#Student Loan Hero

[bitchesgetriches]

Our Final Word on Student Loan Forgiveness

[best-ofpjo]

watching luke castellan go insane on the big screen reminds me of a lot of when i went insane last week. different reasons tho

[farawayhostel]

$999999.99 for Hot Chocolate?!

This is outrageous!!@!##<#;!

“what do you mean $999999.99? that’s a perfectly average price! absolutely nothing wrong with it!”

[dontmeantobepoliticalbut]

The Supreme Court on Friday invalidated President Joe Biden’s student loan debt relief plan, meaning the long-delayed proposal intended to implement a campaign trail promise will not go into effect.

The Justices, divided 6-3 on ideological lines, ruled in one of two cases that the program was an unlawful exercise of presidential power because it had not been explicitly approved by Congress.

The court rejected the Biden administration's arguments that the plan was lawful under a 2003 law called the Higher Education Relief Opportunities for Students Act, or HEROES Act. The law says the government can provide relief to recipients of student loans when there is a “national emergency,” allowing it to act to ensure people are not in “a worse position financially” as a result of the emergency.

Chief Justice John Roberts said the HEROES Act language was not specific enough, writing that the Court's precedent "requires that Congress speak clearly before a department secretary can unilaterally alter large sections of the American economy."

The plan, which would have allowed eligible borrowers to cancel up to $20,000 in debt and would have cost more than $400 billion, has been blocked since the 8th U.S. Circuit Court of Appeals issued a temporary hold in October.

About 43 million Americans would have been eligible to participate.

The student loan proposal is important politically to Biden, as tackling student loan debt was a key pledge he made on the campaign trail in 2020 to energize younger voters.

The ruling will immediately put pressure on the Biden administration to find an alternative avenue to forgive student debt that could potentially withstand legal challenge.

Advocates, as well as some Democrats in Congress, say the Education Department has broad power to forgive student loan debt under the 1965 Higher Education Act, a different law to the one at issue in the Supreme Court cases.

Separately, the student loan repayment process is set to begin again at the end of August after having been put on pause during the COVID-19 pandemic, although first payments will not be due until October.

The court considered two cases: one brought by six states, including Missouri, and the other brought by two people who hold student loan debt, Myra Brown and Alexander Taylor. The court ruled that the program was unlawful in the case brought by states but found in the second case that the challengers did not have legal standing.

The three liberal Justices on the conservative-majority bench dissented, with Justice Elena Kagan saying that by ruling against the plan, the Court had "exceeded its proper limited role in our nation's governance."

She said the states bringing the challenge did not have legal standing to even bring the case, and in analyzing HEROES Act, the conservative Justices ignored the clear language of the law.

"The result here is that the Court substitutes itself for Congress and the executive branch in making national policy about student-loan forgiveness," Kagan wrote.

The Court decided the case in part based on a legal argument made by the challengers that the conservative majority has recently embraced called the “major questions doctrine.”

Under the theory, federal agencies cannot initiate sweeping new policies that have significant economic impacts without having express authorization from Congress.

The conservative majority cited the major questions doctrine last year in blocking Biden’s COVID vaccination-or-test requirement for larger businesses and curbing the authority of the Environmental Protection Agency to limit carbon emissions from power plants.

The challengers argued that the administration’s proposal — announced by Biden in August and originally scheduled to take effect last fall — violated the Constitution and federal law, partly because it circumvented Congress, which they said has the sole power to create laws related to student loan forgiveness.

Biden had proposed canceling student loan debt during the 2020 presidential election campaign.

The administration ultimately proposed forgiving up to $10,000 in debt for borrowers earning less than $125,000 a year (or couples who file taxes jointly and earn less than $250,000 annually). Pell Grant recipients, who are the majority of borrowers, would be eligible for $10,000 more in debt relief.

The administration closed the application process after the plan was blocked. Holders of student loan debt currently do not have to make payments as part of COVID relief measures that will remain in effect until after the Supreme Court issues its ruling.

The nonpartisan Congressional Budget Office estimated in September that Biden’s plan would cost $400 billion.

[rhinexstone]

As a wealthy-er person (I could like. Get cancer and not become homeless I think) I find it hilarious when people pretend to be poor as if being wealthy isn’t the most hilarious lore drop you could give

[trixterdark]

My brain at 3 a.m. : Tadashi never graduated

Me:

[timmydraker]

Tim begins to distance himself from his family after Damian becomes Robin.

It was obvious in the way he ran off to rescue Bruce, but that was more of a physical thing at the end of the day. He was desperate and had lost any kind of safety net and support he had after Dick threatened Arkham and how badly he hurt Alfred with his instance that Bruce was alive.

Either way he was going to get Bruce back, if not because he felt like he was an aimless, nothing human being without Batman then there was that he wanted to be believed.

Then Dick handed over Robin to Damian who at that point genuinely despised Tim, though there was also a level of jealously in the young Wayne’s mind at the intelligence and analytical Tim.

It was then that Tim decided he would bring Bruce back and then do his own thing, outside of Robin and outside of Batman.

He clearly had done his job hadn’t he? Sure Bruce was dead, but Dick was acting as Batman and that Batman had a Robin, so his reasoning for being Robin was extinguished.

Tim brings Bruce back and the older man praises and thanks him for several days and then, like everything else, the attention moves away. It goes to him connecting with Damian on a vigilante level and catching up on the last several months of him being ‘dead’. It goes to Jason who, now that he’s lost his foster father has decided that maybe he could try a little harder after all.

It goes to everyone and anyone other than Tim and this time? That’s actually the plan.

Tim isn’t as good of a hacker as Barbara, but she’s basically a god at it so compared to others he might as well be master level, just not against her. This he uses to shift around peoples schedules so Alfred has no choice but to let him go to school on his own (Tim may have also invented an early morning ‘club’ that was totally legit and not at all a fabrication). He makes it so when Dick is over or Jason takes the rare opportunity to visit he had to work at WE or DI, something important he can’t neglect.

He never has to walk Ace or Titus because he’s busy with his team mates.

Team mates who think he’s busy helping out Batman.

