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Bill Gates warns AI is ‘powerful enough to drive events that cause a billion deaths’

Bill Gates walks outside during the Allen & Co. Media and Technology Conference in Sun Valley, Idaho.
Bill Gates said AI could drive events that lead to “a billion deaths.”
  • Bill Gates is pro-government regulation of AI companies.
  • In an upcoming interview with “Meet the Press,” Microsoft’s cofounder said the tech could “cause a billion deaths.”
  • Microsoft CEO Satya Nadella has urged the AI industry to prioritize safety.

Bill Gates has some serious fears about how AI can be misused.

The cofounder of Microsoft made grave warnings about the tech in an interview with NBC’s “Meet the Press,” saying that “AI is certainly powerful enough to drive events that cause a billion deaths.”

Gates also said that the industry needs government regulation. “You need law enforcement and the politicians to get into the discussion about what safeguards and monitoring look like,” he said.

Gates’ comments echo those of Anthropic CEO Dario Amodei, who said in a September essay calling on frontier AI companies to slow down development that the “most effective method of pacing is via regulation.”

In a clip of the “Meet the Press” published on Thursday ahead of the full interview on Sunday, Gates said he worries about bad actors getting their hands on advanced AI tools. Anthropic recently published a report detailing several instances where state and non-state actors used Claude to plan drone attacks and for dangerous biological research.

Amodei’s essay calling for AI pacing, which received support from Elon Musk and Sam Altman, was published in the wake of warnings from ex-Anthropic researcher Jacob Coxon, who wrote a viral post about resigning and AI labs “gambling with our lives.”

The AI safety warnings have so far failed to convince Washington that development of the tech should be paused or slowed down. President Donald Trump, for his part, mocked Amodei, accusing him of “pretending to be a ‘perfect little angel.'” Trump has signaled strong disinterest in regulating AI, though he did pledge last week to create an “AI Force” that would “watch over” AI companies.

Even Satya Nadella, Microsoft’s CEO and chairman, has appeared reticent to call for all-out regulation of the tech. In a recent appearance on the All-In Podcast, Nadella said AI companies should handle things on their own.

“If you see a show-stopper,” Nadella said, referring to anomalies in code that could produce rogue AI agents, “stop the show.”

Though there is broad agreement across Silicon Valley that AI companies should implement more robust safeguards to protect against incidents like OpenAI’s breach of Hugging Face, CEOs differ on how such safeguards should be enforced.

This month, Nadella warned in a memo to Microsoft employees viewed by Business Insider that companies must take time to make the technology safe.

Gates, who now serves as a technology advisor to Nadella and other Microsoft executives, was previously one of AI’s most outspoken optimists before changing course over the summer.

In an essay he published in August, Gates said the world has no plan to roll out AI safely.

“I believe we need time to prepare for the period of social, political, and economic upheaval we are about to enter,” he said. “If someone had a credible plan for slowing down AI advances globally, I would likely support it.”

Read the original article on Business Insider

I wasn’t ready to leave my college, so I took a job at my alma mater. It gave me the closure graduation never did.

The writer is sitting at a desk with her feet propped up.
Taking a job at my college after graduating was a strange and confusing experience, but worth it.
  • After graduating from college, I wasn’t ready to leave, so I applied for an admin job at my school.
  • I loved working there, but sometimes felt stuck in the past, jealous of other students.
  • Overall, the position helped me prepare for my next career step and feel ready to go out on my own.

When I was in college in New York City, I loved the theater department so much that it became a punchline: my friends and I joked that after graduation, I would take a job there and stay forever. Little did we know that would actually become my reality.

After earning my degree in May 2022, I faced an uncertain job market in an industry still struggling to recover from the COVID-19 pandemic, which had forced my hands-on theater program to transition to remote learning.

Even though I was beginning to build a freelance career in theater, I wanted a day job to offer some stability in an unpredictable field. So, when a job as the administrator of my college theater department opened up, I applied, and a yearslong joke came true.

On paper, it was the perfect position: stable, better-paying than a comparable administrative role at a commercial theater, with ample time off and the flexibility to freelance as a director and writer. Above all, it was something I loved doing — managing the operations of a place I knew inside and out, surrounded by colleagues who had been my teachers, mentors, and friends for years.

In reality, the job was so much more than that: It allowed me to retrace the footsteps of my college self in a way I never would’ve imagined.

The theater department became my lifeline, but after a while, it made me feel stuck in the past

The writer is standing on the stage in a theater at Barnard College.
When I was still a student, I felt like I hadn’t received a full college experience, so I stayed.

At the start of the pandemic, I was a sophomore in college. Like universities everywhere, we had to adjust to online learning, with campus operations not “returning to normal” until the spring of 2021.

So, two years later, by the end of my senior year, as I started preparing to say goodbye to a place that had become a lifeline, I balked.

I thought it was unfair that half my undergraduate career had been in a virtual or hybrid format, and this sense of betrayal froze me in my tracks. So, because I felt I hadn’t had a full college experience and that I was unprepared to make the high-stakes choices required of graduates, I decided to stay.

There’s a touching scene in Greta Gerwig and Noah Baumbach’s film “Frances Ha,” in which the titular character returns to her alma mater as a resident assistant for a summer program. Frances, expecting to fall back into the comfort of her old routine, shows up for a dance class only to be told it’s just for students. It’s a bittersweet moment in which she is forced to realize that, even if she doesn’t feel like it, she has grown up.

I felt some version of this embarrassing alienation almost every day at work. Not only did I miss being a student in the department more than I was willing to admit, but I yearned for the experiences I never got to have. I couldn’t help but feel jealous as new generations of students enjoyed field trips to theater productions around New York City, studied abroad, and took classes I would never get to take.

I watched each class of graduates displace me further from my own school days with a mixture of pride, melancholy, and envy that they were ready to inhabit the world beyond these halls.

Why couldn’t I bring myself to do the same?

It took 4 more years, but I finally felt ready to leave

The entrance to Minor Latham Playhouse, with open doors, a checkered floor, a red ladder, and large wall signage.
Leaving this theater department felt like a second graduation, but this time I was ready to go out on my own.

Despite these complicated feelings, I thrived in my job. The more I did, the more confident I became, until one day I looked around and realized that both my skill set and my confidence had grown beyond my circumstances.

I produced dozens of plays, elevated the visibility of our productions within the university and beyond, built lasting professional relationships with individuals I admire, and most importantly, helped students find their artistic voices.

