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The Sun
an hour ago
- Automotive
- The Sun
Vinfast showcases the VF 6 right-hand drive for the first time at IIMS Surabaya 2025
SURABAYA, INDONESIA - Media OutReach Newswire - 28 May 2025 - VinFast has announced its participation in the Indonesia International Motor Show (IIMS) Surabaya 2025, where it will feature the largest booth at the event. Significantly, the VF 6 B-segment SUV will be showcased for the first time in Indonesia, expanding VinFast's diverse product portfolio to better serve the country's varied mobility needs. This move marks an important milestone in VinFast's expansion strategy, underscoring its commitment to establishing a strong presence in the Indonesian market. At the exhibition, VinFast will showcase its complete range of electric vehicle models currently available in the market, spanning the most popular segments: VF 3, VF 5, VF 6, and VF e34. At the heart of the display is the VF 6, a B-segment electric SUV officially opened for sales in early May 2025. The VF 6 has a modern, tech-savvy design that is well-suited for a wide range of mobility needs, especially in urban environment. This will be the first public showcase of the VF 6 right-hand drive version, offering visitors a firsthand and engaging experience. The VF 6 is available in two trims – Eco and Plus – with starting prices of 396,995,000 IDR and 451,600,000 IDR respectively (OTR East Java), offering flexible options that cater to the diverse needs and budgets of Indonesian consumers. VinFast continues to apply attractive sales policies for the VF 6, including free charging at VinFast stations (operated by V-GREEN) through March 1, 2028, and an accessory gift package valued at 13,345,000 IDR. During IIMS Surabaya, VinFast is introducing additional limited benefits for VF 6 customers. These include cashback of up to 15,000,000 IDR, along with one year of complimentary comprehensive risk insurance provided by Tugu Insurance for all cash purchases made before June 30, 2025. In collaboration with its trusted financial partner Adira Finance, VinFast is also offering flexible financing solutions across its entire vehicle lineup at IIMS Surabaya. Customers can drive home a VinFast car with an initial payment starting from just 28,020,000 IDR, monthly installments from 3,921,000 IDR, or opt for a 0% interest financing plan. Visitors to the VinFast booth will have the opportunity to participate in a lucky draw for a chance to win special prizes, including a brand-new VF 5. In addition to special sales programs during the launch phase and at the event, VinFast continues to apply an attractive vehicle exchange and buy-back policy, offering up to 90% of the vehicle's value after 6 months and 70% after 3 years for all VinFast models in Indonesia. This policy provides customers with greater peace of mind when choosing a VinFast EV and the flexibility to upgrade their vehicle based on evolving needs. At the event, customers can also explore VinFast's comprehensive green mobility ecosystem, including home and public charging solutions, a smart vehicle management app, and exceptional after-sales services. Mr. Kariyanto Hardjosoemarto, CEO of VinFast Indonesia, shared: 'IIMS Surabaya presents an important opportunity for VinFast to connect with Indonesian consumers, especially in East Java, one of our key target markets. Indonesia is currently one of the markets with the most diverse VinFast product portfolio and is the first market to feature the right-hand drive version of the VF 6. This reaffirms our commitment to providing customers with more sustainable, smart, and practical transportation options.' Surabaya, alongside Jakarta, is one of Indonesia's major economic hubs, with a large population and rising transportation demand. VinFast's presence at IIMS Surabaya is part of its broader strategy to expand its distribution and service network nationwide, bringing its electric vehicles closer to customers across the country. The company has already established 20 authorized service centers, 25 third-party workshop and 22 dealerships in Indonesia, including 7 locations in East Java. Alongside expanding its product lineup, VinFast is steadily developing a comprehensive support ecosystem. In Indonesia, VinFast owners can already enjoy free charging at V-GREEN-operated stations nationwide, to enhance convenience and accessibility. Customers also benefit from industry-leading warranty and aftersales policies, demonstrating VinFast's long-term commitment to the Indonesian market.
