The Brief

There’s new evidence that your environment can play a significant role in how much you’re exposed to “forever chemicals,” a nickname for a group of harmful human-made substances that end up in your blood and are nearly impossible to get rid of.

University of Southern California researchers found in a study that some Angelenos, who lived near or too far from certain neighborhood factors, had a higher presence of chemicals in their bloodstream.

Why the study matters

Talk of “forever chemicals,” officially known as per- and polyfluoroalkyl substances (PFAS), is usually focused on our tap water supply. But these globally-used chemicals are in tons of consumer products, including grease-resistant food packaging, nonstick cookware, and waterproof clothing.

“You really need a more comprehensive way to deal with these chemicals because it’s not enough to give people clean water,” said Shiwen “Sherlock” Li, the study’s lead author and a postdoctoral researcher in the Keck School of Medicine’s Department of Population and Public Health Sciences.

The study worked with 446 Southern California residents, mostly in L.A. County, and looked at four major factors to see how they affected PFAS levels in their blood:

• Tap water
• Proximity to industrial polluters
• Proximity to Superfund sites (an EPA designation for certain toxic waste dump areas)
• Low access to fresh foods

Every factor was associated with a significant increase.

An illustration of government data that shows the distribution of detection of PFOA (a type of PFAS) in tap water, locations of Superfund sites and potential PFAS-polluting industrial sites.

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Courtesy Shiwen "Sherlock" Li

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Neighborhood low food access in different census tracts using data from the USDA Food Environment Atlas. One of the ways low access to food is defined is by 33% of the population living more than half mile from the nearest supermarket, supercenter, or large grocery store.

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Courtesy Shiwen "Sherlock" Li

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If the research participants lived in neighborhoods with contaminated drinking water, or lived far from a grocery store — meaning they’re likely more apt to eat packaged fast food — the increased ranged from 40% to 60%. Li said some types of PFAS even showed a more than 100% jump. Living within 3 miles of an industrial site that processes PFAS also showed higher blood levels.

Keep in mind, blood presence is measured in milliliters, and the baseline levels in the general population are very low. However, current research suggests even tiny volumes can contribute to adverse health effects.

Li works in environmental justice research and has long been interested in the neurotoxic effects of PFAS, including why they have greater effects on some people over others. While the study isn’t meant to show what areas in L.A. County have more PFAS, Li said it’s about how systemic factors can impact us.

“In my opinion, it’s harder to change individual behaviors,” Li said, “but if you can create clean environments for everyone, they don’t need any behavioral change in the first place.”

While the EPA is taking steps to remove PFAS chemicals in our water, Li hopes policymakers will use the study as evidence to support environmental cleaning efforts.

How PFAS can affect human health

Low-income neighborhoods especially already have water contamination and air pollution issues for other reasons, so linking it to PFAS potentially adds another reason for harsher health outcomes. For example, other studies have shown Southeast L.A. to have more contamination than other neighborhoods.

“If people are worried about lack of green space, lead issues, or water infrastructure issues, they should also consider PFAS,” Li said.

Dr. Lisa Patel, a clinical associate professor of pediatrics at Stanford Children's Health, said other studies have shown PFAS can raise your cholesterol, lower your antibody response to certain vaccines and increase risk for pregnancy-induced hypertension and preeclampsia.

“There are some small decreases in birth weight that have been noted from exposure to PFAS, and then there’s an increased risk of kidney and testicular cancer as well,” Patel said.

Patrick Allard, a professor in the Institute for Society and Genetics at UCLA, said PFAS chemicals have a “constellation” of other health effects, including a strong impact on the immune system. There are also questions about whether that could be linked to neurological disorders like ADHD.

“I mean, I could go on — cardiovascular effects, kidney defects,” he said. “It seems like you can make connections between PFAS and many kinds of health effects.”

Both experts echoed that while there’s been more research interest into PFAS, we still don’t have a good handle on how long it takes for these issues to play out because people are exposed in different durations, ways, and amounts.

On July 1, a host of new student loan changes from last year's One Big Beautiful Bill Act will kick in, including the end of a short-lived Biden-era repayment plan, the start of two Republican-designed repayment plans and strict new borrowing limits for some students.

There's a lot to parse, and not every change will impact every borrower. So we've designed this story to make it easy to find the guidance that does apply to you, or to the borrower in your life.

To get started, click on the student loan status that best describes your situation below:

• You're enrolled in the SAVE repayment plan

• You're a current borrower with old (pre-July 1) loans and no plans for new loans

• You're a current borrower with old (pre-July 1) loans and future loan plans

• You're a new undergraduate borrower taking out loans after July 1

• You're a new grad school borrower taking out loans after July 1

• You're in graduate school right now. Do the new loan limits apply to you?

