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The 5 worst tech companies for work-life balance — and the 5 best

Tech workers are giving their employers increasingly negative evaluations on work-life balance

The tech industry has long been held up as a field where ambitious employees can earn high salaries and make an impact on their workplace – but in recent years, some of the shine has come off these careers.

A recent analysis by Fullstack Academy – a company which trains tech workers in areas including coding, cybersecurity and data analytics – found that when employees at major tech companies review their former employers on Glassdoor, their assessments are frequently critical.

This is particularly the case when it comes to work-life balance – with “keywords, like ‘burn out,’ [appearing] 73% more frequently in the cons section than wellness keywords like ‘well-being’ in the pros section,” according to Fullstack.

This analysis comes at a time of increased instability in the tech economy. In the last three years, tech layoffs have been on the rise with Tesla, Google, and Microsoft all announcing reductions in the size of their workforces. More than 60,000 jobs have already been removed from the industry this year, according to a recent TechCrunch analysis.

In addition to the widespread layoffs, the Covid-19 pandemic and the subsequent economic instability led to many workers reprioritizing what they wanted from their careers. When Indeed released its Best Jobs of 2024 report, only three positions in the top 25 were tech roles – down from 11 just one year prior.

In order to assess the quality of life for big tech employees, Fullstack Academy analyzed reviews for more than 100 major tech companies, with more than 250 Glassdoor reviews. Negative reviews tended to reference long hours, burn out and feeling overworked. Positive feedback, on the other hand, went to companies offering remote work and paid time off.

“Overall, only 52% of frequently reviewed big tech companies have a good or very good work-life balance,” the Fullstack analysis reads. “This percentage is slightly better than the 40% of all companies in the analysis with a good or very good rating but still shows that even the higher-profile tech companies still struggle with achieving this balance.”

Read on to see the five companies with the best work-life balance and the five companies with the worst, according to the Fullstack Academy analysis.

5th Worst: Rippling

Rippling – a company which provides human resources software – was ranked the fifth worst company for work-life balance. Out of 401 reviews on Glassdoor 33.67% contained negative keywords.


4th Worst: Palantir Technologies

Data analytics company Palantir Technologies was ranked the fourth worst company for work-life balance. Out of 313 Glassdoor reviews, 34.82% contained negative keywords.


3rd Worst: Manhattan Associates

Supply chain management company Manhattan Associates was the third worst company for work-life balance, with 38.27% of 567 Glassdoor comments using negative keywords.


2nd Worst: Stripe

Financial services and software company Stripe was the second worst tech company for work-life balance. Out of 336 Glassdoor comments, 38.39% used negative keywords to describe the employer.


Worst: ByteDance

TikTok parent company ByteDance has the worst work-life balance of any tech company, by a significant margin. More than 50% of 271 Glassdoor reviews negatively mention work-life balance – a sizable jump from Stripe, in second place. Fullstack also flagged the company for having some of the angriest reviews from former employees.


5th Best: Dropbox

File-hosting service Dropbox has the fifth-best work-life balance of the tech companies featured in the Fullstack Academy analysis. Out of 1,219 reviews, only 11.07% contained negative keywords.


4th Best: Autodesk

Software design company Autodesk is the fourth best company for work-life balance – with just 10.62% of 1,497 Glassdoor reviews using negative keywords.


3rd Best: Spotify

Music streaming service Spotify is the third-best company for work-life balance. Glassdoor reviews for Spotify tend to contain keywords like “flexible” and “time off,” while only 10.46% of 538 reviews contained negative keywords.


2nd Best: Cisco

The Fullstack Academy analysis ranked Cisco as the tech company with the second-best work-life balance. Of 10,237 Glassdoor reviews, only 10.13% contained negative keywords. Reviews tended to mention flexibility and paid time off as positive attributes of working for Cisco.


Best: NetApp

Data infrastructure company NetApp has the best work-life balance of more than 100 tech companies featured in the Fullstack analysis. Just 10.05% of 1,801 reviews contained negative keywords. Like Spotify and Cisco, positive reviews of NetApp highlighted the company’s remote working policies and overall flexibility.


Rivals are at it again as Duracell sues Energizer over battery-life claims

Grudges between battery giants last longer than either of their products

Duracell and Energizer are back in court. This time it’s Duracell suing Energizer for claiming its batteries last longer. But the two battery giants have a long and litigious history, in an American corporate rivalry almost as old as Coke vs. Pepsi. 