Edinburgh Reporter
7 hours ago
- Edinburgh Reporter
Everything You Need to Know Before Visiting Monkey Forest Bali
Nestled in the heart of Bali, the Monkey Forest sanctuary is a haven for nature lovers and adventure seekers alike, housing over 1260 long-tailed macaques in a lush, ancient temple complex. This sacred site is not only a haven for its inhabitants but also a cultural and spiritual hub, attracting visitors from around the world. As a traveler planning to visit Bali, exploring this nature reserve is a must, offering insights into the behavior, social structure, and cultural significance of its primate residents. With its unique blend of natural beauty and cultural heritage, the sanctuary promises an exciting and educational experience, making it an unforgettable part of any Bali travel itinerary. Photo by Deepavali Gaind on Unsplash Welcome to the Sacred Monkey Forest Bali Nestled in the heart of Ubud, the Sacred Monkey Forest Bali is a captivating destination that seamlessly blends natural beauty with rich cultural heritage. This sacred site is not just a habitat for the Balinese long-tailed macaques but also a place of significant historical and cultural importance. History of the Sacred Forest The Sacred Monkey Forest has a rich history that dates back to the 14th century. It is home to three temples, including the Pura Dalem Agung Padangtegal temple, which is an integral part of the forest's spiritual significance. The forest has been a sacred site for the local community, who believe in its spiritual and mystical powers. Cultural Significance The Monkey Forest is deeply intertwined with Bali culture and is considered a sacred site by the local community. The forest is not just a tourist attraction but a living, breathing entity that is integral to the local way of life. Visitors are expected to respect the rules and regulations in place to protect both the monkeys and the environment. The cultural significance of the forest is further underscored by its role in preserving ancient traditions and rituals. The forest is a testament to the rich cultural heritage of Bali and its importance in the spiritual lives of the local people. Location and Getting There The Sacred Monkey Forest is located in Ubud, Bali, making it easily accessible by car or on foot. Visitors can choose to take a guided tour or explore the forest independently, following the designated paths and trails. The forest's central location in Ubud means that it is well-connected to other major attractions, making it a convenient stop on any Bali itinerary. For those planning to visit, the forest is open throughout the year, although it's advisable to check local guidelines and opening hours before heading out. Best Times to Visit and Entry Fees Before heading to the Monkey Forest in Bali, it's a good idea to check the opening hours and entry fees to avoid any inconvenience. The Monkey Forest is open daily from 8:30 AM to 6:00 PM, giving visitors a generous window to explore the forest and its attractions. The entry fee is around IDR 80,000, which is approximately $6 USD for adults, making it an affordable destination for travelers. As Mark Twain once said, 'The best time to plant a tree was 20 years ago. The second best time is now.' Similarly, the best time to visit the Monkey Forest is as soon as you can plan it, but timing your visit correctly can enhance your experience. Visiting early in the morning or late in the afternoon is recommended, as the sun is not too hot and the monkeys are most active during these times. Visitors can expect to spend at least 2-3 hours exploring the forest. It's advisable to wear comfortable shoes and bring plenty of water and snacks to keep you energized throughout your visit. Opening Hours: 8:30 AM – 6:00 PM Entry Fee: IDR 80,000 (approximately $6 USD) for adults Best Time to Visit: Early morning or late afternoon By planning your visit according to these guidelines, you can ensure a memorable and enjoyable experience at the Monkey Forest in Bali. Meeting the Residents: Balinese Long-Tailed Macaques The Monkey Forest in Bali is home to over 1260 Balinese long-tailed macaques, a species known for their intelligence, agility, and complex social behavior. These monkeys are the main attraction at the forest, and visitors can expect to be fascinated by their behavior and interactions. Monkey Behavior and Social Structure The Balinese long-tailed macaques are highly social creatures that live in a structured hierarchy. They are known to form close bonds within their groups and exhibit a range of behaviors, from playful interactions to assertive displays of dominance. Understanding their social structure can enhance the visitor experience, as it