Student tardiness and absenteeism are persistent challenges that plague educational institutions worldwide, often acting as silent saboteurs of academic performance and overall school success. These issues don't just affect individual students; they disrupt classrooms, hinder teaching flow, and ultimately impede a school's ability to fulfill its core mission of providing quality education. In the Philippines, particularly at Mataas na Paaralang Neptali A. Gonzales

The student loan crisis has become a defining issue of our time, a heavy burden weighing on the shoulders of millions. With soaring tuition costs and a complex repayment system, many individuals find themselves trapped in a cycle of debt for decades. Could artificial intelligence (AI) offer a glimmer of hope, a way out of this seemingly intractable problem? Let's explore the potential of AI in this arena, while also acknowledging the ethical dilemmas and identifying leading researchers in student loan policy.