeSmarts Championship, the youth consumer education program of the National Consumers League, kicks off this Thursday, April 27, at the Hilton Cincinnati Netherland Plaza, a National Historic Landmark in downtown Cincinnati. The four-day annual event hosts students from across the United States competing for prizes while showcasing their knowledge of real-life consumer issues that focus on the five content areas: personal finance, consumer rights, technology and career readiness, health and safety, and the environment.

Each year, LifeSmarts competitors answer more than 3.5 million consumer questions about credit reports, recycling, nutrition, social media, state lemon laws, and everything in between. Students are quizzed on their knowledge of these subject areas during online competition. Top-performing teams then advance to statewide competitions, and state champion teams—as well as several wildcard teams—advance to the national championship held each year in a different American city.

This year’s competition in Cincinnati will feature 42 teams representing 30 states and the District of Columbia, 14 wild card teams, and 28 state champions. NCL is also pleased to announce the special initiative to bring 10 teams from Title 1 schools to this year’s championship.

Click here for more information on this year’s National LifeSmarts Championship.

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About LifeSmarts
LifeSmarts is a comprehensive consumer education program that is free to middle school and high school students and educators. The goal of the LifeSmarts program is to create consumer-savvy young people who will be better equipped for adult life in today’s complex, global marketplace. Visit LifeSmarts.org for more information. LifeSmarts: Learn it. Live it.

About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit nclnet.org.

LifeSmarts announces expanded partnership with Discover® Student Loans

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April 3, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

During Financial Literacy Month, LifeSmarts, a teen consumer literacy education program, is expanding lessons to help high school students prepare to get the most out of their post-secondary education.

Washington, DC – The 29th National LifeSmarts Championship is on the horizon for the National Consumers League’s (NCL) youth consumer education program. Through LifeSmarts, students learn about real-life consumer issues and compete to win prizes and scholarships at the National LifeSmarts Championship in April each year. To highlight the start of Financial Literacy Month in April, NCL is proud to announce an expansion of lessons on financial aid and financing a post-secondary education and a new lesson about choosing a college major, made possible by Discover Student Loans.

From April 27-30, 2023, high school students from across the country will meet in Cincinnati, OH, to compete in the annual event. The competition takes place over four days during which students will showcase their knowledge of personal finance topics, as well as consumer rights, technology and career readiness, health and safety, and the environment.

LifeSmarts prepares students for life after high school, including guiding students to consider post-secondary education options, and understanding how their choices will impact their readiness for the careers they wish to pursue. LifeSmarts is active in all states and the District of Columbia, where NCL is headquartered.

Thanks to this partnership with Discover Student Loans, LifeSmarts is expanding upon financial aid lessons created in 2022 and featuring student loan questions throughout the National Championship. In addition, next fall a new lesson will help high school students choose a college major using tools available via the website College Covered. CollegeCovered.com was created by Discover Student Loans to provide students, parents and high school counselors with the know-how to plan and pay for college. The website offers a variety of resources and tips for each step of the college planning process.

“We are pleased to work with Discover Student Loans to help our students learn about all aspects of post-secondary education,” said National Program Director Lisa Hertzberg. “We are especially gratified to expand our educational materials to help students consider their own path and the coursework that will set them up for future success.”

Last year, students answered more than 3.5 million consumer questions about financing post-secondary education, credit reports, nutrition, social media, and everything in between. More than 110,000 students used LifeSmarts materials in their classrooms and extracurricular activities.

“Each year, LifeSmarts brings new opportunities for high school students to learn invaluable information to prepare them for life beyond high school,” says NCL President Sally Greenberg. “Too often, traditional high school curriculum fails to teach students vital information to become successful adults, and LifeSmarts helps to close that gap with lessons that now include choosing a college major.”

“Our expanded partnership with LifeSmarts allows them to add more real-world lessons addressing important topics like financing a college education,” said Nicole Straub, Senior Vice President for Discover Student Loans. “Having a better understanding on how to pay for college sets students and their families up to make smarter financial decisions for their future.”

Discover Student Loans also offers a scholarship opportunity for students and parents. Throughout the year, 12 eligible students or parents will be randomly selected to win a $5,000 Discover Student Loans Scholarship Award to help cover college expenses. Students and parents can click here to enter to win this $5,000 scholarship. Drawings held monthly. No purchase or loan necessary to enter or win.

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About LifeSmarts

LifeSmarts is a comprehensive consumer education program that is free to middle school and high school students and educators. The goal of the LifeSmarts program is to create consumer-savvy young people who will be better equipped for adult life in today’s complex, global marketplace. Visit LifeSmarts.org for more information. LifeSmarts: Learn it. Live it.

