As Jewish families across the United States celebrate Passover, an intensifying threat environment is shaping how communities approach the holiday and beyond. Tensions tied to the war with Iran, attacks against Jews and Jewish institutions have led to concerns over the community’s safety and security.From Miami to New York, officials are responding to what they describe as a sustained and evolving threat landscape. At a pre-Passover security strategy briefing at the NYPD, Police Commissioner Jessica Tisch told Jewish community leaders, “It is clear that we will be in a heightened state of alert for the foreseeable future,” a warning that comes as policymakers and security experts point to a widening gap between the level of threat facing Jewish communities and the federal resources available to protect them.Despite security fears, funding for houses of worship in the United States remains below what experts say is needed to meet the current threat, even as antisemitic incidents continue to rise.NYC BOOSTS PATROLS AMID ‘HEIGHTENED THREAT ENVIRONMENT,’ AFTER GUNMAN RAMS TRUCK INTO MICHIGAN SYNAGOGUEAccording to data from the Federal Bureau of Investigation, anti-Jewish hate crimes have consistently accounted for the largest share of religion-based crime incidents in the United States in recent years.The gap between risk and resources has become a central concern for those working directly with affected communities. Scott Feltman, Preventative Security Analyst and Executive Vice President at One Israel Fund, said no religious group should have to choose between remaining open and ensuring safety.”No one should feel unsafe walking into a synagogue, church, mosque or temple in New Jersey or anywhere in America,” Rep. Josh Gottheimer, D-N., told Fox News Digital, who in recent weeks has been advocating for an increase in federal Nonprofit Security Grant Program (NSGP) funding to $1 billion in fiscal year 2027, a proposal currently under consideration in Congress.Recent attacks underscore the urgency. In Michigan, a man rammed a vehicle into a synagogue in West Bloomfield and opened fire while more than 100 preschool children were inside. In California, two Jewish men speaking Hebrew were reportedly assaulted in a restaurant while the attacker shouted antisemitic slurs.Jesse Arm, Manhattan Institute vice president for external affairs, told Fox News Digital, “What the latest attempted massacre made clear — when an Islamist from Dearborn via Lebanon tried to ram an explosive-laden truck into a synagogue preschool in my hometown of West Bloomfield, Michigan — is that security works. The presence of trained, armed guards helped save the lives of 140 American children and their caretakers.SIGN UP FOR ANTISEMITISM EXPOSED NEWSLETTER”But the broader lesson for the Jewish community is that safety cannot be outsourced entirely to the federal government or to any administration. It requires a cultural shift: normalizing lawful firearm ownership and training, hardening facilities at every level, and investing in the day schools, camps and identity-forming institutions that build communities confident and rooted enough to defend themselves.” Arm had praise for the administration in its fight against antisemitism: “President Trump has been a godsend for American Jewry. His administration has been unambiguous in its commitment to Jewish safety — naming antisemitism as a serious national security threat, taking a hard line on campus radicalism and prioritizing the kind of border security and counter-jihadist vigilance that the previous administration routinely soft-pedaled. American Jews should recognize that and be immensely grateful for it.” JEWISH SUMMER CAMPS RAMPING UP SECURITY MEASURES AMID RISING ANTISEMITISM — AND PARENTS ARE FOOTING THE BILLThe federal Nonprofit Security Grant Program, administered by FEMA, currently allows at-risk institutions to apply for up to $200,000 per location. In practice, however, many organizations receive less than that amount, often after delays that can stretch one to three years, and demand for the program has exceeded available funding in recent years, with applications far outpacing the number of grants awarded, according to federal data.Security experts add that the delay between identifying a threat and receiving funding can leave institutions without the protections recommended by security professionals during periods of heightened risk.To address those gaps, experts recommend layered security measures including trained personnel, reinforced entry points, surveillance systems, controlled access and emergency response training, which they estimate require between $400,000 and $500,000 in funding per location, roughly double the current federal cap. Security experts say both the funding level and the timeline for distribution have become central concerns as incidents continue to rise.Steven Ingber, CEO of the Jewish Federation of Detroit, said much of the financial burden for security continues to fall on the Jewish community itself rather than being fully addressed through government support.As that debate continues, officials are urging institutions to remain vigilant and maintain close coordination with local law enforcement, particularly during periods of increased tension tied to global events.Fox News Digital reached out to FEMA for comment but did not receive a response.
WATCH: US Central Command Releases Footage of Strikes on Iranian Military Sites
US Central Command released new unclassified footage of airstrikes against Iranian aircraft and missile sites as US forces escalated the war in Iran on Thursday morning.
This comes after President Trump delivered an address to the nation on Wednesday, where he said, “We’re going to hit them extremely hard over the next two to three weeks. We’re going to bring them back to the stone ages, where they belong.”
“Now, in our 5th week of the campaign, it is my operational assessment that we are making undeniable progress. We don’t see their navy sailing. We don’t see their aircraft flying, and their air and missile defense systems have largely been destroyed,” CENTCOM Commander Adm. Brad Cooper said in a statement, accompanying the release of footage.
WATCH:
As The Gateway Pundit reported, President Trump also posted a video of Iran’s B1 bridge in Karaj, the tallest bridge in the Middle East, being destroyed in an airstrike.
“The biggest bridge in Iran comes tumbling down, never to be used again — Much more to follow! IT IS TIME FOR IRAN TO MAKE A DEAL BEFORE IT IS TOO LATE, AND THERE IS NOTHING LEFT OF WHAT STILL COULD BECOME A GREAT COUNTRY! President DONALD J. TRUMP,” Trump said on Thursday.
