The City Section might have a contender for small-schools basketball success in Sylmar-based Triumph, a charter school that opened in 2010 and is having its best season ever.
The Jaguars, under coach Fabian Avila, have been led by the Garcia brothers, Antonio, a 6-foot-3 senior, and Damian, a freshman point guard.
Antonio was one of the leading scorers in the City Section last season and is averaging 19 points this season.
“He’s very strong and physical,” Avila said.
His brother is averaging 11 points.
Probably the best win for Triumph was over AGBU when Antonio scored 22 points.
Triumph, which has an enrollment of fewer than 400 students, relies on multiple-sport athletes. One of the players is playing basketball and soccer simultaneously.
Avila is in his ninth year and said this is his best team. There are no transfers and all are students from the Sylmar area.
Last season, the team made it to the Division IV semifinals before losing when it was down to five players because of injuries. This season, the roster is at 13 with freshmen helping out.
The school has won one City title — in boys’ volleyball.
The big question is where Triumph will be placed in the playoffs depending on computer rankings.
This is a daily look at the positive happenings in high school sports. To submit any news, please email eric.sondheimer@latimes.com.
SACRAMENTO — Gov. Gavin Newsom on Thursday unveiled a sweeping proposal to overhaul how California’s education system is governed, calling for structural changes that he said would shift oversight of the Department of Education and redefine the role of the state’s elected schools chief.
The proposal, which is part of Newsom’s state budget plan that will be released Friday, would unify the policymaking State Board of Education with the department, which is responsible for carrying out those policies. The governor said the change would better align education efforts from early childhood through college.
“California can no longer postpone reforms that have been recommended regularly for a century,” Newsom said in a statement. “These critical reforms will bring greater accountability, clarity, and coherence to how we serve our students and schools.”
Few details were provided about how the role of the state superintendent of public instruction would change, beyond a greater focus on fostering coordination and aligning education policy.
The changes would require approval from state lawmakers, who will be in the state Capitol on Thursday for Newsom’s last State of the State speech in his final year as governor.
The proposal would implement recommendations from a 2002 report by the state Legislature, titled “California’s Master Plan for Education,” which described the state’s K-12 governance as fragmented and “with overlapping roles that sometimes operate in conflict with one another, to the detriment of the educational services offered to students.” Newsom’s office said similar concerns have been raised repeatedly since 1920 and were echoed again in a December 2025 report by research center Policy Analysis for California Education.
“The sobering reality of California’s education system is that too few schools can now provide the conditions in which the State can fairly ask students to learn to the highest standards, let alone prepare themselves to meet their future learning needs,” the Legislature’s 2002 report stated. Those most harmed are often low-income students and students of color, the report added.
“California’s education governance system is complex and too often creates challenges for school leaders,” Edgar Zazueta, executive director of the Assn. of California School Administrators, said in a statement provided by Newsom’s office. “As responsibilities and demands on schools continue to increase, educators need governance systems that are designed to better support positive student outcomes.”
The current budget allocated $137.6 billion for education from transitional kindergarten through the 12th grade — the highest per-pupil funding level in state history — and Newsom’s office said his proposal is intended to ensure those investments translate into more consistent support and improved outcomes statewide.
“For decades the fragmented and inefficient structure overseeing our public education system has hindered our students’ ability to succeed and thrive,” Ted Lempert, president of advocacy group Children Now, said in a statement provided by the governor’s office. “Major reform is essential, and we’re thrilled that the Governor is tackling this issue to improve our kids’ education.”
Gov. Gavin Newsom on Thursday previewed a major education system overhaul that would give the next governor more authority over state school policies and redefine — and almost certainly diminish — the role of the elected state superintendent of public instruction.
The governor’s office indicated Thursday that major portions of the proposal, to be included in the state budget plan Friday, are based on a December 2025 report from Policy Analysis for California Education (PACE), a nonpartisan center that brings together researchers from Stanford, UC Berkeley, UCLA, UC Davis and USC.
The central aspect of the PACE plan calls for removing the state superintendent as the head of the California Department of Education. Instead, that department would be run by an appointee of the state Board of Education. Members of the state board are appointed by the governor to fixed four-year terms.
The PACE report envisions the “governor as the chief architect and steward responsible for aligning and advancing California’s education system.” According to the report, the “governor could develop long-term plans and use the budget as a strategic lever to advance them.”