provides insight into the monkeys' actions and reactions. Different Monkey Groups in the Forest The Monkey Forest Bali is home to multiple groups of Balinese long-tailed macaques, each with its own distinct dynamics. These groups are managed by the forest authorities to ensure the well-being of both the monkeys and the visitors. The different groups can be observed in various areas of the forest, providing a diverse experience for visitors. What to Expect from Monkey Encounters When visiting the Monkey Forest, visitors can expect to see the macaques in their natural habitat, engaging in various activities such as foraging, playing, and interacting with each other. It is essential to follow the guidelines provided by the forest staff to ensure a safe and enjoyable experience for both the visitors and the monkeys. Aspect Description Social Structure Hierarchical, with dominant and submissive roles Behavior Intelligent, social, and agile Diet Omnivorous, with a diet that includes fruits, leaves, and insects Group Size Varies, with multiple groups in the forest Essential Safety Guidelines and Rules To ensure a safe and enjoyable visit to the Monkey Forest, understanding the rules and guidelines is paramount. Visitors are expected to follow the rules and regulations in place to protect both the monkeys and the environment. One of the primary rules is not to touch or feed the monkeys, as this can lead to aggressive behavior and health issues for the animals. Additionally, visitors are required not to bring food or plastic into the forest and not to litter. Maintaining a clean environment is crucial for the health of the monkeys and the overall ecosystem. It is also essential to respect the monkeys' space. Visitors should not approach the monkeys too closely, as this can cause stress to the animals. The forest staff provides guidelines and information to help visitors understand and follow the rules. It is crucial to listen to the staff and follow their instructions to avoid any incidents or accidents. Do not touch or feed the monkeys. Do not bring food or plastic into the forest. Do not litter. Respect the monkeys' space. By following these guidelines and rules, visitors can contribute to a safe and enjoyable experience for both themselves and the monkeys. Ancient Temples and Spiritual Sites Within the Forest Nested within the lush greenery of the Monkey Forest are ancient temples that hold deep cultural and spiritual significance. The forest is home to three temples, each playing a vital role in the religious and cultural practices of the local community. Main Temple Complexes The main temple complex within the Monkey Forest is the Pura Dalem Agung Padangtegal temple, dedicated to the goddess Durga. This temple, along with the other two temples, Pura Beji and Pura Prajapati, forms the spiritual heart of the forest. The temples are not only significant for their religious importance but also for their architectural beauty and historical value. Visitors can explore these temples as part of their tour, gaining insight into the rich cultural heritage of Bali. Religious Ceremonies and Special Events The temples within the Monkey Forest are used for various religious ceremonies and special events throughout the year. These events are an integral part of Balinese Hindu culture, and visitors may have the opportunity to witness or participate in these ceremonies with permission from the forest staff. Attending one of these ceremonies can be a deeply enriching experience, offering a glimpse into the spiritual practices and traditions of the local community. Architecture and Symbolism The architecture of the temples within the Monkey Forest is a testament to the rich cultural heritage of the Balinese people. The intricate carvings, statues, and symbolic motifs that adorn the temples reflect a deep understanding of Hindu mythology and Balinese cosmology. Temple Dedication Notable Features Pura Dalem Agung Padangtegal Goddess Durga Intricate carvings, Durga statue Pura Beji Water and fertility goddess Beautiful carvings, sacred water spring Pura Prajapati Prajapati, the creator god Cremation site, significant for funeral rites The temples are a blend of ancient architecture and spiritual significance, making the Monkey Forest a unique destination that combines nature, culture, and spirituality. What to Bring and What to Avoid When planning your trip to the Monkey Forest in Bali, it's essential to know what to bring and what to avoid to ensure a smooth and enjoyable experience. The forest is a unique environment with specific rules to protect both visitors and the resident macaques. Recommended Clothing Visitors are advised to wear comfortable clothing and shoes suitable