Tim still does work as a hero, but it’s entirely through his businesses after a while. A few times he has no choice but to go out in a boring black suit with a full face mask and hoodie. It’s got nothing on it, no symbols or gadgets. Nothing to connect him to anyone.

He starts with the homeless, dishing out vaccines like candy without even doing a campaign to showcase it.

Then he changes Bruce’s rather naive approach to orphanages and makes it so every single child who is put through is given a small amount of funding. He makes it so kids have more chance to stay with siblings, makes sure everyone who even so much as enters the ground of a orphanage have a real background check and sure the adoption rate drops, but so does the missing kids and DV cases.

Tim steals over fifty million from people like Luther and Penguin and all kinds of corrupt rich assholes for the majority of the funding and not even a cent of it is traced back to Wayne or Drake businesses. Whiles he’s digging into Lex be manages to get enough evidence to put a sizeable dent in his reputation, even if Lex manages to smooch a fair bit of it back.

He’s manages to take out a large sized trafficking ring and helps get the victims into a real recovery home that he hand picks out security for.

Later, as in a few days afterward, he discovers a dog meat farm and everyone medical veterinary student suddenly finds themself free of student loans and debt and with multiple work opportunities available and volunteer work being down right pleased for.

Tim knows he’s being noticed but given that he basically lives in his office in the heart of the city, he isn’t there to hear his old teammates and ‘family’ talk about the mysterious Dread.

Dread who was named that after a report came out about a theory of an unknown hacker or ‘cyber vigilante’ who was stealing money and information from rich folk and giving it to the poor, giving all of the 1% dread that he would hit them next.

The exact quote was ‘Those with money deeper than their pockets dread the hackers next moves. And they should feel that dread as a warning for this Robin Hood like legend seems to be getting braver.’

Dick was sure the hacker would have been called Robin if he hadn’t chosen that name already, to which Barbara responded with grumbles and growl because she couldn’t find anything other than holes and traps left by the hacker. It was like they knew her every move before she even made it!

Tim, obvious to his growing reputation until it fully took off, hadn’t even considered that his actions would be framed a threat by Batman. He would say it was because he didn’t think Bruce would ever really target him like that, but in actuality it’s because he knew Bruce was one of the few good rich folk. Surely he would be on the side of a secret vigilante hacker trying to use horrible people to do good? He embraced Dread quickly and was happy he make the rich squirm and brought a sense of hope to people, it was just like Robin but instead of them being safe and given light they were given a peace of mind in a mix of revenge and justice.

What Tim doesn’t know is that Bruce is still too far into his whole image of black and white, good and evil, that he tends to forget there’s grey areas.

At least Jason is on the side of Dread, even if he still thinks the myth of a story is just that, a myth.

It’s when Tim blows up a bank when everyone has gone home for the night just so people will find the underground money ring that and he visits the manner to get a few things that he hears them talking about it.

By that point it’s been around two years since he dropped Robin and as usual Dick always greets him with a look of a desperate puppy, “Tim! Hi, you’re here. I haven’t seen you in months, how have you been?”

Tim smiles at Dick even if he hasn’t gotten over his anger at his oldest brother and moves to sit at the breakfast table with everyone (Alfred, Bruce, Jason and Damian).

“Good. Busy, we’ve had a lot of donations lately.”

Jason snorts, “No shit. Isn’t Wayne Enterprise one of the few ones not hit by Dread?”

Bruce grumbles and shakes his head, “I wouldn’t say that. They’ve managed to get into our system and completely changed the Jason Project.”

Jason grins and laughs happily, “you mean improved! Crime Ally is doing great now. Not the best, but still a fuck of a lot better.”

Smiling at the man who once beat him to an inch of his life, Tim takes a sip of his tea and casually says, “You’re welcome.”

The whole table goes quiet as Tim continues to casually sip his tea.

The silence carries for a total minute before Bruce puts down his cup and leans forward with a slight growl in his voice, “Explain.”

“Explain what?”

Bruce stands over his son even from halfway down the table and very obviously tries to calm himself with a deep breath, “What do you mean ‘you’re welcome’?”

Tim makes an ‘oh’ expression before cocking his head to the side in confusion, “I was the one who fixed the Jason Project? Wait, did you guys not realise I’m Dread?”

Damian shouts out a ‘what?!’ That makes Titus jump and Tim laughs under his breath, “What did you think I was doing?”

“Running the business! Not stealing from people and black mailing politicians!”

It’s Tim’s turn to growl now and he stands up himself with a glare at Bruce that is as close as any of them have gotten to the famed Bat-Glare, “Are you fucking kidding me? Like are you a Tully kidding me with that horse shit?”

Bruce looks stunned and Alfred doesn’t even tell him not to swear.

Tim slams his chair into the table.

“What the fuck else would I be doing, Bruce? I’m not Robin, that was taken from me, so what else was I gonna do? I finished my job, not only keeping you from killing anyone but bringing you back, so I had do pick something else. I’m not stealing from the rich, I’m stealing from selfish cunts who ruin peoples lives for no reason and giving it to people like Jason. So, don’t you fucking yell at me and don’t try to make me feel bad for this, not when I’ve done more in two years than you ever have and- don’t you fucking speak Dick, not when you were the one who took my place here away from me! Now, I have a trafficking ring I need to expose so good. Fucking. Day.”

Jason is the only one who follows him.

[justinspoliticalcorner]

Ian Millhiser at Vox:

In the less than three years since President Joe Biden took office, the Supreme Court has effectively seized control over federal housing policy, decided which workers must be vaccinated against Covid-19, stripped the EPA of much of its power to fight climate change, and rewritten a federal law permitting the secretary of education to modify or forgive student loans. In each of these decisions, the Court relied on something known as the “major questions doctrine,” which allows the Court to effectively veto any action by a federal agency that five justices deem to be too economically significant or too politically controversial.