A recent ad campaign for Energizer MAX batteries claims that they outlast Duracell Power Boost batteries by 10%, that this fact is “proven,” and concludes that Energizer’s products “last longer. ’Nuff said.” This, says Duracell’s lawsuit, caused irreparable harm and damaged customer goodwill. The ads ran on nationwide TV and online.

Duracell says Energizer is basing its claim of superiority on one comparison by the American National Standards Institute, based on personal grooming products, and does not apply to all Duracell batteries. Duracell believes Energizer is guilty of false advertising, and is seeking damages and “corrective advertising.”

This is not dissimilar to the last time the two companies showed up in court, just five years ago, over the exact same issue: whether Duracell Optimum or Energizer MAX batteries lasted longer. The two companies managed to talk that one out; in December 2020, both lawsuits were voluntarily dismissed.  

Consumer comparisons split the difference: each battery is stronger for different purposes. 

In 2022, it was Energizer that won a seven-year court case against Duracell in a Canadian court, arguing that Duracell packaging couldn’t claim its products lasted longer than Energizer products, because that contravened trademark law. However, it did allow that Duracell could use similar stickering claiming it was superior to “the bunny brand” or “the next leading competitive brand.”

Similarly, in 2016, Energizer successfully sued Duracell for using a pink bunny in ads — even though Duracell was using a pink bunny 16 years before Energizer’s iconic “just keeps going and doing” ad campaign that began in 1989. 

The rivalry goes back almost 80 years, when Duracell entered the market in 1946. Energizer’s roots date back to the Ever Ready company of 1890; Ever Ready invented the AA battery in 1907. As a point of comparison, the soda wars started when Pepsi Cola, founded in 1893, first threatened Coca-Cola, founded in 1886.


🌎 Bidding to save the internet

Plus: Reddit’s AI-powered marketing mix.

Good morning, Quartz readers!


Here’s what you need to know

Interest-ing timing. Millions are facing plunging credit scores (some by over 150 points) as student loan collections resume after a five-year pause.

AMD is coming for Nvidia. AMD stock soared nearly 10% after Wall Street reacted favorably — see: an “overweight” status — to its recently announced Helios plans and partnerships.

No chip off this bloc. Chinese tech companies Huawei and SMIC found themselves on Taiwan’s blacklist as the U.S. continues to crack down on AI and semiconductors.

Bricks down, bills up. Despite continued government support, China’s housing slump remains in decline, but the country’s citizens are showing signs of increased consumer spending.

A pharma giant’s maple misstep. A $250 mistake — not paying a patent maintenance fee — will cost Novo Nordisk billions by giving Canadians generic versions of its weight-loss drugs.

Perk-formance review. JPMorgan Chase and American Express are kicking their luxury card rivalry up a notch, with both companies promising greater rewards after revamps.


Frank-ly, it’s personal

Frank McCourt lost the Los Angeles Dodgers in a brutal divorce. Now, he wants to win TikTok — and, in his telling, save the internet while he’s at it. The billionaire real estate mogul is leading a $20 billion bid to buy the embattled platform from ByteDance, strip out its secretive algorithm, and rebuild TikTok atop a transparent, user-owned protocol he’s spent the past four years developing.

That vision — part digital utopia, part personal do-over — is powered by Project Liberty, a nonprofit McCourt launched to “re-decentralize” the web. He believes data is personhood, users should hold the keys, and platforms should serve people, not the other way around. He even met with TikTok’s top creators to pitch a world where followers and content are portable, analytics are accessible, and moderation comes with opt-in labels.

Critics say he doesn’t understand TikTok because he’s never used it. McCourt told Quartz that the algorithm isn’t the secret sauce — the app’s users are. Regardless, the billionaire isn’t the only one eyeing TikTok. Oracle’s Larry Ellison and others have reportedly circled. But so far, McCourt says his group is the only one to submit a formal bid. ByteDance hasn’t publicly responded. The clock is ticking: Under a law passed in 2024, TikTok must be sold or banned due to national security concerns over its Chinese ownership. President Donald Trump has extended the deadline multiple times — with the latest set for June 19.