for walking. The forest can be quite warm, so lightweight and breathable clothing is recommended. It's also a good idea to bring a hat and sunscreen to protect yourself from the sun. Since you'll be doing some walking and possibly hiking, wearing comfortable shoes is crucial. The path can be uneven and slippery, so good grip shoes are a must. Photography Tips Bringing a camera is a must to capture the stunning scenery and the antics of the monkeys. However, it's essential to be respectful when taking photos. Avoid using flash as it can startle the monkeys. Be patient and quiet to get the best shots. It's also worth noting that some areas may have restrictions on photography. Always follow the guidelines provided by the forest staff. Prohibited Items To maintain the health and safety of both the monkeys and visitors, certain items are prohibited within the forest. These include food, plastic, and other materials that can harm the environment or the macaques. Feeding the monkeys is strictly prohibited as it can disrupt their natural diet and behavior. Ensure you dispose of your trash properly and do not litter. Do not bring food or plastic items into the forest. Avoid loud noises and respect the monkeys' space. Follow the instructions provided by the forest staff. Conclusion: Making the Most of Your Monkey Forest Experience Visiting the Monkey Forest in Bali is a unique experience that offers something for everyone. With its rich cultural heritage, stunning natural beauty, and fascinating monkey antics, the forest is a must-visit destination for anyone traveling to the island. To ensure a safe and enjoyable experience, it's essential to respect the monkeys' space, follow the guidelines and rules, and be mindful of your surroundings. By doing so, you can make the most of your visit to the Monkey Forest Bali and create unforgettable memories. This Bali travel guide has provided you with valuable information and insights to help you plan your visit. For a memorable trip, consider the monkey forest tips provided in this guide, and you will be well-prepared for your adventure. Enjoy your journey to the Monkey Forest Bali, and cherish the experience. ## FAQ ### Q: What are the opening hours of the Monkey Forest in Bali? A: The Monkey Forest in Bali is open daily from 8:30 AM to 6:00 PM. ### Q: How much is the entry fee for the Monkey Forest? A: The entry fee is around IDR 80,000 (approximately $6 USD) for adults. ### Q: What is the best time to visit the Monkey Forest? A: The best time to visit the Monkey Forest is early in the morning or late in the afternoon, when the sun is not too hot and the monkeys are most active. ### Q: Can I feed the monkeys in the forest? A: No, visitors are not allowed to feed the monkeys or bring food into the forest. ### Q: Are there guided tours available in the Monkey Forest? A: Yes, visitors can take a guided tour or explore the forest on their own, following the designated paths and trails. ### Q: What should I wear when visiting the Monkey Forest? A: Visitors are recommended to wear comfortable clothing and shoes. ### Q: Can I take photos with flash in the Monkey Forest? A: No, visitors are expected to respect the monkeys' space and not use flash or loud noises when taking photos. ### Q: What are the prohibited items in the Monkey Forest? A: Prohibited items include food, plastic, and other materials that can harm the environment or the monkeys. ### Q: How long should I plan to spend at the Monkey Forest? A: Visitors can expect to spend at least 2-3 hours exploring the forest. ### Q: Are there any temples or spiritual sites within the forest? A: Yes, the Monkey Forest is home to three ancient temples, including the Pura Dalem Agung Padangtegal temple. ### Q: Can I attend a religious ceremony or special event in the forest? A: Yes, visitors can attend religious ceremonies and special events with permission from the forest staff. Like this: Like Related
Time Business News
3 days ago
- Business
- Time Business News
How to Apply for College in 2025: A Guide to Pendaftaran Kuliah at Institut Teknologi Indonesia (ITI)