• You're enrolling in a short-term job training program and you'd like help paying for it 

• You're interested in Public Service Loan Forgiveness (PSLF)

• You're a parent interested in helping your student pay for college

You're enrolled in the SAVE repayment plan

After a few contentious years of paused payments and a legal battle that made it all the way to the U.S. Supreme Court, the Biden-era Saving on a Valuable Education (SAVE) plan is officially ending.

If you're one of the more than 7 million borrowers still enrolled in SAVE — the most flexible and generous income-driven repayment plan — you may have already gotten a notice from the U.S. Department of Education warning you that you'll have to switch plans soon. Well, you'll likely be getting another note from your loan servicer, starting a roughly 90-day clock.

If you don't act, the department says it will enroll you in one of the least flexible repayment plans.

Financial aid experts have told NPR that this effort, beginning July 1, to push millions of borrowers into repayment and into new plans that will cost more than SAVE, could exacerbate an alarming rise in student loan defaults – especially considering that many borrowers enrolled in SAVE precisely because their low incomes qualified them for a $0 monthly payment.

What are your repayment plan options? You've got lots. Keep reading.

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You're a current borrower with old (pre-July 1) loans and no plans for new loans

Whoever you are, whatever your story, whether you enrolled in the SAVE plan or not, you're in good company: About 43 million Americans hold about $1.7 trillion in federal student loan debt.

As long as your loans were issued before July 1, and you have no plans to borrow any more money, you'll have quite a few repayment options, including one brand new plan. They are:

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Jenn Live for NPR

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Standard Repayment Plan

• How it works: This plan divides your loan balance into equal monthly payments (plus interest, of course) over a 10-year period. If your loans have been consolidated, they may be spread out over a longer period, up to 30 years. 
• The upside: Monthly payments are all the same, predictable as the sunrise. 
• The downside: Payments can be pretty high relative to income-based plans. 
• A note for borrowers: Republicans also created a new version of this Standard plan, called the Tiered Standard Plan, but it's not available to borrowers with only older loans. 

Graduated Repayment Plan

• How it works: Monthly payments start out low, but as the name suggests, they increase every two years and are spread out over a 10-year period. As with the Standard plan, borrowers with consolidated loans may qualify for a longer repayment term.
• The upside: It allows borrowers to start small, and, ideally, as your payments increase over time, so too does your income and your ability to keep up with them.
• The downside: Over time, your payments could grow, even double in size.

Extended Repayment Plan

• How it works: Monthly payments can be either fixed or graduated, but there's one big difference. Payments can last up to 25 years, instead of the common 10 years. 
• The upside: Twenty-five years makes for smaller monthly payments.
• The downside: You're paying a lot in interest over the long run. 

The plans above do not take a borrower's income into account when calculating a monthly payment. So-called income-driven repayment plans do — and come with a few other perks:

Income-Based Repayment (IBR)

• How it works: If your loans are older than July 1, 2014, your monthly payments are based on 15% of your discretionary income and spread over a 25-year period. Anything left after that is forgiven. For loans taken out after July 1, 2014, monthly payments will be based on 10% of discretionary income and spread over 20 years before the remainder is forgiven.
• The upside: Loan forgiveness!
• The downside: Twenty to 25 years repaying a loan is a long time.  

Income-Contingent Repayment (ICR)

• How it works: ICR bases monthly payments on a larger share of a borrower's discretionary income — 20%. Borrowers also have to make payments over a relatively long period of time — 25 years — before they can qualify for forgiveness.  
• The upside: Up to now, for Parent PLUS borrowers, this was often the only income-driven repayment plan they could qualify for.
• The downside: It will generally cost more each month than its fellow income-driven plans.
  
• A note for borrowers: This is arguably the least generous member of this plan family. It's also being phased out by 2028, so, if you do enroll, you'll have to change plans again in two years.

Pay As You Earn (PAYE)

• How it works: PAYE's terms are similar to what newer IBR borrowers enjoy: Payments are based on 10% of discretionary income over a 20-year period, then the remainder is forgiven.
• The upside: Switching to PAYE, for now, could mean two years of lower payments.
• The downside: Like ICR, Republicans voted to shut down PAYE by July 1, 2028; so you'll need to switch plans again within two years.   

