How are Harvard students coping with Trump's sudden visa order?
'Most international students choose the US not just for the degree, but for the global opportunities that come after,' Ghosal adds. 'Losing access to work options like OPT after graduation is not a small issue. It's a huge setback.'What makes it worse, he says, is the uncertainty. 'You don't know if transferring to another school will protect your visa, your credits, or even your chance to work in the U.S. after you graduate." It's like planning your career in the middle of a storm.'ADVISORS STEP IN TO HELP STUDENTS REBUILDAs students try to make sense of these sudden changes, education counsellors are stepping in to help.'When such unexpected changes happen, we act fast to reduce the damage,' says Rozy Efzal, Co-founder and Director at Invest4Edu. 'We first check if the student's visa status is still valid. If needed, we explore transferring them to other SEVP-approved colleges.'advertisementIf that's not possible due to visa delays, Efzal says they help students request deferrals so they don't lose their admission. 'We also tell all our students to have a backup plan—like applying to Canada, the UK, or Australia. That way, they don't lose a whole year if the US route doesn't work out.'The goal, she says, is to keep students legally safe and academically on track—without last-minute panic.SUPPORT FROM COLLEGESWhile some students say Harvard's faculty and student groups have offered emotional support, the practical help has been limited.'Yes, people are checking in, but we're being told to wait and hope,' says Ghosal. 'That's not real support—it's just asking students to manage on their own.'He says what students need is clear communication, quick action, and backup systems that can actually help in a crisis—not just kind words.MENTAL HEALTH TAKING A HITBeyond the paperwork and planning, students are struggling emotionally. The sudden policy change has left many feeling hurt and betrayed.'I've seen students panic, break down, and lose sleep,' Ghosal shares. We looked up to the US as a place of opportunity and fairness. Now it feels like we're just pawns in a political game.'This emotional toll is something Ganesh Kohli, Founder of the IC3 Movement, takes seriously. He believes that proper counselling should be part of every student's journey.advertisement'Today's students face a lot—changing rules, stress, and pressure to make the right choices,' he says. Good counselling isn't a luxury anymore—it's essential. When students feel heard and supported, they can make better decisions about their future.A WORRYING MESSAGE TO THE WORLDExperts warn that these sudden shifts in US policy may push international students to look elsewhere.'We're already seeing students apply to US colleges and also keep backup options abroad,' Efzal says. 'This kind of uncertainty damages trust.'Ghosal agrees. 'If the US wants to keep attracting top talent from around the world, it needs to treat international students as contributors—not just as numbers.'For now, students are holding on, making backup plans, and trying to stay hopeful.'Planning your future shouldn't feel like managing a crisis,' says Ghosal. 'But right now, that's what it's become.'Tune InMust Watch
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The Hindu
an hour ago
- The Hindu
In Bihar, a matter of life and debt
Chandra Devi, 53, holds up a loan slip, its creases more prominent than its text. It states that she borrowed a loan of ₹35,000, allegedly from RBL Bank, a private sector institution, in May 2024. 'I have to repay the loan and an interest rate of do taka (2%),' Chandra declares. But the slip states that the interest rate is a hefty 25% over two years. Chandra is sitting in a mango orchard with a group of women at Dekuli Chatti village in Darbhanga district of Bihar. Around her, children climb trees under an overcast sky. Some of them clamber to the top, others hang upside down from branches. Their mothers sit on a yellow plastic sheet spread over the grass. While watching their children's antics, they share their struggles on repaying dues. According to the 2022 caste survey of Bihar, 34% of households in the State earn ₹6,000 or less per month. In June 2025, Piramal Enterprises, an Indian non-banking financial company (NBFC) focused on financial services, published a study. In it, they stated that the share of Indian households from economically weaker sections of society — that is, those earning ₹1-2 lakh a year — who borrowed from formal channels, such as banks and NBFCs, contracted by 4.2% between 2018-19 and 2022-23. At the same time, the share of households borrowing from informal or non-institutional sources of credit, such as money lenders, friends, families, and shopkeepers, grew by 5.8%. The data also shows that Bihar accounts for the highest share (18%) of households in India who borrow from non-institutional lenders. The study was based on data from the Centre for Monitoring Indian Economy, an independent private entity that serves as an economic think tank as well as a socioeconomic database. However, many households that borrow from non-institutional lenders also borrow from microfinance institutions, which are regulated by the Reserve Bank of India (RBI), the country's central bank. The RBI defines a microfinance loan as 'a collateral-free loan given to a household