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MVRPC Resiliency Planning Manager, Elizabeth Baxter, and MVRPC Executive Director, Brian O. Martin The Miami Valley Regional Planning Commission was recognized with a 2025 Aliceann Wohlbruck Impact Award from the National Association of Development Organizations (NADO) for the Regional Resiliency Guidebook & Toolkit. These award-winning efforts were honored during NADO’s 2025 Annual Training Conference, held this past October in Salt Lake City, Utah. MVRPC staff presented the toolkit to attendees. All selected projects are featured in an interactive StoryMap that showcases summaries, images, and key partners. The map is avail able at www.nado.org/2025impactawards . A Toolkit Built from Recovery and Community Strength The toolkit was created as a result of the lessons learned and resources developed from the Memorial Day 2019 Tornadoes. The resources support communities’ efforts to adapt to changing conditions, identify future natural and human-related disaster threats and hazards, and withstand, rapidly recover, and improve from disruption due to future emergencies. MVRPC’s Resiliency Planning Manager, Elizabeth Baxter, worked with the design firm Sasaki & Associates, with support from Laurie Johnson Consulting, to develop the Regional Resiliency Guidebook & Toolkit. The resources cover a variety of topics such as transportation resiliency, establishing recovery networks, and best practices for building and land use. A Regional Honor with National Recognition “To be able to come together as a Region and rebuild our community so quickly was an amazing accomplishment but to turn this disaster into a plan for the future is true resiliency. And now to be recognized with this award and share it across the country with other professionals working to build resilient communities is an honor,” stated MVRPC Executive Director, Brian O. Martin. Presented annually, the NADO Impact Awards honor regional development organizations and their partners for strengthening communities, building regional resilience, and enhancing local economies through innovative approaches to economic and community development. NADO is a Washington, DC-based membership association of regional development organizations that promotes programs and policies that strengthen local governments, communities, and economies. About MVRPC Established in 1964, the Miami Valley Regional Planning Commission promotes collaboration among communities, stakeholders, and residents to advance regional priorities. MVRPC is a forum and resource where the Board of Directors identifies priorities and develops public policy and collaborative strategies to improve the quality of life throughout the Miami Valley Region. MVRPC performs planning and research functions for the region that ensure: Livable and equitable communities Clean air and water Robust roadway, transit, and active transportation options Strategic community plans that guide long-term development MVRPC’s geographic area includes Darke, Greene, Miami, Montgomery, Preble, Shelby, and northern Warren counties in Southwest Ohio. Learn more at mvrpc.org/our-region .

By Greater Dayton Realtist Staff At a packed community forum focused on “Zoning & Housing Solutions for a Stronger Dayton,” local planners, builders, lenders and housing advocates agreed on one thing: Dayton’s housing challenges won’t be solved by old rules or slow processes. The Oct. 27 panel—hosted by the NAACP Dayton Branch at Grace United Methodist Church and moderated by Traci Martin—brought together municipal staff, township planners, small-scale and traditional builders, lenders and community organizations to talk practical solutions for producing and preserving affordable homes. Panelists & Moderator Traci Martin (Moderator) — Housing Chair, NAACP Dayton; President, Greater Dayton Realtist Association Kémo A’akhutera — Mod Fab Inc. / Design to Build (factory/modular homebuilding) Chad M. Adkins, AICP — Harrison Township (planning director/representative) Khalid & Dana Joshua — Integrity & Trust Builders (local residential builders & developers) Tony Kroeger — City of Dayton (city planning/zoning representative) Daniel (D.J.) Sessions — Sessions Lending Group (lending/financing specialist) Kim Williams — Greater Dayton Realtist Association (community real estate leader) Speed Up the System, Make the Rules Flexible A recurring theme was process friction. Builders described projects stalled for months navigating multiple departments and repetitive plan reviews. They urged the city to streamline permitting and introduce single-point-of-contact coordination. City staff confirmed that a new online permitting portal is underway—allowing all reviewing departments to see the same plans simultaneously. Planners say this will cut down on delays, lost documents and duplicate submittals. Panelists also emphasized zoning flexibility. Much of the city’s code still defaults to strictly single-family districts. The city is exploring “gentle density,” including duplexes and accessory dwelling units (ADUs), to increase housing supply without overwhelming neighborhoods. Small Developers Need Clarity and Speed Local builders shared how even modest construction jobs can be slowed for weeks or months. Time delays hurt small developers the most, especially those using private capital or financing with interest costs. Recommendations from the panel included: Clear checklists for plan requirements Unified comments instead of conflicting