In the end, forces outside my control dictated my exit, and after four years in the role, my job was eliminated as part of restructuring. I was heartbroken — and almost immediately relieved.

Having this choice made for me was easier than making it for myself: I could leave the party while I was still having fun.

I had stayed for an additional four years, an entire college life-cycle, and in that time, the school and I had both changed.

I realized I had finally maximized what I could learn at the place that taught me most of what I know. This, I thought, is how people are supposed to feel at the end of college. It was time to use what I had learned without losing the fondness for the place I had loved as a student.

Leaving felt like a second graduation, except this time, I actually feel prepared to leave the world of higher education behind and pursue a career as a freelance writer and director.

Without the sometimes messy, painful, wonderful experience I had in that job, I might never have felt prepared to make that leap.

Read the original article on Business Insider

Each state’s infrastructure, ranked worst to best

Downtown Portland skyline stretches below snow-covered Mount Hood under a clear blue sky.
Oregon was ranked among the states with one of the best infrastructure systems in the country.
  • Slow internet, long commutes, and expensive electricity are often beyond our control.
  • Yet, these daily inconveniences can make a massive impact on your quality of life.
  • US News & World Report ranked the quality of infrastructure across all 50 states.

Infrastructure has a big impact on the quality of day-to-day life.

Whether you’re struggling to get around because of poor road quality, unreliable public transportation, or your neighborhood experiences frequent power outages, weak infrastructure can make everyday life more difficult.

It’s also something that varies massively from state to state.

US News & World Report compiled a ranking of states with the best and worst infrastructure, which forms part of its annual ranking of the best states to live in.

To determine the quality of each state’s infrastructure, US News & World Report examined three categories: energy, internet access, and transportation.

For energy, it calculated the average retail electricity price, power grid reliability, and renewable energy usage.

Internet access was analyzed by looking at the broadband subscription internet and access to high-speed broadband internet.

For transport, the metrics were commute time, bridge quality, road quality, and public transit usage. Each state was then ranked based on these metrics.

US News & World Report prioritized recent and standardized data from government sources to compile the ranking.

Here is the infrastructure quality of all 50 states, from worst to best.

50. West Virginia
Downtown Charleston skyline rises behind trees and a riverfront on a clear sunny day.
Charleston, West Virginia.

Transportation: 49th

Energy: 49th

Internet access: 49th

49. Mississippi
Downtown Jackson skyline with the Mississippi State Capitol’s gold dome, office towers, trees, roads, and parking lots.
Jackson, Mississippi.

Transportation: 46th

Energy: 47th

Internet access: 48th

48. Alaska
Downtown Anchorage skyline at sunset with snow-covered mountains behind waterfront neighborhoods in the foreground.
Anchorage, Alaska.

Transportation: 12th

Energy: 48th

Internet access: 47th

47. Rhode Island
Aerial view of downtown Providence with the Providence River, pedestrian bridge, riverwalks, and skyline at sunset.
Providence, Rhode Island.

Transportation: 50th

Energy: 44th

Internet access: 36th

46. Louisiana
Nighttime New Orleans skyline with illuminated high-rises and a green-lit bridge over the Mississippi River.
New Orleans, Louisiana.

Transportation: 48th

Energy: 38th

Internet access: 44th

45. New Mexico
Albuquerque cityscape at golden hour with the Sandia Mountains rising behind downtown buildings and residential neighborhoods.
Albuquerque, New Mexico.

Transportation: 37th

Energy: 16th

Internet access: 50th

44. Hawaii
Palm trees frame a waterfront lagoon, marina, and high-rise skyline under colorful sunset clouds in Honolulu.
Honolulu, Hawaii.

Transportation: 28th

Energy: 50th

Internet access: 16th

43. Pennsylvania
Center City Philadelphia skyline rises above the Schuylkill River with bridge traffic and sunset reflections.
Philadelphia, Pennsylvania.

Transportation: 47th

Energy: 36th

Internet access: 34th

42. Michigan
Downtown Detroit skyline with the Detroit River and high-rise buildings under a partly cloudy sky.
Detroit, Michigan.

Transportation: 38th

Energy: 37th

Internet access: 38th

41. Maine
Portland, Maine skyline with church steeples, city buildings, autumn trees, and houses lit by warm sunset.
Portland, Maine.

Transportation: 43rd

Energy: 40th

Internet access: 32nd

40. Arkansas
Curving wooden boardwalks cross a reflective river beside green parkland and a city skyline under cloudy skies.
Little Rock, Arkansas.

Transportation: 33rd

Energy: 33rd

Internet access: 41st

39. Virginia
Aerial view of a wide sandy beach lined with high-rise oceanfront buildings beside waves under a clear sky.
Virginia Beach, Virginia.

Transportation: 34th

Energy: 28th

Internet access: 37th

38. Massachusetts
Boston waterfront skyline with boats, a cobblestone harborwalk, chain posts, and high-rise buildings along the water.
Boston, Massachusetts.

Transportation: 45th

Energy: 43rd

Internet access: 14th

37. Wisconsin
Aerial view of downtown Milwaukee skyline with surrounding neighborhoods, Lake Michigan, and the Milwaukee River at sunset.
Milwaukee, Wisconsin

Transportation: 31st

Energy: 12th

Internet access: 42nd

36. Wyoming
Downtown street with storefronts, traffic lights, parked cars, and a large mural reading “WYOMING HOME.”
Cheyenne, Wyoming.

Transportation: 6th

Energy: 18th

Internet access: 46th

35. Missouri
Downtown Kansas City skyline rises beyond green parkland and roads in warm evening light.
Kansas City, Missouri.

Transportation: 36th

Energy: 22nd

Internet access: 33rd

34. New York
New York, New York.
New York, New York.

Transportation: 32nd

Energy: 35th

Internet access: 27th

33. Montana
Downtown skyline and tree-filled neighborhoods stretch toward distant hills under a cloudy blue sky.
Billings, Montana.

Transportation: 11th

Energy: 14th

Internet access: 45th

32. California
Downtown Los Angeles skyline rises beyond palm trees and residential neighborhoods under a clear blue sky.
Los Angeles, California.

Transportation: 42nd

Energy: 46th

Internet access: 8th

31. Ohio
Columbus skyline reflects in the Scioto River at sunset with an arched bridge in the foreground.
Columbus, Ohio.

Transportation: 16th

Energy: 32nd

Internet access: 39th

30. Alabama
Dusk Over The Downtown Urban City Center of Huntsville Alabama
Dusk Over The Downtown Urban City Center of Huntsville Alabama

Transportation: 21st

Energy: 19th

Internet access: 40th

29. South Carolina
Aerial view of historic Charleston rooftops, church steeples, palm-lined streets, and downtown buildings at sunset.
Charleston, South Carolina.