Repayment Assistance Plan (RAP)

• How it works: RAP bases monthly payments on a borrower's adjusted-gross income (AGI). The more you make, the higher your monthly payment. For example, a borrower earning $30,001-$40,000 can expect a monthly payment around $75-$100. Earn $50,001-$60,000 and it jumps to $208.34-$250.  
• The upside: RAP waives any monthly interest that exceeds the plan's monthly payment. It also comes with a principal-matching payment that makes sure lower-income borrowers see their loan principals go down each month. And, for parents and caregivers, it allows you to slash $50 from your monthly payment for every dependent in your household.
• The downside: Unlike IBR, ICR and PAYE, RAP requires that borrowers be in repayment for 30 years before any remainder is forgiven. By then, there'll be little if any debt left. And, a nerdy but important facet: This plan isn't indexed for inflation, which means modest income gains could trigger big increases in monthly payments. 
• A note for borrowers: This is the new kid on the block for legacy borrowers. You can enroll starting July 1.

We recommend using the department's Loan Simulator — or maybe this one, developed in partnership with The Institute of Student Loan Advisors, a nonprofit — to see which plan makes the most sense for you.

You're a current borrower with old (pre-July 1) loans and future loan plans

So, you've already got some loans, and you're planning to take out more. The good news/bad news is you won't have a lot of repayment options to choose from.

Any borrower who takes out a loan on or after July 1 will be limited to the two new repayment plans created in the One Big Beautiful Bill Act: The Repayment Assistance Plan (RAP) or the…

Tiered Standard Plan

• How it works: Like the original Standard, the new Tiered plan divides a borrower's principal and interest into equal monthly payments over a set period. Again, predictable as the sunrise. What's different is that that period of time grows with the size of the debt.

  • Owe less than $25,000 — repay over 10 years.
  • Owe $25,000-$49,999 — repay over 15 years.
  • Owe $50,000-$99,999 — repay over 20 years.
  • Owe $100,000 or more — repay over 25 years.
• The upside: A longer repayment period for larger balances means smaller payments.
• The downside: Longer repayment periods also mean, well, a long-term relationship with debt.  

You're a new undergraduate borrower taking out loans after July 1

Hello, fresh face! Welcome to your higher education adventure. Let's be honest, you're probably not thinking much about your repayment options yet. You're headed to school, and we wish you well.

As you get on your way, here are a few things to keep in mind: Lending limits haven't changed for undergraduate borrowers. Dependent/independent undergrads are still limited to borrowing:

• $5,500/$9,500 in their first year
• $6,500/$10,500 in their second year
• $7,500/$12,500 in the third and subsequent years

In total, dependent/independent undergrads can borrow up to $31,000/$57,500.

When it does come time for repayment, you'll likely have just two options to choose from: Either the Repayment Assistance Plan or the Tiered Standard Plan.

You're a new grad school borrower taking out loans after July 1

Many of you probably have undergraduate loan debt, though hopefully not too much. And for the moment, you're probably not thinking about repayment since you're headed back to school. We wish you well!

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Jenn Liv for NPR

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Still, there are a few things to keep in mind: As of July 1, lending limits change dramatically. Until now, grad students could borrow up to the cost of their program. Your program costs $40,000 a year? You could borrow $40,000 every year. Soon, though, you'll be limited to $20,500 a year and a total of $100,000. That's a big difference.

Only a small group of so-called "professional" degrees will be exempted from these lower limits and qualify instead for $50,000 a year in loans, or $200,000 in all. These degrees fall into 11 categories: chiropractic, clinical psychology, dentistry, law, medicine, optometry, osteopathic medicine, pharmacy, podiatry, theology and veterinary medicine.

You can learn more about these grad school loan caps at this link, including why they have many advocates worrying about an eventual shortage of nurses and other healthcare providers.

You're in graduate school right now. Do the new loan limits apply to you?

This is complicated. The Education Department is making some exceptions for grad school borrowers who are in the middle of their higher education adventures. You may be exempted from the new loan limits if:

1. You were enrolled by June 30, 2026.
2. By then, you also have to have received a loan for your program.
3. And you have maintained enrollment in the same program, at the same school.

If you do qualify to be exempted from the new limits, the department's website says you can lean on the old loan limits — i.e., borrow up to the cost of your program — for either three academic years or the difference between how long your program is supposed to last and how long you've already been enrolled, whichever number is smaller.

You're enrolling in a short-term job training program and you'd like help paying for it

One of the biggest changes going into effect on July 1 is an expansion of the traditional Pell Grant for low-income students to include what's known as short-term workforce training.

A Pell Grant is essentially free money from the federal government – unlike a loan, it does not need to be paid back. For 2026-27, the largest grant a student in a traditional program can qualify for is $7,395. Awards for short-term training will likely be prorated for the program's length.