departmental feedback Staffing support to shorten review timelines Funding, Rehab Programs and Financing Tools Lenders explained financing programs that support both investors and first-time homebuyers, including renovation loans for distressed properties. They stressed the importance of public/private partnerships—especially when projects serve low- or moderate-income residents where subsidies may be needed. Panelists urged more community outreach so residents become aware of the programs available to them. Preventing Displacement & Building Ownership Neighborhood advocates highlighted the need to protect long-term residents from displacement while attracting new development. Community solutions discussed included: Pre-purchase education Credit and lending readiness programs Pathways to homeownership to keep wealth local One panelist summarized: “Development should not happen to a community—it should happen with the community.” Innovation and Cost-Saving Construction Some builders discussed modular and factory-built components that could reduce labor and material costs. However, panelists acknowledged that building codes, permitting processes, and market perception create hurdles for newer methods—particularly for smaller projects. What’s Next City representatives confirmed that Dayton is initiating a comprehensive zoning code update—the first major overhaul in years. Public workshops and community feedback sessions will be scheduled in the coming months. Panelists encouraged residents, neighborhood associations, builders, and business leaders to stay engaged: “Housing solutions require collaboration—city, developers, lenders, and community.” Event note: The NAACP Dayton Branch hosted the forum at Grace United Methodist Church (1001 Harvard Blvd.) on Oct. 27. For more information, contact the NAACP Dayton Branch or the Greater Dayton Realtist Association. See the full video: NAACP Dayton Facebook page: https://www.facebook.com/share/v/1CsPRjEkoh/

(L-R) Derrick Foward, Cora Diggs, Lu Dale The Dayton Branch of the NAACP proudly presented the Community Service Award to longtime educator, real estate leader, and civic advocate Cora H. Diggs  during its annual Freedom Fund Banquet. The award was presented by Mattie White, Vice President of the Dayton Branch NAACP, recognizing Diggs for her decades of unwavering commitment to service, leadership, and community empowerment. The Community Service Award honors individuals who have demonstrated an extraordinary dedication to improving the lives of others. Recipients of this recognition must show a sustained commitment—over ten years or more—of giving their time, talent, and influence to uplift the community and further the advancement of democracy. The honoree must embody what it means to be a true servant leader. This year’s recipient, Cora H. Diggs, exemplifies that standard. A Life Shaped by Determination and Community Born and raised in Foreman, Arkansas, Diggs was one of eleven children. A driven scholar from the beginning, she graduated from Foreman High School in 1965 and went on to earn a bachelor’s degree in business education from Philander Smith College in 1969. Following her passion for teaching, Diggs relocated to Ohio, accepting teaching positions in McConnelsville, Zanesville, and ultimately Dayton. During a visit to Dayton in 1971, she was offered a position that would change her life’s trajectory—Business Education instructor at the Montgomery County Joint Vocational School (now Miami Valley Career Technology Center). While teaching, Diggs continued her education, earning a master’s degree from Wright State University. After ten years shaping young minds in the classroom, Diggs transitioned into corporate work as a Marketing Analyst at General Motors. It was there she met her future husband and business partner, Frederick J. Diggs, Jr. Champion of Fair Housing and Entrepreneurship In 1986, Fred and Cora earned their real estate licenses, followed by broker licenses in 1989. That same year, they co-founded Realty World People First Realty , a minority-owned firm built on the principle of “fulfilling the American Dream of homeownership by putting people first.” Under their leadership, the company became one of Ohio’s largest minority-owned real estate brokerages, partnering with HUD, VA, Freddie Mac, Fannie Mae, and local government agencies. Their company was later acquired by HER Realtors (now Howard Hanna Real Estate Services) in 2005, where the couple became Founding Partners. With more than 39 years in real estate, Diggs continues to serve as a licensed Realtor and President of the Greater Dayton Realtist Association, the local chapter of the National Association of Real Estate Brokers (NAREB), whose mission is to “promote democracy in housing.” Service Beyond Business Diggs’ impact reaches well beyond real estate. She has: Mentored youth through Montgomery County Youth Services Volunteered with Habitat for Humanity and local food pantries Served on Dayton Realtors’ Diversity, Equity & Inclusion Committee Her leadership and advocacy have earned multiple awards, including: Marie Kindrick Fair Housing Award KeyBank Community Recognition Award Dayton Real Estate Ambassador for the City of Dayton Legacy Honoree, Dayton Montgomery County Black Elected Officials (2022) Diggs and her husband were also featured in the PBS documentary Redlining: Mapping Inequality in Dayton and Springfield , highlighting their advocacy for fair housing and neighborhood revitalization.