WATCH:
Iranian state media also posted the following clip.
This came after Trump announced the US is close to completing all objectives of Operation Epic Fury and appeared to signal an approaching end to the war regardless of whether Iran reopens the Strait of Hormuz.
“In the meantime, discussions are ongoing,” he said, noting that “If there is no deal, we are going to hit each and every one of their electric generating plants very hard and probably simultaneously.”
MORE:
WATCH: “We’re Going to Bring Them Back to the Stone Ages” – Trump Says Iran Strikes Will Continue and All Objectives Will Be Completed “Very Shortly”, Suggests He Will Let the Strait of Hormuz Reopen “Naturally”
The post WATCH: US Central Command Releases Footage of Strikes on Iranian Military Sites appeared first on The Gateway Pundit.
Best Debt Consolidation Loans of April 2026
*Rates and APRs are subject to change. All information provided here is accurate as of March 31, 2026.
Key Takeaways
Overview: Money chose LightStream as the best overall debt consolidation loan provider because of its competitive APRs, low fees and wide range of terms. Discover, PenFed, SoFi and Universal Credit are also named as top lenders.
Editor’s take: If you qualify for a favorable interest rate, make your loan payments on time and don’t accrue any more bad debt in the process, debt consolidation loans — which are unsecured personal loans — can be an effective way to pay off high-interest debt, particularly credit card debt. Be sure to shop around to compare the rates you’d qualify for, and don’t forget to factor in the origination fee, which can add a significant amount to the overall balance.
Methodology: To make our list, we reviewed more than 30 lenders and considered dozens of data points, including interest rates and fees, terms, flexibility and customer satisfaction.
Credit card rates have been climbing in recent years, making it more expensive to service outstanding balances. Managing multiple debts — with varying interest rates, payment amounts and due dates — can be stressful and increases the risk of missing a payment. Consolidating debt, which involves replacing several debts with a single new loan, could be the answer for some borrowers juggling several accounts. Debt consolidation loans aren’t for everyone, but they offer an alternative for people who want to simplify their debt repayment process.
Our top picks for best debt consolidation loans of April 2026
The companies listed below are organized alphabetically.
Discover – Best for Low APRs
LightStream – Best Overall
PenFed – Best for Small Loans
SoFi – Best for Large Loans
Universal Credit – Best for Bad Credit
Pros
No origination fee
Same-day approval
Ranked #3 in J.D. Power 2025 U.S. Consumer Lending Satisfaction Survey
You can apply online or by phone
Cons
Minimum household annual income of $25,000 to qualify
Funds cannot be used to pay secured loans or Discover credit cards
HIGHLIGHTS
APR
7.99%- 24.99%
Term options:
$2,500-$40,000
Term options
36 to 84 months
Minimum credit score
Not specified
Why we chose it: Discover’s low interest rates, especially a competitive starting APR of 7.99% for the most-qualified borrowers, make it our top choice for best debt consolidation loan for people looking for the lowest rate. Upon approval, Discover will pay your credit card issuers within one business day. Discover also doesn’t charge any origination fees, late fees or prepayment fees.
Discover does require applicants to have an individual or household income of at least $25,000 to be eligible for a personal loan. They also evaluate other factors such as your credit history and debt-to-income ratio. Discover, which was acquired by lender Capital One earlier this year, prohibits debt consolidation loan borrowers from using loan proceeds to directly pay any Capital One accounts, a typical condition among lenders. (Note that this restriction includes any Discover or Capital One credit card balances.)
Aside from its debt consolidation loans, Discover offers balance transfer credit cards as another option for borrowers seeking to consolidate and pay off their debts. Discover also gets high marks for customer satisfaction, coming in third in the 2025 J.D. Power Consumer Lending Satisfaction Study.
Pros
No fees for loan origination, late payments or prepayment
0.50% rate discount for setting up Autopay
Cons
Doesn’t provide loan pre-approvals
Doesn’t accept loan applications via phone or fax
Autopay discount only available before loan disbursement
HIGHLIGHTS
APR
7.24% – 23.89% (7.74% – 24.39% without autopay discount)
Loan amount
$5,000 – $100,000
Term options
24 to 84 months
Minimum credit score
Not specified
Why we chose it: We’ve named LightStream (a brand of Truist Bank) as the lender with the best overall debt consolidation loans because it offers decent APRs and a wide range of terms without high fees. Lightstream’s APR range is broadly competitive and it doesn’t charge origination fees. Borrowers can earn a 0.50% discount if they set up autopay, although this discount is only available prior to loan funding. LightStream requires good to excellent credit, although the company says more than 1 in 4 approved applicants do qualify for the lowest available rate. It offers loan amounts of up to $100,000, larger than many of its competitors. Similar to most other lenders’ loan conditions, borrowers are not allowed to use loan funds to pay off another LightStream loan.
LightStream’s “Rate Beat” Program offers an additional 0.1 percentage point off the rate you are approved for by another lender on an unsecured loan as long as you meet certain conditions, including that the loan offer terms and timing are the same.
Read our full review of LightStream personal loans.
Pros
Loans of less than $1,000 available
Accepts co-borrowers
No origination fee or prepayment penalty
Cons
You need to join the credit union to get a loan
Some other lenders have larger loan maximums.
