Summary: Merit America adds $40k salary payment deferral

Why It Matters: The competitor is making their program less risky for students. By adding a specific salary floor for payments, they are trying to attract more people who are afraid of debt.

What Changed:

• Added a rule that students can pause payments if they earn less than $40,000.
• Removed a plus sign (+) from the "Human Resources" career track name in the main list.
• Fixed a small spelling error in the sentence about quitting a day job.