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The US Department of Education has been notifying approximately 164,000 federal student loan borrowers about their eligibility for automatic student loan forgiveness. This move comes after allegations of misconduct against more than 150 colleges, including misrepresentation of graduation rates, post-graduation employment, and the cost of degrees.Borrowers whose colleges engaged in such misconduct can apply for loan discharge. The Guardian is seeking to hear from individuals who have successfully had their student loans forgiven. We are interested in understanding how this development will impact their lives, what new plans they will make, and what advice they have for other borrowers.Share your experience with The Guardian using their online form. The form allows for anonymous submissions and includes fields for name, location, background information, and details on how the loan forgiveness affects their life and future plans.If you’re having trouble using the form, click here. Read terms of service here and privacy policy here.

Households in Great Britain are bracing for a substantial hike in energy bills, with a typical gas and electricity bill forecast to reach £1,929 a year from July. This represents an increase of about £290 a year under the industry regulator Ofgem's quarterly price cap. The forecast hike is £288 a year higher than the £1,641 cap on energy bills set for April to June. Although the April price cap will be £117 a year, or 7%, lower than the January to March rate of £1,758, the short-lived reprieve from rising gas and electricity costs is expected to be more than offset by a string of rises facing households in the spring. The annual cost of essentials, including council tax and water, will increase by more than £200 from April even before the economic impact of the Iran war is felt by UK consumers. Most households in England and Wales will see an increase of about 5% in their council tax, while in Scotland bills will go up by between 4% and 10%. In Northern Ireland, rates are due to increase between 1.96% and 4.5%. Water bills in England and Wales are also due to rise, by an average of £33 a household from April, up 5.4% to £639. The cost of phones and broadband are expected to rise by an average of £39.60 for an annual bill and £27.60 for a typical mobile contract, according to Uswitch. Senior government ministers are expected to discuss the economic turmoil caused by the war at a Cobra meeting on Tuesday, after meeting with business leaders to discuss how the government and private sector can work together to respond to the crisis caused by surging oil market prices. The international oil benchmark rose 4% to more than $118 a barrel on Tuesday as Donald Trump said countries such as the UK should build up the “courage” to go to the strait of Hormuz and “just take” fuel. Experts fear that Brent crude could reach all-time highs of $150 a barrel if the conflict continues. “Bills going up again because of war thousands of miles away will be a tough pill to swallow for households still saddled with debt from last time,” said Jess Ralston, the head of energy at the Energy and Climate Intelligence Unit. “Unless we continue [to] shift away from gas, whether it comes from the North Sea or not, the risk remains that bills will continue to spike,” Ralston added.

After clinching the 2026 Asian Cup in Australia, 35‑year‑old defender Saki Kumagai was asked to rank the trophy among the many she has collected over a 17‑year career. She smiled, shook her head and said, “I never compare my titles… this team is from a different generation, so winning this tournament means a lot.” Kumagai is the sole remaining player who lifted the Women’s World Cup in 2011 – the first and only Asian nation to do so. At 21, she scored the decisive penalty in the shoot‑out against the United States, a victory that came just months after the devastating earthquake and tsunami that struck Japan. Today, the squad she captains features teenagers who were toddlers when she made history: forward Maika Hamano was seven, centre‑back Toko Koga five, and top scorer Riko Ueki twelve when Kumagai’s winning penalty was replayed on TV. Kumagai admits she offers little direct advice, but she leads by example, saying, “I try to pass the baton to the next generation to show them how to perform in these moments.” The transition is no accident. In 2005 the Japanese Football Association unveiled a 50‑year vision aimed at expanding participation, climbing FIFA rankings and eventually hosting – and winning – a World Cup. Halfway through that plan, Japan now sits fifth in the FIFA women’s rankings, having added an Olympic silver medal (2021), a second World Cup final (2015), and three Asian Cup titles (2014, 2018, 2026) to its résumé. While the men’s game has progressed more slowly, the women’s side has surged ahead, bolstered by the launch of Asia’s first full‑time professional women’s league in 2021. This structural backbone has produced a squad “propelled by young stars,” as Kumagai notes. Currently playing for the London City Lionesses after spells at Olympique Lyonnais, Bayern Munich and Roma, Kumagai sees herself as a bridge between eras. She hopes her experience will help Japan reclaim the sport’s summit. “We have a lot of good young players,” she says. “They have confidence, they’re gaining experience in Europe, and as an experienced player I want to create a supportive environment for them.”