A release from the governor’s office asserted that the state’s education system operates as “a fragmented set of entities with overlapping roles that sometimes operate in conflict with one another, to the detriment of educational services offered to students.”
This education initiative, if approved by the Legislature, could prove a defining element of Newsom’s education agenda for his last year in office. He would not get to exercise these new powers, which would fall to his successor.
State Supt. of Public Instruction Tony Thurmond immediately raised concerns, while also praising Newsom’s record on education.
“Gov. Newsom has done an incredible job on education, one of the best governors we’ve had on education … and I think we have been more aligned than any state superintendent and governor in recent times,” said Thurmond, who is running to succeed Newsom as governor. “On this one issue, I don’t think we could be more misaligned.”
Here are the details and why Newsom wants to move forward with this plan.
Who controls what happens in California’s schools?
Authority over education is distributed among different officeholders.
The Legislature passes laws related to education. The governor chooses which to sign. The governor also proposes what to pay for in education through his budget plan. The Legislature can amend the plan and has the responsibility to approve it.
The elected state superintendent runs the state Department of Education and serves as the administrative lead for the state Board of Education. The superintendent does not have a vote on the board. In some areas, he answers to the authority of the state board; in others, he does not.
The governor appoints the state board, which approves the wording of state education policies. The board also approves curriculum and grants waivers to school districts seeking exemptions from state rules.
What is the problem Newsom says he is trying to fix?
The PACE report says the system is too complicated. It’s not clear who is in charge of what and who is accountable for results.
This has not stopped state officials from taking credit for positive developments or favored policies. Both Newsom and Thurmond take credit for creating the new grade of transitional kindergarten for 4-year-olds and for providing two meals at school each day for all students.
Both had a role in supporting and executing that policy, although neither would have happened without Newsom’s favor.
Some parts of the education system are not faring so well. Statewide student test scores and absenteeism rates — although improving — are worse than in 2018-19, before the COVID-19 pandemic. Fewer than half of California students meet state standards in English language arts and math.
As part of its work, the PACE research team conducted interviews with 16 former and current policymakers, researchers and education leaders. Collectively they rated the performance of the state’s education system somewhere between fair and poor when it comes to strategic thinking, accountability, capacity, knowledge governance, stakeholder involvement and systemwide perspective.
What would the state superintendent do under the Newsom plan?
A news release from the governor said his plan would “expand and strengthen the State Superintendent of Public Instruction’s ability to foster coordination and alignment of state education policies from early childhood through post-secondary education.”
Thurmond is not persuaded, based on his review of the PACE report, which would take the Department of Education away from the superintendent.
That report reimagines that state superintendent as a student “champion” who would analyze and report on the effectiveness of the state education system and also take on an advocacy role.
The PACE analysts noted that the Legislature would need to provide funding and staffing for the superintendent, in this new role, to be effective. Thurmond said that even under the current structure, underfunding of the state Education Department limits its effectiveness.
Thurmond said it would make more sense to give the elected state schools leader more authority over education spending and more resources, given that individual’s specific focus on education.
Why not just eliminate the elected state superintendent?
The state’s voters have rejected that option in the past. So have the powerful teachers unions, which have seen the office as a check on the governor’s power and an outpost in which they could campaign to install an ally.
How does this play out politically?
Newsom has taken credit for much in education, including career and mentoring programs, funding for teacher training and expanded community schools, which serve the broader needs of an entire family.
“Just this year, we’ve seen improved academic achievement in every subject area, in every grade level, in every student group,” Newsom said in his prepared State of the State remarks, “with greater gains in test scores for Black and Latino kids.”
He also took credit for state education spending per student at the highest level to date.
But he or his representatives have, at times, distanced himself from Department of Education guidelines that have expanded the rights of transgender students, including, for example, the right of transgender students to play on girls’ sports teams.
California Supt. of Public Instruction Tony Thurmond has concerns about Gov. Gavin Newsom’s proposal to change how the state’s schools are managed.
(Josh Edelson/For The Times)
Under the proposed system, a future governor would be more accountable for these and other policies.
Thurmond said that Newsom’s positive record proves that the governor already is the most powerful official in the state when it comes to education — and that more power does not need to be concentrated in that office.
What is the governance model in other states?
If California were to adopt a model in which the state board appoints the head of the Education Department, “it would align with the plurality of states that follow this governance approach,” the PACE report states.