Starting your journey into higher education is an exciting and life-changing experience. If you're planning to attend college in 2025, understanding the application process— pendaftaran kuliah —is essential. For students interested in technology and engineering, Institut Teknologi Indonesia (ITI) is one of the top private universities in Indonesia offering various undergraduate and professional programs. In this guide, we'll walk you through everything you need to know about how to apply to ITI in 2025, including timelines, requirements, and available programs. Institut Teknologi Indonesia (ITI) is located in the PUSPIPTEK (Science and Technology Research Center) area in South Tangerang, Banten. ITI is recognized for its strong focus on engineering and applied sciences. The university ranks among the top private universities in Jakarta and is known for its collaboration with research centers and industries. With a curriculum designed to meet global standards, ITI prepares students to be innovative and ready to tackle real-world challenges. Whether you're a high school graduate or a working professional seeking advancement, ITI provides flexible learning pathways to support your educational goals. ITI offers multiple pendaftaran kuliah options to accommodate different backgrounds and schedules. Here's a breakdown of the available entry routes for the 2025 academic year: Registration Period: January 1 – March 31, 2025 January 1 – March 31, 2025 Class Schedule: Monday to Friday Monday to Friday Programs Offered: Undergraduate programs such as Architecture, Electrical Engineering, Computer Science, and more Undergraduate programs such as Architecture, Electrical Engineering, Computer Science, and more Application Fee: IDR 300,000 IDR 300,000 Entrance Test: Academic Potential Test on January 31, 2025 Registration Period: April 1 – June 30, 2025 April 1 – June 30, 2025 Class Schedule: Friday and Saturday (ideal for working professionals) Friday and Saturday (ideal for working professionals) Eligibility: Applicants must submit proof of employment Applicants must submit proof of employment Application Fee: IDR 300,000 IDR 300,000 Entrance Test: Academic Potential Test on April 26, 2025 Registration Period: February 28 – August 1, 2025 February 28 – August 1, 2025 Class Options: Regular or Parallel Schedule Regular or Parallel Schedule Eligibility: Candidates with relevant work experience or informal education Candidates with relevant work experience or informal education Application Process: Fill out a Google form and upload supporting documents Registration Period: May 5 – July 26, 2025 May 5 – July 26, 2025 Program Type: Regular or RPL Regular or RPL Eligibility: Engineering graduates with at least 2 years of professional experience Engineering graduates with at least 2 years of professional experience Application Fee: IDR 400,000 IDR 400,000 Tuition: IDR 8,500,000 per semester To apply for any program at ITI, prospective students must meet the following general requirements: Academic Background: Graduated from high school (SMA/SMK/MA) or equivalent Graduated from high school (SMA/SMK/MA) or equivalent Documents Required: Copy of diploma or graduation certificate Transcript or final semester report Valid ID (e.g., KTP) Recent passport-sized photo Letter of employment (for weekend or RPL programs) Application Steps: Visit the official ITI website at Complete the online registration form Upload all necessary documents Pay the application fee Take the scheduled entrance exam ITI partners with PT Inclusive Finance Group (Danacita) to offer a 0% installment plan throughout the duration of the study, making education more financially accessible for students. In addition, ITI supports the KIP Kuliah (Indonesia Smart Card for College) scholarship program. Eligible students from low-income families can apply for financial assistance by meeting these requirements: Eligible Graduates: From the class of 2023, 2024, or 2025 From the class of 2023, 2024, or 2025 Required Documents: Family Card (KK) Proof of parental income Utility bill (e.g., electricity) Certificate of financial hardship (if applicable) Applications for the KIP Kuliah must be submitted through the official KIP website along with verification steps by ITI's scholarship team. ITI offers a wide range of programs across engineering and applied science disciplines. Some of the popular choices include: Architecture Mechanical Engineering Electrical Engineering Industrial Engineering Informatics (Computer Science) Civil Engineering Urban and Regional Planning Business Management Renewable Energy Engineering Industrial Biotechnology Each program is designed to equip students with theoretical knowledge, hands-on practice, and critical thinking skills to face the modern workforce. There are several reasons why Institut Teknologi Indonesia is a smart choice for students: Industry-Oriented Curriculum: With a strong connection to PUSPIPTEK and national research facilities, ITI students benefit from an education that aligns with industry needs. Flexible Learning Options: Students can choose between weekday or weekend classes, with options for professionals to continue working while studying. Affordable Tuition with Installment Plans: Danacita and KIP Kuliah help ease financial burdens. Accredited Programs: ITI holds national