Helen Jones-Kelley, Executive Director Montgomery County ADAMHS Montgomery County ADAMHS announces the retirement of Executive Director Helen Jones-Kelley. Jones-Kelley has led policy setting, funding, and strategic programming for the delivery of Montgomery County’s public behavioral health system since 2011. She has provided oversight for federal and state behavioral health programs at the local level while developing partnerships across the continuum of care, including hospitals, law enforcement, the court system, social services, and other key stakeholders, to ensure quality delivery of evidence-based mental health programs. ADAMHS employees 32 staff and maintains a $40 million annual budget. Jones-Kelley’s career of service and leadership has been well regarded throughout the region. “Helen’s exemplary leadership and expertise will be difficult to replace. But with every change new horizons unfold. Helen leaves a very strong foundation for ADAMHS to continue to thrive; Montgomery County ADAMHS has become a strong organizational model. On behalf of the Board, the very best is extended to her on her future personal and professional journey. It has been a pleasure working with her in my tenure and leadership of the ADAMHS Board,” said Victor McCarley, Psy.D., Chair, ADAMHS Board of Trustees. Reverend Vanessa Ward, President, Omega Community Development Corporation, added, “We extend heartfelt gratitude to Helen for her years of distinguished service that has rippled throughout the Dayton community, the State of Ohio, and the Nation. Her dedication and leadership have laid the groundwork for organizations like Omega Community Development Corporation to expand our reach, strengthen our professional standards, and enhance both our expertise and impact.” “Helen is a visionary thinker, an expert in her field who has demonstrated what it looks like to lead alcohol, drug addiction, and mental health services. She leads with yes, and her empathy and compassion are present in all she does, not just for the clients she serves, but also the stakeholders with whom she collaborates,” said Michelle Riley, CEO, The Foodbank. Before joining ADAMHS, Jones-Kelley served as the Special Assistant for External Affairs to the President of Central State University (CSU), where she also served as University Counsel and Secretary for the Board of Trustees. Prior to CSU she served as Director of the Ohio Department of Job and Family Services (ODJFS), where she was responsible for policy setting and the allocation of state and federal funds for child welfare, public assistance, child support enforcement, unemployment services, and other grant-funded programs. Key accomplishments include implementing gap coverage for youths aging out of the foster care system who desired to attend college, leading the expansion of Ohio’s Medicaid programs to cover pregnant and parenting women, and increasing eligibility for uninsured children. Jones-Kelley also led in many roles in Montgomery County, all focusing on improving the lives of children and their families. As the Director of Job and Family Services, she reduced the number of children entering foster care while increasing the number who went on to higher education opportunities. As the Assistant Legal Director of the Montgomery County Juvenile Court, she implemented the Court Appointed Special Advocate (CASA) Program to prepare community volunteers to serve as Guardians at Litem, thus enhancing the quality of representation and reducing the Court’s cost to pay attorneys for this role. The CASA Program continues to serve children today. Helen credits the staff and Board at ADAMHS for the strong position the organization is in. “The team we’ve built is knowledgeable, compassionate and tireless. I know I leave the organization in great hands, with strong Board leadership and the most effective, talented staff getting the work done every day, on behalf of all the entire community,” said Jones-Kelley. Jones-Kelley is a servant leader, serving on many boards, including: Sinclair Community College Dayton Children’s Hospital Parity, Inc. OnMain, Inc. Montgomery County Family and Children First Council Immediate Past President of the Dayton Chapter of The Links, Incorporated Co-Founder of the African American Women’s Giving Circle Prior civic service includes: Clothes That Work (Co-founder) The Dayton Foundation University of Dayton School of Law Advisory Board Ohio Supreme Court Co-Chair of the Advisory Committee on Children, Families, and the Courts PEW Commission on Children in Foster Care Miami Valley Hospital and Premier Health Helen has been recognized with multiple honors for her community service and leadership, including: Dayton Daily News Ten Top Women YWCA Women of Influence Lifetime Achievement Top Ten African American Women in Dayton DBJ Power 50 and Women Who Mean Business NCCJ Humanitarian Award Urban League Pillar Award John E. Moore Sr. Diversity Lifetime Achievement Award Service Leadership Award, Dayton Area Chamber of Commerce Leadership Dayton She received her Juris Doctor from the University of Dayton School of Law and her undergraduate degree from Miami University, where she also completed graduate studies in Aging and Human Services Leadership in the Scripps School. Throughout her career, her family has remained her top priority and is the reason she is driven to improve the lives of families and children. Her last day with Montgomery County ADAMHS will be February 5, 2026.