Now in his seventies, McCourt is casting his TikTok play as a shot at digital redemption, both for himself and for a platform he sees as addictive, opaque, and dangerous for young users. (His 9-year-old daughter still isn’t allowed on the app.) Whether or not he succeeds, his bid offers a glimpse at a very different vision of the internet — one where users hold the power, not just the passwords. Quartz’s Catherine Baab has more on the billionaire who wants to open-source your FYP.


Thread count is up

Reddit is making a play for ad budgets — and this time, it’s bringing AI. At Cannes Lions this week, the company announced “Reddit Community Intelligence,” a suite of tools designed to help marketers tap into the platform’s comment threads for insights.

The products include Reddit Insights, a social-listening tool that parses posts for sentiment and trends, and Conversation Summary Add-ons, which embed real Reddit user posts directly into ads. Early tests showed a 19% boost in click-throughs, suggesting that authenticity might just convert.

This push comes as Reddit tries to prove it’s more than just memes and mayhem. Since its IPO in March, the company’s stock has whiplashed amid concerns about Google’s AI Overviews eating into traffic. Still, ad revenue climbed 61% year-over-year in the first quarter, and Reddit is betting that its communities can be monetized, regardless of the algorithm.

One of Reddit’s biggest tests? A partnership with CVS — a big step in Reddit’s plan to become a serious player in retail media. And Reddit’s moves are part of a broader AI strategy. The company already launched Reddit Answers, a generative-AI feature that summarizes community replies, and Reddit has struck licensing deals with OpenAI and Google, while suing Anthropic for allegedly training on Reddit content without permission. The message? This is a platform that wants to own its data — and monetize it thoroughly.

The real bet is that Reddit’s messiness is the value. While other platforms lean into algorithmic polish, Reddit is pitching raw signal: real people, real opinions, real time. Now, it’s just figuring out how to bottle that chaos and sell it — one ad unit at a time. Quartz’s Shannon Carroll has more on why Reddit thinks your hot take is worth 19% more.


More from Quartz

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💬 WhatsApp will soon have ads, thanks to Meta

✈️ Southwest Airlines is adding cockpit alerts for pilots

⚖️ Some of the top budgeting hacks for DIY projects

🧒 These are the most expensive places in the U.S. to raise a kid



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The 5 best- and worst-run U.S. cities in 2025

The best U.S. cities 'use their budgets most effectively to provide high-quality financial security, education, health, safety, and transportation,' one analyst said

Running a city is no easy job. And how effective local leadership is can shape nearly every aspect of daily life — from the quality of public services and infrastructure to safety, education, and economic opportunity.

In the U.S., some cities stand out for praiseworthy governance, while others struggle with more inefficiencies, budget shortfalls, and uneven outcomes. That's why WalletHub set out to pick the best- and worst-run cities in the U.S. in 2025.

It compared 148 cities in all 50 states by dozens of factors across six categories: financial stability, education, health, safety, economy, and infrastructure/pollution. It looked at some obvious metrics, such as rates of violent crime, high-school graduation, and unemployment. And some more out-of-the-box ones, like building-permit growth, bike scores, and residents' perception of safety.

“The best-run cities in America use their budgets most effectively to provide high-quality financial security, education, health, safety, and transportation to their residents,” said WalletHub analyst Chip Lupo. "Many of the top cities also have a very low amount of outstanding government debt per capita, which can prevent financial troubles in the future.”

Continue reading to see WalletHub's picks for the five best- and worst-run cities across the U.S.

5th best-run city: Nashua, New Hampshire

DenisTangneyJr / Getty Images

4th best-run city: Boise, Idaho

Anna Gorin / Getty Images

3rd best-run city: Manchester, New Hampshire

DenisTangneyJr / Getty Images

2nd best-run city: Nampa, Idaho

knowlesgallery / Getty Images

Best-run city: Provo, Utah

DenisTangneyJr / Getty Images

5th worst-run city: Philadelphia, Pennsylvania

Jon Lovette / Getty Images

4th worst-run city: New York City, New York

Francesco Riccardo Iacomino / Getty Images

3rd worst-run city: Oakland, California

Thomas Winz / Getty Images

2nd worst-run city: Detroit, Michigan

Photo by Mike Kline (notkalvin) / Getty Images

Worst-run city: San Francisco, California

Alexander Spatari / Getty Images

The 10 states where people live the longest

Where you live can have a major impact on your longevity

Living a longer life is a goal on many people's minds, and while supplements and fitness routines often take center stage, one key factor is commonly overlooked: where you live. The typical life expectancy can vary widely from state to state, making your home address more influential than you might think.