In 20 states, including Massachusetts, New York, Florida and Mississippi, state boards of education directly appoint their chief state school officers. Twelve states, including California, select their chief state school officer through direct election.
Thurmond countered that even in some states with an appointed superintendent, the role has more authority than the elected superintendent in California.
Former vice presidential contender and current aw-shucks Minnesota Gov. Tim Walz announced this week that he won’t run for a third term, dogged by a scandal over child care funds that may or may not be going to fraudsters.
It’s a politically driven mess that not coincidentally focuses on a Black immigrant community, tying the real problem of scammers stealing government funds to the growing MAGA frenzy around an imaginary version of America that thrives on whiteness and Christianity.
Despite the ugliness of current racial politics in America, the fraud remains real, and not just in Minnesota. California has lost billions to cheats in the last few years, leaving our own governor, who also harbors D.C. dreams, vulnerable to the same sort of attack that has taken down Walz.
As we edge closer to the 2028 presidential election, Republicans and Democrats alike will probably come at Gavin Newsom with critiques of the state’s handling of COVID-19 funds, unemployment insurance and community college financial aid to name a few of the honeypots that have been successfully swiped by thieves during his tenure.
In fact, President Trump said as much on his social media barf-fest this week.
“California, under Governor Gavin Newscum, is more corrupt than Minnesota, if that’s possible??? The Fraud Investigation of California has begun,” he wrote.
Just to bring home that this vulnerability is serious and bipartisan, Rep. Ro Khanna, the Silicon Valley congressman rumored to have his own interest in the Oval Office, is also circling the fraud feast like a vulture eyeing his next meal.
“I want to hear from residents in my district and across the state about waste, mismanagement, inefficiencies, or fraud that we must tackle,” Khanna wrote on social media.
Newsom’s spokesman Izzy Gardon questioned the validity of many fraud claims.
“In the actual world where adults govern,” Gardon said, “Gavin Newsom has been cleaning house. Since taking office, he’s blocked over $125 BILLION in fraud, arrested criminal parasites leaching off of taxpayers, and protected taxpayers from the exact kind of scam artists Trump celebrates, excuses, and pardons.”
What exactly are we talking about here? Well, it’s a pick-your-scandal type of thing. Even before the federal government dumped billions in aid into the states during the pandemic, California’s unemployment system was plagued by inefficiencies and yes, scammers. But when the world shut down and folks needed that government cash to survive, malfeasance skyrocketed.
Every thief with a half-baked plan — including CEOs, prisoners behind bars and overseas organized crime rackets — came for California’s cash, and seemingly got it. The sad part is these weren’t criminal geniuses. More often than not, they were low-level swindlers looking at a system full of holes because it was trying to do too much too fast.
In a matter of months, billions had been siphoned away. A state audit in 2021 found that at least $10 billion had been paid out on suspicious unemployment claims — never mind small business loans or other types of aid. An investigation by CalMatters in 2023 suggested the final figure may be up to triple that amount for unemployment. In truth, no one knows exactly how much was stolen — in California, or across the country.
It hasn’t entirely stopped. California is still paying out fraudulent unemployment claims at too high a rate, totaling up to $1.5 billion over the last few years — more than $500 million in 2024 alone, according to the state auditor.
But that’s not all. Enterprising thieves looked elsewhere when COVID-19 money largely dried up. Recently, that has been our community colleges, where millions in federal student aid has been lost to grifters who use bots to sign up for classes, receive government money to help with school, then disappear. Another CalMatters investigation using data obtained from a public records request found that up to 34% of community college applications in 2024 may have been false — though that number represents fraudulent admissions that were flagged and blocked, Gardon points out.
Still, community college fraud will probably be a bigger issue for Newsom because it’s fresher, and can be tied (albeit disingenuously) to immigrants and progressive policies.
California allows undocumented residents to enroll in community colleges, and it made those classes free — two terrific policies that have been exploited by the unscrupulous. For a while, community colleges didn’t do enough to ensure that students were real people, because they didn’t require enough proof of identity. This was in part to accommodate vulnerable students such as foster kids, homeless people and undocumented folks who lacked papers.
With no up-front costs for attempting to enroll, phonies threw thousands of identities at the system’s 116 schools, which were technologically unprepared for the assaults. These “ghost” students were often accepted and given grants and loans.