HIGHLIGHTS
APR
6.09% – 17.99% (6.34% – 18.24% without autopay discount)
Loan amount
$600 – $50,000
Term options
12 to 60 months
Minimum credit score
Not disclosed
Why we chose it: With its $600 minimum loan amount, reputation for high customer satisfaction and low interest rates, PenFed is our top pick for the best small debt consolidation loan.
Among the direct lenders we evaluated, PenFed had one of the lowest minimum loan amounts. While a couple of other lenders on our list offered loan amounts as low as $300, PenFed’s terms were generally more favorable, with APRs starting at 6.09% with an autopay discount and no origination fees. If your credit isn’t great, PenFed allows co-borrowers. However, since PenFed is a members-owned federal credit union, you’ll have to become a member. A credit union spokesperson says this process can be completed at the time you get your loan.
In addition to its broadly competitive APRs, you can also earn a 0.25 percentage point discount if you apply online and set up autopay for your loan, the spokesperson says.
Read our full review of PenFed personal loans.
Pros
Large loans available
Ranked above average in J.D. Power 2025 U.S. Consumer Lending Satisfaction Study
Autopay discount of 0.25% available
Cons
Term range isn’t as varied as competitors
Need to open a bank account to get additional 0.25% discount
HIGHLIGHTS
APR
7.74% – 35.49% (8.99% – 35.99% without autopay and bank account direct deposit discounts)
Loan amount
$5,000 – $100,000
Term options
24 to 84 months
Minimum credit score
No minimum specified, but lower scores could affect eligibility, terms and loan rates
Why we chose it: We named SoFi as the best lender for large debt consolidation loans because it offers loans as large as $100,000 and offers decent APRs for borrowers with excellent credit. The company also offers multiple ways to get discounts on rates, although some are easier to get than others. You can get a 0.25% rate discount if you enroll in autopay. You can get a second 0.25% rate discount, although to do so, you have to open up a SoFi bank account and set up direct deposit of at least $1,000 a month, which might be too much of a hassle for some borrowers.
SoFi doesn’t charge a mandatory origination fee, but a company spokesperson says borrowers have the option of paying origination fees of up to 7% to lower their APRs (think of how mortgage borrowers buy points to get a lower rate). Would-be borrowers have the option of applying with a co-applicant, provided that the co-applicant lives at the same address as the primary borrower. If co-applicants qualify for a loan together, they are jointly responsible for paying it back. SoFi notes that the review process for a loan application that includes a co-applicant may take an additional one to two weeks.
Read our full review of SoFi personal loans.
Pros
Informative, easy-to-navigate website
$10 late fee is lower than what some competitors charge
Cons
High origination fees
Limited choice of terms available
HIGHLIGHTS
APR
11.69% – 35.99%
Loan amounts
$1,000 – $50,000
Term options
36 to 60 months
Minimum credit score
560
Why we chose it: While people with excellent credit have their pick of lenders, there aren’t as many options out there for bad credit debt consolidation loans. Like others in this category, Universal Credit offers better rates to borrowers who set up autopay and agree to have a portion of their existing debt paid off directly.
Although — like the rest of our picks — there’s no prepayment penalty, you will have to pay origination fees ranging from 5.25% to 9.99%, which is on the steep side.
If you have a slightly better borrower profile, you might consider looking into Upgrade, Universal Credit’s corporate parent, which offers loans with a lower APR minimum and lower origination fees. A company spokesperson says Upgrade also accepts scores as low as 560, but the underwriting qualifications are stricter.
Other debt consolidation loan companies we considered
Axos Bank
Axos Bank’s minimum 11.79% APR isn’t great, but its maximum 20.84% APR is better than most of its competitors, and borrowers with credit scores as low as 730 might be eligible. While that’s higher than what many fintechs and speciality lenders require, it’s better than the excellent credit required by some traditional banks. Axos does charge an up to 2% origination fee.
LendingClub
Online platform LendingClub offers APRs as low as 6.53%. Although its rates top out at 35.99%, it accepts borrowers with credit scores as low as 600, below what some other lenders require, meaning it could be good option for borrowers with less-than-stellar credit profiles. Loan amounts range from $1,000 to $60,000, with origination fees ranging from 0% to 8%, depending on the specifics of your loan.
Rocket Loans
Rocket’s APR range of 8.01% to 29.69% (including a 0.3% autopay discount) is quite competitive, although it does charge origination fees of up to 9.99%. Its loan amounts range from $2,000 to $45,000. While this is fairly typical for the category, Rocket will lend returning borrowers up to $75,000.
What you need to know about debt consolidation loans
Debt consolidation is a debt management strategy that calls for combining multiple types of debt into a single loan or line of credit. Consolidating debt can potentially reduce your overall interest charges and help you pay off debts more efficiently, as it means borrowers only have a single monthly payment.
How do debt consolidation loans work?
Debt consolidation loans combine other forms of debt into a lower-interest installment loan with more favorable terms. Your credit score and debt-to-income (DTI) ratio will determine the rate you’re offered. A debt consolidation loan might be a good option if the rate is lower than your current debt, so long as you factor in any fees the loan provider may charge as well.
They’re most commonly used to consolidate credit card debt, as this typically has high interest rates and variable rates.
Is a debt consolidation loan right for you?
Debt consolidation loans are a great option if you can get rates and terms that are more favorable than your current debt structure. This will usually require a better than average credit score and a solid history of on-time payments, meaning people carrying a large, high-interest debt load may not meet the minimum credit score requirements. If that’s the case with you, you can try to build your credit before pursuing consolidation or consider other options to pay off debt.
