With new federal caps on Parent Plus loans, which limit borrowing to $20,000 per year or $65,000 total, this year’s May 1 decision day will be different. There’s now a hard ceiling on federal funds for parents who want to rely on federal funds rather than more expensive private education loans. Additionally, the One Big Beautiful Bill, signed into law last summer, eliminates certain income-driven repayment options for new Parent Plus loans, effectively requiring higher monthly payments.

Sixteen bets made $100,000 each accurately predicting the timing of the US airstrikes against Iran on 27 February. Later, a single user would make over $550,000 after betting that Ayatollah Ali Khamenei would topple, just moments before his assassination by Israeli forces. On 7 April, right before Donald Trump announced a temporary ceasefire with Iran, traders bet $950m that oil prices would come down. They did.

These bets and other well-timed wagers accurately predicted the precise timing of major developments in the US-Israel war with Iran, creating huge windfalls and raising concerns among lawmakers and experts over potential insider trading.