**💻 Punjab Announces Free Laptops for Private University Students 🎓 | Here’s Who Qualifies**

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For the first time, students of private universities will also receive laptops. The Punjab government has approved a plan to include private university students in the laptop scheme.

According to the Higher Education Department, the first phase will begin with the distribution of 10,000 laptops to students in private universities.

Work on the scheme is already underway, and officials say the aim is to reduce the gap between public and private higher-education students.

Authorities confirmed that the eligibility criteria for the Punjab Laptop Scheme will remain unchanged. All applicants will be assessed under the same merit rules.

Under these criteria, students must be enrolled in a private institution in Punjab and must have a strong academic record. A minimum of 70% marks or an equivalent CGPA in the last examination is required.

Students who have already received a laptop in previous phases will not be eligible.

The scheme also continues its reserved quotas for female students, disabled students, and students from low-income families. Officials believe these measures will help ensure fair distribution and support those who need digital access the most.

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**📢 Millions in Biden’s SAVE Plan to Resume Payments Under New Settlement 💼📄 | What Borrowers Need to Know**

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**Millions of borrowers enrolled in President Biden’s SAVE student loan plan will begin making payments again under a new legal settlement 💼📄. Learn how the changes work, who’s affected, key deadlines, and what this means for your finances.**

Millions of borrowers in Biden's SAVE plan would start paying under new settlement

The U.S. Department of Education announced Tuesday that it had reached a proposed settlement agreement to end a popular, yet controversial Biden-era student loan repayment plan.

The Saving on a Valuable Education plan, better known as SAVE, was the most flexible and generous of all income-driven repayment plans, promising expedited loan forgiveness and monthly payments as low as $0 for low-income borrowers. Republican state attorneys general, led by Missouri, sued the Biden administration, arguing in court that SAVE was too generous.

The legal challenges put all SAVE borrowers in limbo for months, during which they were not required to make payments on their loans – even after many had already spent years in a pandemic payment pause. Interest resumed accruing on SAVE loans in August.

"The law is clear: if you take out a loan, you must pay it back," Under Secretary of Education Nicholas Kent said in a statement announcing the proposed agreement. "Thanks to the State of Missouri and other states fighting against this egregious federal overreach, American taxpayers can now rest assured they will no longer be forced to serve as collateral for illegal and irresponsible student loan policies."

Tuesday's agreement, pending court approval, would end the long legal battle over SAVE by ending SAVE itself. The Education Department would commit not to enroll more borrowers in SAVE, to deny all pending SAVE applications and to move the roughly 7 million borrowers still enrolled in SAVE into other repayment plans – though some of those plans are also in flux.

The department also said student loan borrowers would have "a limited time to select a new, legal repayment plan." Borrowers will have to choose between two types of plans: 1.) fixed payment plans or 2.) plans with payments based on a borrower's income.

The two new plans created by Republicans' One Big Beautiful Bill Act (OBBBA) will roll out in July 2026, and will include a revised standard plan and a new income-driven plan called the Repayment Assistance Plan. Though SAVE borrowers will be expected to change plans before then.

The SAVE plan's days were already numbered. Under the OBBBA, borrowers would have had to change plans by July 1, 2028. Tuesday's news would move that deadline up, though the administration has not provided a timeframe for the changes.

If the proposal is approved by the court, transitioning millions of borrowers to other plans will be a Herculean feat for loan servicing companies that handle day-to-day loan operations.

"It's gonna be bumpy," says Scott Buchanan, head of the Student Loan Servicing Alliance. "Remember, SAVE borrowers have not been in repayment for years. They're gonna have a ton of questions and will need a ton of hand-holding to get back into repayment."

The settlement arrives as millions of borrowers are struggling to keep up with their payments.

"We are sitting on the precipice of millions of borrowers defaulting on their loans," says Persis Yu, of Protect Borrowers. "And instead of choosing to defend a plan that would have been affordable for these borrowers, this Department of Education has capitulated to the AGs and is going to make life much more expensive."

The American Enterprise Institute, AEI, recently published an analysis of the latest federal student loan data: In addition to the 5.5 million borrowers who are currently in default, another 3.7 million are more than 270 days late on their payments and on the edge of default. Another 2.7 million borrowers are in the earlier stages of delinquency. In all, some 12 million borrowers are worryingly behind.

