吉林男科疾病好的医院吉林专业医治阳痿医院,吉林做个包皮切除哪家医院权威,吉林医院有没有男科,吉林治疗早泄好的医院,吉林尿频怎么回事,吉林前列腺治疗需要多少时间,吉林专业医院包皮哪家比较好

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Former Vice President Joe Biden has a new four-legged addition to his family: a German shepherd named Major."We are so happy to welcome Major to the Biden family, and we are grateful to the Delaware Humane Association for their work in finding forever homes for Major and countless other animals," read a statement from the Bidens, signed the former vice president, his wife, Jill Biden, and Champ, their other German shepherd.The Delaware Humane Association announced the adoption news on Facebook, writing in a post that Major "is from the litter of German shepherd pups that were surrendered and not doing well at all."Once Biden "caught wind of them," he "reached out immediately," the group said on Facebook, adding, "The rest is history!"The Bidens had been fostering Major, the group said on Facebook, thanking the family and wishing them luck with their new pet."Today is Major's lucky day! Not only did Major find his forever home, but he got adopted by Vice President Joe Biden & Dr. Jill Biden!" the post said.Biden is considered a top potential 2020 Democratic presidential candidate. As vice president, he would hand out stuffed-animal versions of his other dog, Champ, to kids. Champ also goes with Biden into his office in Washington, DC, from time to time. 1284

Following a hand recount of ballots in Georgia, President-elect Joe Biden maintained a 12,000-vote lead over President Donald Trump. The conclusion of the recount means that Biden is the projected winner of the state and its 16 Electoral College votes, according to the Associated Press. The once Republican stronghold, Georgia went for a Democratic presidential candidate for the first time since 1992. With all 50 states now called, Biden is projected to carry 306 Electoral College votes compared to 232 for Trump.The hand recount of nearly 5 million votes stemmed from an audit required by a new state law and wasn’t in response to any suspected problems with the state’s results or an official recount request. The state has until Friday to certify the results that have been certified and submitted by the counties. The recount added an additional 5,262 ballots that had gone previously uncounted, representing roughly .1% of the overall vote total. In the recount, Trump added a net of 496 votes, coming well short of cutting into Biden's lead.Once the results are certified, the losing campaign can request a recount. 1133

FREDERICK, Colorado — Family friends of the Watts family say they're dumbfounded, confused, lost.The man who hosted Chris Watts and his little girls for a kid’s birthday party just days before they vanished said Thursday he is still trying to process everything that's happened since.  Jeremy Lindstrom offers a new perspective on who Chris Watts was, before the man allegedly confessed?to murdering his wife and the couple's two daughters.“You know, the hardest part about it all is — when you're closer to the family... is the 'why?'” Lindstrom said. “The why gets bigger."Why did Lindstrom's good friend, Chris, allegedly murder his entire family?"We're dumbfounded,” Lindstrom said Thursday night. “We don't get it. Lost."PHOTOS: Chris Watts arrested, charged for family deathsWhile attending the party at Lindstrom's home, the girls were happy. They were normal. And so was Chris — or so it seemed."He would reach out and help anybody that needed help with anything,” Lindstrom said. “He was a good mechanic if you needed help with your car — he'd help you. If you needed help with furniture, he'd be over there in a heartbeat to help you out. You don't know what, when, why, where or how everything goes weird."And Lindstrom says we may never know, exactly."It's just horrible,” he said. “Why do people do this? Why does it come down to this? There had to have been an easier route." 1437

FILE - Marty Stuart performs during Marty Stuart's 16th Annual Late Night Jam at the Ryman Auditorium on June 7, 2017 in Nashville, Tenn. Stuart, along with Dean Dillon and Hank Williams Jr., will be inducted into the Country Music Hall of Fame. (Photo by Amy Harris/Invision/AP, File) 294