accreditation, ensuring high academic standards. Proximity to Research and Tech Hubs: Located in South Tangerang's innovation district, ITI students have access to leading technology parks and startups. If you're aiming to join ITI in 2025, here are a few tips to help you prepare: Start Early: Keep track of the registration periods and entrance test dates. Keep track of the registration periods and entrance test dates. Gather Your Documents: Make sure your academic records and ID are scanned and ready. Make sure your academic records and ID are scanned and ready. Practice for Entrance Exams: Especially the Tes Potensi Akademik (TPA) required for most programs. Especially the Tes Potensi Akademik (TPA) required for most programs. Contact ITI Admission Office: Don't hesitate to ask questions via their official contact forms or phone numbers listed on their website. Don't hesitate to ask questions via their official contact forms or phone numbers listed on their website. Explore the Campus: If possible, visit ITI to get a feel for the learning environment and meet with academic advisors. Enrolling in college is a big decision, and the process doesn't have to be overwhelming. Whether you're a fresh high school graduate or a working professional, pendaftaran kuliah at Institut Teknologi Indonesia offers clear pathways, financial aid, and strong academic programs tailored for future success. Make sure to visit for official updates, registration forms, and detailed requirements. Begin preparing now and take the first step toward a brighter, tech-driven future. So if you're ready to start your academic journey in 2025, don't delay—explore the pendaftaran kuliah options at ITI today! TIME BUSINESS NEWS
Yahoo
6 days ago
- Business
- Yahoo
We're facing a student loan default crisis. This academic research might help
How information is presented can have an outsize impact on your actions. Behavioral scientists at the University of Pennsylvania's Wharton School recently tested a similar theory. They wondered if the right messaging — in the form of a 'nudge,' or reminder — could help struggling student loan borrowers. 'There have been large studies that have shown nudges can work in vaccinations or helping to reduce failure to appear in court,' says Robert Kuan, a third-year PhD student at Wharton who co-authored a January study in partnership with the Biden Administration's Education Department. 'But we didn't really know if it would work for student loan repayment.' It did. Performed in the fall of 2023 (after the COVID-19-caused pause on monthly payments), the study sent various types of emails to federal loan borrowers about their repayment options. Those nudges reduced credit-harming delinquencies by 0.42 percent. That might not seem like a lot, but if the research team had scaled the best-performing nudge to all of the nearly 13 million federal loan borrowers included in the study, they could have helped about 80,000 borrowers nationwide avoid delinquency. The Department of Education resumed debt collection on May 5 for five million federal student loan borrowers who are in default (or more than 360 days delinquent). By their own accounting, the number could grow to 10 million by the summer. Put another way: The $1.6 trillion student loan crisis, which has no apparent end in sight, is looking more and more bleak by the day, particularly for those far behind in repayment. But the Wharton study — 'Behavioral Nudges Prevent Loan Delinquencies at Scale' — may be a glimmer of light. It shows how an Education Department that's well-intentioned and well-equipped to help borrowers along in repayment could make a small but significant dent in the country's overwhelming education debt. After all, nudges appear to work even for borrowers who might be most desperate to put their debt in a drawer, close it shut and not think about it. Money and mental health According to Bankrate's Money and Mental Health Survey, 43 percent of U.S. adults say money negatively impacts their mental health, at least occasionally, causing feelings of anxiety, stress, worrisome thoughts, loss of sleep, depression and other effects. 'This is what makes this experiment pretty surprising because we're sending emails to people who have missed a loan payment,' says Kuan. 'So, this is a difficult-to-move population.' And yet, the study showed a positive effect of emailed nudges: reduced delinquency and a higher rate of applying for income-driven repayment (IDR) plans that cap a borrower's monthly dues at a percentage of their discretionary income. (Though a Wharton school professor, Sylvain Catherine, co-authored separate research on whether IDR plans benefit borrowers in the long run.) They held an average of $34,655 in outstanding loans and owed an average of $340 per month. 