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**"🎓 28th IoBM Convocation 2025: Celebrating Success, Achievements & New Beginnings ✨"**

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**"The 28th Convocation at IoBM celebrated student success, academic excellence, and inspiring milestones. Discover event highlights, achievements, and memorable moments from this grand graduation ceremony."**

The Institute of Business Management (IoBM) held its 28th Convocation on Saturday, conferring degrees upon 1,515 graduates across a diverse range of programs, including BBA, BS, MBA, MPhil, and PhD. This year’s convocation held special significance as it coincided with IoBM’s 30th anniversary, marking three decades since the College of Business Management (CBM) welcomed its first batch of students in September 1995. The graduating class featured 19 gold medalists and 64 recipients of Merit Certificates.

Guest of Honor, the President of The Aga Khan University, Dr. Sulaiman Shahabuddin, said that among the graduates, he sees a generation with immense potential and recognizes in them the emerging leaders of Pakistan. He urged them to remain optimistic, noting that the future will be shaped by their ideas and their efforts. He advised the graduates to become regular readers, safeguard their health, and remain lifelong learners.

During his Welcome Address, IoBM Chancellor Mr. M. Bashir Janmohammad said that the true chief guests of the day were the graduates’ parents, who had made countless sacrifices. He urged the graduates to uphold honesty and a commitment to contributing positively to Pakistan. He encouraged them to give back to the country and develop an entrepreneurial mindset as they step into their professional lives.

Presenting the progress report, IoBM President Talib Syed Karim described the past year as “one of the most defining” in the institute’s thirty-year history. He noted that IoBM strengthened its global standing by submitting its AACSB application and becoming the first university in Pakistan to be recognized as a member institution of the Business Graduate Association and the Association of MBAs. IoBM’s President praised students for their commitment to welfare initiatives, reaffirming the institute’s dedication to community service. He said the graduates were celebrating not only their academic success but also their representation of IoBM beyond the classroom. Their dedication to sports, he added, brought pride to the institution, with students earning several victories in karate, badminton, bodybuilding, hockey, mountaineering, and football at national and international levels.

During his keynote address, Mirza Salman Beg, CEO of Enterprising Manufacturing Co. Pvt. Ltd. and an IoBM alumnus (MBA 1998), encouraged the graduates to leverage their education and commit to lifelong learning to achieve meaningful success. He said that perfection should not be the goal; instead, one should master the art of continuous improvement. He emphasized the importance of developing a clear direction in life and channeling one’s focus. He urged the graduates to avoid measuring themselves by titles.

Valedictorian Ammar Shahkar Sayied (BBA Honors), who received the Shahjehan Syed Karim Gold Medal for the highest CGPA, spoke about how IoBM’s faculty, classmates, and learning environment helped him succeed. He encouraged his fellow graduates to follow their dreams with determination and confidence.

The Convocation of the Institute of Business Management (IoBM) was attended by the Senior Leadership including Chancellor, Mr. M. Bashir Janmohammad; the Board of Governors, President, Mr. Talib Syed Karim; Vice President FHE and Chief Advisor, Ms. Sabina Mohsin; Rector, Prof. Dr. Tariq Rahim Soomro; Dean CBM, Prof. Dr. Muhammad Kashif; Dean CCSIS, Prof. Dr. Muhammad Abbas; Dean CESD, Dr. Nadia Ayub; along with HoDs, Faculty, Management and Staff.

Ms. Juveria Baig, Head of the Career Development Center & Office of International Cooperation, served as the Master of Ceremonies. Tilawat-e-Quran and Darood Sharif were recited by Abdul Saboor Khan (MS – Mathematics and Scientific Computing), with the translation delivered by Mehak Ghias (BBA Honors).

When speaking in memory of IoBM’s late Founder President, Mr. Shahjehan Syed Karim, she said that this is the ninth convocation since his passing. In his honor, she quoted from his 2013 Convocation speech: “Never forget that where you are today is the result of your parents’ loving care, their prayers, and their sacrifices. Respect them under all circumstances.”