This major questions doctrine, at least as it is understood by the Court’s current majority, emerged almost from thin air in the past several years. And it has been wielded almost exclusively by Republican-appointed justices to invalidate policies created by a Democratic administration. This doctrine is mentioned nowhere in the Constitution. Nor is it mentioned in any federal statute. It appears to have been completely made up by justices who want to wield outsize control over federal policy. And the implications of this doctrine are breathtaking. In practice, the major questions doctrine makes the Supreme Court the final word on any policy question that Congress has delegated to an executive branch agency — effectively giving the unelected justices the power to override both elected branches of the federal government. Consider, for example, the Court’s recent decision in Biden v. Nebraska, which invalidated a Biden administration program that would have forgiven up to $20,000 in debt for millions of student loan borrowers. The Court did so despite a federal law known as the Heroes Act, which permits the secretary of education to “waive or modify any statutory or regulatory provision applicable to the student financial assistance programs ... as the Secretary deems necessary in connection with a war or other military operation or national emergency.”

So Congress explicitly granted the executive branch the power to alter or forgive student loan obligations during a national crisis like the Covid-19 pandemic. But six justices, the ones appointed by Republican presidents, decided that they knew better than both Congress and the executive. The premise of the major questions doctrine is that courts should cast an unusually skeptical eye on federal agencies that push out ambitious new policies. As the Court said in a 2014 opinion, “we expect Congress to speak clearly if it wishes to assign to an agency decisions of vast ‘economic and political significance.’” In practice, however, this doctrine functions more as a freewheeling judicial veto than as a principled check on agencies. The Heroes Act, after all, is crystal clear in giving Education Secretary Miguel Cardona — and not the Supreme Court — final say over which loans are forgiven during a national emergency. It is likely, moreover, that, although the Court did not invoke this doctrine once during the entire Trump administration, these justices will continue to wield this doctrine aggressively for at least as long as President Biden remains in office, fundamentally altering the balance of power among the three branches of government — and between the Democratic and Republican Parties.

A brief history of the major questions doctrine

The full origin story of the major questions doctrine is also an important chapter in one of the most important debates in US law: When should judges, who are not elected, defer to the two branches of government that are actually accountable to the American people? The question of where exactly the doctrine comes from is nearly as contentious as the doctrine itself. Justice Neil Gorsuch has argued that it stretches back at least as far as an 1897 Supreme Court decision involving railroad prices. Other conservative legal experts, including former federal appellate judge Thomas Griffith, point to the Court’s decision in FDA v. Brown & Williamson Tobacco (2000) as “the seminal statement of the major questions principle.” The reality is more nuanced. If anything, the Court has applied two entirely different versions of the doctrine in the last several decades — a weaker form that the Court announced in Brown & Williamson, and the much stronger form that the Court has used more recently to veto Biden administration policies. [...] The reality is more nuanced. If anything, the Court has applied two entirely different versions of the doctrine in the last several decades — a weaker form that the Court announced in Brown & Williamson, and the much stronger form that the Court has used more recently to veto Biden administration policies.

[...] In 1984, less than six months before President Ronald Reagan won reelection in a landslide, the Supreme Court handed down its decision in Chevron v. National Resources Defense Council. Chevron dealt with a perennial problem that will arise in any system where a legislature delegates policymaking authority to government agencies like the EPA or the FDA. Sometimes, the federal law laying out an agency’s authority is ambiguous, and it’s not entirely clear whether the agency is allowed to regulate in the way that it wants. According to Chevron, courts should typically defer to an agency’s reading of a federal law if that law’s meaning is unclear. Such deference made sense, according to the Chevron opinion, for two reasons. The first is that “judges are not experts” in the wonky questions that often come before federal agencies. And it makes more sense to give the final say on questions of policy to experts, rather than to black-robed lawyers who may not know anything at all about, say, how much nitrogen should be discharged by a wastewater treatment plant. [...]

The Heroes Act, in other words, is the equivalent of a parent who told a babysitter to “make sure the kids have fun” while simultaneously handing the babysitter a guidebook on Disney vacations, a list of hotels near the park, and a set of Mickey Mouse ears for each of the children. All of which is a long way of saying that it is difficult to take the major questions doctrine seriously. The Court applies it in a haphazard way. It’s never settled upon an explanation for why this doctrine exists. And, when individual justices have attempted to offer such an explanation, their arguments cannot be squared with the Court’s actual decisions applying the major questions doctrine. Worse, the doctrine is part of a 40-year cycle where the Court read the power of agencies to set federal policy expansively while the Republican Party was politically ascendant, and then reined in the executive branch once it was controlled by Democrats. The whole point of decisions like Chevron is that they are supposed to prevent this kind of partisan behavior by judges. By instructing judges to stay out of policy matters that Congress delegated to a federal agency, regardless of whether that agency is led by a Democrat or a Republican, courts ensure that the voters will have the final word on federal policy, rather than a handful of lawyers in robes. But this Court does not believe in such deference, at least as long as Joe Biden is president.

The radical right-wing SCOTUS has essentially acted like a third legislative chamber, which makes the USA effectively a tricameral nation. Their rule has invented the "major questions doctrine" to impose their will on several issues, such as student loan forgiveness, COVID vaccine mandates, and environmental regulations.

[dcxdpdabbles]

DC x DP fanfic Idea: Side Hustle

Barry needs more cash.

It's not that he is struggling, but unlike Bruce, he had student loans, a mortgage, and all the medical bills for Iris to consider. Even with his wife working, he knew they needed to keep a tight grip on their spending to ensure they didn't fall from the yellow into the red.

This means that sometimes he had to watch Wally's face fall when he admitted he couldn't afford to give him an allowance or even some money to go to the mall with his friends. It's not that his nephew complains—Wally is a very understanding young man—but it still tears Barry up inside to disappoint him.

Significantly when, their hero work cut so deeply into their funds just to keep their speedster metabolism under control. If he hadn't done his foolish experiment, Wally wouldn't be in danger of starvation for following his example.

Blood or not, Wally is like a son to him, and the idea that he can only provide the bare basics is painful. He has a high-paying job now, but it will take a while to get all his debt from when he was a student under control.

Before he married Iris, he was okay with that. He now had a wife and son who depended on him, and he couldn't wait around, hoping things would pick up after a few years.