Alternatives to debt consolidation loans
Although debt consolidation loans are effective and can have a positive impact on your financial health, they aren’t the only way to get out of debt. If you’re a homeowner, you can see if using your house as collateral helps you snag a better rate with a home equity loan or home equity line of credit. For borrowers with excellent credit and smaller debt loads they can pay off relatively quickly, a balance transfer credit card — where you can get a 0% interest rate during a temporary promotional period — can be the most cost-effective way to consolidate debt.
Borrowers who can’t get approved for new credit have options, too. Working with a non-profit credit counseling agency to enroll in a debt management plan is a smart one. With these plans, the agency negotiates a lower interest rate with your creditors and you make one monthly payment to your debt counselor, who then splits the money between your creditors. Finally, if you’re already behind on your payments, you may want to explore more serious interventions, like debt settlement or bankruptcy.
How to get a debt consolidation loan
1. Check your credit by requesting your reports from one of the three credit bureaus. This can help you get a better idea of the interest rate you might get before risking a hard pull on your credit. If your score is right on the edge of a lender’s eligibility, getting a second score from a different bureau might be helpful.
2. Add up your debt and figure out the weighted interest rate you’re currently paying on your credit cards and other outstanding debt. This will help you determine the interest rate you’d need from a debt consolidation lender in order for the loan to be worthwhile. Keep in mind that consolidation doesn’t have to be all or nothing: You can consolidate all your credit cards, for example, but leave an existing personal loan on its own if it has a competitive interest rate.
3. Take some time to research and compare lenders, interest rates, loan terms and fees. If you’re not sure where to start, platforms like Credible and Upstart are marketplaces that let you see rates and terms from multiple lenders. [YADIRA – HI! HERE’S THE CREDIBLE + UPSTART REFERENCE]
4. Use a debt-to-income ratio calculator to get an idea of how much you can put toward your debt every month. Lending institutions have different debt-to-income ratio requirements, but as a rule of thumb, you never want your monthly debt payments to equal more than 50% of your income (and many lenders set the threshold lower than that, with 43% another common threshold). Figuring out how much money you can spend servicing your debts every month is a good starting point to figure out what kind of repayment terms you should seek for a debt consolidation loan.
5. Choose a lender offering a lower interest rate than what you currently have. Remember: If you choose a lower monthly payment, that means it will take longer to pay off your loan, which means paying more in interest over the life of the loan.
6. If the pre-approved offers involve a higher interest rate than what you’re currently paying, consider whether you have a friend or family member with a higher credit score who’s willing to act as cosigner.
7. Apply for the loan, and make sure to read the offer’s fine print before accepting it.
8. Obtain the loan funds and pay your debts or, if the lender has a direct payment option, have the lender pay your creditors on your behalf.
How to get a debt consolidation loan with bad credit
Some lenders work with customers with poor credit; however, most lenders will require at least a 620 FICO score (i.e. a “fair” score). Bear in mind that lenders will invariably charge borrowers with little to no credit history their highest annual percentage rates. If you have bad or fair credit, here are three tips to help you get a debt consolidation loan:
Get a secured debt consolidation loan. You can use collateral, such as your car or your home, to guarantee the payment of a secured debt consolidation loan. This type of loan may be easier to get approved for if you have bad credit.
Add a cosigner. If you have a friend or family member with good credit, they may be willing to cosign on your debt consolidation loan. Adding a cosigner may also get you a lower interest rate.
What to look for when choosing a debt consolidation loan
Picking the right debt consolidation loan will depend on your financial goals and how much of a monthly payment you can afford. When choosing a debt consolidation loan, consider the following:
Interest rates
APRs typically range from 6.99% to 35.99%.
Your interest rate will depend on your credit score (FICO or VantageScore), current income and debt-to-income ratio, among other factors.
Aim to find an APR lower than your current interest rates. For example, if you have a 15% average APR on your credit card debt, only consider lenders that offer APRs below that to consolidate your debt.
Fees
Lender fees may include origination, late payment and prepayment penalties.
Origination fees usually range from 0% to 10% of the loan amount.
Late payment fees can be as high as $45, although some lenders charge as little as $10 or $15.
Prepayment penalties are not very common with personal loans, but you should still check for them. They can be a fixed fee, a percentage of the loan balance, or the interest amount the lender loses by the early payment.
Compare lender fees. Not all lenders charge all fees — and some don’t charge any fees at all.
Loan terms and repayment options
Most repayment options range from one to seven years.
Many lenders offer the option of paying creditors directly on your behalf. At some lenders, electing to do this may make you eligible for more favorable loan terms.
Different repayment options include via mobile app, website, over the phone and setting up direct deposit. Some lenders will give you an APR discount for setting up autopay.
Debt Consolidation Loans FAQs
Is debt consolidation a good idea?
Debt consolidation can be a good option for people struggling to manage multiple monthly payments. Exchanging your high interest debt for a more reasonable rate helps you pay down your debt more quickly by reducing your overall interest costs.
However, consolidating debt is only recommended if you have good enough credit that allows you to qualify for that lower interest rate. Be sure to compare rates, loan terms and fees before choosing a loan.
Do debt consolidation loans hurt your credit?
When you apply for a new loan or credit card to consolidate your debts, the initial credit inquiry may temporarily have a small negative impact on your credit score. However, if you consistently make on-time payments on the new consolidated loan or credit card, it can positively impact your credit score over time.
What is the best debt consolidation company?