Using data from the National Vital Statistics System, Caring.com ranked the states with the highest average annual life expectancies from birth.

Continue reading to see the 10 states where people live the longest.

#10: California — 78.3 years old

Stewart Cohen / Getty Images

#9: Vermont — 78.4 years old

Yellow Dog Productions / Getty Images

TIE — #7: Rhode Island — 78.5 years old

Jon Lovette / Getty Images

TIE — #7: New Hampshire — 78.5 years old

Holcy / Getty Images

#6: Minnesota — 78.8 years old

emholk / Getty Images

TIE — #4: New York — 79 years old

Allison Michael Orenstein / Getty Images

TIE — #4: New Jersey — 79 years old

Jonathan Novack / Getty Images

#3: Connecticut — 79.2 years old

Kate Stoupas

#2: Massachusetts — 79.6 years old

Image Source / Getty Images

#1: Hawaii — 79.9 years old

Fly View Productions / Getty Images



AMD stock surges 10%. Here's what sparked the rally

Investors are betting big on CEO Lisa Su’s recent AI announcements — namely AMD's Helios platform and partnerships with top companies such as OpenAI

Advanced Micro Devices (AMD) surged nearly 10% by midday Monday, adding more than $20 billion to its market cap and marking one of its biggest single-day jumps in over a year — thanks to well-timed AI hype. Days earlier, AMD gave Wall Street a detailed product roadmap, some actual hardware, and a few well-placed clues about who’s buying its tech.

At its “Advancing AI” event in San Jose, California, AMD made it clear that it’s going after Nvidia. CEO Lisa Su rolled out the company’s next-gen Instinct MI350 accelerator chips and teased its coming “Helios” AI rack — an in-house server platform built to showcase AMD’s MI400 GPUs, which are due out in 2026. Su said Helios “will set a new benchmark for AI scalability.”

AMD is also pivoting away from Nvidia’s closed-link architecture. Su said on Thursday, “The future of AI is not going to be built by any one company or in a closed ecosystem. It's going to be shaped by open collaboration across the industry.”

The news out of California told Wall Street two things: AMD is closing its gap with Nvidia, and the company’s customers are real.

One of those customers is OpenAI, which AMD confirmed is planning to use its next-gen chips and Helios platform. CEO Sam Altman spoke on stage with Su, remarking that initial specs for the MI400 were so ambitious he thought, “No way.” And major names such as Meta, Oracle, and xAI are already testing or deploying MI300X successors and supporting AMD’s modular approach. AI cloud provider Crusoe told Reuters that it’s planning to buy $400 million of AMD’s new chips.

While Nvidia still dominates the AI training market, the recent news signals that AMD is carving out a credible second-place lane in the AI arms race — and that partners aren’t waiting to place orders.

Wall Street liked what it saw. 

Piper Sandler upgraded AMD to “Overweight” status and boosted its price target to $140 (from $125). Analyst Harsh Kumar said in a note that AMD is expected to see “a snapback” in the fourth quarter as it works through most of its China-related charges and sees some of its product announcements as key to scale the company’s AI infrastructure.

“Overall, we are enthused with the product launches at the AMD event this week, specifically the Helios rack, which we think is pivotal for AMD instinct growth,” he wrote. “We also note that the largest of the business units, namely client, is starting to see some pull-ins.”

AMD is signaling it wants to be the “other” full-stack AI company. It has quietly acquired a string of startups — Eno, Brium, Untether AI — to build a more vertically integrated AI portfolio. AMD’s moves come at a critical time for the company, which has watched rival Nvidia’s stock rocket over 150% in the past year. While AMD’s stock performance has lagged, its fundamentals have been quietly improving — especially in data center sales — and its ability to show tangible AI progress just gave investors a fresh reason to believe.

Meta is introducing ads to WhatsApp's 2 billion users

WhatsApp ads will only appear on the Updates page, Meta said, and don't jeopardize your messages privacy

Ads are finally coming to WhatsApp.

Meta said Monday that it will introduce ads to WhatsApp's Updates tab, “away from your personal chats.”

"This means if you only use WhatsApp to chat with friends and loved ones, there will be no change to your experience at all,” Meta said.