He managed to pay off most of Iris' medical bills, and the house was an excellent step up from the cramped two-room apartment they shared when they were engaged. Barry knew that these two things were good, but he could do better.

That's how he applied as a research assistant to a strange family company called Fenton Works. The pay was decent, and it was only a short hour's drive from his home—he speed-ran it in five, but he needed a realistic distance to keep his ID protected. And best of all?

He mostly did office work. Half the time, he was allowed to do remote work documenting research data and organizing the owner's inventions and patents.

There were many funds coming from said patents and inventions. If the Fentons weren't so busy spending the money to fund their ghost research—the power grid they needed for the portal alone was almost as much as Barry's entire mortgage—then they could easily be among the few in Bruce's fancy galas.

Barry will admit that he was surprised to learn that Mr. Fenton had a PhD in engineering, applied physics, and robotics. Mrs. Fenton had a PhD in nuclear physics, functional analysis, and renewable energy. Both were currently working on getting a PhD in some form of biology, and Barry was flabbergasted that they spoke about it the same way people casually decided to start a new hobby.

It was hard, but they had the money to just sign up for classes. He wept into his student loan reminders whenever he thought about it.

They made the perfect team- one thought up the idea, and the other created a physical form while they ensured it worked together.

He knew his bosses were certified geniuses who appeared goofy was one thing, but to be confronted with their degrees stuffed away in a storage box was another thing. He hadn't even meant to find them since he had gone in there with Danny- his boss's kid- to find some paper research Dr. Jack Fenton needed.

It was even more shocking to find that Dr. Jack had sold some of his systematics to Wayne Enterprises and that Bruce had used some of his robotics theories in his Batman gear.

It also seemed that most of the Amity Park were unaware of how intelligent the Fentons were. When he was out and about in the city, he kept getting pitying looks for working for the local freaks. It was honestly shocking.

People talked about Jasmine Fenton's bright future, the only hope among the family, in the same breath as calling Jack Fenton an idiot or Maddie Fenton a washed-up housewife. The things they had to say about Danny Fenton were far more disheartening.

Barry knows a thing or two about troubled youths as the Flash, and no matter what the town told him, Danny Fenton was not one of them.

It seemed to Barry that Danny was suffering from blatant bullying and the pressure of his family's shadow. Adding to the confusion of being in the middle of puberty, it created the perfect recipe for Danny to be spirling. It was a rough patch, and it led to him skipping class, dropping his grades, and ignoring his responsibilities.

He overheard the Fentons talking about Danny. Dr. Fentons was starting to grow worried since Danny had never behaved this way before high school while Jazz attempted to defend her brother and excuse his disappearance.

She seemed very aware of why her brother seemed to change.

On the other hand, Dr. Fenton wasn't and mentioned more than once that she and Danny were very close when he was a kid, but lately, he seemed to be shutting her out. Her husband admitted that he figured Danny had gotten a girlfriend- someone named Sam?- but he started to notice his son kept coming home with what appeared to be injuries.

Barry wasn't sure if they were aware that Danny was getting bullied. He was carefully filing some of the old cabinets when it clicked.

"Jazz?" He called out as the Fentons finally stop talking about Dnany's behavior and moved down to the lab. The teenager poked her head into the file office with a curious smile.

"Yes, Mr. Allen?" No matter how often he told her to call him Barry, she seemed determined to keep that barrier between them. Which was fair. After all, he was only around the house three or four times a week for a few hours.

"I have a question, so please feel free to not answer." He starts carefully to keep his tone light. Her smile turns strained at once, and Barry almost tells her to ignore it, but the thought of Wally being Danny's place makes him push on. "What is your family's stance on gay rights?"

Jazz blinked slowly, tilting her head. "I don't mind, and neither do my parents, I think. Why sir?"

"Just curious," Barry said, but mentally, he wondered if Danny knew that.

Jazz didn't look convinced, but she didn't push the issue as she wandered away with a respectful by-your-leave. He waited until she was upstairs before abandoning his work to find the Fentons.

Carefully, he started by updating them on his work, then casually dropped the mention of taking Wally to Pride so he wouldn't be able to work the following week. Neither Dr. so much as blinked, telling him that it was fine.

Barry felt it safe to keep pushing just a little.

"Yeah, I still remember how nervous Wally was about telling me he liked girls and boys." He chuckles. "As if though I didn't notice the signs."

Dr. Fenton raises a brow, face twisted in confusion as the large man turns to Barry. "What signs?"

"Mostly, he is trying to think of excuses to be with his friends more. He wasn't sleeping a lot, got into a bit of trouble in school when some kids were giving him grief, and oh, the way his eyes followed young men about." Barry said as casually as one could.

Dr. Fenton looks pensive. "Interesting."

Ah, it seemed she had picked up on the possibility of Danny not being as straight as he claimed. She thankfully didn't seem bothered by it.

"Jack, honey, you don't think Danny could be....?" She asked carefully.

Dr. Fenton ran a hand through his hair. "It could be. But why didn't he tell us?"

"Oh geez, I wonder why!" Jazz suddenly yells from the stairway. Barry twists around to find her standing there with a defensive glare. She has obviously been eavesdropping, but for how long? "What did you two expect with the way you talked around the house?!"

Dr. Fenton looked mystified. "Jazzy-pants, what are you talking about?"

His daughter only raises her fist, lowering her voice to mimic her father. "What are we doing today, Maddie? I know; how about we rip the ghost boy molecule by molecule!"

Barry's eyes grow wide. He had been working for the family for about six months and had encountered Phantom more than once. He even fought him off as Flash a few times since the ghost was hell-bent on robbing and property damage but was less dangerous than his rouges.

Dr. Fenton's face went pale as she clutched to the table. "Jazz you mean....Danny and Phantom...."

Jazz looked ready to fight them all as she bit out, "If you try to do anything to Danny, I swear-"

"We would never Jazzy-pants." Jack cut in, looking off Kindle. "To think my son was dating a ghost behind my back and I...I didn't even notice."

"Oh, Jack, we have to apologize," Maddie started. "Who knows if Danny could ever forgive us?"