Transportation: 40th

Energy: 20th

Internet access: 25th

28. Kentucky
Louisville skyline glows at dusk with high-rises reflected in the calm Ohio River.
Louisville, Kentucky.

Transportation: 17th

Energy: 30th

Internet access: 30th

27. Idaho
Downtown Boise skyline and Idaho State Capitol appear beyond autumn trees and gardens with foothills in the background.
Boise, Idaho.

Transportation: 20th

Energy: 9th

Internet access: 43rd

26. North Carolina
Uptown Charlotte skyline rises beyond green trees, parkland and a curving roadway under a partly cloudy sky.
Charlotte, North Carolina.

Transportation: 23rd

Energy: 26th

Internet access: 29th

25. Connecticut
Waterfront industrial power plant with tall smokestacks and electrical equipment under a clear blue sky.
Bridgeport, Connecticut.

Transportation: 39th

Energy: 45th

Internet access: 3rd

24. Maryland
Baltimore skyline at dusk with the Washington Monument and Mount Vernon Place United Methodist Church in the foreground.
Baltimore, Maryland.

Transportation: 44th

Energy: 29th

Internet access: 7th

23. Arizona
Downtown Phoenix skyline sits below desert mountains under a pastel sunset sky.
Phoenix, Arizona.

Transportation: 25th

Energy: 17th

Internet access: 23rd

22. Indiana
Downtown Indianapolis skyline rises above green parks and a canal in warm sunset light.
Indianapolis, Indiana.

Transportation: 13th

Energy: 27th

Internet access: 26th

21. Illinois
Chicago, Illinois.
Chicago, Illinois.

Transportation: 29th

Energy: 15th

Internet access: 19th

20. Georgia
Atlanta skyline with downtown high-rises, green trees, roads, and a bright blue clouded sky.
Atlanta, Georgia.

Transportation: 18th

Energy: 34th

Internet access: 12th

19. Oklahoma
Bricktown Canal in Oklahoma City at sunset with water taxis, brick buildings, and Devon Energy Center in the skyline.
Oklahoma City, Oklahoma.

Transportation: 19th

Energy: 11th

Internet access: 28th

18. New Hampshire
Manchester, New Hampshire skyline and red brick mill buildings reflect across a calm river at dusk.
Manchester, New Hampshire.

Transportation: 41st

Energy: 39th

Internet access: 1st

17. Tennessee
Downtown Nashville skyline glows at dusk behind arched bridges over the Cumberland River.
Nashville, Tennessee.

Transportation: 14th

Energy: 31st

Internet access: 13th

16. Texas
Downtown Houston skyline rises above parks, roads, and residential buildings at dusk.
Des Moines, Iowa.

Transportation: 27th

Energy: 24th

Internet access: 10th

15. Iowa
Downtown Des Moines skyline rises behind a river bridge under a clear blue sky.
Des Moines, Iowa.

Transportation: 35th

Energy: 2nd

Internet access: 35th

14. Vermont
Brick pedestrian shopping street at dusk with lit storefronts, benches, trees, and a white church steeple in the distance.
Burlington, Vermont.

Transportation: 1st

Energy: 42nd

Internet access: 20th

13. Delaware
Downtown skyline and waterfront buildings are lit by warm sunset light beside a winding river.
Wilmington, Delaware.

Transportation: 8th

Energy: 25th

Internet access: 18th

12. New Jersey
Newark, New Jersey.
Newark, New Jersey.

Transportation: 15th

Energy: 41st

Internet access: 6th

11. Florida
Downtown Jacksonville skyline and Main Street Bridge span the St. Johns River in warm evening light.
Jacksonville, Florida.

Transportation: 22nd

Energy: 13th

Internet access: 11th

10. Colorado
Downtown Denver skyline stands before snow-covered Rocky Mountains under pink sunset light.
Denver, Colorado.

Transportation: 24th

Energy: 23rd

Internet access: 5th

9. Minnesota
Downtown Minneapolis skyline at dusk with U.S. Bank Stadium illuminated beneath tall office towers.
Minneapolis, Minnesota.

Transportation: 2nd

Energy: 8th

Internet access: 24th

8. Washington
Seattle skyline at sunset with the Space Needle, Elliott Bay waterfront, and Mount Rainier in the distance.
Seattle, Washington.

Transportation: 30th

Energy: 6th

Internet access: 9th

7. North Dakota
Modern apartment buildings and storefronts line a city street at an intersection marked ROBERTS ST under a blue sky.
Fargo, North Dakota.

Transportation: 7th

Energy: 5th

Internet access: 21st

6. South Dakota
Riverwalk curves beside a downtown river with bridges, spring trees, and the Arc of Dreams sculpture.
Sioux Falls, South Dakota.

Transportation: 26th

Energy: 1st

Internet access: 31st

5. Kansas
Downtown Fort Wayne skyline at dusk with the Allen County Courthouse among modern office buildings.
Wichita, Kansas.

Transportation: 3rd

Energy: 10th

Internet access: 15th

4. Utah
Salt Lake City skyline with the Utah State Capitol dome and mountains at sunset.
Salt Lake City, Utah.

Transportation: 10th

Energy: 21st

Internet access: 4th

3. Nebraska
Downtown Omaha skyline rises behind the illuminated Bob Kerrey Pedestrian Bridge over the Missouri River at dusk.
Omaha, Nebraska.

Transportation: 5th

Energy: 3rd

Internet access: 22nd

2. Oregon
Downtown Portland skyline rises beside the Willamette River with bridges, waterfront trees, and a ferris wheel.
Portland, Oregon.

Transportation: 4th

Energy: 4th

Internet access: 17th

1. Nevada
Las Vegas Strip skyline with Bellagio fountains and the Paris Las Vegas Eiffel Tower under a partly cloudy sky.
Las Vegas, Nevada.

Transportation: 9th

Energy: 7th

Internet access: 2nd

Read the original article on Business Insider

Every Taylor Swift album, ranked from worst to best

A simple collage showing different Eras of Taylor Swift
Taylor Swift through the years
  • Taylor Swift has released 12 distinct albums throughout her career (and rerecorded four of them).
  • BI’s resident Swift expert ranked them from worst to best, using a unique scoring method.
  • “Folklore” took the top spot, while Swift’s newest album, “The Life of a Showgirl,” is ranked last.