having an annual income up to ₹3,00,000'. According to Sa-Dhan, an RBI-approved self-regulatory body for the microfinance sector, there are 224 such institutions in India. While loans from microfinance institutions help impoverished borrowers across India, borrowers are often unable to repay them and fall behind. They also sometimes run away, fearing that microfinance companies will demand repayment using strong-arm tactics. As a result, many households remain trapped in a cycle of debt. When loans become nightmares Chandra belongs to the Musahar community. Musahars are among the 18 Scheduled Castes in Bihar who were recognised as Mahadalits by Chief Minister Nitish Kumar in 2007. They are socially and economically the most backward among Scheduled Castes. Chandra says she doesn't know the name of the bank from which she borrowed a loan; instead, she identifies it by its location — Donar, a locality in Darbhanga. 'I was asked to give my Aadhaar card, nothing else,' she says, about the process of securing the loan. The slip she holds says the loan was taken for 'agriculture-livestock/diary/poultry/cattle' purposes, but Chandra, the mother of two daughters and a son, says she borrowed it for her older daughter's wedding. Before the wedding, the groom's family demanded a motorcycle as part of dowry. Chandra borrowed money from the village mahajan (money lender). When that didn't suffice, she went to a women's self help group (SHG). Finally, she secured a loan, allegedly from RBL Bank. As Chandra's husband has been out of work for several months due to an illness, her family depends entirely on the amount her son sends home. 'He sells apples in Kolkata, so he cannot always send money.' she says. 'After all, everything is so expensive these days.' Chandra also worries that she has a teenage daughter who will 'soon be of marriageable age.' Punam Devi, 42, who is also from the Musahar community, keeps two documents close to her chest. One shows that she took a loan of ₹40,000, allegedly from Pyramid Finserve, an emerging NBFC, in July 2024. Punam borrowed the loan for her younger son, who had been diagnosed with meningitis. The other document shows that she borrowed another loan of ₹75,000, allegedly from Utkarsh Small Finance Bank Limited, a commercial bank focused on 'providing banking and financial services, particularly to underserved and unserved sections of the population, primarily in rural and semi-urban areas.' This loan, borrowed to pay for treatment of her husband who lost a leg in an accident, was cleared on March 23 this year with an interest rate of 28%, as per the document. Punam says she had to pay installments every fortnight. After her husband's accident, the family's income is now nearly negligible, making it all the more challenging for them to repay the loan. Both men were treated at private hospitals. 'We don't get admission in government hospitals,' she says. The other women nod along. Parvati Devi, 38, says her husband works in Bengaluru, Karnataka, as a daily wage labourer. He left 15 days ago and will return only next year. 'We had to borrow money for our eldest daughter's wedding,' says Parvati, who also belongs to the Musahar community. 'We borrowed nearly ₹1.5 lakh from the local money lender four years ago. Unable to repay the loan, I took three loans from three microfinance institutions.' Her total liability amounted to ₹1.35 lakh and she had to pay monthly installments of about ₹7,000. 'Agents never fail to turn up' Chandra, Punam, and Parvati sought loans for weddings or for treatments in hospitals and struggled to repay the amounts. Many of these women accessed microfinance institutions through group lending. In this process, borrowers form small groups and the members of the group are jointly liable for each other's loans. Banks appoint agents to recover overdue loan payments or outstanding debts. The women say recovery agents never fail to turn up, and the amount of money their families have is usually never enough to meet the final sum. This week, a recovery agent stood at Parvati's door, threatening and abusing her the entire day. 'I was not scared,' Parvati says. 'I shouted at him as well. He said he would file a case against me. I told him, so be it.' The recovery agent left only after she managed to put together the amount, which fell short of ₹1,000, she says. Mina Devi is due to pay her monthly instalment of ₹2,450, but she is ₹50 short. 'He [the recovery agent] won't take the amount until I give him the full amount,' she complains. Mina worries about his response. 'Last time he told me, 'Why don't you go to the road and beg? And in the process if you die, the loan will be waived off.'' According to the RBI, when a borrower dies and there is no collateral, the lender can recover the amount from the legal heirs, and only up to the limit of what the heirs inherit. Mina's husband spends at least six months working in the fields in Punjab, so she has to deal with the agents on her own. 'When a male member of the family is not around, the agent hangs around for hours,' she says. Rekha Devi has three separate loans to repay, with the total liability amounting to close to ₹1 lakh. 