My former colleague Kaitlyn Huamanireported that in 2024, scammers stole roughly $8.4 million in federal financial aid and more than $2.7 million in state aid from our community colleges. That‘s a pittance compared with the tens of billions that was handed out in state and federal financial aid, but more than enough for a political fiasco.
As Walz would probably explain if nuanced policy conversations were still a thing, it’s both a fair and unfair criticism to blame these robberies on a governor alone — state government should be careful of its cash and aggressive in protecting it, and the buck stops with the governor, but crises and technology have collided to create opportunities for swindlers that frankly few governmental leaders, from the feds on down, have handled with any skill or luck.
The crooks have simply been smarter and faster than the rest of us to capitalize first on the pandemic, then on evolving technology including AI that makes scamming easier and scalable to levels our institutions were unprepared to handle.
Since being so roundly fleeced during the pandemic, multiple state and federal agencies have taken steps in combating fraud — including community colleges using their own AI tools to stop fake students before they get in.
And the state is holding thieves accountable. Newsom hired a former Trump-appointed federal prosecutor, McGregor Scott, to go after scam artists on unemployment. And other county, state and federal prosecutors have also dedicated resources to clawing back some of the lost money.
With the slow pace of our courts (burdened by their own aging technology), many of those cases are still ongoing or just winding up. For example, 24 L.A. County employees were charged in recent months with allegedly stealing more than $740,000 in unemployment benefits, which really is chump change in this whole mess.
Another California man recently pleaded guilty to allegedly cheating his way into $15.9 million in federal loans through the Paycheck Protection Program and Economic Injury Disaster Loan programs.
There are literally hundreds of cases across the country of pandemic fraud. And these schemes are just the tip of the cash-berg. Fraudsters are also targeting fire relief funds, food benefits — really, any pot of public money is fair game to them. And the truth is, the majority of that stolen money is gone for good.
So it’s hard to hear the numbers and not be shocked and angry, especially as the Golden State is faced with a budget shortfall that may be as much as $18 billion.
Whether you blame Newsom personally or not for all this fraud, it’s hard to be forgiving of so much public money being handed to scoundrels when our schools are in need, our healthcare in jeopardy and our bills on an upward trajectory.
The failure is going to stick to somebody, and it doesn’t take a criminal mastermind to figure out who it’s going to be.
The talent level clearly has hit rock bottom only a year after Alijah Arenas was a McDonald’s All-American at Chatsworth High and Tajh Ariza led Westchester to the City Section Open Division title. Because their parents went to City Section schools, Arenas and Ariza stuck it out. Then Arenas graduated early to join USC and Ariza left for St. John Bosco, then prep school.
Westchester is where Ed Azzam won 15 City titles in 42 seasons until his retirement in 2021. Crenshaw is where Willie West won 16 City titles and eight state titles. Taft is where Derrick Taylor won four City titles and coached future NBA players Jordan Farmar, Larry Drew II and AJ Johnson. Fairfax is where Harvey Kitani coached for 35 years, won four City titles and two state titles and earned most of his nearly 1,000 victories. He was followed by Steve Baik and Reggie Morris Jr., each of whom won City championships before leaving.
None of the City schools once considered among the best in Southern California are even close to resembling their glory days, and they aren’t alone. The City Section has lost most of its talent, and it was truly Hall of Fame talent: Marques Johnson and John Williams at Crenshaw; Gail Goodrich at Sun Valley Poly; Willie Naulls at San Pedro; Dwayne Polee at Manual Arts; Gilbert Arenas at Grant; Trevor Ariza at Westchester; Chris Mills at Fairfax. There were decades of success.
There’s no one person to blame. You can’t even place the downfall solely on the Los Angeles Unified School District, whose high schools compete in the City Section.
But LAUSD has done nothing to reverse the trend and didn’t help matters by opening so many new schools in such rapid fashion that longtime legacy schools lost their luster amid declining student enrollment. Things became even more disruptive by the rise of charter schools and private schools taking away top athletes. Adding to that, the loss of veteran coaches frustrated by bureaucracy issues and rules that force programs to secure permits and pay to use their own gyms in the offseason helped further the exodus.
Westchester is 2-8 this season and an example of where City Section basketball stands. Two top players from last season — Gary Ferguson and Jordan Ballard — are now at St. Bernard. Westchester doesn’t even have a roster posted on MaxPreps. King/Drew won its first City Open Division title in 2024 under coach Lloyd Webster. This season Webster sent his senior son, Josahn, to Rolling Hills Prep to play for Kitani. King/Drew is 4-10.