63% had missed a payment by 60 days or more in the past. 21% had defaulted on a loan. 39% had graduated from college. Some borrowers received the Education Department's standard message after missing a payment. Other borrowers received a behavioral science-designed message encouraging them to apply for an IDR plan — while highlighting their potential savings — and/or to enroll in automatic payments. Some borrowers in the latter group also received a follow-up message (or second nudge). Kuan recognizes that we are in a different position than when the study was performed. Many of the Education Department officials he and his colleagues collaborated with are no longer employed there. Related reading: Biden Administration's top higher ed official: Dismantling the Education Department won't fix how Americans pay for college Plus, borrowers might have been paying more attention to a Biden Administration hell-bent on targeted loan forgiveness and generous repayment options, like the since-scuttled SAVE repayment plan. 'But it still is very promising that by sending people emails, they didn't just ignore them,' says Kuan. 'And we actually got people to take action and put themselves in a better financial position because of that.' In other cases, perhaps where borrowers aren't in or on the verge of delinquency or default, a helpful reminder to be actively engaged in repayment can't hurt. Worst-case scenario: It winds up in the borrower's spam folder. Best case: They save time, money and stress. For example, the Wharton study found that, just by sending a follow-up email, rates of applying to IDR plans rose by 10 percent, says Kuan. 'Not to say that nudges by themselves will change the world, because there's still, with student loans, structural solutions that we can think through, like loan forgiveness and making student loan debt easier to discharge under hardship circumstances,' says Kuan. 'Nudges aren't a replacement for those. But to the extent that we might be politically divided and structural solutions aren't viable, then nudges are a great complement. They're cost-effective, they leverage psychological insights, and they can be implemented at scale.' Kuan's "surprising" study results Percentages beat dollars. Borrowers who received messages of their potential IDR-related savings in percentage form were more likely to take action than peers who received messages about equal-sized savings presented in dollars and cents. Simpler isn't always better. Borrowers who received messages recommending two actions (say, applying for IDR and enrolling in autopay) were more likely to act than borrowers who received a simpler, one-action recommendation. Kuan received Pell Grant funds and borrowed student loans for his undergraduate degree. He credited his first post-college job with helping to aggressively repay education debt. So, he has a 'personal' tie to America's education debt problem, even if he can't directly relate to the most distressed borrowers. 'In our dataset of 13 million borrowers, there are some people with hundreds of thousands of dollars in student loans,' says Kuan. 'And I can only imagine how a person thinks about paying something that they think they can never [fully] repay. So, that is something that I think must be so demoralizing for an individual.' The Wharton study is a low-cost solution for the Education Department to help some of these borrowers. But, as Kuan acknowledged, it's not a universal problem-solver. If you're feeling demoralized, consider that, as bleak as it may seem, there's always a best next choice for your repayment. You might investigate options like those highlighted in the study: IDR can be a way to temporarily or permanently lower your monthly dues to fit within your budget. Autopay is a simple hack for avoiding late payments (and earning an interest-rate reduction in some cases). Other repayment strategies to consider include: Federal loan forgiveness: There are various ways to discharge student loan debt, including Public Service Loan Forgiveness for government and nonprofit workers at eligible employers. Loan repayment assistance: For federal or private loans, seek out aid programs from states, private organizations and even companies that pay off student loans. Repayment pauses: Postponing your payments temporarily via deferment or forbearance for federal loans and via some private lenders can be useful if you need time to rebuild your income or fix your budget — but interest usually accrues during such pauses. Make extra payments: This can cut down the accrual and compounding of student loan interest. One popular method is repaying your student loans biweekly. Student loan refinancing: Creditworthy applicants can seek a lower interest rate by refinancing with a private lender — at the risk of permanently forfeiting federal loan protections. If you're in dire need of help, don't hesitate to ask. You might consider contacting your federal loan servicer, the Education Department's Default Resolution group or working with a certified student loan counselor or lawyer. Consider this a nudge. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Time Business News