'He [recovery agent] asked me why I don't sell my body if I have no money to pay the instalment,' she says. The women say the agents often threaten to take away possessions they have painstakingly collected over the years — beds, pressure cookers, gas cylinders, even the odd plastic chair. In Somini Devi's case, this became a reality. Somini's husband is no more. She has six children — three daughters and three sons — and all of them are married. She says she has been left alone to repay the loans she borrowed for their weddings and for other expenses. 'The recovery agent took away everything I had — a table, a chair, my bed, the cooker, the gas cylinder, and even my supply of wheat for the year. He stripped my house empty.' When asked if she reported the incident to the police, she stares blankly. 'How can we?' she murmurs. The women say at least 20-25 families in their village alone have fled fearing recovery agents. As they start counting and naming the families, many of them turn towards Pawan Devi. Pawan took loans from five microfinance institutions for her son's wedding, but she has been unable to repay the amount. Pawan and her family fled the village, spent more than a year in Punjab, and returned only last week. Pawan cannot recall the name of the village where she and her family stayed. 'Barring the biting cold, it was better there,' she says. 'The landlord didn't charge us for electricity or water. There were clean toilets. And we had a regular income working in the fields.' Pawan says what she cherished the most about her stay in Punjab was the absence of recovery agents. But the agents she dreads are now back at her doorstep. 'They come every other day. Sometimes they stand outside for hours. Sometimes they enter the house and start rifling through our papers. The other day, they took away my son's Aadhaar card,' she says. Around 30 kilometres away at Navtol village in Bhawanipur panchayat of Darbhanga district, Mahesh Kumar Roy, who says he is a recovery agent with Muthoot FinCorp, is on his daily rounds of the village. Mahesh, who hails from Darbhanga, goes from house to house on his motorcycle. He pulls out the sheaves of papers rolled up between his motorcycle handles and runs his finger along the names. 'Since 2022, when I joined the company, I have been given 1,100 households to track. At least 450 families who defaulted on their loans have disappeared. I make regular rounds, but all I see is locked homes,' he says. Mahesh adds that people 'disappear only after they have paid 15-16 installments' and 'after we have managed to recover at least 60% of the principal amount.' Mahesh prides himself as a 'decent' agent. Aware of the reputation that recovery agents have, he looks at the crowd gathered around him and asks them whether he is intimidating or threatening. They all say 'no'. Rules on paper The RBI issued exhaustive guidelines in 2022 collating the piecemeal directives it had issued earlier. It said that the lenders must 'provide the flexibility of repayment periodicity on microfinance loans as per borrowers' requirement'. That is, the repayment period of the loan must be moulded to the requirements of the borrowers, rather than the needs of the lender. To ensure that microfinance loans do not unduly burden the borrowers, the RBI directions also include a provision that says each regulated lender must ensure that the monthly repayment burden of a household should not exceed 50% of the monthly income of that household. RBI also has a separate set of guidelines for recovery agents. It defined what would be deemed as harsh methods, such as use of threatening or abusive language, persistently calling the borrower and/or calling the borrower before 9:00 a.m. and after 6:00 p.m., harassing relatives, friends, or co-workers of the borrower, publishing the name of borrowers, the use or threat of use of violence or other similar means to harm the borrower or borrower's family/assets/reputation, or misleading the borrower about the extent of the debt or the consequences of non-repayment. However, the regulations on the interest to be charged on these loans simply say that the interest rates and other charges and fees on microfinance loans 'should not be usurious', and that the RBI would scrutinise this aspect of the loans. Andhra Pradesh, Telangana and Assam have specific regulations for microfinance. Several other States such as Kerala, Gujarat, Tamil Nadu, Karnataka, Maharashtra, and Madhya Pradesh have laws regulating money lenders, which also include microfinance institutions. Assembly elections are scheduled in Bihar in October, but there is no political thrust in the State on bringing in any regulatory mechanism in this regard. Jayati Ghosh, Professor of Economics at the University of Massachusetts Amherst, U.S., says it is not surprising that the RBI guidelines for microfinance institutions are not being implemented since there is often a lack of implementation of State policy. She also says there are fundamental flaws in the microfinancing model. 'While it makes credit accessible for the poor, there is high interest and lack of monitoring of how repayment is ensured, which allows for threats, intimidation, and pressure to take on multiple loans,' she says. 'In many places, linkages with banks through the SBL (SHG-Bank Linkage Scheme) have been provided, but these also provide limited funds. Only in States where these SHGs are effectively co-operatives that create income-generating opportunities (such as Kerala's Kudumbashree) has this been more successful.'