Barry was thinking Flash also had to apologize. Based on their last encounter, Phantom would likely not be willing to hear him out. He quickly pulls out his phone to see if Wally and his team could get close enough to have him consider speaking to Barry.

None of the adults noticed the way Jazz froze in confusion, nor did they notice the slow horror growing on her face as they came to terms with Phantom and Danny dating.

[gamblersdoll]

cw: age gap pro hero dynamite, bakugou is twenty nine , reader is nineteen. big beefy bakugou, daddy kink, nsfw, size kink implied.

pro hero bakugou who’s already at the top now, usually competing with deku for the number one pro hero position and grows more fame.

pro hero bakugou who also hasnt had a girlfriend in years, usually seeing some of his fans throw themselves at him and hes just disinterested, not because of looks or anything, just that he wants a specific type.

a younger girl he can fucking destroy, destroy, destroy.

and he finally meets you at some little coffee shop, finishing up freshman year of college and paying off your student loans. he’s surprised, already finishing up payments?

its also the cape that you wear, it wrapped around your waist and showing your curves. he finds that you could be easily worn out, but fuck did you have ambitions.

and that spirals into a one night stand, the smell of sex just permeates the air and slapping of his balls against your clit. hes big and mean, six foot three and all muscle. he wasnt a body builder, but shit was he huge.

how did we get here? he took you to a fancy diner and you called him “big daddy.” he simply stared at you, mid bite and took the food order to go. his calloused hands just squeezing your thigh until you got to his place.

and he puts you in a mating press, holding your hips and grinding his cock into your creamy walls, taking his and and placing it at the base and just firmly shaking it in your cunt.

“jus’ let older men take advantage of you? yeah? how many?” he coos, acting disappointed and disgusted but hes thrilled, harder even. he might have to get shittyhair or dunceface in the mix..

[yeyinde]

ghoapxreader in the baby trapping series IM BEGGING 🧎‍♀️

i think i've exhausted the whole "tampering with contraceptives" thing to death by now so i would probably do something different with them. like a surrogate situation or something, but awful lmao

maybe down on her luck reader is in desperate need of cash, and these two men swoop in to save you from this horrible pit you've fallen into.

you need money. they need a baby.

simple, right?

except the simplicity falls apart when they blatantly tell you they want a natural insemination—as in, a threesome.

multiple, the pretty Scot tells you. after all, it has tae take, hen.

(and this is the part where you should have run. the moment when you'd be screaming at the television at the hapless protagonist as they walk mindlessly into danger despite the warning signs hanging overhead. but like the oblivious hero, you're too blinded by pretty, gleaming white to realise that the thing you're marveling over is a maw. cracked open wide and full of jagged, deadly teeth rearing up to sink inside of you.

but the problem with making shady deals when you're desperate is that no one really bothers to read the fine print, do they? and by the time you see past their crooked charm, you're waving your child off as they skip up the stairs to school, standing like a prisoner between them as they lean down and ask if you're ready for another—)

but that comes later.

what comes first is message on Craiglist.

one that you spend less time considering it than you should have. desperation, you find, clouds your judgement. blots out common sense. makes you susceptible to manipulation. and oh, how susceptible you are. despite priding yourself on your common sense and keen self-awareness, the overarching issues hanging over your head like an idling guillotine seem to erase that instructive need for self-preservation.

so, when the message itself pops up, you're already primed for making bad choices. ones out of malformed desperation. the barrage of texts from your landlord demanding rent, the ones sent to your family in moments of dire need asking for fruitless aid that will never come in time if the read receipts mean anything at all. the package from HR apologising for the inconvenience, but this was, regrettably, the only feasible option for the company at present, and too bad you didn't sign up for that union, huh? student loans. credit cards.

the measureable calamity of your life manifests itself in the shape of a black cloud hanging onto your aching shoulder, wrapping long, inkstained fingers around your jugular as it hisses the insurmountable figure needed to climb out of this pit in your ear.

sleepless, of course, hasn't helped.

and in that bog you can't swim through, their offer sounds far more appealing than it should.

let's meet up somewhere, comes the next message at half past three in the morning as you talk yourself in (and out) of this mess. talk about things more.

what else are you supposed to do?

job hunting sites mock you with their generic emails, thanking you for applying, and saying they'll reach out within a few business days for an interview if you're a good fit. ones sent off weeks ago. hundreds of them to no avail. it's almost like you're being plagued. blacklisted from the city.

even the fast food chain down the street refused your application when you sent it in, and the help wanted sign has been taped on the drive-thru window since you were sixteen.

it all pushes you closer and closer to making stupid choices, like replying with a simple (nervous, shaky, bile-tinged) sure to the message they sent. i'm down—

(—and drowning)

but you're smart enough to know better, so you act like it, too.

ping your location to your friends. tell them where you're going. clutch your keys so tightly in your fist that your knuckles just out through thin skin. layers upon layers of safety measures glimpsed through the various articles about how to stay alive.

but all the tremulous air is siphoned from your lungs when you see them for the first time.

something magnetic thrums through your chest. copper sutures running lines from their skin to yours until touching just seems like the most natural thing in the world. and you suppose it is when the pretty Scot folds you into a tight hug, cinching you close to his chest as if he's known you his whole life instead of just several seconds.

he's a thing of beauty. chiselled from marble, almost; David made human when he runs his tanned hand through the tumble of uneven hair along his crown. eyes the same varicoloured palette of a boscage in autumn framed in the setting sun's golden halo.

there's a distinct ruggedness about his beauty, too. one that reminds of you a lion's mane. the sleek fur of a stallion. pretty in a wild way. and as his eyes list towards you again and again, like he can't quite manage his fill of staring at you, taking you in, you think about that wildness again. the hunger in his eyes so similiar to the desperation of a predator fattening up for the encroaching chill of winter. it makes you shiver, but you can't look away

(because you know what's waiting for you when you do)

and when you finally pluck up the courage to glance at the shape devouring the light with his intimidating bulk, you come to quick realisation that if Johnny is the personification of an autumn evening, then the man standing next to him is the tried and true testament that bad things happen after dark.

