Pioneer Insights

Over the past 20 years, average costs for tuition, fees, housing, and food have…

For families with high school seniors, fall is crunch time. Between campus visits, final SAT/ACT attempts, and essay writing, there’s also a parallel track that’s just as important: preparing the financial side of the college journey. Getting ahead now can reduce stress and improve the chances of securing the best possible financial aid package.

On July 4, 2025, the One Big Beautiful Bill Act—a sweeping legislative package—was signed into law, bringing with it some of the most significant changes to federal student loans in over a decade.

July 2025 marked the passage of one of the most sweeping federal reforms in recent history—the One Big Beautiful Bill (OBBB). While the headlines have focused on tax cuts and student loans, hidden within its 1,200+ pages are transformative changes to the U.S. education system.

At a time when your career is reaching a peak and you are looking ahead to your own retirement, you may find yourself in the position of having to help your children with college expenses or the financial challenges of young adulthood while at the same time looking after the needs of your aging parents. Squeezed in the middle, you’re in the “sandwich generation” — a group loosely defined as people in their 40s to 60s who are “sandwiched” between caring for children and aging parents.

As your commute time increases or you find yourself returning to the gas pump again this week, you might be curious about a more energy-efficient ride.

Financial compatibility is a cornerstone of a healthy relationship. Money, often cited as one of the leading causes of stress and disagreements, can be a tricky subject to navigate. However, with open communication, mutual understanding, and strategic planning, couples can achieve financial harmony.

Every May, interest rates on federal student loans are reset for the upcoming school year. The rates are calculated by combining the yield on the 10-year U.S. Treasury note with an extra fixed amount set by Congress.