New legislation takes effect on 31 March 2026 as the UK government rolls out the Simpler Recycling framework, requiring every council in England to provide distinct collections for food & garden waste, paper & card, all other dry recyclables (glass, metal, plastic, cartons) and residual waste. This uniform approach replaces the historic “postcode lottery” of waste services, applying to all households – including flats and communal properties. Recycling performance: England’s municipal recycling rate has plateaued at ~44% for several years, well below Wales (57%) and Northern Ireland (≈50%). The government’s ambition is a 65% recycling rate by 2035, a target that will require substantial behavioural and infrastructure shifts. Environment minister Mary Creagh confirmed that councils have received a notable budget increase for 2026 to support the rollout. How collected material is processed: Once gathered, waste is taken to Materials Recovery Facilities where magnets, optical scanners and air jets separate streams into paper, plastics, glass and metals. These are then baled and sent to reprocessors for conversion into new products. Approximately 50% of the UK’s recycled plastic is exported, mainly to Turkey, the Netherlands and Malaysia. This export trend has drawn criticism for undermining the domestic recycling sector, which industry estimates could generate £2 billion in revenue and support around 5,000 jobs. In the past two years, 21 plastic‑recycling facilities have closed, citing low virgin‑plastic prices, competition from cheap Asian imports and the scale of exports. By contrast, the UK still lacks a ban on plastic‑waste exports to developing nations, a policy the EU has already adopted. Paper and cardboard recycling also relies heavily on overseas processing, with 3.4‑4.3 million tonnes shipped abroad each year. Food waste collection overhaul: The most visible change is the introduction of free, weekly food‑waste collection for every household. Residents will receive a small kitchen caddy and a larger outdoor bin. When separated, food waste can be fed into anaerobic digestion facilities to produce renewable energy and bio‑fertiliser, reducing landfill‑derived methane – a greenhouse gas over 80 times more potent than CO₂. The policy is also expected to raise public awareness of personal waste generation, encouraging more responsible disposal habits. Implementation timeline: While all councils must standardise dry‑recycling collections by 31 March, a transitional arrangement allows 31 councils to delay the start of weekly food‑waste collection beyond the initial Tuesday. Contamination risks: Mixing biodegradable or compostable plastics with conventional recyclable plastics can contaminate entire batches, rendering them unrecyclable. Similarly, placing paper or cardboard in residual waste diverts it to landfill or incineration, increasing greenhouse‑gas emissions. Toothpaste tubes have historically been problematic, but a Wrap‑led initiative now makes most tubes 100% recyclable. Consumers can verify local acceptance via RecycleNow, and Boots stores also collect used tubes for recycling.

Arsenal manager Thomas Tuchel has defended Declan Rice and Bukayo Saka over their withdrawals from the England squad, citing '100% trust' in their integrity. The players were absent due to discomfort after the Carabao Cup final against Manchester City.Rice and Saka reported for training but continued to feel discomfort, prompting them to stand down. Tuchel emphasized that the pair wanted to be involved but were clearly uncomfortable. He understands the optics of multiple Arsenal players being unavailable or withdrawing from international duty but stressed his trust in Rice and Saka's honesty.The withdrawals come amid a busy schedule for Premier League clubs, which Tuchel sees as a threat to England's World Cup hopes due to player fatigue. He noted that scans on Noni Madueke's knee were 'slightly better than his feeling but he will be out for some days'.Jude Bellingham will not play against Japan as he recovers from a hamstring injury, while Jordan Henderson is unlikely to feature after following an individual program.