he's a strange figure, one who veers almost comically into the uncanny valley with his hood pulled over the plain, black ballcap hanging low over his brow. a balaclava covering every inch of his face with the exception of a small, ovaled hole for his eyes. remnants of something ashy smear into the corners, running up the crooked bend of his nose.

he doesn't look like a real man—not with those liquid, haunting eyes—but at the same time, there's something preternaturally human about him. a stereotypical sense of masculinity—just one warped around the edges.

with his worn jeans pulled tight over thick, bulging thighs, and the silver zipper of his hoodie resting at the base of his throat, you could easily think he was just another man in the crowd, but it's off. a glitch. a skip.

like mistaking a coat rack for a man in the dead of night.

eerie.

dangerous.

if the man beside him is playfully carnivorous, a basking lion rolling onto his belly at the zoo, separated by thick glass, then he (Simon, Johnny supplies readily when the silence lingers; Simon Riley), Simon, is what it feels like to be followed home at night.

but—

there's something about fear and desire that are almost inseparable when broken down into a physiological response.

and when he steps up behind you, close enough that you can feel the heat of his body soaking into the drying sweat on your back, you liken the way your heart climbs up your throat to same as it would seeing a dorsal fin cutting above the waves in open water.

desire, you think, and then catching the white-hot burn of the stare, you add, in a thin whisper: fear.

when they sit you down, and begin to spin a story about how they just want a baby—no strings attached—you stay seated in the chair even as an itch in the back of your head starts, nails scraping at your skull.

their reluctance toward traditional methods makes sense when they explain that with their lifestyle, it's impossible—or the Scottish man does; the other one with a marbled skin of thick, ugly scars on his hands just stares, pinning you down with the weight of his gaze—and this arrangement is the only way they'll get the baby they've been hoping for.

and even though the scratching in your head sounds suspiciously like why you and run, you eat the food they bought for you in the fancy restaurant where appetisers start at $30, and a glass of water is priced at $6. volcanic spring water, the waiter explains as he pours it from a marbled glass pitcher.

you haven't eaten a real meal that wasn't microwavable or cup noodles in weeks.

maybe that's why you find yourself thinking why not instead of no.

they're attractive men. it's not the worst situation you could have found yourself in, even if the idea of parenthood—however brief it's supposed to be—has bile clawing up the back of your throat, and the bones housing your trembling heart feeling laden, heavy like iron, and starts to cinch your chest shut each day, squeezing tighter, and tighter, and—

they drop off the first the installment to you the moment your doctor starts to talk about boerhaave syndrome, as if they know the doubts that plague your head when they leave your apartment and the silence starts to mock you.

and that leads you here.

guilt for their situation. desperation over your own. an overarching need to please. it's all a dangerous cocktail that douses over rationality until you're nodding along, accepting their words as gospel until sleeping with them—multiple times—doesn't seem like such a bad thing.

until it happens. until you have Johnny and Simon actively working to knock you up. a marathon of intense sex with the single-minded goal of putting their baby in you.

Johnny drooling all over you as he ruts between your thighs, mindlessly driving himself into a frenzy as he slurres out his desires in an incomprehensible mess of English and Gaelic and animalistic grunts. barely pulling out in time before Simon is pressing your knee down to the mattress, cooing mockingly at the mess his boy made of you. cruelly taking bets as he slides into your sore, aching cunt about who will take first. his or Johnny's? and who do you want, birdie? who's baby do you want first?

fingers always shoving inside to cap the overflow when they exhaust themselves in a liquid-limbed stupor, barely conscious as you tapped out some three, four rounds ago. unable to keep your eyes open any longer as they both came to the same conclusion that cumming inside of you at the same time was the quickest way to knock you up together. ain't he a romantic, birdie?

and it's probably for the best that you passed out before it happened, drooling on Simon's scarred shoulder as he gripped the cheeks of your ass, pulling you wide open as Johnny shuffled forward between his spread legs, eyes riveted to the spot where Simon's cock split you open. the ache you felt the next morning, coming to on a broad chest with fingers stuffed inside of you—shush, shush, just keeping you nice an' plugged, sweetheart—was almost unbearable.

you expected them to clear out after getting what they want, but they stay. tend to you carefully like you're made of fine china.

or—Johnny does. bundles you up in his arms before setting off towards the bath, finally letting you wash the sticky, flaking grime from your skin, some awful mixture of drying cum, spit, and sweat, groaning in your ear as he pulls you to his damp, hairy chest about how sweet you are for them. how they're going to take care of you.

Simon caters to other things. packs your bags as Johnny scrubs thick fingers over your shoulders, pausing to grasp a sore, tender breast in his palm, hefting the weight up as he feverishly mutters about how hot it'll be to watch you feed their baby. an' maybe you'll let him have a little taste, too—

and when you finally emerge from the bath, sorer between the thighs than you were when you woke up, another mess pooling in the gusset of the panties he pulled up your legs, Simon's waiting, eyes riveted to your belly. staring at it with so much hunger, a cold sweat breaks out along the nape of your neck.

in the grand scheme of things, the threesome is the easy part. the hard part comes when they turn the arrangement into a prison, locking the shackles around your wrists when the pregnancy test comes back positive a few weeks later.

they're only doing what's best for their baby, they say, when they move you out of your apartment and into theirs. the cut lease was the only way to do it, Johnny says, shrugging. why make you pay for something you aren't using anymore?

and maybe if your head was thickened with a fog, you'd have questioned the phrasing, but as it stands, pregnancy, even as early as this one, adles you. leaves you a syrupy mess of emotions that they take turns exploiting. aren't you so lonely all by yourself, hen? don' ye want a family?

aren't they good enough for you?

it's less subliminal messaging and more overt coersion. what are you going to do after this? where will you go with your lease cut? and when the funds run dry? what then?

gonna find another couple to knock you up? Simon hisses, mangled hands mauling your belly, pinching and squeezing the flesh as if he could feel the fragile box their happiness is housed inside. should jus' stay with us if that's the case, birdie.

but it's all so sweet, in its own way—

(—sweet like a parasite nesting inside of it's host.

but at least you'll never be lonely.)

they stand by the fact that they're looking out for you. that they care. that they can't do much else but idle and watch your body evolve into something new (an' magnificent, Johnny breathes, kissing this unfamiliar shape you call home) and it grates at them because they're not used to feeling so useless, so can't you just let them do this for you? take care of you in all the ways they see fit? like cutting your lease and giving you a better place to stay. handing in your resignation from that shitty nine to five that wore you down to the bone. culling out the annoyances in your life—the friends and family—who kick up needless fits over your wellbeing, and just stress you out more than you need to be.

they're not good enough for you, is what Simon says when you ask why he blocked them from your phone, Johnny hovering by the doorway with his arms folded over his chest. barring the exits, you'll realise later. but what comes first is fear, is anger, is—

happiness. maybe. or some broken, fragile facsimile of it. a subpar humuliculus masquerading around as if it was realised flesh and bone.