Taylor Swift’s deluxe release, “The Life of a Showgirl: The Encore,” is the newest addition to a prodigious discography that includes two decades’ worth of music, a dozen No. 1 hits, and four album of the year winners at the Grammy Awards.

These days, every album that Swift unleashes is all but guaranteed to find commercial success and fan-fueled fawning, but as with every musician, some albums are better than others.

Business Insider’s senior pop culture writer and resident Swift expert, Callie Ahlgrim, scored all 12 of Swift’s distinct albums, coupling each “Taylor’s Version” rerelease with its original. They’re ranked below from worst to best.

12. “The Life of a Showgirl”
Taylor Swift The Life of a Showgirl standard edition album cover
Taylor Swift’s 12th album, “The Life of a Showgirl,” was released on October 3, 2025.

Final grade: 6.6/10

In many ways, “The Life of a Showgirl” is the spiritual successor to “Reputation.”

Both albums are written by a Swift who’s in love, headstrong, and determined to defend her relationship from cynics. Both are co-produced either partially or entirely with Max Martin and Shellback, who tease out some of Swift’s stickiest hooks. Both are pop albums that lean hard into the drama and commit to the bit.

Alas, both albums are devastatingly front-loaded, starting off strong before taking a turn for the worse in the latter half. In the case of “Showgirl,” Swift spends way too much time treading tactless or redundant ground, from a banal suburban fantasy (“Wi$h Li$t”) to a slew of corny sex puns (“Wood”) and an eye-roll-inducing ode to scandalous starlets (“Cancelled!”).

Swift famously described herself as a mirrorball, and if this is her reflecting the crowd’s demands and cultural obsessions back to us, I’m morbidly fascinated by the result.

As the album title suggests, “Showgirl” is more concerned with gloss than substance. The few times it succeeds are when Swift doesn’t undercut her own craft.

The first four songs, which are also the album’s best, manage to prioritize melody without dumbing down the language. “The Fate of Ophelia” and “Elizabeth Taylor” evoke a network of associations — madness, tragedy, seduction, glamour — which Swift then subverts through her own perspective and personal plot twists.

“Opalite” reflects the shimmer and relief of a freshly cloudless sky, while in “Father Figure,” Swift adopts an alpha-male persona to explore power dynamics, ego, and betrayal.

Swift has acknowledged that she is where she is and has what she has because of her keen lyricism. She has effectively applied that to moments of love and happiness in the past, yet the bulk of “Showgirl” is deprived of that gift.

The four deluxe tracks suffer from a similar deviation. While “Patient Zero” is a riveting indictment of a narcissistic ex, “Cleveland!” is a clunky attempt at self-defense that indulges all of Swift’s worst instincts.

Much like its pop predecessors “Reputation” and “Midnights,” it wouldn’t be fair to call “Showgirl” a bad album; Swift is too smart and skillful to make one of those. It simply falls short of the high bar set by her own work.

God-tier songs: N/A

Worth listening to: “The Fate of Ophelia,” “Elizabeth Taylor,” “Opalite,” “Father Figure,” “Ruin the Friendship,” “Honey,” “The Life of a Showgirl (featuring Sabrina Carpenter),” “Patient Zero,” “Pink Clouding,” “Babylon”

Filler: “Eldest Daughter”

Skip: “Actually Romantic,” “Wi$h Li$t,” “Wood,” “Cancelled!,” “Cleveland!”

11. “Midnights”
taylor swift midnights album cover
Taylor Swift’s 10th album, “Midnights,” was released in 2022.

Final grade: 7.8/10

Thank goodness for “Midnights (3am Edition).” The album’s final grade* was salvaged by the eight extra treats Swift added to the original 13-song tracklist, plus the delirious breakup anthem “Hits Different,” which was added even later to “Midnights (The Til Dawn Edition).”

With a bit of trimming and editing (justice for “Would’ve Could’ve Should’ve”), this could’ve been a versatile and well-paced pop album. Unfortunately, as it stands, “Midnights” is an anticlimactic journey full of detours and flat landscapes.

A few lackluster tracks were enlivened by the Eras Tour, where “Midnights” dazzled as the closing segment on the set list. Still, the studio versions can’t compare to the live arrangements, and songs like “Midnight Rain” and “Mastermind” are simply not striking enough to rise into “worth playing” territory.

Swift rarely explores the album’s themes in depth, preferring to gesture broadly at interesting ideas. I’m not an “Anti-Hero” hater, but you’re telling me the greatest songwriter of her generation couldn’t come up with a better way to critique the infantilization and sexualization of women in Hollywood than “Sometimes I feel like everybody is a sexy baby”? Please.

God-tier songs: “Would’ve Could’ve Should’ve”

Worth listening to: “Lavender Haze,” “Maroon,” “Anti-Hero,” “You’re On Your Own, Kid,” “Question…?,” “Karma,” “Sweet Nothing,” “The Great War,” “Bigger Than the Whole Sky,” “Paris,” “High Infidelity,” “Glitch,” “Dear Reader,” “Hits Different”

Filler: “Midnight Rain,” “Labyrinth,” “Mastermind,” “Snow On the Beach (featuring More Lana Del Rey)”

Skip: “Snow On the Beach (featuring Lana Del Rey),” “Vigilante Shit,” “Bejeweled,” “Karma (featuring Ice Spice)”

10. “Reputation”
Taylor Swift Reputation album cover
Taylor Swift’s sixth album, “Reputation,” was released in 2017.

Final grade: 8.3/10

Any Swiftie will tell you that “Reputation” was made to be played live. I challenge anyone to watch the Reputation Stadium Tour documentary or the Eras Tour concert film and come away without intensified respect for bangers like “…Ready For It?,” “I Did Something Bad,” and “Don’t Blame Me.” (In fact, the five-track run that opens the album is still some of Swift’s most thrilling work.)

But outside those clips, “Reputation” exists as an album, not a live show. Despite glimmers of rollicking genius, the tracklist contains some of Swift’s worst decisions to date.

Her moments of sincerity (“Is it cool that I said all that? Is it chill that you’re in my head?”), or even sincere badassery (“If a man talks shit then I owe him nothing / I don’t regret it one bit, ’cause he had it coming”), are sparse compared to the aggressive pop posturing. Swift’s storytelling is overshadowed by the production, which tries to sound bold and maximalist but comes across instead as impersonal and heavy-handed. You may argue this effect is deliberate — camp, perhaps — but doing something on purpose doesn’t necessarily mean it’s good.