The best debt consolidation company for you depends on your priorities and your credit profile. We found that LightStream is a good choice for consolidating a large debt. For smaller loans, PenFed is a good option. If you’re looking for more of a one-stop shop, Happy Money offers debt consolidation loans for all types of credit and allows you to compare top lenders in one place.
Latest debt consolidation loan news
A recent report from credit reporting bureau TransUnion found that demand for debt consolidation loans spiked late last year, with subprime borrowers making up a growing share of the new activity.
Lenders — a group increasingly dominated by financial technology or “fintech” firms that compete with traditional brick-and-mortar banks — originated a record-high 7.2 million unsecured personal loans (the category that includes debt consolidation loans) in the third quarter of 2025. Fintechs now originate more than 2 in 5 unsecured personal loans. Their increasingly large footprint has made competition between the fintechs themselves as well as with traditional banks more intense.
This lending volume represented a roughly 21% year-over-year increase in demand and brought the total number of borrowers to 26.4 million. The typical borrower had a balance of roughly $11,700. Although interest rates have come down somewhat, the median APR ticked up to just over 21%. Rates for the riskiest borrowers actually dropped slightly, though, to a median of roughly 32%, reflecting greater competition for borrowers with credit scores below 600.
How we chose the best debt consolidation loans
Our editors and writers evaluate debt consolidation loans independently, ensuring our content is precise and guided by editorial integrity. To select the best debt consolidation loans, we reviewed the products of more than 30 lenders, prioritizing overall costs, special offers and customer satisfaction. Specifically, we took into consideration the following:
Interest rates. We chose lenders that offered some of the lowest APRs on the market. Today’s lending market is increasingly bifurcated, with the most highly-qualified borrowers able to get APRs in the single digits, in some cases, while rates for people with less-than-great credit have crept up.
Flexible loan terms. We favored lenders that offered a wide array of repayment terms, from one year to more than five years, and imposed the fewest restrictions on what types of debts could be consolidated.
Streamlined application process and fast funding. While some lenders do require customers to call or visit a bank branch, we favored those that made the application and funding process as quick and painless as possible.
Customer satisfaction: We also took into account customer reviews from third party consumer review platforms and rankings with the Better Business Bureau.
Few or no fees. Most lenders charge fees; we looked for those that charged the least.
Summary of our top picks for debt consolidation loans of April 2026
The companies listed below are organized alphabetically.
Discover – Best for Low APRs
LightStream – Best Overall
PenFed – Best for Small Loans
SoFi – Best for Large Loans
Universal Credit – Best for Bad Credit
Immigration Health Care Fraud Found Among $50M Fraud Charged in FBI’s L.A. Sweep
Eight federal arrests were made in Los Angeles, California pertaining to $50 million of national health care fraud – including one case involving immigration law violations, the U.S. Justice Department reported Thursday.
The U.S. Attorney’s Office for the Central District of California details the law enforcement sweep, which included the Federal Bureau of Investigation (FBI), in an announcement:
“In coordination with the Vice President’s Task Force to Eliminate Fraud, eight defendants, including three nurses, a chiropractor, and a psychologist, have been arrested on federal charges that they schemed to defraud the nation’s health care system out of more than $50 million – including by running sham hospice care facilities that bilked Medicare by using people without terminal illnesses as beneficiaries.”
Alleged crimes committed by those charged include:
Using their own or their accomplices’ companies to submit millions of dollars of fraudulent hospice claims to Medicare.
Billing Medicare for hospice services for beneficiaries who were not terminally ill.
Scheming to defraud Medicare by paying illegal kickbacks for the referral of patients who were not dying to hospices.
Operating fraudulent hospice care facilities – in one case, while the suspect was free on bond awaiting a hospice fraud trial.
Committing wire fraud.
Submitting false claims to Medicare for physician hospice services that were not provided to patients.
Forging the signature of a physician on Medicare enrollment forms.
Using a co-conspirator’s name and ID number to file fraudulent claims, in exchange for a portion of the proceeds.
Some of the hospices had non-death discharge rates that were nearly five times higher than the national average, suggesting that many of those taken into care were not actually terminally-ill, as claimed.
Additionally, money that was paid to provide patient care was actually used for personal expenses such as mortgage payments, car payments, international flights, restaurants, and personal bills.
In the case of immigration health care fraud, Young Joo Ko, 59, of East Hollywood and a lawful permanent resident from South Korea, was arrested on a federal criminal complaint charging her with fraud and misuse of visas, permits, and other documents.
According to an affidavit filed with the complaint, Ko engaged in a medical fraud scheme exploiting the green card application process by creating fraudulent immigration documents.
Civil surgeons designated by U.S. Citizenship and Immigration Services (USCIS) and operating in the Los Angeles area did not examine green card applicants as required by law.
Instead, Ko – for a fee – fraudulently prepared the required forms by presenting herself as a nurse or doctor and indicating false compliance with medical examination requirements necessary for immigration applicants to register permanent residence or adjust their immigration status, according to allegations.
Homeland Security Investigations (HIS), IRS Criminal Investigation, and United States Citizenship and Immigration Services (USCIS) are investigating this matter.