Charter schools Birmingham, Palisades and Granada Hills have separated themselves in virtually all City Section sports including basketball. They have no enrollment boundaries as long as there’s a seat for a student. Palisades lost so many students after the wildfire last year that transfers have been big additions for its teams this school year. Online courses are being offered to help students enroll and compete in sports at charter schools.
The old powers from the inner city — Crenshaw, Dorsey, Jefferson, Locke and Fremont — experienced big changes in demographics. Many coaches are walk-ons and not teachers. The legacy schools have to compete with charter schools View Park Prep, Triumph, Animo Watts, Animo Robinson, WISH Academy and USC-MAE. When young players are discovered and developed, rarely will they stay when one of the private schools or AAU coaches searching for talent spots them in the offseason.
So what’s left? Not much.
Palisades, Washington Prep and Cleveland look like the three top teams this season. All three added transfers to help buck the downward trend. And yet their records are 3-10, 8-8 and 7-6, respectively, against mostly Southern Section teams.
Maybe this can be a fluke one-year plunge to the bottom and the climb back up can begin, aided by coaches who recognize their job is to teach lessons in basketball, life and college preparation. Parents need a reason to send their kids to a City Section school. It’s up to LAUSD and principals to help change the trajectory by finding coaches with integrity, passion and willingness to embrace the underdog role.
There are plenty in the system doing their best. It’s time to start hearing and answering their pleas for help.
Borrowers to receive wage garnishment notices starting January 7, Department of Education confirms.
Published On 23 Dec 202523 Dec 2025
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The administration of United States President Donald Trump says it will begin garnishing wages from some borrowers who have defaulted on their student loans, marking the first time the federal government has taken such action since the onset of the COVID-19 pandemic.
Affected borrowers will begin receiving notices on January 7, a Department of Education spokesperson told Al Jazeera on Tuesday.
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The policy is expected to initially impact about 1,000 borrowers, and the number is to grow over time.
“The notices will increase in scale on a month-to-month basis,” the spokesperson said.
Al Jazeera asked the department for clarification on how borrowers were selected for the first round of garnishments, how many additional people may be affected and the rationale behind those decisions.
The agency did not clarify but said collections are “conducted only after student and parent borrowers have been provided sufficient notice and opportunity to repay their loans”.
Under federal law, the government may garnish up to 15 percent of a borrower’s take-home pay as long as the individual is left with at least 30 times the federal minimum wage per week. The federal minimum wage is currently $7.25 an hour, a rate that has remained unchanged since July 2009.
About one in six American adults holds student loan debt, which totals about $1.6 trillion. As of April, more than 5 million borrowers had not made a payment in at least a year, according to the Education Department.
The garnishments are planned as economic pressure mounts for many Americans amid rising prices and a cooling labour market. According to consulting firm Challenger, Gray & Christmas, more than 1.1 million people lost their jobs in 2025 as job growth slowed. Federal data also showed mixed employment trends in recent months with job losses reported in October followed by modest gains in November.
In the months of October and November, the unemployment rate increased to 4.6 percent, the highest since 2021, according to the US Department of Labor’s Bureau of Labor Statistics.
“Families are being forced to choose between paying their bills and putting food on the table. The Trump administration’s decision to begin garnishing wages takes even that meagre choice away from student loan borrowers who are living on the brink,” Julie Margetta Morgan, former deputy undersecretary at the Education Department under former President Joe Biden, told Al Jazeera.
“Instead of solving the affordability crisis that’s leaving Americans unable to pay their student loans, the president is further punishing families and forcing them to forgo the very basics.”
In addition to wages, the federal government has the authority to garnish income from tax refunds, Social Security benefits and certain disability payments.
The University of Oklahoma has fired an instructor who was accused by a student of religious discrimination over a failing grade on a psychology paper in which she cited the Bible and argued that promoting a “belief in multiple genders” was “demonic.”
The university said in a statement posted Monday on X that its investigation found the graduate teaching assistant had been “arbitrary” in giving 20-year-old junior Samantha Fulnecky zero points on the assignment. The university declined to comment beyond its statement, which said the instructor had been removed from teaching.
