Monday is National Coffee Day. No kidding.

Americans sure are fond of their coffee. NEW YORK (CNNMoney) Isn't everyday national coffee day? Well, yes. But Monday is "National Coffee Day."

Of course it's a stunt, a marketing celebration of the juice on which America runs (if you believe one sales pitch).

But if you play it right, you can get a free — or cheap — cup of Joe. One of the nation's largest coffee chains, however, may not be participating. As of Sunday night, Starbucks (SBUX) had yet to announce its plans.

Try something new: Dunkin Donuts wants you to know it has a new blend -- Dark Roast. It is serving up free medium cups on Monday.

Set an out of office message: How long is a coffee break, anyway? Krispy Kreme (KKD) wants you to tell others that you're temporarily away from your email because you're sipping its free coffee.

"Did you know that the best way to be more productive at work is to take a break? It's true! I found it on the Internet," begins their suggested message.

The chain is offering a free 12oz regular coffee. For $1, you can get a mocha, latte or iced coffee.

Not just one day: Who says there's enough free coffee to last only 24 hours? McDonald's (MCD) has been giving away free coffee for two weeks, an offer that ends after Monday.

The fast food chain has been pouring free small cups of coffee during its breakfast hours.

Charlie and the coffee factory: The offer of a $1 cup of coffee is a decent deal, but Tim Hortons is also hiding golden envelopes with "more than $9,000 in cash and gift cards."

It set up a scavenger hunt and stashed the envelopes stuffed with $25 apiece in five cities: Columbus, Ohio; Buffalo and Rochester, New York; Detroit and Grand Rapids, Michigan. It said clues will be posted to its social media accounts on Monday.!

Hey Occupy Wall Street, abolish my debt too!

Charlene Ingram, a single mother of four, has $125,000 in student loan debt. NEW YORK (CNNMoney) Occupy Wall Street has been on a debt-abolishing tear lately -- recently buying nearly $4 million in student loans from debt collectors and then forgiving it.

Now thousands of people across the country are begging them to forgive their loans, too.

Charlene Ingram is one of them.

A single mother of four from St. Louis, Ingram is 41 and has $125,000 in student loan debt.

After struggling for years to find a job that paid more than minimum wage, she enrolled in an undergraduate program at age 37 -- figuring a bachelor's degree would be her only shot at earning enough to support her family. While she was in school, she and her sons delivered phone books in order to put food on the table.

Upon graduating in 2011, she found a job as a full-time medical assistant. But the job only pays $14 an hour. It's hardly enough to keep up with the basics -- $800 per month in rent, food for her and the kids, utilities, car payments, and medical insurance (which isn't provided through her job) -- let alone the nearly $1,700 a month she owes on her student loans. She said she applied for food stamps but earns $2 an hour too much.

Every time she applies for a higher-paying job, Ingram says she gets turned down because she doesn't have a Master's degree. So she enrolled in a Master's program in health care management in 2012, juggling classes at night and on the weekends. But now she has so much outstanding debt that she hasn't been able to qualify for additional loans and complete the program.

"How do they expect us to survive when you spend all that money for school and still can't get the job that you went to school for and took thousands of dollars in loans?" she said.

Ingram was one of many readers who wrote to CNNMoney seeking Occupy's help with paying back their loans. "Trying to [pay for a] home, food and clothing for us is very hard as a single parent," she wrote. "Please help."

Another reader, Martha Sopher, hasn't been able to work since becoming severely disabled from a car accident three years ago. When she turned 62 last year she immediately applied for Social Security. But because she had defaulted on the more than $200,000 in student loan debt from a graduate program she atten! ded 10 years ago, 15% of her Social Security payments are being garnished each month.

She is still in the process of applying for disability, and her family is helping her pay her living expenses in the meantime.

"I have to skip meals to get by. I skip medications. I don't live, I exist," she wrote. "I made all these wonderful deliberate decisions, worked two jobs more than full-time while I went to college full-time and carried an 'A' average -- but now the dream I worked so hard for is gone forever. I can't take care of my needs and as I age, it will only get worse."

  Sen. Warren cites CNNMoney story in hearing

Upon hearing that Occupy Wall Street has been forgiving peoples' debt, she wrote: "I have hope for the first time in a very long time."

But unfortunately, Occupy Wall Street's Strike Debt division -- which is in charge of this initiative -- is unable to abolish a specific person's debt.

Strike Debt says it has received thousands of similar messages from debtors with heartbreaking situations. But the debt purchasing process is random, so while the group can tell a debt collector or broker that it wants to purchase debts from a certain college, it can't find out whose debt it is buying prior to the purchase.

Instead, the group is encouraging people to sign up for its new Debt Collective, which aims to unite medical and student loan debtors so that they can renegotiate debts together and make change on a larger scale.

For debtors in need of more immediate help, nonprofits like the National Consumer Law Center offer resources on their websites about how to attain debt relief or set up payment plans.

And while it's much easier to get relief for federal loans than i! t is for ! private loans, the first step in either case is to let the lender know the details of your situation.

"Struggling borrowers need to let their loan holder or servicer know they're having difficulty, rather than just struggle in silence and give up on payment altogether," said Allesandra Lanza, a director at nonprofit American Student Assistance.

5 Things Prospect Capital Corporation's Management Wants You to Know

Tough questions followed Prospect Capital  (NASDAQ: PSEC  ) into Monday's conference call after the business development company reported disappointing fourth-quarter earnings.