In a social media post this past Saturday, Federal Housing Finance Agency (FHFA) Director Bill Pulte noted that the Trump administration is planning to introduce 50-year mortgage terms for prospective homebuyers. This could make 50-year mortgages a common option. Here’s a breakdown of how a 50-year mortgage works, who it may benefit, and where it may fall short. What Is a 50-Year Mortgage? A 50-year mortgage is a home loan with a repayment term of 50 years. Like other fixed-rate mortgages, the borrower makes regular monthly payments of principal and interest over the life of the loan. On the surface, it appears to be a practical solution to today’s affordability crisis. But will it truly benefit homebuyers—or simply increase lender profitability? Let’s take a closer look. Key Features Lower Monthly Payments : This makes homeownership more accessible for some borrowers. Longer Repayment Period : The 50-year term is significantly longer than the conventional 15- or 30-year mortgage. This can be both a benefit and a drawback. Higher Total Interest : Borrowers pay considerably more interest over the life of the loan. Limited Availability : 50-year mortgages are uncommon today. However, the current administration and FHFA may push to make them mainstream. Advantages Affordability : Buyers may qualify for larger loans or afford homes that would otherwise be out of reach. Cash Flow Flexibility : Lower monthly payments free up cash for savings, debt reduction, or other financial goals. Appeal for First-Time Buyers : Lower payments can help new buyers struggling with affordability challenges. Disadvantages Greater Total Interest Cost : The amount of interest paid over 50 years may outweigh the benefit of a lower monthly payment. Slower Equity Build-Up : A longer term means smaller principal payments—and much slower equity growth. R isk of Negative Equity : If market values decline, borrowers may owe more than the home is worth. Potential for Higher Interest Rates: Lenders may charge higher rates for a longer-term product. Bottom Line The 50-year mortgage is not new—it has been used in extremely high-cost markets like California for years. But now, the affordability pressure driving these products is spreading across the country, including Ohio. While lower monthly payments are appealing, a 50-year mortgage does not  solve the housing affordability crisis. Prices often rise as demand increases and inventory drops. And once borrowers calculate the lifetime interest paid and slower equity buildup, the benefits appear far less compelling. Many people rely on equity to purchase their next home or supplement retirement. A 50-year term delays that opportunity significantly. Conclusion Homebuyers have two essential partners in navigating these decisions: their real estate agent and their mortgage loan officer. A 50-year mortgage may make sense if you need temporary cash flow relief—such as during the children’s college years or when eliminating major debt. And remember, even a 50-year loan can be retired early with consistent principal prepayments. So perhaps homebuyers can  have their cake and eat it too— if  they fully understand the trade-offs. Reach out to trained and experienced professionals for guidance tailored to your goals, budget, and long-term plans. We’re here to help. Alfred Patterson, Mortgage Loan Officer – C&G Mortgage LLC, alfred@candgmortgage.com

Retailers tout cheaper holiday meals, but per-person portions tell a different story By RoShawn Winburn, Dayton Weekly News When scrolling through headlines this November readers might think the grocery aisles are finally offering relief. Walmart announced a Thanksgiving dinner for ten people at under $4 per person — a dramatic improvement from 2024's $7-per-person deal. Kroger and ALDI made similar claims. Political voices quickly seized the narrative, as proof that inflation is cooling, that economic policy is working, and that American families can breathe easier. But walk down the aisles of Kroger, Aldi, or Walmart, and a different story emerges. The deals are real. The savings are advertised. Yet, the plates — the actual food Americans will put on their tables — are noticeably smaller. What's Really Being Compared? In 2024, Walmart's Thanksgiving basket contained 29 items and served eight people for approximately $56 total. In 2025, the company announced a meal for ten people at roughly $40, offering a $16 price drop and what appears to be a 40% improvement per person. The catch? The 2025 basket contains only 15 items. That's 48% fewer products feeding 25% more people. The math doesn't add up to more. It adds up to less. This isn't unique to Walmart. Across retailers, the pattern repeats: maintain the price point, reduce the contents, celebrate the "savings." It's a marketing strategy that works because it tells us what we want to hear, even as it delivers less than what we need. What Dayton Shoppers Are Actually Buying For Dayton families, Kroger remains a Thanksgiving staple. In 2024, Kroger's "Freshgiving" bundle promised a meal for 10 at less than $4.85 per person, featuring a 14-16 pound turkey at 49¢ per pound, along with stuffing, sides, and pumpkin pie. In 2025, Kroger maintained similar promotional language. But the American Farm Bureau Federation reports that turkey prices have risen from $0.94 per pound in 2024 to $1.32 per pound in 2025 — a 40% increase. To keep the advertised price point attractive, something had to give. What gave was the plate itself. The 2025 "deal" maintains its affordability through a combination of smaller turkeys, increased store-brand substitutions, and reduced side dish quantities. The promotional price stays politically palatable. The portion size becomes economically necessary. A Neutral Analysis To cut through the political noise, we need transparent methodology. I analyzed the real value, comparing meal components, per-diner portions (turkey weight, sides, desserts), inflation adjustment (≈3% from 2024 to 2025), and benchmarked against American Farm Bureau Federation's national average ($58.08 in 2024, or $5.80 per person). The Result:  Thanksgiving isn't cheaper. It's smaller. When normalized for inflation and portion size, the "$4-per-person" 2025 meal would cost approximately $50-$54 if it matched 2024 servings — roughly equivalent to the previous year. The "savings" are real only if we accept that less food for the same occasion counts as economic progress. As for me, and my house, we still want full plates! Visualizing the Truth: Two Plates, One Reality The clearest way to understand this isn't through political debate or economic theory. It's through two dinner plates, side by side. The 2024 Plate:  A thick slice of turkey, two helpings of mashed potatoes, corn, stuffing, green beans, a roll, and a generous slice of pie. Traditional abundance. The 2025 Plate:  Smaller turkey portion, single scoop of potatoes, one roll, thinner dessert slice. Functional, but noticeably less. This isn't a political statement. It's a physical reality. The 2025 plate isn't just "restructured for efficiency," it's smaller because economic pressures, from farm to table, demand it be smaller.  "Smaller plates aren't just a marketing trick — they reflect a larger economic squeeze." The Broader Pressure: Why Consumption Is Shrinking Across the Board The Thanksgiving plate is a microcosm of a national trend. Americans are being pressed toward reduced consumption from multiple directions, regardless of political affiliation or economic philosophy. SNAP Benefits Under Pressure:  Changes in federal reconciliation packages have resulted in 22.3 million families losing some or all of their SNAP benefits, according to the Urban Institute. During the recent government shutdown, the Trump administration initially cut November SNAP benefits by 50%, later adjusted to 35%, with significant delays in distribution. Nearly 42 million people who rely on SNAP faced benefit disruptions starting November 1, 2025. For Dayton families already stretching budgets, this isn't abstract policy — it's empty pantries. Government Shutdowns and Delayed Assistance:  Continuing budget battles and shutdown threats delay funding for nutrition programs precisely when families need them most. The uncertainty compounds the problem: even when benefits eventually arrive, the gap period forces impossible choices. The Housing-Food Trade-off:  Rising housing costs and utility bills eat away at disposable income. When rent increases but wages don't keep pace, the grocery budget becomes the release valve. Inflation in food prices might appear "tame" in government reports, but households experiencing it directly know that "tame" still means choosing between quality and quantity. Corporate Shrinkflation:  Beyond holiday deals, everyday grocery shopping reveals the same pattern: smaller packages at the same prices, fewer items per box, thinner cuts of meat. The price tag stays familiar; the value inside diminishes. What It Means for Dayton Families From a shopper's perspective, a $40 meal for ten sounds like progress. It's a headline that suggests relief, an indicator that maybe things are getting better. However, if those ten people leave the table less satisfied, if children get smaller portions, if grandparents skip seconds they used to enjoy — then the "savings" become hollow. The benefit is psychological, not nutritional. It's a temporary comfort that doesn't fill the actual need. This is the quiet tension of 2025. We're told prices are improving while experiencing that what we get for those prices is less. Both can be technically true. Both can feel dishonest. The Takeaway Whether you view the current economy as strengthening or weakening, whether you credit or blame current or past administrations, the truth sits quietly between the headlines: Americans aren't necessarily paying less — they're eating less. The smaller Thanksgiving plate isn't just a retail strategy or a political talking point. It's a snapshot of the American household in 2025 — stretching what's left to feed everyone at the table, making less feel like enough, and normalizing a gradual reduction in what we once considered standard. The political debate will continue, but at kitchen tables across Dayton neighborhoods, the reality is visible on the plate itself. Smaller portions. Tighter budgets. More pressure. Less abundance. That's not a political statement. It's Thanksgiving 2025. For Dayton families needing additional food assistance, The Foodbank, Inc. serves Montgomery, Greene, and Preble counties. Call 937-461-0265 or visit thefoodbankdayton.org for resources.

For over 40 years, The Foodbank, Inc. has stood as the backbone of hunger relief across the Miami Valley. As the region’s only food bank, it serves as the primary source of nourishment and support for a vast network of local pantries, community kitchens, and shelters. Through its ongoing commitment to “Eliminating hunger and its root causes,” The Foodbank provides the infrastructure that empowers more than 110 partner agencies serving Montgomery, Greene, and Preble counties. Each day, The Foodbank acquires, sorts, and distributes thousands of pounds of food to community partners—making it possible for families, seniors, and individuals in crisis to access nutritious meals. Beyond immediate food distribution, the organization works to address the root causes of food insecurity, tackling issues like poverty, unemployment, and access to healthy food options. As part of Feeding America’s national network of 206 food banks and a proud member of the Ohio Association of Foodbanks, The Foodbank’s reach extends far beyond hunger relief. It also contributes to disaster recovery, workforce development, and community development, ensuring that the region is not only fed—but equipped to thrive. Connecting Resources, Building Community Inspired by The Foodbank, Inc.’s Resource Guide , the Dayton Weekly News is compiling a community-wide directory of essential services to support residents in times of need. This living list  will bring together local resources for food, housing, employment, health care, and financial assistance—making it easier for families to find help when they need it most. By uniting organizations and information in one place, the Dayton Weekly aims to strengthen the region through access, awareness, and community care. Like The Foodbank, our mission is rooted in the belief that no one should face hardship alone—and that when we share resources, we build a stronger Dayton together. How to Get Involved Residents can support The Foodbank by donating funds, hosting food drives, or volunteering their time. V isit thefoodbankdayton.org  to learn more about how you can join the fight against hunger in the Miami Valley.