My score for “Reputation” is actually quite generous, considering  “This Is Why We Can’t Have Nice Things” would fall dead last on my all-time ranking of Swift’s songs. Remembering that it was the closing number on the Repupation Stadium Tour setlist sends a cold shiver down my spine.

God-tier songs: “Delicate,” “Don’t Blame Me”

Worth listening to: “…Ready For It?,” “End Game (featuring Future and Ed Sheeran),” “I Did Something Bad,” “Getaway Car,” “Dancing With Our Hands Tied,” “Dress,” “Call It What You Want,” “New Year’s Day”

Filler: “So It Goes…”

Skip: “Look What You Made Me Do,” “Gorgeous,” “King of My Heart,” “This Is Why We Can’t Have Nice Things”

9. “Taylor Swift”
Taylor Swift debut album cover
Taylor Swift’s debut album, “Taylor Swift,” was released in 2006.

Final grade: 9/10

“Taylor Swift” is often regarded as Swift’s worst album, but that’s only because all her albums are good. Something has to be the “worst” — that’s how rankings work — and “Taylor Swift” is overlooked, being the singer’s first and most rudimentary work.

Released the same year Carrie Underwood was topping country charts with “Jesus, Take the Wheel” and “Before He Cheats,” Swift’s self-titled debut is archetypal banjo-pop with a girlish twang. It did its job well, putting her on the map in Nashville and beyond, but the album wasn’t designed to push any boundaries or set any trends.

Nevertheless, “Taylor Swift” has more timeless tunes than you may realize. Led by the memorable torch song “Tim McGraw” — cleverly named after an already-popular musician, long before others would use this very strategy to game streaming numbers — the 14-track album also includes hits like “Picture to Burn,” “Teardrops on My Guitar,” and “Should’ve Said No,” which remain staples in Swift’s discography. “Our Song” will go down in history as a masterpiece.

And that’s not to mention “Cold As You,” the heart-wrenching ballad that set the bar for Swift’s track-five tradition. (“You come away with a great little story / Of a mess of a dreamer with the nerve to adore you.” It still stings.)

The truth is, “Taylor Swift” did push boundaries and set trends. With just one album, Swift proved to Nashville that young women and girls have stories worth telling, and that she was perfectly capable of telling her own.

God-tier songs: “Picture to Burn,” “Our Song”

Worth listening to: “Tim McGraw,” “Teardrops On My Guitar,” “Cold As You,” “The Outside,” “Should’ve Said No,” “Mary’s Song (Oh My My My),” “I’m Only Me When I’m With You,” “A Perfectly Good Heart”

Filler: “Stay Beautiful”

Skip: “A Place in This World,” “Tied Together With a Smile,” “Invisible”

8. “Lover”
Taylor Swift Lover album cover
Taylor Swift’s seventh album, “Lover,” was released in 2019.

Final grade: 9.7/10

Sonically, “Lover” is a little all over the place, but it’s thematically solid. Swift described the album as “a love letter to love itself — all the captivating, spellbinding, maddening, devastating, red, blue, gray, golden aspects of it (that’s why there are so many songs).”

“So many songs” usually means there are more letdowns, and that’s certainly the case here. (Yes, “Me!” is campy and spelling is fun. It’s still a skip.)

But “Lover” also has more peaks than most of the albums in Swift’s oeuvre: “Cruel Summer” is goes-hard-in-the-car perfection; “The Archer” contains some of Swift’s most insightful lyricism to date; “Cornelia Street” is so vivid that it plays like an Oscar-winning short film; “Death by a Thousand Cuts” boasts a knockout bridge that hits every time like it’s the first time. The Mazzy Star-esque title track is particularly profound, equal parts elated and terrified, destined to soundtrack wedding dances until the end of time.

Coming off of “Reputation” and a great upheaval in Swift’s personal life, she was deeply aware that nothing is guaranteed, that change is inevitable, that forever is an impossible concept. And yet, she was brave enough to ask these questions anyway — “Can I go where you go? Can we always be this close?” — knowing the answer must always be no. The intermingling of love and anxiety is what sets “Lover” apart. It’s the sound of hope against all odds.

God-tier songs: “Cruel Summer,” “Lover,” “The Archer,” “Cornelia Street,” “Death by a Thousand Cuts”

Worth listening to: “The Man,” “I Think He Knows,” “Soon You’ll Get Better (featuring The Chicks),” “False God,” “Afterglow,” “It’s Nice to Have a Friend,” “Daylight”

Filler: “I Forgot That You Existed”

Skip: “Miss Americana & The Heartbreak Prince,” “Paper Rings,” “London Boy,” “You Need to Calm Down,” “Me! (featuring Brendon Urie)”

7. “Speak Now”
Taylor Swift, Speak Now, original album cover
Taylor Swift’s third album, “Speak Now,” was released in 2010.

Final grade: 9.8/10

“Speak Now” is a great album on its own merits, but its lore is equally essential: At 20 years old, Swift was the only songwriter credited on the original 14-track album. She doubled down on “Speak Now (Taylor’s Version)” by adding only vault tracks she wrote alone.

“I didn’t want to just be handed respect and acceptance in my field, I wanted to earn it,” she explained in the rerecorded album’s prologue. “I figured, they couldn’t give all the credit to my cowriters if there weren’t any.”

“I had no idea how much this pain would shape me,” Swft continued. “This was the beginning of my series of creative choices made by reacting to setbacks with defiance.”

Indeed, “Speak Now” is a self-portrait of a precocious young woman, hungry to prove herself. It’s also a curious paradox; for someone so preoccupied with being perceived as a “good girl,” Swift’s only self-written album is surprisingly fierce, strong-willed, and gutsy.

The title track casts Swift as a rebel with a cause, itching to interrupt her soulmate’s wedding, while the unforgettable power ballad “Dear John” rebukes an older man who should’ve known better.

Swift confronts her critics on “Mean” and sneers at a vintage dress-wearing saboteur in “Better Than Revenge.” Even with the latter’s now-infamous lyric change, that song is packed with quick jabs and pithy one-liners, including one that feels downright prophetic today: “You might have him, but I always get the last word.”

Other standouts like “Enchanted,” “Haunted,” and “Long Live” further reveal the album’s emo-rock roots. For “Speak Now (Taylor’s Version),” Swift brought her influences to the foreground, enlisting Warped Tour icons Hayley Williams and Fall Out Boy as featured artists.

Unfortunately, the vault tracks aren’t all winners, which hurts the album’s updated score, but Swift’s mature voice breathes new life into other deep cuts.