About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit nclnet.org.

New research reiterates the need for consumer caution, federal protection related to marijuana companies misleading claims

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March 13, 2023

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, 202-823-8442

Washington, D.C. – Data Science Solutions, LLC, in partnership with NCL, today released new research that dives into false or misleading medical claims made by several leading marijuana companies on their social media platforms. The analysis qualitatively observes how these claims are framed to appeal to consumers, determines the reach of their messaging, and identifies policy solutions to help increase state and federal regulatory and enforcement action to end false – potentially harmful – marketing.

“Consumers should understand what they’re up against when perusing social media,” said Sally Greenberg, Executive Director of the National Consumers League. “Twitter in particular may be viewed as a more trustworthy platform and licensed marijuana companies will often site reliable academic institutions or studies in a misleading way. These companies use Twitter to target consumers and declare that their products can help address, even treat, health issues from ‘pain’ to neurological diseases, even cancer. However, these claims are not backed by sound, clinical research – though the data is lacking at best, companies don’t let that stop them from trying to profit.”

The FDA, FTC, and Congress can do more to protect consumers and hold these companies accountable. The paper urges Congress to “encourage FDA and FTC to expand their enforcement against therapeutic claims made by cannabis companies and provide the necessary resources for the FDA to conduct effective oversight of marijuana-related health claims on social media platforms,” And recommends FDA begin using automated tools to monitor cannabis companies’ social media posts efficiently and effectively.

“Consumers deserve better,” said Greenberg. “These companies can and should market their products in an honest way and put consumer health over profits. Investing in thorough research so that we may better understand the true therapeutic potential of marijuana would be a win-win for all.”

To learn more about the risks of unregulated cannabis products, visit cannabiswatch.org.

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About the National Consumers League (NCL)
The National Consumers League, founded in 1899, is America’s pioneer consumer organization.  Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad.  For more information, visit nclnet.org.

NCL Executive Director testifies before the DC Council in support of the Sunshine in Litigation Act

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December 9, 2022

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, 703-298-2614

WASHINGTON, D.C. – Sally Greenberg, NCL’s Executive Director, testified before the D.C. Council Committee on Judiciary & Public Safety yesterday to express support for the “Sunshine in Litigation Act of 2022.

Read her full testimony here.

Coalition of consumer organizations urge supermarket industry to address “digital discrimination”

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November 17, 2022

Media contact: National Consumers League – Melody Merin, melodym@nclnet.org, (703) 298-2614

This week a coalition of national consumer organizations urged leading supermarket chains to offer alternatives to digital-only discounts. Currently, many senior citizens and lower-income shoppers cannot take advantage of digital-only discounts due to smartphone or internet inaccessibility.

In the past couple of years more and more weekly specials advertised by some supermarkets for meat, fish, poultry, produce, and store-brand items are digital-only deals. They typically require shoppers to first go online to electronically “clip” the offers to add them to their loyalty card account to be charged the sale price in the store.

Because 25 percent of seniors don’t use the internet and 39 percent don’t have smartphones, according to a 2021 study by the Pew Research Center, they are effectively shut out of these deals. Similarly, 43 percent of low-income households lack broadband internet access.

The consumer groups suggested multiple ways that supermarkets can offer an offline alternative to digital-only deals to accommodate both the digitally-disconnected and the digitally-challenged shoppers, which include: 

  •  Utilizing barcoded “clip or click” store coupons in store circulars so the customer can choose their preferred redemption method (e.g., Vons and The Giant Company).
  • Empowering cashiers to charge the digital price upon request.
  • Offering physical store coupons next to digital-only deals for those who did not/could not electronically “clip” the offer (e.g., H-E-B).

The letter to supermarket executives was sent on November 15 to the following chains: Kroger, Albertsons, Stop & Shop, Star Market/Shaw’s, Ralphs, QFC, Jewel Osco, Randalls, Fred Meyer, King Soopers, Smart & Final, and Safeway.

Consumer Action, Consumer Reports, Consumer World, National Consumers League, and U.S. PIRG are the consumer organizations pressing supermarkets to expand the way they offer digital-only deals.

The full letter can be viewed here.

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About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.