The news comes more than 10 years after Meta purchased WhatsApp for $19 billion in 2014 without a clear plan on how to make money from the service. WhatsApp is now used by two billion people.

Meta, which also owns Facebook and Instagram, said it is putting advertising on the platform in "the most privacy-oriented way possible.” 

Personal messages, calls, and statuses will still be end-to-end encrypted, and the company said it will use limited personal data, like a person’s country, city of origin, and language, to target ads to individuals.

If a user's WhatsApp is linked to other Meta accounts, the company will use preferences from those platforms to inform WhatsApp marketing.

"We will never sell or share your phone number to advertisers,” Meta said. "Your personal messages, calls and groups you are in will not be used to determine the ads you may see."

The social media company was embroiled in a privacy scandal for years after it was revealed tens of millions of users had their data improperly shared with the former political consulting firm Cambridge Analytica in the U.K.

Ads in WhatsApp might prove needed to Meta's bottom line, as it invests billions on artificial intelligence.

The company said it doesn't plan to introduce ads within messages or chats.

Reddit is getting into AI-driven ads

The company is rolling out AI-powered ad tools designed to turn on-platform conversations into scalable marketing insights — with CVS on board.

Reddit is hoping to convince marketers that all the noise on its platform is, in fact, a signal. At the Cannes Lions ad festival this week, the company unveiled two tools under a “Reddit Community Intelligence” umbrella — part of an AI-powered push to mine its user-generated content for brand insights and marketing performance. 

The announcement comes at a pivotal moment for Reddit, which is still trying to prove that it can be a serious contender in the ad business following its IPO earlier this year. The company’s stock was up 3.6% around midday Monday.

The first tool, Reddit Insights, is a scalable social-listening product that lets marketers analyze Reddit’s posts and comments for trends, sentiment, and cues. The second tool, Conversation Summary Add-ons, embeds positive user-generated posts into ad units. Reddit claims early tests (through companies such as Lucid and Jackbox Games) showed a 19% higher click-through rate than standard image ads.

This isn’t Reddit’s first foray into advertising, but it marks one of its most aggressive attempts yet to move from “hard to monetize” to “ad tech player.” While social platforms such as Facebook and TikTok rely on massive ad budgets and tightly controlled algorithms, Reddit is betting that the real-time, unfiltered nature of its communities — combined with some AI polish — can deliver a different kind of value: authenticity at scale.

CVS will be one of the first big partners to test that thesis. 

Through a just-announced data-sharing deal, the retailer will combine insights from its 90 million-person loyalty program with Reddit’s 108 million daily users. Advertisers will be able to target CVS shoppers based on Reddit activity — and track whether those shoppers go on to make purchases online or in-store. The partnership reflects a broader push by retailers to stretch their media networks beyond their platforms, while giving Reddit a chance to tap into top marketing dollars typically reserved for companies such as Amazon and Walmart.

This push is also part of Reddit’s broader AI strategy.

The company recently launched Reddit Answers, a generative-AI product that summarizes community responses to user questions. Unlike its competitors’ AI products, Reddit’s attempt links back to original posts in an attempt at maintaining transparency and driving engagement within its ecosystem. Reddit is also forging secure data-licensing deals with Google and OpenAI (and notably not with Anthropic, which Reddit is suing for alleged unlicensed AI training).

Now that the ad stack is solid, and generative-AI staples such as headline generators and ad-review bots are live, the company is fast-tracking “community marketing” as its next big lever, Reddit COO Jen Wong told Axios.

“Reddit responds so quickly to new products and what’s happening in the world,” she said. “That’s why it’s so credible and valuable to businesses trying to make decisions in everything — how to market, how to find their customers, how they’re doing in customer service.”

Since its March 2024 IPO, Reddit’s stock has been on a rollercoaster — tripling at one point, then offloading about 30% in early 2025 amid concerns over how Google’s AI Overviews could overshadow Reddit’s traffic. The company reported $358.6 million in ad revenue in the fiscal first quarter, up 61% year-over-year, and while the platform faces pressure from macro factors (trade policy shifts, WPP’s trimming of global ad growth forecasts, and Google search volatility) its bet is straightforward: There’s lots of money in the global ad game.

And there’s broader industry momentum behind the push. Platforms such as Snap and Pinterest have already doubled down on AI-driven ad tools. A big part of the bull case for Reddit rests on its ability to translate high-intent conversations — particularly around categories such as health, tech, and finance — into advertiser value without alienating its opinionated user base.