This expansion of Pell is meant to help workers learn new skills to become, say, a certified nursing assistant or a welder. For the first time, students will be able to get federal help paying for these training programs, which last between eight and 15 weeks.

The first, most important step you need to take to qualify is to fill out the Free Application for Federal Student Aid (FAFSA). You can't get a Pell Grant without it.

One huge caveat: This expansion is so new that many current training programs may not qualify. And because it comes with some pretty strict federal guardrails, some never will.

It will take states and the federal government some time to figure it all out, so you'll need to be patient. And while you wait, fill out the FAFSA!

You're interested in Public Service Loan Forgiveness (PSLF)

Greetings (aspiring) public servants.

The good news for you is that the program known as Public Service Loan Forgiveness (PSLF) still exists. It's a policy quid pro quo: If you pledge to work full-time (at least 30 hours a week) in public service — as a nurse or police officer or school teacher, etc. — for 10 years while making 120 monthly payments toward your student loans through a qualifying repayment plan, then whatever debt is left will be forgiven by the U.S. government.

Which plans qualify for PSLF?

In the income-driven category, IBR, ICR, PAYE and the forthcoming RAP all qualify.

We recommend using the department's Loan Simulator to see which plan makes the most sense for you, i.e., which plan has you paying the least over the next decade.

The other question you may have is: Wait! Didn't I see stories about how the Trump administration is changing the PSLF rules, maybe making it harder to qualify?

Good memory! Yes. Here's one of those stories.

Effective July 1, the department says it can deny loan forgiveness to workers whose government or nonprofit employers engage in activities with a "substantial illegal purpose." The job of defining "substantial illegal purpose" belongs to the education secretary. Last year, the department offered this short list: "terrorism, child trafficking, and transgender procedures that are doing irreversible harm to children."

In late 2025, several large cities, including Boston and Chicago, sued over the rule change, worried that the administration might try to use a city government's politics to exclude its public workers from PSLF. The fight over this rule is very much still playing out, so stay tuned.

You're a parent interested in helping your student pay for college

The Parent PLUS program will see a few key changes take effect July 1. Here's what to know:

• First of all, there will be new limits on how much parents can borrow. Parent PLUS loans will be capped at $20,000 per year, per dependent child, with an aggregate cap of $65,000 per dependent. That's a big change from the previous rules which allowed PLUS loans up to the cost of a program. 
• Repayment is also seeing big changes. Parent PLUS borrowers who take out a loan after July 1 will no longer qualify for any plan that bases their monthly payment on their income. They will only be able to use the new Tiered Standard Plan. This also means future Parent PLUS borrowers will no longer be able to qualify for either a plan that offers forgiveness after a set period of time or for PSLF. 
• For Parent PLUS loans that were taken out before July 1, borrowers' best bet for a long-term, income-driven plan is IBR, but only if you consolidate your loans first, make one payment on the less generous ICR plan (which, like PAYE, will be phased out in 2028) then switch to IBR. If this is news to you, it may already be too late. The Education Department's website recommends borrowers start this process at least three months early to make sure their new consolidated loans are issued before the July 1 deadline.

Edited by: Nicole Cohen and Nirvi Shah

Copyright 2026 NPR

California is almost done counting ballots — but the key word is almost. Election officials are now moving onto the ballot “curing” phase and are sending notices to voters for verification.

If you received a letter in the mail, it doesn't automatically mean your ballot has been rejected, contrary to misinformation circulating online. Ballot curing is a normal part of California’s vote-verification process and a safeguard to make sure you actually cast your mail-in vote.

Here’s what you should know about how it works and steps to take to make sure your ballot gets counted.

What is ballot curing?

If your ballot needs to be cured, that means the mail-in envelope has been flagged for a signature issue. That could be because it looks off (that is, it doesn’t match what’s on your state record) or it’s missing entirely.

Your county registrar will send you a letter that asks for your signature to attest that you returned the ballot and that it’s your name on the envelope. (The mismatched signature and unsigned envelope letters can be separate in some counties — but L.A. County combines it.) You’ll also have to provide your address. These steps are required under state election code.

You can reply to that notice via phone, email, mail, fax or in person. If you’ve received a letter in Orange County, follow the steps here. For L.A. County, follow the steps in your letter. Here's an example of what the combined letters look like for both counties:

The privacy of your vote is protected during this process. The state election code requires the ballot return envelope to stay sealed until the registrar can verify the voter’s signature. LAist has also confirmed this with the L.A. County registrar’s communications manager Mike Sanchez and Aimara Freeman, a spokesperson for Orange County's registrar.