Debt cancellation is not Biden’s only aid to borrowers

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By Eden Iscil, Public Policy Associate

If you’ve got student loans like I do, you were probably waiting on President Biden’s student debt cancellation since January 6, 2021. And in late August, President Biden delivered on this promise and announced up to $20,000 in relief for borrowers. While the one-time debt relief has dominated headlines (and rightfully so), Biden’s Department of Education (ED) has implemented a few other noteworthy changes to the federal student loan system—reforms that could save thousands of dollars for millions of borrowers.

Here is a brief (and non-exhaustive) overview of recent modifications to US student loan infrastructure that consumers should keep in mind.

One-Time Debt Cancellation

The application for one-time debt relief is live and can be accessed at https://studentaid.gov/debt-relief/application. The process is 100% free and it takes less than five minutes to complete. This is the only website to which consumers should be providing information to receive debt cancellation. Filers do not need to go digging for old forms, IDs, or income receipts as the only information the application requires is name, date of birth, email, and Social Security number. The ED may contact select borrowers to verify eligibility or request further information, but unless you are contacted, you are good.

Borrowers who earn less than $125,000 a year are eligible for up to $10,000 in debt relief on federally held student loans. This amount increases to $20,000 in cancellation for Pell Grant recipients. Student loans eligible for cancellation must be held by the federal government and disbursed on or before June 30, 2022.

Student loans eligible for Biden’s debt cancellation include:

· Federal Direct Loans (including Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, Direct parent PLUS Loans, and Direct Consolidated Loans)

· Federal Family Education Loans (FFEL) held by ED

· Federal Perkins Loans held by ED

· FFEL and/or Perkins loans that were privately held but the borrower applied for these loans to be consolidated into a US ED consolidation loan before September 29, 2022

Student loans not eligible for the federal, one-time debt cancellation include:

· FFEL loans not held by ED

· Perkins Loans not held by ED

· Federal loans that were consolidated into a commercial loan

· Student loans held by a private lender

· Student loans held by a state government

Refunds for Loan Payments Made During the Pandemic

If you had paid off your federal loan balance after the pandemic began, you can request a refund for those payments to receive your debt relief. This should be done before applying for the debt cancellation. Also, this should only be done if you paid off your entire balance and would otherwise be unable to claim debt relief. If you still have an outstanding balance equal to or greater than the amount of debt cancellation you are eligible for, you likely do not want to request a refund for your payments.

To get your money back, call your loan servicer directly to ask for a refund on payments you made since March 13, 2020. You should figure out the specific amount of money you are requesting back before contacting your servicer. Additionally, you should have your payment confirmations and receipts nearby throughout this process to ensure that you get a refund for every payment that you want refunded. Then, you should apply for the one-time debt cancellation.

Will Debt Relief Be Taxed?

The one-time debt relief will not be taxed by the federal government, thanks to a provision within the 2021 American Rescue Plan. States, however, can tax debt cancellation as income. This is something that a small number of states have weirdly said they intend to do, while a handful of others may also end up taxing their residents on debt relief by failing to pass legislation in time to exempt the debt cancellation. Most states though will not tax the relief for borrowers.

Federal Payment Pause Ending

President Biden coupled the sweet with the sour by announcing the end of the federal payment pause on student loans alongside the debt cancellation. Since early 2020, student borrowers have not had to pay a cent toward their federal student loans. Now, that payment pause (AKA administrative forbearance) is set to expire on December 31, 2022, it is unclear what the impact will be of an added monthly expense to tens of millions of borrowers (especially as recession worries grow). The two-and-a-half-year pause made clear that these payments are not necessary—Biden, there’s still time to change your mind!

A New Income-Driven Repayment Plan

While receiving a significantly lesser share of the headlines, the new income-driven repayment (IDR) plan will have a significant impact. As opposed to standard repayment plans, which are calculated only from the principal loan balance, the interest rate, and the length of repayment, ED’s IDR plans put a cap on a borrower’s monthly payments proportional to the borrower’s income. Although a few IDR plans have been available for some time, President Biden’s newly announced IDR plan includes enhanced provisions to help prevent debt from becoming unmanageable.

The new IDR plan will place a payment cap at 5% of a borrower’s discretionary income (half of the previous 10%). Additionally, it will raise the threshold for non-discretionary income to 225% of the federal poverty level (the equivalent of $15/hr); borrowers earning less than this amount will not have to make a monthly payment. Furthermore, borrowers with original loan balances of $12,000 or less will have their debt wiped out in 10 years of enrollment in this IDR plan. Lastly, if monthly payments are made, the ED will cover the added interest, ensuring that borrowers’ outstanding balance does not grow, even if their monthly payment is $0 due to their income level.