Over the past 30 years, IoBM has transformed into a vibrant academic hub that continues to evolve to meet the needs of a modern, global workforce. The Institute today comprises four constituent colleges—CBM, the College of Computer Science and Information Systems (CCSIS), the College of Engineering and Sciences (CES), and the College of Economics and Social Development (CESD). Together, they offer a wide spectrum of programs ranging from business, accounting, finance, and entrepreneurship to computer science, data science, software engineering, psychology, economics, media studies, and engineering management.

This 28th Convocation honored a dynamic group of graduates who have completed their educational journeys at IoBM and are now ready to begin their professional pursuits. Equipped with the values, skills, and discipline instilled during their time at the Institute, these graduates are prepared to take on real-world challenges and contribute meaningfully to Pakistan’s social and economic progress.

As they move forward, the legacy of excellence built over three decades accompanies them. IoBM’s alumni continue to excel in corporate leadership, banking, entrepreneurship, technology, public service, and international roles—a testament to the Institute’s strong academic foundation and its enduring mission to shape responsible, capable, and forward-thinking professionals.

Gold Medalists:

Ammar Shahkar Sayied	BBA (Honors)	Shahjehan Syed Karim
Sahar Zehra	BBA (Honors)	Janmohammad Dawood
Manesh Kumar	BBA (Honors)	Shan Foods
Muhammad Fawad	BBA (Honors)	Jahangir Siddiqui
Aafeen Khan	BBA (Honors)	Tabba Foundation
Farzana Darayoush Kolah	BS (Honors) Accountancy, Management and Law	EFU Life Assurance
Hania Asim	BS (Computer Science)	PayPak
Muneeba Ashraf	BS (Honors) Accounting and Finance	Meezan Bank
Mahnoor Asif	BS (Honors) Accounting and Finance	Westbury Group of Companies
Murtaza s/o Hatim Bohra	BS (Honors) Accounting and Finance	DVAGO
Urooj Saeed	BS (Mathematics and Economics)	Lipton
Saima Shiraz	BS (Entrepreneurship)	Tufail Industries
Ayiza Salman	BS (Economics, Media and International Relations)	S. H. Hashmi Memorial
Ayesha Saqib	BS (Honors) Business and Psychology	Dr. Essa’s Laboratory
Nabil Ahmed	BS (Logistics and Supply Chain Management)	Jubilee General Insurance
Manahil Asif	BS (Honors) Economics and Finance	Hoechst Pakistan Limited
Kanwal Jaffer	Bachelor of Education	Ghulam Faruque
Urooj d/o Waseem Akhtar	MBA (Weekend)	Afeef Packages
Hamna Siddiqui	MBA (Regular)	Management Association of Pakistan

Procession of Graduates:

A key tradition at IoBM’s ceremony is the entrance of the graduating procession into the main venue. The ceremonial flags, representing the institute and its constituent colleges, were carried as follows:

• IoBM Institute Flag: Carried by Dr. Imam Uddin, Director of the Center for Islamic Business & Finance (CIBF), who led the entire graduates’ procession.
• College of Business Management (CBM) Flag: Carried by Muneeba Ashraf (BS Accounting and Finance).
• College of Computer Science and Information Systems (CCSIS) Flag: Carried by Hania Asim (BS Computer Science).
• College of Engineering Sciences and Development (CESD) Flag: Carried by Kanwal Jaffer (Bachelor of Education).

Merit Certificates:

The following graduates were awarded Merit Certificates:

• BBA (Honors): Ayesha Ahmed, Shabbir Ahmed, Fiza Ali, Dua Manan Ansari, Maliha Arif, Saifullah Asif, Yamina Aslam, Falza Batool, Elleta Anneka Fernandes, Mehak Ghias, Madiha Javed, Muhammad Ashhal Kazi, Manoj Kumar, Tisha d/o Lachhman, Mahnoor Malik, Saima Rahman, Aaqiba Fahim Rehmani, Rabia Yousuf, and Beenish Zehra.
• BS (Honors) Accountancy, Management and Law: Fatima Jawed.
• BS (Honors) Accounting & Finance: Easha Kashif and Abdullah Mohammad Rehmatullah Rashid, Alvina Aamir, Maryam Ameen, Minhal Asif, Pooja d/o Bhagchand, Mehwish d/o Abdul Ghaffar, Maheen Irfan, Muhammad Kashan, Hana Malik, Muskan Mushtaq, Hoor Abdul Razzak, Zainab Arif Subhan, Dua Zehra, Habiba Abdullah, Syeda Sara Ali, Ramsha Arif, Myna Arshad, Kanchal Kumari, and Areesha Siddiqui.
• BS (Mathematics and Economics): Syed Faaiz Ahmed.
• BS (Honors) Business and Psychology: Yamna Akhter, Zoya Muhammad Ali, Najaf Fatima, Anmol Jiwani, Shiza Khalid, Bisma Naveed, and Kashaf Khaleel Yousfani.
• BS (Social Entrepreneurship and Leadership): Karim Amin.
• BS (Entrepreneurship): Sarah Ahmad, Yousuf Imran, Muhammad Rohail.
• Bachelor of Education: Muniza Ashraf, Syed Ehtasham Hasan, Afrah Majeed, Rida Najam, Shaza Nisar, and Tehmina Akhtar.
• MBA (Weekend): Hammad Ali Soomar.
• MBA (Regular): Suman Siddiqui.
• MPhil (Education): Maria Sahar.
• MPhil (Organizational Psychology): Rooh E Fatima and Imaan Saleem.
• PhD (Education): Amina Murad.
• PhD (Business Management): Anam Qamar.

IoBM’s 28th Convocation marked a major milestone, not only for the graduating class but also for the Institute itself. Held in the year of IoBM’s 30th anniversary, the ceremony celebrated three decades of academic excellence, leadership development, and nation-building. What began in 1995 with the establishment of the College of Business Management (CBM) has now grown into one of Pakistan’s most respected institutions for higher education—renowned for its commitment to quality learning, industry relevance, and holistic student development.

### 🔥 **"📢 Intermediate Admission Schedule 2025 Announced! | Apply Now Before Seats Fill Up 🚀"**

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**"The Intermediate Admission Schedule 2025 is out! Get all important dates, application details, eligibility criteria, and admission guidelines. Apply now to secure your place in the new academic session before deadlines close."**

The Punjab Board has announced a new schedule for Intermediate Part One admissions.Students can submit their admissions with a single fee until December 12, while admissions can be submitted with a late fee from December 13 to 22.

The notification was issued on December 5, setting the dates from December 1 to 12.

Five days have already passed, leaving students only seven days to submit their applications.

According to teachers, after excluding bank holidays, students have only four working days left to complete the process.

Parents expressed that paying the single fee is difficult due to inflation and voiced serious concerns over double and triple late fees.

They have urged Punjab Chief Minister Maryam Nawaz to take immediate notice and ease the difficulties faced by students and parents.

**HEC Launches Blockchain Degree Attestation: Manual Verification Ends Forever! 🔗📜🚀**

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HEC introduces a blockchain-based degree attestation system 🔗📜 — making manual verification a thing of the past. Faster, safer, and globally recognized! 🚀🇵🇰

A historic upgrade for students and professionals! 🇵🇰🚀

HEC has officially launched a **blockchain-powered degree attestation system**, ending the need for manual verification forever 🔗📜✨

Faster. Secure. Tamper-proof.

Tap to see how this revolutionary system works! 👀🔥

The Higher Education Commission (HEC) has finalized the project to revamp its degree attestation system by integrating blockchain technology, aiming to enhance efficiency and transparency while eliminating the need for applicants’ physical presence.

The acting Chairman HEC, Mr. Nadeem Mahbub directed the concerned team to prioritise the task and ensure its earliest implementation. He was briefed that under the proposed system, applicants will no longer be required to provide physical documents or visit HEC offices for verification.

The 25 Higher Education Institutions (HEIs) that have fully implemented the Enterprise Resource Planning (ERP) system will have their students’ information automatically integrated into the blockchain.

Graduates from these institutions will not need to submit any documents; their degrees will be added to the HEC blockchain upon graduation, enabling access to verified degrees directly through the Portal.

For students from HEIs without an ERP system, degrees and transcripts will be submitted online through the HEC portal and forwarded to the respective university’s dashboard. Once verified by the university, the documents will be integrated into the blockchain.

Degree verification will take place entirely online, with all records digitally secured to ensure instant, tamper-proof access. Once verified, degrees will be stored on HEC’s blockchain, enabling immediate authentication by government departments, the Foreign Office, embassies, and private organizations.

This transition will make the attestation process fully paperless, automated, and transparent, removing the need for manual stamping or physical documentation.