Why do I need to do it?

Your registrar is giving you an opportunity to fix a discrepancy, which helps ensure only registered voters cast ballots.

It’s important to cure your ballot by the deadline because your vote won’t count without it. The registrar must receive it no later than 5 p.m. June 24.

L.A. and Orange counties have about 24,000 ballots to cure as of Wednesday, according to the California Secretary of State.

A very small portion of ballots gets rejected each election statewide. The Secretary of State reports that 0.93% of ballots — or 122,480 votes — were not counted in the 2024 general election, for example, mostly because signature issues weren’t resolved.

How are signatures verified and flagged?

Signatures are compared to the ones in your voter registration record. Because of California’s Motor Voter program, that could come from the DMV. If you’re curious what your local registrar has, you can ask to review the signatures in your file.

We cover in detail how the verification process works here, but this is the gist:

• In L.A. County, a device compares your signatures first. If it’s mismatched or missing, a human then reviews it.
• In Orange County, humans do the comparison and review.

Three election officials have to agree that a ballot signature is “significantly” different from the one on record for it to be pulled, according to state code. To verify your signature, officials consider spelling, signature slant, letter characteristics and possible explanations for discrepancies — for example, trembling hands or rushed writing.

The ballot gets pulled for curing when officials challenge it — that is, they determine it needs extra verification. State law requires notices for this to be sent by first-class mail by the next business day after a challenge.

Second notices may also arrive by phone or email. You can choose a preferred secondary method through the Secretary of State’s “Where’s My Ballot?” tracking service.

As a reminder, Tuesday was the last day for ballots to arrive by mail, as long as it was postmarked by Election Day. So if you haven’t been notified that your ballot’s been counted yet, you should check on it.

Here’s where to do that for L.A. County. Orange County has a similar tool that you can find here.

The Los Angeles Conservancy — which works to preserve L.A. County's historic places — isn’t letting up on its longtime mission of celebrating downtown’s rich history and driving people to the area, particularly the historic theatres.

From the Mary Poppins Sing-a-Long, noir style thrillers like LA Confidential, and all-time classics like North by Northwest, the organization is screening classic films through its Last Remaining Seats program starting this weekend through through June.

The distinct style of LA’s Broadway Theater District

The Broadway Theater District, which is officially recognized in the National Register of Historic Places, was developed between 1894 and 1931 as a flood of new residents arrived in the city.

One of the most notable buildings, the Los Angeles Theatre, has been preserved in its original French Baroque-style structures.

Sarah Lann, director of education at the Los Angeles Conservancy, joined AirTalk, LAist’s daily news program, and said visitors entering the Los Angeles Theatre are met with a “jaw-dropping” 50-foot ceiling when they first walk in.

“There are crystal chandeliers, and  there's silk damask on the walls,” Lann said. “ It was literally meant to remind folks of the Hall of Mirrors in Versailles.”

The grand staircase at the historic Los Angeles Theatre is the centerpiece of French Baroque architecture.

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Mike Hume

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Los Angeles Conservancy

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The ladies' powder room in the Los Angeles Theatre, modeled after the Hall of Mirrors at the Palace of Versailles

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Mike Hume

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Los Angeles Conservancy

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The interior of the Los Angeles theatre is five stories, decorated with massive columns and accented with urns, angels and vines.

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Mike Hume

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Los Angeles Conservancy

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The Broadway district represents several styles distinct to the period — including California Churrigueresque, Art Deco and Beaux-Arts.

Theaters today

While no Broadway District theaters remain in daily use, the Orpheum and the Million Dollar Theater both host screenings, and other theaters have been refurbished into retail spaces.

A number of movies have been shot in buildings on Broadway, including Blade Runner, The Neon Demon, and The Prestige.

The Orpheum during the 2024 Last Remaining Seats season.

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Courtesy L.A. Conservancy

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Last Remaining Seats

It all began in the 1980s as an education program to draw attention to the overlooked and underused theaters in the Broadway district, but it soon became the L.A. Conservancy’s mission to bring people back downtown.

“ Downtown was really something of a no-go zone for many people in the '80s," Lann said. “Folks who were around then talk about it literally being dark…no open businesses once the sun went down.”

The Los Angeles Conservancy started the Last Remaining Seats program in 1987. Now, almost 40 years later, Lann said the program continues its work to keep downtown theaters alive and well, celebrating the “incredible legacy of movie palaces that is so unique to L.A.”

You can get tickets to this year’s selection of Last Remaining Seats screenings at https://www.laconservancy.org/.