Here are some of the most important takeaways from the call.

1. This quarter's results could be equally poor

It may seem too soon to think about earnings for the current quarter, which ends just a little over one month from today. But it seems like the quarter will be difficult, too.

On the conference call, President and COO Grier Eliasek said new investments were running lower than normal: "We have booked $239.1 million in originations so far in the current September quarter. Net of $322.3 million of repayments, our net repayment so far this quarter is $83.2 million."

Fewer originations underlied lackluster performance in the fourth quarter. Lower originations mean lower origination- and structuring-fee income, which were a vital portion of Prospect's historical earnings sources.

In the fourth quarter, Prospect Capital missed earnings expectations on $444 million in new investments. This quarter, Prospect Capital is on track to complete even fewer deals.

2. The company wants out of lower-yielding assets

Prospect Capital shares currently yield a little over 12%. Naturally, the low-yielding assets on its balance sheet are doing very little to support that dividend yield.

According to Eliasek, "We have some first-lien, senior secured assets yielding in the range of 6% to 7% which acts as an overall drag on our weighted-average yield and we are looking to potentially exit those while retaining administrative control and stewardship of the same credits."

Later, he provided some more detail into how Prospect would seek to shift these assets off the balance sheet: "We would actually do so in a way so that our assets would be primarily qualifying at least as one of the key strategies we're looking at."

What does this mean for shareholders? First, selling loans yielding 6%-7% to buy double-digit-yielding assets would clearly help support the current dividend. Selling them in a way that allows Prospect Capital Corporation to collect a management fee on the assets would be even better. This is nothing new; it's been the company's plan for two quarters.

Alas, Eliasek's second comment about making sure the assets are qualifying rules out a senior secured lending program -- a strategy employed by competitors including Golub Capital  (NASDAQ: GBDC  ) and Ares Capital  (NASDAQ: ARCC  ) .

Admittedly, I'm perplexed as to how Prospect Capital plans on managing these assets in a way that makes them qualifying assets for a business development company structure. At any rate, it's certain that rotating out of lower-yielding investments to higher-yielding investments should help ongoing net investment income.

3. The dividend is at risk

Prospect Capital earned less than it paid out in dividends in every quarter of 2014. Now, with spillover income (retained earnings) in decline, the company will either need to start earning its dividend, cut its dividend, or maintain its dividend by making return of capital distributions.

When asked if Prospect Capital would maintain the dividend, even if it meant returning capital to shareholders, Eliasek explained the company's viewpoint: "Our policy strategy is to focus on paying out dividends out of taxable earnings and to avoid return of capital distributions over the long term, and we do have a spillback available to us to support that. But we also have catalysts which we hope will drive our earnings going forward."

Catalysts mentioned were rotating out of lower-yielding investments, reducing Prospect Capital's borrowing costs, and selling non-income-producing control investments to buy yielding assets.

Analysts further peppered management with questions about the sustainability of the dividend, but the answer remained that Prospect Capital would address dividends at a later time.

4. New at-the-market stock sales appear unlikely

Growing the balance sheet by selling new shares to the public has been one of Prospect Capital's most important sources for driving income. New stock sales mean more capital, which brings new investments, along with their accompanying origination and structuring fees.

When asked if there was any time frame for initiating at-the-market stock sales, Grier Eliasek answered plainly that, "No, we haven't made any final determinations yet on that ... and it will be against an opportunity set that we see in the market."

5. Dividend income might displace interest income

The annual earnings report revealed that Prospect Capital lowered interest rates on loans made to its control companies. This would obviously result in lower interest income, but Eliasek noted that it could be offset by larger dividends.

"[L]est you think that some others going to be a -- some downtick in income from those companies," he said, "remember these are companies where we own a significant portion of the equity as well and have the ability to take recurring distributions and do so for many of those."

The message here is that what is lost in interest income might flow through as dividend income. This will be something to watch carefully in future quarters. 

All in all, it was an interesting, if perplexing, conference call. On one hand, Prospect Capital has paid the largest dividend of any BDC for quite some time. On the other, it seems as though the yield may come into question in January 2015 -- the next month for which the company hasn't yet declared a dividend.

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Medivation Resumes Trading After Xtandi Receives FDA Approval

Shares of Medivation (MDVN) were halted at 2:48 p.m. today while up 2.7% at $96.89. The reason for the halt: Medivation’s Xtandi was approved for use in “pre-chemo metastatic castration-resistant prostate cancer” by the FDA.

Citigroup’s Yaron Werber explains the significance:

Overall the updated Xtandi label is in-line with expectations and is now better than the Zytiga label. The new indication is for the treatment of patients with metastatic castration-resistant prostate cancer which is the same as the Zytiga indication and encompasses the pre-chemo and post-chemo segments. In the clinical section of the label the statistically significant improvement in overall survival from PREVAIL is included, compared to the Zytiga label which states the analysis of overall survival did not meet statistical significance.

We Continue To Like Stock Into TERRAIN and Breast Cancer Data─ The risk/reward is positive for TERRAIN with data at YE:14 or early '15. Recall, there was no interim analysis and the study enrolled M1 patients so PFS should be roughly similar to the 16 months that was in PREVAIL (also an M1 population). In addition, breast cancer is upside to expectations in our view and we expect ph2a Xtandi data in AR+ TNBC at SABCS in December.

Shares of Medivation have gained 1.6% to $98.46 at 5:07 p.m. in after-hours trading.