"oh," you say, and think you should be touched by his care, his concern, and so you are. shape this emotion from the sludge that pools at the bottom of your chest, running fingers through the muck to find pieces of gold. and then: "thank you, Simon."

it's sweet. or it could have been if it didn't spiral out of your control when they systematically dismantle your entire life until all you're left with is loose sediment slipping through your fingers. the foundation itself soften clay they shape into the image they've been after with the whole time: you.

(or more specifically, a momma for their baby.)

and when they ask you, at the end of this thin, fraying tether, if you want to be with them—an equal, a mother—and be a mother again for them, there's nothing else you could say except yes.

nothing because they made it so.

[bitchesgetriches]

Our Final Word on Student Loan Forgiveness

I’m boldly labeling today’s post our final update on student loan forgiveness in America. Yes, I could seal the deal by titling it “Final FINAL Update On Student Loan Forgiveness V2_2.” But that feels unnecessary. It’s implied. We’ve written a lot about student loan forgiveness. As a campaign promise, we loved it, but had zero faith it would ever happen. When the pandemic hit and it improbably…

[amylrox723]

scholarships given out by large companies kind of annoy me.

it’s great they’re offering money to students in need, and all, but like...i saw a scholarship opportunity from taco bell, and i was like, “you’re a multimillion dollar company. You could pay off the student loans of half the people in my school, probably, but here you are, offering $1000 to a single student. Also you’re gonna make me write a short novel, give u test scores and GPAs i can’t remember anymore, and do a couple backflips while juggling hamsters to even qualify.”

[dontmeantobepoliticalbut]

On Monday, a three-judge panel of the Eighth Circuit Court of Appeals instituted an emergency injunction of President Biden’s student debt cancellation program. The verdict granted standing to sue to an alleged plaintiff which has said publicly and in writing that it had nothing to do with the lawsuit, and no relationship with the office that filed it. The ruling, in effect, turned a non-plaintiff into a plaintiff.

It’s the kind of decision that makes you wonder what the law is, and whether it matters what it says. But the conservative judiciary could see these same tactics used by determined plaintiffs with different priorities. This would force right-wing judges to come up with what amounts to two different legal systems, one for policies they like and another for policies they don’t, eating away at the increasingly unpopular system of judicial supremacy.

The Eighth Circuit’s ruling is not the only adverse one for Biden’s student debt program, which would cancel up to $20,000 in loan balances for tens of millions of borrowers. A federal judge in Texas last week struck down the Biden plan on behalf of two students who didn’t qualify for full debt relief. The plaintiffs argued they had standing to sue because they were unable to provide comment expressing their disapproval of the program. Judge Mark Pittman agreed, even though the law the administration is using to enact debt relief explicitly says it can waive the notice and comment period. Pittman even acknowledged that later in the same ruling.

That inanity was only mirrored by the Eighth Circuit’s six-page, unsigned decision on Monday. In it, the three judges, appointed by Presidents George W. Bush and Donald Trump, reversed a lower court, which had said that none of the six states that sued Biden and the Department of Education over the debt cancellation plan had jurisdiction to sue. The judges singled out one entity, a student loan servicer named the Missouri Higher Education Loan Authority (MOHELA).

MOHELA, which is called a “state instrumentality,” services loans for the federal government. The state uses MOHELA revenue to fund capital projects at state colleges, as well as a modicum of financial aid (less than $6 million per year). If federal loan balances are reduced through forgiveness, MOHELA will service fewer loans, and there will be less money to go to capital funding and scholarships, the plaintiffs in the case have argued. “Due to MOHELA’s financial obligations to the State treasury, the challenged student loan debt cancellation presents a threatened financial harm to the State of Missouri,” the judges wrote.

But in this case, MOHELA itself, in a letter responding to questions from Rep. Cori Bush (D-MO), explicitly said that its executives “were not involved with the decision” to file for a preliminary injunction this September. MOHELA added that it has no relationship with the Missouri Attorney General’s office, which filed the suit, and that the documents the attorney general presented proving MOHELA’s potential financial harm from student debt cancellation had to be procured through formal sunshine law requests. Those have been the only communications between MOHELA and the AG’s office.

Asked whether MOHELA supports the lawsuit to block student debt relief, it answered: “MOHELA is faithfully fulfilling its obligations pursuant to its federal loan servicing contract.” It is possible that MOHELA is being cagey about this because, under California law, it could be liable for hundreds of billions of dollars in penalties for blocking student loan relief.

The Justice Department filed a brief informing the Eighth Circuit of MOHELA’s letter to Rep. Bush, so the judges should have been aware of its existence. Nevertheless, they ruled for MOHELA, the unwilling plaintiff. And under those terms, they instituted the injunction. None of the merits of the case were discussed at all, with the judges merely saying that they are “substantial.”

These peculiar decisions have thrown the Biden administration’s plans into doubt. It has stopped collecting applications for debt relief, after 26 million applied. Debtor advocates have proposed several options going forward.

One argument all along has been that the administration’s legal complications are tied up with the program’s contours. Means-testing the relief required an application process and slowed things down enough for opponents to fund lawsuits and find courts willing to overturn the program. Plus, the administration used the HEROES Act of 2003 as its authority for debt forgiveness, a limited program that, it’s reasonable to suggest, was not intended for this type of mass relief.