Let’s be honest — most of us don’t pay close attention to what’s happening in Washington until it starts to hit our pockets. Well, the federal government officially shut down again on October 1, and for a lot of families right here in Dayton, that means real-life stress. When government offices close, things we depend on — like income verifications, tax transcripts, and housing programs — start to slow down or stop altogether. For anyone trying to buy a home, refinance, or close on a loan, that can mean unexpected delays, extra paperwork, and a whole lot of worry. Big lenders like PennyMac have already started adjusting their rules to deal with this situation. It is temporary, but it shows how quickly political decisions can shake up the housing market. What It Means for Homebuyers If you’re a government worker, a contractor, or even a small business owner who depends on federal work, this shutdown can hit close to home. Here’s what’s happening behind the scenes: Lenders can’t always verify your income the usual way, so they might ask for older paystubs or a furlough letter from your job. Some loan programs, especially USDA and FHA loans, could face delays because they rely on government offices that are now closed. Flood insurance renewals and tax transcripts might take longer than usual to process. None of this means your home dreams are over — but it might take extra patience and communication with your lender to keep things on track. Why Black Families Feel It the Most In our community, homeownership isn’t just about buying a house — it’s about building generational wealth. But the truth is, the Black homeownership rate still trails far behind that of white households across the country. And every time the government shuts down, it sets us back even more. Many of us work in public service — as postal workers, teachers, military members, or federal employees. When those paychecks pause, it’s harder to qualify for a loan or close on a home. It’s not just a money issue — it’s a stability issue. And in neighborhoods like ours, stability is everything. Standing Strong Together At SLG | Sessions Lending Group , we see how these shutdowns affect everyday people. But I also see something powerful: the determination in our community to keep moving forward. Even when things get tough, families still show up ready to buy that first home, refinance their property, or invest in real estate. That’s the Dayton spirit — strong, steady, and hopeful. So, what can we do right now? Stay informed.  Ask questions and make sure you understand how national changes affect your local situation. Work with people who care.  Partner with lenders who know your story and are ready to fight for your success. Use your voice.  Whether it’s through voting or community engagement, make sure your concerns are heard where decisions are made. Closing Thought The government might shut down, but our determination doesn’t have to. We’ve been through harder times and come out stronger. This is just another reminder that we can’t rely on policy alone — we have to rely on each other. Let’s keep building, keep learning, and keep creating opportunities for our families right here in Dayton.

For the thousands of Black professionals, parents, and graduates in the Miami Valley carrying the weight of student debt, a significant legal development has emerged following months of uncertainty. On October 18, 2025, the Trump administration agreed to resume loan cancellations under certain Income-Driven Repayment (IDR) programs after settling a lawsuit filed by the American Federation of Teachers (AFT). This agreement, filed as a joint status report in federal court, represents a major shift after the administration had paused forgiveness processing earlier this year. Why This Matters for Black Borrowers The stakes are particularly high for Black families in Dayton and nationwide. Research from the Brookings Institution has documented persistent racial disparities in student debt: Black college graduates owe an average of $52,726 four years after graduation, compared to $28,006 for white graduates—a gap of approximately $25,000. This disparity stems from multiple structural factors, including lower family wealth, higher enrollment in graduate programs (particularly at for-profit institutions), and lower returns on educational credentials in the labor market. In Montgomery County, where significant numbers of Black adults carry student debt, this burden has created substantial barriers to homeownership, business creation, and wealth building. The Legal Background The resumption of forgiveness follows a contentious period: March 2025 : The AFT filed suit (AFT v. U.S. Department of Education, Case 1:25-cv-00802) after the Trump administration removed IDR applications from federal websites and issued directives to halt processing. October 18, 2025 : Both parties filed a joint status report agreeing to resume forgiveness under Income-Contingent Repayment (ICR), Pay As You Earn (PAYE), and Income-Based Repayment (IBR) plans. According to the AFT's October 18 press release, AFT President Randi Weingarten stated: "For nearly a decade, the AFT has fought for the rights of student loan borrowers to be freed from the shackles of unjust debt—and today, a huge part of that affordability fight was vindicated." Winston Berkman-Breen, legal director for Protect Borrowers (the AFT's counsel), added: "The U.S. Department of Education has agreed to follow the law and deliver congressionally mandated affordable payments and debt relief to hard-working public service workers across the country." Who Qualifies Under the settlement agreement, borrowers are eligible for automatic loan cancellation if they meet these criteria: Eligible for Automatic Forgiveness: Borrowers enrolled in ICR, PAYE, or IBR plans who have made 20-25 years of qualifying payments (depending on the specific plan and loan type) Those with undergraduate-only debt: 20 years (240 payments) Those with any graduate debt: 25 years (300 payments) Important Notes: Borrowers enrolled in the SAVE plan remain in administrative forbearance due to separate ongoing litigation and are not currently accruing forgiveness credit The Department of Education began sending notification emails in October 2025 Borrowers have 30 days to opt out after receiving notification This affects an estimated 2.5 million borrowers nationally The Tax Protection Provision A critical component of the agreement addresses what advocates call the "tax bomb." Under the American Rescue Plan Act of 2021, student loan forgiveness is exempt from federal taxation—but only through December 31, 2025. The settlement agreement ensures that borrowers who become eligible for forgiveness in 2025 will be treated as having their loans canceled in 2025 for tax purposes, even if processing delays push the actual discharge into 2026. This protects them from potentially owing federal taxes on tens of thousands of dollars in forgiven debt. What Dayton Borrowers Should Do Now Given the complex history of payment