“Innocent,” which I used to consider a skip, is truly sublime when delivered by an actual 32-year-old who’s still growing up, now. Once dedicated to a man who didn’t deserve it, the song now shines in the afterglow of self-reflection, as though teenage Swift is reaching through time to comfort her future self.

“Speak Now” was always an album about making mistakes and overcoming shame, about “reacting to setbacks with defiance,” in Swift’s own words. “Speak Now (Taylor’s Version)” is the physical embodiment of that spirit. By reclaiming ownership of her music, Swift made sure her words would ring truer than ever.

God-tier songs: “Dear John,” “Enchanted,” “Long Live”

Worth listening to: “Mine,” “Sparks Fly,” “Back to December,” “Speak Now,” “Mean,” “The Story of Us,” “Better Than Revenge,” “Innocent,” “Haunted,” “Last Kiss,” “If This Was A Movie,” “Electric Touch (featuring Fall Out Boy),” “I Can See You,” “Castles Crumbling (featuring Hayley Williams)”

Filler: “Never Grow Up,” “Ours,” “When Emma Falls In Love,” “Foolish One,” “Timeless”

Skip: “Superman”

6. “Fearless”
Taylor Swift Fearless original album cover
Taylor Swift’s sophomore album, “Fearless,” was released in 2008.

Final grade: 10/10

“Fearless” holds a legendary place in Swift’s career. It earned her first Grammy Award for album of the year when she was 20 years old — at the time, the youngest artist ever to win — and it’s still known as the most-awarded country album of all time.

Not only does “Fearless” boast two of the most beloved and immortal hits in Swift’s oeuvre (you know the ones), but it’s also a marvel of cohesion and consistency — a no-skips album in the purest sense, even with the extended “Fearless (Taylor’s Version)” tracklist.

This would be a career-topping triumph for any other artist, and it hurts me to see it land outside the top five of this ranking. But in 2008, Swift was only just getting started. She kept getting better and better, crafting so many moments of shock and awe and undeniable musical genius for other albums; they almost make the climaxes on “Fearless” feel like prologues.

God-tier songs: “Fearless,” “Love Story,” “You Belong With Me”

Worth listening to: “Fifteen,” “Hey Stephen,” “White Horse,” “Breathe (featuring Colbie Caillat),” “Tell Me Why,” “You’re Not Sorry,” “The Way I Loved You,” “The Best Day,” “Change,” “Jump Then Fall,” “Forever & Always,” “The Other Side of the Door,” “You All Over Me (featuring Maren Morris),” “Mr. Perfectly Fine,” “Don’t You,” “That’s When (featuring Keith Urban),” “Bye Bye Baby”

Filler: “Untouchable,” “Forever and Always (Piano Version),” “Come In With the Rain,” “Superstar,” “Today Was a Fairytale,” “We Were Happy”

Skip: N/A

5. “The Tortured Poets Department: The Anthology”
taylor swift the tortured poets department deluxe album cover
Taylor Swift’s 11th album, “The Tortured Poets Department,” was released in 2024.

Final grade: 10.3/10

This is where we cross into stratospheric territory.

Because my bespoke grading system gives an extra point to the best songs in Swift’s catalog, her top-five albums have all scored above a 10 because their gems outweigh their duds. (If you have a problem with this system, you’ll be happy to know that it’s made up and just for fun! Take it up with your therapist.)

With 31 tracks and a two-hour run time, “The Tortured Poets Department” and its companion double album, “The Anthology,” require a certain level of endurance.

However, for those who are eager to dive in, the depths are rich, entertaining, and immensely rewarding.

It’s true that many of these songs invite surface-level speculation: Who is the “tattooed golden retriever” mentioned in the title track? The resentful man in the house by the Heath? The vipers dressed in empath’s clothing? The answers are pretty obvious for Easter-egg hunters, if you care about that sort of thing.

But the album also resists a simple, linear narrative. Fans will twist themselves into knots trying to plot every detail on a timeline, but Swift’s muses, acquired like bruises, all share one thing in common: the author’s exacting lens. It’s Swift’s pen, and therefore her perspective.

And Swift never pretends to be a reliable narrator. For a self-described tortured poet, emotion takes precedence over reality. It’s not about what happened. It’s about how it felt.

Swift knows she sounds unruly, manic, even petty at times: “Everything comes out teenage petulance,” “Growing up precocious sometimes means not growing up at all,” “I sound like an infant, feeling like the very last drops of an ink pen.” The mess is the whole point.

Unlike her more polished pop releases, “Poets” is more concerned with confession and catharsis than mass appeal. That’s bound to alienate some listeners, but it’s ultimately better for Swift’s legacy and long-term artistic growth.

A top-five ranking may strike some as generous or premature, but this album is destined to age well, as subtle allusions, double meanings, and layers of humor are slowly peeled back. When Swift sings, “Put narcotics into all my songs / And that’s why you’re still singing along,” she may be teasing, but she isn’t wrong.

God-tier songs: “Guilty as Sin?,” “Loml,” “The Black Dog,” “Chloe or Sam or Sophia or Marcus,” “The Prophecy”

Worth listening to: “My Boy Only Breaks His Favorite Toys,” “Down Bad,” “So Long, London,” “But Daddy I Love Him,” “Fresh Out the Slammer,” “Florida!!! (featuring Florence + The Machine),” “Who’s Afraid of Little Old Me?,” “I Can Do It With a Broken Heart,” “The Smallest Man Who Ever Lived,” “Clara Bow,” “imgonnagetyouback,” “The Albatross,” “How Did It End?,” “So High School,” “I Hate It Here,” “I Look in People’s Windows,” “Cassandra,” “Peter,” “The Bolter,” “The Manuscript”

Filler: “I Can Fix Him (No Really I Can),” “The Alchemy,” “Thank You Aimee,” “Robin”

Press skip: “Fortnight,” “The Tortured Poets Department”

4. “1989”
taylor swift 1989 album cover
“1989” was released on October 27, 2014.

Final grade: 10.5/10

Upon its release in 2014, “1989” was a meteor strike, blasting a crater that set the scene for Swift’s risky reinvention. Something in the atmosphere changed when she became a full-blown pop star.

Even with three deluxe tracks, the original album is one of the most conceptually and sonically coherent of Swift’s career. It also contains a staggering amount of bulletproof pop music, the kind that’s so catchy and anatomically perfect that it converts the non-believers. (“Style” remains the best pop song that Swift has ever made.)