Conservative Portland State professor upset after faculty book club pick features broad criticism of Whites
A professor at Portland State University is sounding the alarm over the book selection for the school’s faculty book club starting on April 17. “My institution, Portland State, is having faculty read a book in Spring quarter on the awful scourge of White people at the institution,” Bruce Gilley, professor of political science at Portland State University, wrote in a March 26 post on X. “Here are the references to Whites from the book,” Gilley wrote, referencing the book to be discussed, “Culture Clash,” by David Peterson del Mar, a former PSU professor, and Alejandra Vazquez, who says she was a co-author and research assistant from Jan. 2023-Oct. 2025 at PSU on her LinkedIn page. HARVARD STUDENT EXPOSES ‘SYSTEMATIC’ LIBERAL BIAS FORCING CONSERVATIVES TO AVOID CERTAIN CLASSESThe book, according to PSU’s event page for the faculty book club, features almost 100 interviews with students, and “invites us to listen closely to how students describe their learning experiences at PSU — the strengths they bring, the challenges they navigate, and the kinds of teaching and support that helped them succeed.”It adds that, “Together, we’ll reflect on what their stories can teach us and explore the recommendations students and faculty share for creating learning environments where more PSU students can thrive.”The first reference to “Whites” in the book that Gilley listed reads, “Those with the most job security in this system tend to be White males from comfortable backgrounds who were raised in highly individualistic families and cultures.” ILLINOIS DISTRICT WHERE FACULTY CELEBRATED CHARLIE KIRK’S DEATH EXPOSED OVER RACIAL ‘SEGREGATION’ PLANAnother example listed by Gilley reads, “‘I can’t share with these White professors,’ she explains, and often feels ‘like I’m a rubber duck in a pond of real [White] ducks.’”An additional example was, “‘Some students,’ mostly White, ‘are stingy and don’t want others to get ahead of them.’” The book also states, “Many of the students we interviewed have described how White professors and students seemed determined to use complicated language and terminology to demonstrate their superior intelligence, even – or particularly – when they were describing socially progressive points of view.” Another quote featured in the book from chapter 6, “‘FIGHTING IS ALL I KNOW’: ALEJANDRA’S STORY” states, “I had to coexist with racists, white supremacists, and dangerously ignorant people.”The final example in the book shared in part by Gilley on X states, “Academic culture is a sort of distillation or intensified version of White, upper-middle-class culture in that expressing progressive points of view on topics such as inequality and racism is often more common and valued than working closely with people who have been marginalized.” CRITICS SAY K-12 ETHNIC STUDIES PUSH TEACH STUDENTS ABOUT CISHETERONORMATIVITY, BLACK PANTHER PARTYIn a statement to Fox News Digital, a spokesperson for PSU relayed that, “The quarterly book club is an optional program for faculty and staff to connect. This term’s selection, ‘Culture Clash: New Majority Students at PSU,’ was authored by a retired professor and a PSU alum. It is based on nearly 100 interviews detailing the student experience — specifically the strengths they bring, the challenges they navigate and the support systems that help them succeed.” The spokesperson added, “The book offers an honest look at the emotional and practical realities of balancing academics with family, work and cultural expectations. Portland State University remains committed to academic freedom and providing a welcoming home for free speech and diverse perspectives.”Gilley told Fox News Digital in a statement that, “There are many serious legal and ethical problems with even publishing such a book, much less using it for faculty training. Most obvious, it contains dozens of disparaging characterizations of White people that, if directed at any other racial or ethnic group, would be immediately recognized as unacceptable stereotyping and would likely violate both state and federal civil rights protections as well as university policies regarding hostile educational environments. The pervasive pattern of negative generalizations about white students, faculty, and ‘White culture’ raises serious questions about whether Portland State University is fulfilling its obligations under state law to provide an equitable, non-discriminatory educational environment for all Oregon students.” He added, “The book presents White people—students, faculty, and professionals—as a monolithic group characterized by arrogance, selfishness, insensitivity, lack of empathy, intellectual showboating, privilege-blindness, and active or passive racism. If this book had characterized any other racial group—African Americans, Latinos, Asian Americans, Native Americans—in similarly sweeping negative terms, would PSU have published it and encouraged faculty to incorporate it into their teaching? If not, what principle justifies different treatment based on the racial group being characterized?”Fox News Digital attempted to reach Peterson del Mar and Vazquez for comment.
‘We want to be inclusive’: NFL coach presumes to ‘educate’ player who expressed Christian beliefs
A prominent coach in the National Football League is presuming to “educate” a player who responded to a social dispute and endorsed the Christian message of another athlete.
Fox said the coach is Mike Vrabel of the New England Patriots and running back TreVeyon Henderson the player.
Vrabel was questioned about Henderson’s statement supporting Christianity, and responded, “I think there is a fine line. I want to tell you, I love TreVeyon. I love the person. He cares deeply about our team. He cares deeply about his faith. He cares deeply about his family, his wife, the people in our building. And so I want them to be able to express what they believe in their heart and in their mind, but also want to make sure that they’re educated. And we want to be inclusive.
“”Everything we want to do [is] to provide an environment for people to want to feel comfortable, but also to share their personal beliefs. And then also, we represent the team. And we represent the organization,” he said.
The fracas got under way when guard Jaden Ivey, formerly of the Chicago Bulls, responded to the NBA’s promotion of the politically correct but anti-biblical LGBT agenda.
“The world can proclaim LGBTQ, right?” he said in a video. “They proclaim Pride Month and the NBA. They proclaim it. They show it to the world. They say, ‘Come join us for Pride Month to celebrate unrighteousness.’ They proclaim it. They proclaim it on the billboards. They proclaim in the streets. Unrighteousness. So, how is it that one can’t speak righteousness? Who are they to say that this man is crazy?”
The Bulls released him, claiming his conduct was detrimental to the team.
Henderson then tweeted the video of Ivey, which has now gone viral, and responded with a Bible verse, saying, “Blessed are those who are persecuted for righteousness’ sake, For theirs is the kingdom of heaven.”