count errors and processing delays, borrowers should take these steps: Verify Your Records - Log into your account at  StudentAid.gov  using your FSA ID. Check: Your current repayment plan Your payment history and count toward forgiveness Whether all past payments have been properly credited Document Everything - If your payment count seems incorrect, gather documentation including: Payment confirmations from your servicer Tax records showing student loan interest deductions Employment verification if pursuing Public Service Loan Forgiveness File Complaints If Needed - If you identify discrepancies, you can: Submit a complaint through the Federal Student Aid feedback system Contact the  Federal Student Aid Ombudsman File reconsideration requests for payment count corrections Seek Local Guidance - For questions about how loan forgiveness might affect your financial planning: Minority Business Assistance Center (MBAC) : Guidance for entrepreneurs on managing business finances post-forgiveness Greater Dayton Realtist Association : Advice on homeownership pathways after debt cancellation Sinclair College Financial Aid Office : General financial literacy resources Ongoing Uncertainty What remains unclear: How quickly the Department of Education will process forgiveness applications given reported staffing reductions Whether future policy changes under the Trump administration might affect these programs The outcome of separate litigation affecting the SAVE plan How the proposed Repayment Assistance Plan (RAP), which would replace most IDR plans by 2028 under recently passed legislation, will be implemented The Department of Education did not respond to media requests for comment on processing timelines or staffing levels. Looking Ahead For many who have been making payments for decades, this settlement represents long-awaited relief. However, the agreement requires ongoing court supervision, with the government mandating to file progress reports every six months on application processing and forgiveness implementation. "The U.S. Department of Education has agreed to follow the law and deliver congressionally mandated affordable payments and debt relief," said Berkman-Breen. "We fully intend to hold them to their word." For More Information: Federal Student Aid:  StudentAid.gov AFT lawsuit information:  AFT.org Protect Borrowers resources:  ProtectBorrowers.org

Notre Dame head coach Marcus Freeman recently presented a $330,000 donation  to the Huber Heights City Schools district to fund construction of a new athletic weight room  at Wayne High School. Freeman, a proud Wayne graduate, announced the contribution via video during the October school board meeting, sharing his deep appreciation for his hometown. “Honor, pride, and gratitude are just a few of the life skills I learned growing up in Huber Heights City Schools,” Freeman said in the video. “The love, selflessness, and care that many people in the Huber Heights community have for its young people is rare. I’ve grown to understand the privilege it is to have grown up in a community like Huber Heights.” Freeman said he feels it’s his duty to give back to the school that gave him his start in life — especially within athletics. “I often tell our players that with tradition comes responsibility; the tradition of Wayne High School reminds me of the responsibility I have to represent the community that helped raise me the right way,” he said. “The values I learned in the weight room were so important to the foundation for my future. Not only did I learn to choose hard, but I learned that to be successful, it takes more than one. I wouldn’t have grown physically or mentally in that weight room on my own. I needed my coaches, teammates, and equipment to help me reach my full potential.” Superintendent Jason Enix  praised Freeman’s gift and his continued connection to his roots. “For all of us that walk the halls of Huber Heights City Schools and Wayne High School, we can relate to that sense of pride,” Enix said. “To have fellow alumni like Marcus Freeman, who have gone on to do remarkable things, and with his prominence at Notre Dame, to take the time and responsibility of providing a financial gift to the district—it really says a lot about what the district did for him and his family.” Freeman graduated from Wayne High School in 2004  and went on to play linebacker for The Ohio State University (2004–2008)  before beginning his coaching career. His coaching journey has included time at Ohio State, Kent State, Purdue, and the University of Cincinnati  before joining Notre Dame in 2021 , first as defensive coordinator and now as head coach. His generous gift reflects his continued commitment to leadership, education, and the values he learned growing up in Huber Heights — a community that continues to shape champions both on and off the field. Have a story of giving back or community leadership in the Miami Valley? Share it with the Dayton Weekly News  team at rw@thedwn.co m  for a chance to be featured in an upcoming issue.

Helen Jones-Kelley, Montgomery County ADAMHS Executive Director Helen Jones-Kelley, Montgomery County ADAMHS Executive Director, will be honored with the Board Service Career Award  at Leadership Dayton’s 50th Anniversary Gala. This milestone celebration will honor five decades of cultivating leaders, strengthening the Dayton community, and shaping Dayton’s future. The Board Service Career Award recognizes a Leadership Dayton member who has exemplified outstanding leadership on nonprofit boards. For the 50th anniversary, the Leadership Dayton Alumni Committee is recognizing career achievement for this award. Jones-Kelley was selected as this year’s honoree due to her extraordinary record of board service, including her current roles chairing the Dayton Chapter of The Links, Inc. and serving on the boards for Dayton Children’s Hospital, On Main Inc., and A Special Wish Foundation of Southwest Ohio. She recently concluded more than a decade of service on Sinclair Community College’s Board of Trustees and has previously served on the boards of the Dayton Foundation, Premier Health, the Family and Children First Council, the Dayton Performing Arts Alliance, and the KeyBank Advisory Board, among others. In addition, Helen has chaired the National CASA Board and the Miami Valley Hospital Board. “Leadership Dayton is such a unique resource in our community. Its impeccable list of alumni includes the top leaders in Dayton, many of whom can attribute their success to the knowledge, networking and support they gained through the Leadership Dayton experience. I treasure working with the Leadership Dayton class each year and am honored to receive this award to celebrate its 50th anniversary,” said Helen Jones-Kelley. “Thank you to the Leadership Dayton Board of Governors, the Leadership Dayton Alumni Association Committee, and the Dayton Area Chamber of Commerce for this prestigious honor.” The Leadership Dayton 50th Anniversary Gala took place on Wednesday, October 22 at the Steam Plant.