Nearly a decade later, Swift unveiled “1989 (Taylor’s Version)” with five additional songs. Thankfully, the integrity of the album remained intact. The extra length didn’t harm its standing because every vault track is excellent, slotting nicely into a saga of youth, reckless euphoria, and romance at any cost.

In fact, the album’s grade got a boost from “Is It Over Now?” — the fifth and final vault track, which immediately struck fans as God-tier. It shot to No. 1 on the Billboard Hot 100 with no promo campaign to speak of.

Only Swift could cut heaters like that, or “Say Don’t Go,” or “Now That We Don’t Talk,” from her tracklist — and sit on them for years — because her album was already stuffed with career highlights.

At 24 years old, she wrote lyrics like “You kissed me in a way that’s gonna screw me up forever” and “You dream of my mouth before it called you a lying traitor” and then she left them behind like it was just another day. For her, I guess, it was. “Being this young is art,” she croons in “Slut!” — and when it comes to Swift, she’s absolutely right.

The word “iconic” is thrown around a lot these days. But “1989,” in all its iterations, truly deserves it.

God-tier songs: “Blank Space,” “Style,” “Clean,” “New Romantics,” “Is It Over Now?”

Worth listening to: “Out of the Woods,” “All You Had to Do Was Stay,” “I Wish You Would,” “Wildest Dreams,” “This Love,” “I Know Places,” “Wonderland,” “You Are In Love,” “Slut!,” “Say Don’t Go,” “Now That We Don’t Talk,” “Suburban Legends”

Filler: “Welcome to New York,” “Bad Blood (featuring Kendrick Lamar)”

Skip: “Shake It Off,” “Bad Blood,” “How You Get the Girl”

3. “Evermore”
taylor swift evermore album cover
Taylor Swift’s ninth album, “Evermore,” was released in 2020.

Final grade: 10.9/10

As BI’s music team wisely said in our review, “Evermore” isn’t as good as “Folklore,” but it’s still better than what everybody else was doing in 2020. The sister albums were released just five months apart because, as Swift put it, “we just couldn’t stop writing songs.”

She reunited with producers Aaron Dessner and Jack Antonoff to create another collection of mythic, intricate songs that often double as stories and sometimes as diary entries. This collection is more varied and less reliable than its predecessor; Swift tends to lose focus in the latter half of the tracklist.

Nevertheless, “Evermore” is far from lacking feeling or ingenuity. It bears some of the most visceral turns of phrase to ever spring from Swift’s brain: “Your Midas touch on the Chevy door / November flush and your flannel cure,” “I don’t like slow motion, double vision in rose blush / I don’t like that falling feels like flying ’til the bone crush,” the entire bridge of “Marjorie,” the entirety of “Ivy.”

God-tier songs: “Champagne Problems,” “Tolerate It,” “Ivy,” “Right Where You Left Me”

Worth listening to: “Willow,” “Gold Rush,” “‘Tis the Damn Season,” “No Body No Crime (featuring Haim),” “Dorothea,” “Coney Island (featuring The National),” “Cowboy Like Me,” “Marjorie,” “Evermore (featuring Bon Iver),” “It’s Time to Go”

Filler: “Happiness”

Skip: “Long Story Short,” “Closure”

2. “Red”
taylor swift red album cover
Taylor Swift’s fourth album, “Red,” was released in 2012.

Final grade: 11/10

For many years, it was hard to imagine a time when “Red” would be dethroned as Swift’s best album.

Now, even knowing that Swift’s prolificacy and ambition apparently know no bounds, it’s still hard to imagine a day when it won’t at least land in the top three. It has always held a special place in the hearts of Swifties, and the invigorating release of “Red (Taylor’s Version)” cemented that legacy.

The album is equipped with a not-so-secret weapon: “All Too Well,” the single best song Swift has ever released.

Hell, it’s so good that both versions — the original as well as its long-awaited extended counterpart — are scored as God-tier in this ranking, earning an extra point apiece. “All Too Well” is a triumph of brevity, a burst of longing that still manages to tell a complete tale, while “All Too Well (10 Minute Version)” is a glorious unspooling that reveals additional scenes of hurt and betrayal.

But of course, the power of “Red” isn’t drawn entirely from one source. In fact, it’s a testament to the album’s holistic brilliance that a giant like “All Too Well” can’t dwarf its fellow tracks. The vast majority hold their own; only a handful fail to satisfy Swift’s promise of “happy, free, confused, and lonely at the same time.” It is miserable and magical.

And unlike some of its rerecorded peers, “Red” benefits from its “Taylor’s Version” extension. All nine vault tracks are unique and worthy additions, adding new layers to the story of Swift’s early-20s spiral.

God-tier songs: “State of Grace,” “Treacherous,” “All Too Well,” “We Are Never Ever Getting Back Together,” “Holy Ground,” “All Too Well (10 Minute Version)”

Worth listening to: “Red,” “I Knew You Were Trouble,” “22,” “I Almost Do,” “Stay Stay Stay,” “The Last Time (featuring Gary Lightbody),” “Everything Has Changed (featuring Ed Sheeran),” “Begin Again,” “The Moment I Knew,” “Come Back… Be Here,” “State of Grace (Acoustic),” “Ronan,” “Better Man,” “Nothing New (featuring Phoebe Bridgers),” “Babe,” “Message In a Bottle,” “I Bet You Think About Me (featuring Chris Stapleton),” “Forever Winter,” “Run (featuring Ed Sheeran),” “The Very First Night”

Filler: “The Lucky One,” “Starlight”

Skip: “Sad Beautiful Tragic,” “Girl at Home”

1. “Folklore”
taylor swift folklore album cover
Taylor Swift’s eighth album, “Folklore,” was released in 2020.

Final grade: 12.4/10

What can I say about “Folklore” that hasn’t already been said? It’s a folk-pop monument, a crucial inflection point in Swift’s career, a feast of narrative twists and poetic winks. It forever changed the way people would perceive Swift, whose celebrity often threatens to eclipse her craftsmanship; by stripping back the production and embracing a quieter, more contemplative sound, Swift made her lyrical prowess undeniable. Even the worst song on the tracklist is a masterclass in musical storytelling.

“Folklore” was the best album of 2020 and reigns as the best album of Swift’s career thus far — the ideal blend of artistry, listenability, critical acclaim, and cultural impact.