Compromise and settlement authority from the Higher Education Act, under this theory, is a much more robust option, allowing for cancellation of debt by fiat. Astra Taylor, one of the leaders of the activist group Debt Collective, argued in The Guardian Monday that “Biden could knock the legs out from under these cynical lawsuits tomorrow by extinguishing all federal student loans immediately and permanently using compromise and settlement authority.”

A potential complication to this is that the Education Department in 2016 amended implementing regulations for compromise and settlement that Justice Department lawyers have argued narrow its potential use. The new rules, according to DOJ lawyers with the Office of Legal Counsel (OLC), make it so that the authority could only be used if the cost of collecting debt exceeded what the agency could expect to collect. Other experts have looked at these regulations and said they do not prevent the Secretary Of Education from canceling debt, but the OLC hasn’t seen it the same way.

The regulations would take 18 months to change through administrative procedure. Of course, it took Biden more than 18 months to decide what course of action to take on student debt cancellation. The administration could have provided regulatory clarity and cancelled debt en masse in less time than it took to come up with a new authority and a cumbersome application process.

This would have served the dual purpose of speeding up the whole process. Determining debt cancellation unconstitutional right before national elections, and taking relief away from 26 million borrowers, would have been another stark display of judicial control of government. On the off chance that it got past the judiciary, Biden would have given a tangible benefit to tens of millions of borrowers.

Because of the uncertainty of cancellation, several groups are arguing to extend the payment pause, which is due to expire at the end of the year. The pause has been in place for nearly three years without legal challenge. That would prevent financial stress in a time of high inflation and dwindling discretionary income.

But given the outlandish nature of the judicial rulings, another more operatic option looms down the road. If plaintiffs can make up any story to justify standing to block federal programs they disfavor, they surely will. Liberal activists have plenty of problems with endless wars, climate pollution, and dozens of other issues. It’s plausible that violations of congressional war powers or the right to clean air and water exist from these activities. Liberal plaintiffs never had a hook to bring cases before, but they could simply say they have standing to sue because they never got to comment on the federal actions, or because some related entity will be harmed if the plans go through.

These precedents from the student debt rulings are being set, and they amount to sticks of dynamite for would-be litigants. Liberals can forum-shop too, and move these cases through the system. If nothing else, it would force the conservative higher courts to spend lots of time fending off cases. It would likely yield rulings where the courts would say that notice-and-comment standing claims are fine for conservative activists but not for liberal ones.

The judiciary’s legitimacy is already at a low ebb; making up different sets of rules depending on the plaintiff would nosedive that even further. This legitimacy, while it seemingly doesn’t matter to unelected elites in robes, clearly had an impact on the 2022 elections. And in U.S. history, when the judiciary has been seen as a cancer on American life, it has often changed course, like the Lochner Court during the New Deal.

Whatever the strategy, the Biden administration will need to rebut charges that they conned young voters by offering debt relief before the election, only to have it taken away by the courts, as they knew it would be. They have at least a few ways to prove that conspiratorial belief wrong.

[howlingday]

Jaune: I'm going to Beacon Academy to get my Huntsman License!

Jaune: I'll be a hero, just like my dad and his dad before him~!

Jaune: Excuse me, ma'am, but can you buy this milk so I can pay off my student loans?

Jaune: ...No, it is not my cum. ...Ma'am, you are the 30th woman in a row to ask me that.

[sunny-and-moonbow]

Sugar Daddy Pro Hero Deku x Reader

Word count: 562

Warnings: none, general fluff, sugar daddy/sugar baby

A/n: wip to test out a different idea to usual

Summary: In a sleep deprived state you meet a mysterious stranger on a dating site you'd all but given up on

Masterlist

You wish you could say you met him before he was a pro hero, but that would just be a lie. You also wish you could say you weren’t with him for his money, but that would just be another lie. Not that you actually have to talk about your relationship with the pro hero, it being a secret and all

You met him on a pretty sketchy website that advertised ‘sugar daddies’, in desperate need of help paying off your university student loans, you caved and began searching. You met a bunch of duds who wanted nudes upfront, that just made you shudder and consider abandoning the website all together. It was like a normal dating app, being immediately sexualised or given the driest conversation known to man and expected to somehow be interested. It was absolutely exhausting, and you began to use the site less and less. Your work and school commitments getting in your way.

Most hope was lost after a couple of months of texting the older guys on the site. Until one night you were idoly scrolling, laid on your side under your cosy covers. You tried, and failed to stifle a yawn, eyes watering as they clench shut, your right hand came up to your face and the back of your hand pressed against your gaping lips. The glare of your phone caused you to squint your now sensitive eyes, the ding of a notification from your semi-abandoned website drawing your eyes to the time in the corner of the screen.

2:14am

Well shit. You were SUPPOSED to go to sleep early, your recent sleep debt building to an unfixable amount with your intense workload from your courses and all the extra shifts you picked up in an attempt to simply get by, to just pay your rent. 

The message had come through from an anonymous sender, never a good sign. But you guess in your sleep deprived state, that little voice of logic got rugby slammed into a wall. Before you thought twice, your index finger inched towards the notification, opening up the site. The message read:

‘Hello! Tell me about yourself!’

Well that's not much to go on, but that's expected of an anonymous account-ooo maybe he was famous or something and didn’t want his fans to find him! That means lots of money, this site may work out after all. Either way, him asking about you and not dominating the conversation talking about only himself was a first. Too good to be true.

You warily stare at the message for sometime, before giving into impulse and deciding to respond, giving him your name and other basic details that weren’t too personal. His responses came almost immediately, shocking you a little at first but you quickly got used to it. As the conversation crawled along, your responses slowed, unable to keep up with the previous pace, your eyelids began to droop, your tired state preventing you from supporting their weight. As they begin the water and the fuzz takes over your vision, you just barely manage to make out the three dots disappearing and reappearing, before a short but sweet message comes through.

‘Get some sleep, its late ❤️’

A small smile tugs at your lips before your eyes lock shut, phone slipping from your hands into the mattress, the conversation left open. 

Thoughts?

-Sunny 🌞🧡