The quote was from Matthew 5:10.
Vrabel continued trying to walk the line between the two sides of the social agenda, promising to talk to Henderson.
“(We) certainly want to make sure that they understand that their actions represent something more than just themselves,” he said. “And so I do think there’s a line. We’re always talking about those kinds of things. We’re trying to educate them, no different than myself or you guys or my kids.”
A report at the Blaze said Henderson has been open about his faith.
And Vrabel several times insisted that his players will be educated.
Houthis Confirm Coordination With Iran, Hezbollah In Several Attack Waves On Israel
Houthis Confirm Coordination With Iran, Hezbollah In Several Attack Waves On Israel
Amid several waves of missile strikes out of Yemen onto Israel from Tuesday into Wednesday, the Iran-aligned Houthis have made it clear they are coordinating with both Tehran and Hezbollah.
Yemeni Brigadier General Yahya Saree said the Houthis have carried out several missile launch operations on “sensitive targets” in “southern occupied Palestine”. The statement underscored this was conducted “in continuation of supporting and backing the fronts of Resistance” and as part of a “religious, moral, and humanitarian duty” toward allied forces in Iran, Iraq, Lebanon, and Palestine – specifically saying there was coordination with Iran.
Getty Images
The Houthis first announced last week they would be joining the war, but it has been the last 24 to 48 hours that Israel has really been subject of some of the biggest inbound rocket attacks in weeks.
This is because not only have Houthi forces stepped up attacks alongside Iran, but Hezbollah is increasing them too:
Four people were lightly injured as Hezbollah fired around 130 rockets at northern Israel on Wednesday and Thursday, the start of the Passover holiday, as the military struck dozens of sites in Lebanon belonging to the Iran-backed terror group.
The bombardment as Israelis celebrated the first two days of the Passover festival sent hundreds of thousands of people into shelters, as Iran continued to also launch missiles at the country, including the north.
The Houthis have very powerful, and longer-range rockets (compared to Hezbollah, apparently) – which were supplied (or assisted in terms of development) by Iran.
The Houthis are warning of more missile waves to come so long as Iran is attacked, saying the US-Israeli strikes “will only push free Yemen toward further escalation.”
One conflict monitor has compiled some recent examples of the tight Iran-Hezbollah-Houthi coordination this week:
The coordination seems to have been primarily the timing of the launch, as Iranian missiles were launched at Tel Aviv and Bnai Brak at the same time, wounding 14, and Lebanon’s Hezbollah fired rockets at the northern city of Kiryat Shmona, announcing it as the start of the “Khaybar 2″ operation in defense of Lebanon.
The Houthis had previously targeted the resort city of Eilat with missile strikes, and there were missiles that hit that city, though Israeli media has continued to maintain that all the missiles and drones fired by the Houthis were successfully intercepted, so it’s not clear where the Eilat missile actually came from.
Footage shows an Iranian ballistic missile hitting central Israel.
No injuries. pic.twitter.com/u7BAH5CVLw
— Open Source Intel (@Osint613) April 2, 2026
A big lingering uncertainty regarding Yemen’s role in the conflict is whether the Houthis will start attacking Red Sea shipping once again. It has already threatened to, and such an escalation would add to deep uncertainty and rising prices in oil and energy markets.
Tyler Durden
Thu, 04/02/2026 – 17:00
The Reason You’re Tired Has Nothing to Do With How You Slept Last Night
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‘Biological differences’: Deep blue state sued AGAIN for demanding others parrot LGBT fantasies
Anti-Christian leftists in Colorado’s government tried to take over the speech of a highly respected cake artist and force him to parrot their LGBT fantasies.
They lost, at the Supreme Court, and Colorado taxpayers were on the hook for the losing fight.
Then those same anti-Christian leftists in Colorado’s government tried to take over the speech of a popular website designer and force her to preach their LGBT ideologies.
They lost again, at the Supreme Court, and Colorado taxpayers again were on the hook.
It happened again just days ago, when the Supreme Court struck down Colorado’s “law” that told counselors they could promote the LGBT ideologies to clients, but could not tell them of the option of learning to live their lives in the sex they were born.
That Colorado officials wildly and incorrectly characterized as “conversation therapy” as counselors were not “converting” anyone, just discussing with clients their choices and options.
The high court had no trouble identifying the state’s agenda for viewpoint discrimination, which is not allowed.
Even as they cases were argued, the state attacked Christian organizations in a number of other ways, and repeatedly struck out.
So the state’s newest assault on faith could be strike six, or seven, or eight already.
In this fight, the state has banned companies from speaking truthfully about the biological differences between men and women.
This war focuses on the transgenderism that leftists, including Joe Biden, promoted for years but fails scientifically as being male or female is embedded in the human body down to the DNA level and does not change.
It is the ADF that announced it is representing a Colorado athletic apparel company and a Christian bookstore with notices of appeal after a district court’s politicized decision ordering XX-XY Athletics and Born Again Used Books not to be truthful.
“Colorado continues to place itself on the wrong side of the law by forcing Coloradans to speak against their conscience,” said ADF lawyer Hal Frampton. “As the U.S. Supreme Court reaffirmed this week when it ruled against another Colorado law in Chiles v. Salazar, the government shouldn’t be able to censor speech or force people to speak views they disagree with. We are asking the appeals court to protect the ability of Coloradans to openly express their beliefs on a hotly debated issue.”