Dayton Pioneer, Baltimore Oriole, Mentor, and Servant-Leader M.C. Adolphus “Mickey” McGuire Jr. M.C. Adolphus “Mickey” McGuire Jr., an enduring figure in Dayton sports, community, and faith, passed away peacefully on October 19, 2025, at the age of 84. Born on January 18, 1941, in Dayton, Ohio, as the seventh of 13 children, McGuire’s life journey stretched from the Melba Street sandlots to Major League stadiums, ultimately returning home to a dedicated career as a teacher, businessman, and anchor in the community. He is remembered for his quiet resolve, his passion for developing others, and a deep-seated faith that guided his every endeavor. McGuire was a standout athlete at Paul Laurence Dunbar High School, excelling in both football and basketball. He was the first, and only, freshman to play varsity in all three sports - basketball, football and baseball. He etched his name in local history by becoming the first Black quarterback in Montgomery County to be named All-City. Since Dunbar did not field a baseball team at the time, he honed his diamond skills playing with church, industrial, and amateur teams across the city. He often credited his older mentors for his development, recalling their guidance with a characteristic sense of gratitude. “I remembered most of the things they told me,” he once said, “and I practiced them at every opportunity.” Professional Life On February 15, 1960, the Baltimore Orioles signed the 19-year-old shortstop, impressed by his speed, defensive skills, and strong arm. He debuted in the Major Leagues on September 7, 1962, and returned to the Orioles in 1967. It was during that 1967 season that McGuire notched his first Major League hit, a single off Boston Red Sox left-hander Sparky Lyle. McGuire’s professional career spanned 15 seasons across two continents, during which he played every infield position in the Orioles’ minor league chain. He enjoyed banner seasons under future Hall of Fame manager Earl Weaver at Triple-A Rochester, batting .307 in 1966, and later with the Triple-A Tucson Toros, where he hit an impressive .349 in 1971 and was voted the Pacific Coast League’s top utility player. He concluded his playing career by bringing his glove to Asia, playing for the Hiroshima Toyo Carp (1973–74) and contributing to the early wave of American players who helped globalize baseball. Returning to Dayton, McGuire dedicated himself to what he called "building people." He coached at Wright State University and Central State University, assisted at his alma mater Dunbar, and led programs at the Miami Valley School. He spent countless hours shaping young athletes through First Dayton Little League, the DABC, and Ted Mills’ renowned baseball academy, where his calm, exacting standards left a lasting impression on generations of players.   Embodying his belief in "empowering people," McGuire completed his degree at Central State and transitioned his team-first discipline into the business world. He became an insurance agent and perennial top producer, introducing many Dayton families to the security of life insurance. Later, he served the public as an employee of the Montgomery County Treasurer’s Office. A Life Centered in Faith and Family Faith was the cornerstone of McGuire's life. Baptized at Tabernacle Missionary Baptist Church, he was an ordained deacon, sang in the choir, and worked on the finance committee. In later years, he joined St. Paul Global Outreach Ministries (now The Potter’s House–Dayton International Ministries) to support his son, Bishop Dr. Mark C. McGuire Sr., in ministry. He was preceded in death by his first wife, Betty Jane (Bradley) McGuire. He is survived by his wife, Dora (Hamrick) McGuire; his sons Mark (Angela) and M. Chris Sr. (Sherri); devoted grandchildren and great-grandchildren; a wide circle of loving siblings; and a host of kin and friends who felt like family. Mickey McGuire’s story is a profound Dayton narrative: a barrier-breaking athlete who reached the big leagues, carried his talent to Japan, and then came home to build a legacy rooted in service and mentorship. His Major League stat line—16 games and 4 hits—only hints at the richer measure of the man, whose true impact is reflected in the countless lives he touched as a deacon, a coach, and a community leader. Service Information Visitation:  Friday, October 24, 2025, 6:00 p.m.–8:00 p.m., House of Wheat Funeral Home , 2107 N. Gettysburg Ave., Dayton. Funeral:  Saturday, October 25, 2025, 12:00 p.m., Joshua Christian Ministries , 5800 Bigger Rd., Kettering.