God-tier songs: “The 1,” “Mirrorball,” “August,” “This Is Me Trying,” “Peace”

Worth listening to: “Cardigan,” “Exile (featuring Bon Iver),” “My Tears Ricochet,” “Seven,” “Illicit Affairs,” “Invisible String,” “Mad Woman,” “Betty,” “Hoax,” “The Lakes”

Filler: “Epiphany,” “The Last Great American Dynasty”

Skip: N/A

*Final album score based on songs per category (2 points for “God-tier song,” 1 point for “Worth listening to,” .5 for “Filler,” 0 for “Press skip”).

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Silicon Valley’s new fashion icon: Alexandr Wang and his camo t-shirt

Alexandr Wang, Meta's chief AI officer, gives a keynote address in a camo shirt.
Internet sleuths said this outfit was a low-key “flex.” Wang wrote that he had to “correct the record on this slander.”
  • Jensen Huang’s leather jacket. Steve Jobs’ black turtleneck. And… Alexandr Wang’s camo print t-shirt?
  • Meta’s chief AI officer wore a camo shirt — complete with a deer graphic — during a keynote address. It’s a trend for the exec.
  • After people online speculated that it was a pricey luxury tee, Wang chimed in to say it was a $30 thrifted shirt.

Move over Alexander Wang — it’s Alexandr Wang (with only one “e”) whose fashion choices are generating buzz online.

The Meta exec, fresh off the runaway popularity of the Muse AI agent, is the guy Mark Zuckerberg effectively spent $15 billion to hire last year.

And he dressed for the occasion — Meta’s Connect 2026 conference on Wednesday — in a camo T-shirt with a 1990s-style print: a deer head on the front, a wooded path and more deer underneath it, and a “Lake Tahoe” label on the sleeve. Wang paired it with camo Crocs and black pants.

Meta's chief AI officer, Alexandr Wang, at Meta Connect 2026
Meta’s chief AI officer, Alexandr Wang, at Meta Connect 2026

Silicon Valley executives have long used clothes to become instantly legible — think Nvidia CEO Jensen Huang’s rockstar energy in a leather jacket or former Apple CEO Steve Jobs’ sleek black turtlenecks.

Meta has its own form of the tradition. Zuckerberg himself has gone through a whole fashion evolution, wearing lines of premium T-shirts, hoodies, and gold chains. During the Wednesday keynote, he also wore a black T-shirt that read “Building is my love language.”

Wang’s outfit connects with how he’s branded Meta’s AI assistant online: less polished corporate futurism, and far more chaotic online founder energy.

Following the address, several people online immediately turned their attention to Wang’s shirt. Was it quiet luxury? One X user suggested it was an $800 Hermès shirt, though a community note now asserts that “Hermes doesn’t make hunter t-shirts.”

After his outfit was trending on X, he called the luxury-label assumption “slander” — and looked to set the record straight.

The shirt, Wang said, comes from a thrift store in Santa Cruz and cost him $30, his Crocs only cost about $60, and his pair of Calvin Klein underwear was $5.

Another person re-posted the allegations that this was a luxury fit, saying he was “bullish” on the AI officer because it “looks like he’s been hitting the gym.”

Wang responded: “actually if you say i look fit i don’t care how much you lie about how much my clothes cost.”

It was a very Wang response: aggressively online and down to clown. He has spent the past several weeks promoting the Muse agent with a barrage of memes on X, bragging through what he describes as a “tweet cannon.”

BI investigates….

We can’t confirm any specifics about his workwear. Wang didn’t respond to our texts asking for clarification on the fit.

Here are our best guesses: it could be a vintage “back to earth” branded 90s T-shirt. We found several examples of that brand on eBay and Poshmark that looked like Wang’s top, priced from $14 to $45. There’s a near-replica long sleeve version on Grailed for $40

A vintage shirt on Grailed similar to the one Alexandr Wang wore.
A vintage shirt on Grailed similar to the one Alexandr Wang wore.

And, for those looking to steal the look without finding a vintage equivalent, there are some lookalikes on the graphic T-shirt site The Mountain.

For anyone thinking about dressing as Wang for Halloween, the costume may already be recognizable because we’ve seen it a few times before. He’s worn a deer/camo shirt for his Core Memory interview and for big internal meetings, Business Insider previously reported.

An important reminder to make the trick-or-treating fit extra convincing: you have 37 days to grow out that mullet.

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300,000 student-loan borrowers got their debt wiped out — but their credit is still taking a hit, a new lawsuit says

College graduation
A new lawsuit argues that the Department of Education continues to report student-loan borrowers’ forgiven balances to credit bureaus.
  • Student-loan borrowers who got debt relief are being wrongfully reported to credit bureaus, a new lawsuit says.
  • The lawsuit estimated that around 300,000 borrowers who were defrauded by their schools are affected.
  • Inaccurate reporting could harm a borrower’s credit score and trigger wage and benefit garnishment.

Student-loan borrowers whose debt was wiped out are still being reported to credit bureaus, a new lawsuit says.

On Thursday, the Project on Predatory Student Lending, a borrower advocacy group, filed a lawsuit against the Department of Education. It said that the department is violating the Fair Credit Reporting Act by reporting outstanding balances on “cancelled and legally unenforceable debt.”

The lawsuit concerns borrowers whose loans were wiped out via the borrower defense to repayment program, after they were defrauded by “predatory for-profit” schools, including Ashford University and ITT Technical Institute. It specifically pertains to borrowers who received such relief between April 2022 and January 2025.

The filing said these borrowers’ balances were reported to credit bureaus as outstanding debt, which affected their credit scores. PPSL estimated that, based on publicly available data, the department is wrongfully reporting 300,000 student-loan borrowers for $4.6 billion of canceled debt.

The affected borrowers “have spent time and resources on attempts to clarify and remedy the situation,” the lawsuit said, and they’re worried that the government “will inflict further wrongful injury, including collection through wage garnishment and tax refund or Social Security offset, in satisfaction of a debt that came into being in the first place because of an educational scam and now refuses to die.”

The Department of Education did not immediately respond to a request for comment from Business Insider.

One of the plaintiffs, Mandy Woods, borrowed $65,000 to attend Ashford University, a school that the Education Department determined had defrauded its students. Despite qualifying for relief, Woods’ credit report still shows that she owes over $71,000.

“When I was told my loans would be discharged, I was so relieved. I thought I could finally put this behind me,” Woods said in the press release. “Instead, I’ve been jumping through hoops, getting different answers depending on who I talk to, and watching a debt I was told I no longer owe keep growing on my credit report.”

Have a story to share about student loans? Contact this reporter at asheffey@businessinsider.com.

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