Time of India
19 hours ago
- Time of India
Bill Gates' daughter Phoebe Gates is dating Arthur Donald: Here's who he is
When your dad is one of the richest men on Earth, your dating life tends to spark a little interest. That's exactly what's happening with Phoebe Gates, the youngest daughter of Bill Gates and Melinda French Gates, who's been quietly making headlines not for her startup moves this time, but for her relationship with none other than Arthur Donald — yes, that last name should ring a bell. Who is Arthur Donald? Arthur Donald may not have the paparazzi flash of a Hollywood star, but his lineage is iconic. He's the grandson of Paul McCartney — as in Sir Paul, the legendary Beatle. Arthur is the eldest son of Mary McCartney, Paul's daughter with his first wife Linda, and was born in 1999. He's got that cool British charm, a low-key vibe, and reportedly went to Harvard, where he majored in history. So yes, we're talking elite brains and Beatles blood — a combo that practically writes its own rom-com. Phoebe Gates: More than a billionaire's daughter If you've been following Phoebe Gates, you know she's not just chilling in billion-dollar yachts. The 21-year-old Stanford grad is a tech entrepreneur, fashion innovator, and rising voice in sustainable fashion through her AI-powered shopping platform Phia. Phia is Phoebe Gates' fashion-tech startup that blends sustainability with AI-powered shopping. Co-founded by Phoebe and her friend Sophia Kianni, the app is all about empowering users to make ethical, budget-friendly choices. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Gold Is Surging in 2025 — Smart Traders Are Already In IC Markets Learn More Undo She's also been vocal about using her platform for social causes, women's rights, and climate awareness. Basically, she's got ambition, intellect, and the kind of grounded presence that screams 'I'm not here just for the inheritance.' Phoebe Gates confirmed the relationship recently Phoebe Gates made things Instagram-official, last year, with a sweet photo captioned, 'My boyfriend, Arthur, giving me a lift post-ceremony,' showing Arthur Donald playfully carrying her on his back. The dating buzz first kicked off back in October 2023, as per reports, when Phoebe shared snaps from her Paris trip on Instagram — and yep, Arthur was tagged in one of the pics and spotted in the background. That was enough to set the rumor mill spinning. Later on, the two were seen together at the 'Feud: Capote vs. the Swans' premiere, according to Page Six. And when asked about it in an interview? Phoebe played it cool and kept things private, offering zero details about her relationship status.
Time of India
a day ago
- Time of India
Cabbies threaten to boycott Uber app from today, fares may surge
Pune: Cab rides in the city, Mumbai and Nagpur may be dearer because the Maharashtra Kamgar Sabha, a wing of the Indian Gig Workers' Front, has threatened to boycott the Uber platform from Friday. "Uber approached the Bombay high court against the ongoing protest and strike of cab drivers, following which the court restrained protesting unions and their members from stopping or blocking Uber cabs. Ola and Rapido didn't approach the court like Uber. While we are looking for legal options, cabbies will boycott the Uber application," Keshav Kshirsagar, the president of the Indian Gig Workers' Front, said, after a meeting between the the senior office-bearers of the union and representatives of Pune, Mumbai and Nagpur RTOs at the transport commissioner's office in Mumbai. A majority of cabbies tend to use the Uber application in Pune, a source said. "Cabbies can work on all three applications. With Uber being boycotted, there will definitely be surge pricing," Kshirsagar said. You Can Also Check: Pune AQI | Weather in Pune | Bank Holidays in Pune | Public Holidays in Pune TOI sent a message to the Uber spokesperson seeking the firm's stand on the app boycott plan of the cabbies. A reply was awaited till going to press. Commuters are worried over the cabbie's plan to boycott the Uber app. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like American Investor Warren Buffett Recommends: 5 Books For Turning Your Life Around Blinkist: Warren Buffett's Reading List Undo "Each day, we are being hassled by the cabbies. The fares have shot up. A majority of cabbies opt for the Regional Transport Authority (RTA)-approved fares, not what reflects on the applications. Why doesn't the Pune RTO take any action against them is beyond my understanding," said Koregaon Park's Rajesh Shinde. In Pune, the RTA-approved rate for cabs is Rs75 for the first 3km and Rs25 for every subsequent km. Kshirsagar, the president of the Indian Gig Workers' Front, said nothing concrete came out in Thursday's meeting. "The aggregators had assured in Wednesday's meeting that they would give a letter mentioning the date from when the RTA-approved fares would reflect in their applications. But no such letter has been provided by any of the companies, following which the meeting was convened on Thursday. The officials said RTAs, headed by district collectors, decide these matters. We cannot go on a strike because the high court has prevented us from doing the same. But cabbies can boycott the Uber application," he added.