The impending retirement of millions of small business owners, primarily from the baby boomer generation, poses a significant challenge for the US economy. According to the Small Business Administration, there are approximately 33 million small businesses in the US, but fewer than 7 million employ people. The rest are often solo operations or side gigs with little to no value if the owner were to suddenly disappear. Many small business owners, like the author, operate in a service-based economy, which accounts for 77% of US GDP. These businesses are often built around the owner, with no hard assets to sell, making them unattractive to potential buyers. The author's own business is a prime example, with no valuable assets, a virtual office, and remote employees. A recent McKinsey report predicts a "great ownership transfer" over the next 10 years, with as many as 6 million small and midsize American businesses changing hands. However, without intentional action, many viable small businesses may close rather than transfer ownership. So, what are the options for these business owners? They could hand down the business to their kids, but this only works if the kids are interested and capable. Another option is to build an actual business with value by changing billing models, enforcing contracts, and creating a sustainable brand. However, this approach can be exhausting, especially for older business owners. A more practical approach for service business owners is to build cash and save for retirement. The author has been pulling profits out of their company and saving, planning for retirement through their savings rather than their business. This transition presents a great opportunity for younger entrepreneurs, who could partner with or purchase businesses from older owners, leveraging their existing operations, customers, and relationships to make improvements and grow the business.

Harry Enfield, known for his portrayal of King Charles in The Windsors, presents a comprehensive review of his career in this Audience With … event. The show is a chronological journey through his 40-plus years in comedy, featuring a vast array of personae, catchphrases, and showbiz anecdotes.Enfield's iconic characters, such as Stavros and Loadsamoney, are revived, along with his DJ alter ego Dave Nice, now a right-wing podcaster. The show also includes fresh sketches and performances of his favorite old sketches, like Mr Cholmondley-Warner and Wayne and Waynetta Slob.The comedian's ability to distill personalities and social types into telling tics, speech patterns, or catchphrases is remarkable. He shares engaging background details and biographical snippets, including stories about his family and celebrity encounters with Whitney Houston, Nelson Mandela, and a drunken session with Paul McCartney and George Harrison.This touring show is a treat, offering a trip down memory lane and showcasing Enfield's enduring comedic talent. He solidifies his claim as the head of our comedy state, with a performance that is both nostalgic and engaging.Harry Enfield is set to tour with his show, with upcoming dates at G Live, Guildford, and the Forum, Bath.

The first signs of spring are emerging on Dartmoor, with the sun's warmth bringing life to the granite landscape. A young naturalist, Henry, ventures out onto the moor, binoculars in hand, to catch a glimpse of returning migrants. As he scans the valley, he's rewarded with the sight of a wheatear, one of the first birds to return to the UK after spending winter in sub-Saharan Africa. The wheatear's distinctive white rump, which gives it its name, is a striking feature. The name 'wheatear' originates from an old English phrase, literally translating to 'white arse'. For Henry, spotting this bird is a big milestone, signaling the arrival of spring. As he observes the wheatear, Henry notes its dashingly dressed appearance, with a soft slate grey back, warmer peach-colored chest and stomach, and of course, its notable white rump. The sighting fills him with excitement, as it's a sure sign that spring has finally arrived on Dartmoor.

Speculation surrounding Igor Tudor's position at Tottenham Hotspur has led to Sean Dyche being linked as a potential replacement. However, Dyche has quashed these rumors, stating he is not in talks with the club.During an appearance on talkSPORT, Dyche laughed off the speculation, saying he was having a pint in a London pub when someone approached him about potential talks with Spurs. He responded, 'I’m sat next to you having a pint of Guinness, so it’s unlikely – unless you work for Spurs!'Dyche did, however, praise Tottenham as a 'brilliant club' and acknowledged the pitfalls of being asked about potential jobs while being a manager. He mentioned that when you're a manager, you know you'll get asked about potential positions, and you try to be respectful, especially when it comes to a massive club like Tottenham.Tudor is currently dealing with the death of his father Mario, and Spurs are without a fixture until April 12. The team has struggled recently, with five defeats in seven matches under Tudor, placing his job at risk.