Colorado law, in fact, restricts the ability of people “to speak truthfully about the biological differences between men and women.”
In that Chiles decision, the high court confirmed, “The First Amendment stands as a shield against any effort to enforce orthodoxy in thought or speech in this country. It reflects instead a judgment that every American possesses an inalienable right to think and speak freely, and a faith in the free marketplace of ideas as the best means for discovering truth. However well-intentioned, any law that suppresses speech based on viewpoint represents an ‘egregious’ assault on both of those commitments.”
Colorado Gov. Jared Polis, a homosexual married to a man, signed into law a change to the beleaguered Colorado Anti-Discrimination Act to define “gender expression” to include a person’s “chosen name” and “how an individual chooses to be addressed.”
The law purports to demand that businesses use biologically incorrect language when interacting with customers, in ads and so on.
The offense by XX-XY Athletics is that the company refers to male athletes and male customers as male.
The family owned bookstore is being forced to violate the owner’s Christian beliefs by calling men women, and vice versa.
The state’s earlier catastrophes have included the attack of Jack Phillips of Masterpiece Cakeshop, and the web designer behind 3030 Creative.
The counselor’s case was brought against the state on behalf of Kaley Chiles.
Early Apple stock investors now earn a 5.2 percent dividend yield
Most people think of Apple as a growth stock. But for investors who got in early, it has quietly become something else entirely — a powerful dividend stock.The numbers tell a compelling story. A modest $1,000 investment in Apple (AAPL) back in 2012 has turned into something that now throws off real, growing income every year. It’s not on the back of some aggressive income strategy, either. It’s because the Dow 30 heavyweight kept raising its dividend, year after year, while its stock climbed.That’s the magic of yield-on-cost, a concept that doesn’t get nearly enough attention. It rewards patient investors in ways the current dividend yield never shows.Apple is a top dividend stockApple first started paying a dividend in 2012. The annualized payout was just $0.38 per share, and the stock was trading around $20 per share (split-adjusted).Related: Bank of America revamps Apple price targetA $1,000 investment at that price would have bought roughly 50 shares.Those 50 shares would have paid just $19 in annual dividends. That’s a yield of 1.9% on the original investment. Decent, but not remarkable.Fast forward to 2026. Apple’s annualized dividend has grown to $1.04 per share. Those same 50 shares now generate $52 per year in dividend income.That’s a yield-on-cost of 5.2%, which is quite exceptional. And that’s before counting the enormous appreciation in the stock itself. In the last 14 years, Apple stock has returned 1,410% to shareholders after adjusting for dividend reinvestments. It means a $1,000 investment in AAPL stock in April 2012 would be worth more than $15,000 today. Apple stock dividend ratios investors should knowCurrent annual dividend: $1.04 per shareCurrent dividend yield: About 0.4% (based on the current share price)Yield-on-cost (2012 investors): 5.2%Dividend growth since 2012: Roughly 174% total increase in per-share payoutAnnual dividend expense: $15.3 billionFree cash flow (2026 estimate): $137.5 billionPayout ratio: Approximately 11% (meaning Apple pays out only a small fraction of earnings, leaving plenty of room to keep raising the dividend)Consecutive years of dividend growth: 13 years and countingThe low payout ratio is one of the most important numbers here. It tells you the dividend isn’t being stretched. Apple earns far more than it pays out, which is exactly what you want from a dividend stock built for the long haul.
Apple just reported record sales in fiscal Q1.Shutterstock
Apple’s business keeps fueling dividend growthOne reason to believe the dividend keeps climbing? Apple just reported the best quarter in its history.Revenue hit $143.8 billion in the December quarter, up 16% year over year (YoY). iPhone revenue jumped 23% YoY to $85.3 billion. Services hit a record of $30 billion. Earnings per share reached $2.84, up 19% YoY.Apple CEO Tim Cook called it “a quarter for the record books.”The iPhone maker also generated $53.9 billion in operating cash flow, another all-time high. That kind of cash generation is what allows Apple to keep buying back shares and raising its dividend without breaking a sweat.“During the quarter, we returned nearly $32 billion to shareholders,” CFO Kevan Parekh stated. “This included $3.9 billion in dividends and equivalents and $25 billion through open market repurchases of 93 million Apple shares.”The installed base of active devices surpassed 2.5 billion for the first time. That massive recurring revenue engine doesn’t slow down easily.For income investors evaluating Apple as a dividend stock, the takeaway is simple. The payout ratio is low, the cash flow is enormous, and management has shown no hesitation in returning capital to shareholders.Apple’s real reward: time in the marketThe 5.2% yield-on-cost story is ultimately a lesson in patience.Apple’s current dividend yield of around 0.4% looks underwhelming on paper. If you screen for income stocks today, Apple won’t show up on most lists. More on dividend stocks:Morningstar is bullish on 2 AI dividend stocksMacy’s new AI tool drives 400% sales jump for the dividend stockEnergy Transfer stands out as high-yield dividend stockBut investors who bought in 2012 and held on don’t see a 0.5% yield. They see 5.2% — and growing.That gap between the current yield and the yield-on-cost is what long-term compounding looks like in practice.Investors just need to buy a great business when it is still building momentum, and let time do the work.The AAPL stock buybacks also matter for dividend investors, since fewer shares outstanding means each remaining share represents a larger slice of future payouts.For investors still on the sidelines, the yield today may look thin. But if Apple’s track record is any guide, the investors buying now could be telling a very similar story a decade from now.Related: Mega-cap dividend stock targets $9 trillion valuation