6 days ago
- Time Business News
Unforgettable Off-Road Experience in Bali with ATV Quad Bike
If you are looking for an exciting and challenging experience while on holiday in Bali, ATV Ubud Bali is the right choice! Riding an ATV (All-Terrain Vehicle) on a challenging off-road track, through forests, rice fields, rivers, and the Balinese countryside will provide an unforgettable adventure sensation. ATV Quad Bike is an adventure tourism activity that invites you to ride a four-wheeled vehicle on various terrains, from muddy roads, small rivers, to rocky paths. This Bali ATV tour is very popular for adrenaline lovers and those who want to enjoy the natural beauty of Bali in a different way. In addition to offering an adrenaline sensation, ride ATV also has other benefits such as training body coordination, increasing concentration, and strengthening hand and leg muscles. This activity is also a fun way to relieve stress while enjoying the natural beauty of Ubud. There are various routes designed to provide a different experience for each participant. Here are some ATV routes in Bali that you can choose: 1. Ride ATV through tunnel and Waterfall This route takes you through green rice fields, valleys, forests, and rivers before reaching a charming waterfall. You will also cross a challenging tunnel and provide a different sense of adventure. This route is suitable for those of you who are looking for a challenge and want to enjoy the beauty of Bali's green nature. The Tunnel and Waterfall Route is priced at IDR 600,000 per person for a single ride and IDR 800,000 for a tandem ride (two people). 2. Ride ATV Bali Through Jungle For those of you who want to experience an adventure in the middle of the forest, this route is ideal. offers a route that will pass through plantations, valleys, bamboo forests, rivers, and hills for a total of 8 km with challenging muddy tracks. This route offers an experience of the beauty of the wild nature in Ubud. The Forest Route is priced at around IDR 550,000 per person for a single ride and IDR 850,000 for a tandem ride. 3. Ride ATV Quad bike through black sand and sunset If you want to enjoy the beauty of Bali's beaches while riding ATVs on the beach, this route is the right choice. You will pass through villages, rice fields, and finally arrive at an exotic sandy beach. You can watch the sunset while riding an ATV on the beach will be an unforgettable experience. You can enjoy this Beach Route at a price of IDR 685,000 per person for a single ride and IDR 985,000 for a tandem ride. The price you pay includes facilities, welcome drinks, professional instructors, safety equipment (helmets and boots), lunch, and insurance. To start your ATV adventure, here are some tips to ensure safety and comfort during your trip: 1. Use Safety Equipment Make sure you always wear a helmet and boots provided by the tour provider. This equipment is important to protect you from injury when riding on challenging terrain. 2. Understand Basic ATV Driving Techniques Although riding an ATV is similar to a motorcycle, there are some differences, especially in gas operation and gear shifting. Take the time to understand the basic techniques before starting the tour. The instructor will provide a short briefing before the trip begins. 3. Don't Put Your Feet Down While the ATV is Moving When you feel you are losing balance, make sure you avoid putting your feet on the ground. This can be dangerous because your feet can be dragged by the ATV wheels. You can maintain your balance by tilting your body in the opposite direction from the ATV's tilt. 4. Follow the Guide's Instructions An experienced guide will accompany you throughout the trip. Listen and follow all instructions given to ensure a safe and enjoyable experience. ATV Quad Bike Adventure is the right choice to experience an adventure in the open countryside in a unique and exciting way. A combination of recreation and adrenaline challenges, the ATV riding experience will definitely provide unforgettable memories. So, what are you waiting for? Book now with and prepare yourself to enjoy the sensation of riding an ATV in Bali with cool and beautiful nature! TIME BUSINESS NEWS