To enroll in the new IDR plan when it becomes available, or to switch to any of the four existing ones, visit https://studentaid.gov/idr/.

Fresh Start for Borrowers in Default

When the federal payment pause ends on December 31, 2022, the federal government will open their Fresh Start program for one year, allowing borrowers who were previously in default to enter repayment in good standing. The program will not require anything like a lump sum payment or consolidation, but it will remove the many penalties associated with default, such as wage garnishment and the denial of further student aid.

More details on how to enroll when this program opens on January 1, 2023 can be found at https://studentaid.gov/freshstart.

LifeSmarts announces partnership with FICO

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During Financial Planning Month, LifeSmarts, the National Consumers League’s teen consumer education program, has introduced a new lesson focused on credit scores and establishing credit.

October 3, 2022

Media contact: National Consumers League – Katie Brown, katie@nclnet.org, (202) 207-2832

Washington, D.C.— The National Consumers League’s (NCL) youth consumer education program, LifeSmarts, kicked off its 29th year in September 2022. Through LifeSmarts, students learn about real-life consumer issues and compete to win prizes and scholarships at the National LifeSmarts Championship in April each year. October is both Financial Planning Month and the month in which LifeSmarts students focus on personal finance. To kick off the month, NCL is proud to announce a new lesson about credit scores and how to establish credit, made possible through support from FICO and the FICO® Score, the credit score used by 90% of top lenders.

Beginning today, the 125,000 students and 3,000 educators from across the country who participate in LifeSmarts will have access to lessons and activities from FICO’s new Score A Better Future (SABF) Fundamentals program, a credit education curriculum developed for high school students. These lessons will provide students with a firm understanding of credit scores and how to establish and maintain good credit histories throughout their lives.

Thanks to the FICO SABF Fundamentals program, LifeSmarts has created a new lesson on credit scores, with questions that will be featured throughout competition, culminating with the National LifeSmarts Championship in April 2023. New lessons and competition questions are being integrated into the 2022-23 program year.

“We are pleased to work with FICO to help our students and educators learn more about credit reporting and credit scores,” said National Program Director Lisa Hertzberg. “LifeSmarts gives students the skills they need to succeed as adults, and we see students applying what they learn immediately at home and in their communities. We are thrilled to offer this focus into a critical aspect of personal finance, and we look forward to rolling out new resources for educators and opportunities for student participants.”

LifeSmarts is active in all states and the District of Columbia, where NCL is headquartered.

“We are excited to have the opportunity to focus on personal finance for consumers at this age when they are beginning to make decisions for themselves and influencing decisions made by their parents,” said Sally Greenberg, executive director of NCL. “Too often, traditional high school curriculum fails to teach students vital information to become successful adults, and LifeSmarts helps to close that gap.”

“Financial literacy is vital because it’s the foundation to helping students make smart decisions when they navigate their financial futures,” said Joanne Gaskin, vice president of Scores and Analytics at FICO. “Our team created Score A Better Future Fundamentals program to provide valuable free credit education that readies young adults to confidently take control of their financial health.”

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About LifeSmarts

The goal of the LifeSmarts program is to create consumer-savvy young people who will be better equipped for adult life in today’s complex, global marketplace. Visit LifeSmarts.org for more information. LifeSmarts: Learn it. Live it.

About the National Consumers League (NCL)

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.

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Cumberland Valley High School team from Pennsylvania takes 2022 National LifeSmarts Championship in Washington, DC

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April 26, 2022

Contact: National Consumers League, Katie Brown, (202) 207-2832, katie@nclnet.org

Washington, DC—The Varsity Wild Card 2 team from Cumberland Valley High School coached by Anne Marie Miller, was crowned the 2022 National LifeSmarts Champions in Washington, D.C. last week. In a close match against the team from Montgomery High School in New Jersey, the teens from the Cumberland Valley High School outplayed their opponents in an exciting end to the four-day competition.

2022 Team members include: Captain Anaya Kurup, Owen Reeves, Zade Elamir, David Cameron, and Derek Works. New Jersey finished in second place, and teams from Idaho and Wisconsin tied for third.  Fourth place team honors went to state champions from North Carolina, Arizona, Washington, and Varsity Wild Card 1 from North East High School in Pennsylvania.

“We are so proud of these students from Pennsylvania, this is the first time a Wild Card team has taken the championship,” said LifeSmarts Program Director Lisa Hertzberg. “They played hard and demonstrated their consumer smarts throughout the four-day event. They are true LifeSmarts champions.”