Whether brands will embrace ads built from Reddit threads remains to be seen. But the company is making a clear pitch: In an era of algorithms, Reddit offers messy, human nuance — and now, a way to package that all up for marketers.

The Trump family is launching a mobile service — and a $499 gold phone

Trump Mobile will offer a wireless plan and a gold, Trump-branded Android smartphone under a licensing deal.

The Trump Organization announced Tuesday that it plans to launch a wireless phone service and a $499 gold smartphone in September.

The company, which is run by President Donald Trump's sons — Eric Trump and Donald Trump Jr. — called the upcoming mobile plan a “bold new wireless service for Americans."

Trump Mobile will offer a contract called "The 47 Plan," which provides unlimited talk, text, and data for $47.45 a month, among other features. The Trump Organization also said it will release the T1 Phone in August, a gold smartphone that resembles an iPhone in appearance and runs Android 15 — a version of Google's operating system that debuted in 2024.

The products are essentially licensing deals. In its press release for the announcement, Trump Mobile said its offerings were “not designed, developed, manufactured, distributed or sold by The Trump Organization or any of their respective affiliates or principals.”

It added that Trump Mobile uses the Trump "name and trademark pursuant to the terms of a limited license agreement," which can be terminated.

Trump Mobile is a mobile virtual network operator (MVNO), which means its service is powered by preexisting wireless infrastructure. In this case, the Trump family venture indicated it's buying capacity from all three major carriers — Verizon, AT&T, and T-Mobile. Competitive MVNO unlimited plans, such as those from Boost Mobile and Spectrum, can go for $30 per month or less.

Donald Trump Jr., the executive vice president of the Trump Organization, said Trump Mobile is part of a push to “put America first.”

“Our company is based right here in the United States because we know it’s what our customers want and deserve,” he added.

The mobile service is the most recent attempt by the president’s children to profit off the Trump name while he is in office; it follows crypto ventures, Trump gold clubs, and other licensing deals, many of which have increased greatly in value since the president’s reelection.

Many of the deals have sparked outrage from Democrats in Congress, who have said that the Trump Organization's business dealings happening alongside the president's time in office amount to corruption.

Democratic Sen. Richard Blumenthal of Connecticut, who is leading an investigation into Trump’s crypto ties, said recently that “Donald Trump is selling cryptocurrency like snake oil in the Wild West, and he’s put a for sale sign on the White House for his meme coin.”

—Shannon Carroll contributed to this article.

JPMorgan Chase and American Express kick their luxury credit card rivalry up a notch

Both companies promise greater rewards with revamps of Sapphire Reserve and Platinum cards

JPMorgan Chase and American Express will launch new high-end credit cards later this year, giving consumers the luxury of choice.

The Sapphire Reserve card from JPMorgan Chase debuted in 2016 and quickly became popular for its dining and travel rewards program, especially among millennials. It was a bit too popular, actually: costing the bank $200 million in the final quarter of that year and straining relations with airlines. In response, the bank cut back on some of the perks.

American Express, who pioneered the field by introducing its gold card almost 60 years ago, also announced on Monday that they were instituting major changes to their consumer and business platinum cards, claiming it will be “its largest investment ever in a card refresh,” and telling CNBC that it will offer “a whole bunch of new and exciting benefits and value that will far, far, far exceed the annual fee.”

Sapphire Reserve currently costs $550 a year plus $75 per user associated with the card. American Express Platinum costs $800 a year plus $250 for additional cards. Both cards are expected to raise their fees when new benefits are rolled out this fall. 

Credit-card rewards programs have been immensely popular with younger consumers over the last decade. However, those same consumers are now facing a new credit crunch: the federal government is now cracking down on missed student-loan payments after a five-year pause.

The timing is especially challenging for younger borrowers. Unemployment among college graduates ages 20 to 24 has risen to 6.6%, the highest level in a decade outside of the pandemic. New graduates face stiff competitions for jobs, with many entry-level jobs now requiring years of experience. Even retail and restaurant jobs can be hard to come by

Combined with proposed cuts to federal student aid in President Donald Trump’s broader budget plan, the resumption of collections signals a new era of aggressive enforcement — and growing financial strain for borrowers across the country. 

Marketing a high-end credit card to that crowd might be a tough sell.

—Catherine Baab contributed to this article.