Through her attorney, the instructor, Mel Curth, denied Tuesday that she had “engaged in any arbitrary behavior regarding the student’s work.” The attorney, Brittany Stewart, said in a statement emailed to the Associated Press that Curth is “considering all of her legal remedies.”
Conservative groups, commentators and others quickly made Fulnecky’s failing grade an online cause, highlighting her argument that she’d been punished for expressing conservative Christian views. Her case became a flashpoint in the ongoing debate over academic freedom on college campuses as President Trump pushes to end diversity, equity and inclusion initiatives, and restrict how campuses discuss race, gender and sexuality.
Fulnecky appealed her grade on the assignment, which was worth 3% of the final grade in the class, and the university said the assignment would not count. It also placed Curth on leave, and Oklahoma’s conservative Republican governor, Kevin Stitt, declared the situation “deeply concerning.”
“The University of Oklahoma believes strongly in both its faculty’s rights to teach with academic freedom and integrity and its students’ right to receive an education that is free from a lecturer’s impermissible evaluative standards,” the university’s statement said. “We are committed to teaching students how to think, not what to think.”
A law approved this year by Oklahoma’s Republican-dominated Legislature and signed by Stitt prohibits state universities from using public funds to finance DEI programs or positions or mandating DEI training. However, the law says it does not apply to scholarly research or “the academic freedom of any individual faculty member.”
Home telephone listings for Fulnecky in the Springfield, Mo., area had been disconnected, and her mother — an attorney, podcaster and radio host — did not immediately respond Tuesday to a Facebook message seeking comment about the university’s action.
Fulnecky’s failing grade came in an assignment for a psychology class on lifespan development. Curth directed students to write a 650-word response to an academic study that examined whether conformity with gender norms was associated with popularity or bullying among middle school students.
Fulnecky wrote that she was frustrated by the premise of the assignment because she does not believe that there are more than two genders based on her understanding of the Bible, according to a copy of her essay provided to The Oklahoman.
“Society pushing the lie that there are multiple genders and everyone should be whatever they want to be is demonic and severely harms American youth,” she wrote, adding that it would lead society “farther from God’s original plan for humans.”
In feedback obtained by the newspaper, Curth said the paper did “not answer the questions for the assignment,” contradicted itself, relied on “personal ideology” over evidence and “is at times offensive.”
“Please note that I am not deducting points because you have certain beliefs,” Curth wrote.
Dec. 23 (UPI) — The U.S. Department of Education has signaled that next year it will resume garnishing wages of people who’ve defaulted on their student loans.
The change, reported by multiple news outlets, comes after a years-long respite on garnishment that began as a pandemic-era economic relief measure. The resumption follows other Trump administration efforts to recoup past-due student loan debt.
The department intends to notify about 1,000 borrowers who have defaulted on their debt that it will begin seizing parts of their paychecks, The Washington Post reported Monday. The initial notices will go out the week of Jan. 7, with more going out to borrowers each month, according to the paper.
Roughly 5.3 million borrowers have not made student loan payments, with many having fallen behind before the federal government stopped collecting on defaulted loans nearly six years ago, the Post reported.
A borrower is considered to be in default on their loan when they have not made a payment for more than 270 days. Up to 15% of their pay can be garnished as a result.
After returning to power earlier this year, the Trump administration has sought to undo Biden-era policies meant to ease the burden of student loans on borrowers. The department announced in April that it would again require defaulted borrowers to make payments on their loans and has sought to tighten rules for the Public Service Loan Forgiveness program.
The Trump administration has defended its approach, saying it’s holding irresponsible borrowers accountable for loans that have cost taxpayers billions.
However, the Student Borrower Protection Center criticized the department for resuming garnishments, saying the measure is used without oversight and has been used to unjustifiably seize wages from hundreds of millions during the pandemic.
“At a time when families across the country are struggling with stagnant wages and an affordability crisis, this administration’s decision to garnish wages from defaulted student loan borrowers is cruel, unnecessary, and irresponsible,” Persis Yu, the group’s deputy executive director and managing counsel, said in a statement. “As millions of borrowers sit on the precipice of default, this administration is using its self-inflicted limited resources to seize borrowers’ wages instead of defending borrowers’ right to affordable payments.”
Clouds turn shades of red and orange when the sun sets behind One World Trade Center and the Manhattan skyline in New York City on November 5, 2025. Photo by John Angelillo/UPI | License Photo