LifeSmarts is an education and scholarship program run by the Washington, DC-based National Consumers League (NCL), the nation’s oldest consumer advocacy organization. It competitively tests high school students’ knowledge of consumer awareness, with subjects including personal finance, health and safety, consumer rights and responsibility, technology and workforce preparation, and the environment. LifeSmarts is available in all 50 states, the District of Columbia, and in partnership programs with student leadership programs FBLA, 4H, FCCLA and SkillsUSA.

Each of the students on the first place teams receives a $1,500.00 scholarship, second place team members receive $1,000.00 scholarships and third place team members receive $750 scholarships.

Fourth place team members received gift cards.

Teens from each of the 38 champion teams represented at nationals competed as individuals, and the top five scorers received scholarships from NCL. This year’s winners were:

The 2022 winners in the Individual Category Assessments receiving a $500 scholarship were:
Environment: Catherine Feng from New Jersey
Personal Finance: Lucas Carver from Pennsylvania
Health and Safety: Julissa Freeman from Alabama
Consumer Rights and Responsibilities: Kyle Kintz from Pennsylvania
Technology and Workforce Preparation: Grace Ren from New Jersey

Clayton Adams from 4-H Wild Card team 1 from Madison County 4-H in Georgia, and Melissa Fraga from Florida’s Leto 4-H Gold team were honored as the 2021-2022 LifeSmarts Students of the Year.

LifeSmarts Coaches of the Year Awards went to Linda Huebner from FCCLA Wild Card 3 in Bartlett, Texas and Greg Henning of Varsity Wild Card team 1, North East High School in Pennsylvania.

Kim Edmonds from Virginia was named LifeSmarts State Coordinator of the Year.

Co – state coordinator of the year is Cherry Dale, Virginia Credit Union – Financial Education Director.

The Sarah Weinberg Memorial Scholarship, given each year to a student who demonstrates an extraordinary commitment to community service, was awarded this year to Sadie Heckert of Neligh Junior/Senior High School from Nebraska.

Johnson & Johnson Over the Counter Medication Mentor $1000 scholarships were awarded to students who participated in the health and safety-related youth mentoring program sponsored by LifeSmarts and Johnson and Johnson. Honorees were: Wheaten Smith from Arizona, Alyssa Goldman from Madison County 4-H in Georgia, Alexis Johnson from SkillsUSA Wild Card in Wyoming, Abigail Olstrup from Texas, and Angie Jacobo from Illinois.

The UL Be Safe Buy Real Digital Poster contest winners were: Jackson Miller, Arizona; Gabrielle Alljets, Colorado; Alex Runyan form Georgia; Sean Slattery from Illinois; Miles Flack from Minnesota; Levi Frisbie from Missouri; Aspen Busby from Texas; Abigail Olstrup from Texas; Michaela Joy Patterson from Texas; and Max Butler from Virginia.

NortonLifeLock Identity Theft Essay Contest winners were Julissa Freeman from Alabama, Sara Abernathy from Georgia, Alison Sporleder from Missouri, Tommy Wild from North Carolina, and Suzette Mejia from SkillsUSA Wild Card in Wyoming.

The Spirit of LifeSmarts Team Award, in honor of the late North Dakota Attorney General Wayne Stenehjem, was awarded to Sunrise Christian Academy in Kansas.

Seventy graduating seniors were presented with LifeSmarts Honor Cords to wear at their upcoming high school graduations and were welcomed as new LifeSmarts alumni. Additionally, several alumni assisted in various roles throughout the event.

Many teams competed in the February TeamSmarts Capstone quiz. Each of these teams earned a $100 cash award for their high scores.
The Varsity winner is Tescott High School in Kansas; the FBLA winner is UDHS_GormanBroker from Upper Dublin Senior High School in Pennsylvania; the FCCLA winner is Thedford High School FCCLA in Nebraska; and the 4-H winner is WYSIWYG from Hnerico County 4-H in Virginia.

Teams from 12 states submitted designs for this year’s t-shirt contest. This year’s judge’s awards went to 4-H Wild Card 3 – Columbia County 4-H from Georgia, Indiana, and the the People’s Choice t-shirt award went to Washington.

Missed the excitement? You can still watch the exciting final day of competition here.

All winners at the national LifeSmarts Competition received valuable prizes donated by sponsors to the National Consumers League, including scholarships, savings bonds, gift cards, and more.

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About LifeSmarts and the National Consumers League

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: www.lifesmarts.org, email lifesmarts@nclnet.org or call the National Consumers League’s communications department at (202) 835-3323.

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.