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President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

President Donald Trump, during a White House Cabinet meeting Wednesday, said he wants to terminate the Diversity Visa Lottery, a program that distributes around 50,000 visas to countries where there is a low rate of immigration to the US."I am, today, starting the process of terminating the diversity lottery program," Trump said, seated next to Secretary of State Rex Tillerson and Defense Secretary Jim Mattis. "I am going to ask Congress to immediately initiate work to get rid of this program, diversity lottery, diversity lottery. Sounds nice, it is not nice, it is not good. It hasn't been good and we have been against it."He added: "We're going to quickly as possible get rid of chain migration and move to a merit-based system." 746

Remote learning. More people are online and the hackers know that, according to David Anefils, the senior solutions engineer at supportclub.com."It's a major threat," he said. "It's very important for schools to take preventative measures to keep themselves as safe as possible, because people work 9 to 5, and all they do is a hack."Anefils said he's worked with some local schools."I would love to see the schools educate parents more on steps to take," he said. "The fact that the bad guy knows everybody is online."There are some steps you can take to keep your family safe while distance learning.Anefils said to make sure you provide physical supervision while your child is learning.Equally important is practicing good computer habits."By having good anti-virus to prevent malware from spying on your activity and computer updates on schedule," he said.Make sure to set up parental controls on devices being used. He also suggested calling your provider to make sure your home router is updated."A lot of hackers can take advantage of firmware not being updated and compromise your router," Anefils said.Make sure to update your computer regularly. Of the utmost importance, perhaps, is installing a virtual private network or VPN."It basically masks your router's IP address and allows you to surf the web without being spied on," he said.Make sure to avoid public WiFi without a VPN, if at all possible. Don't ever click on unknown links in emails. The bottom line, stick to what you know, making sure it is popular and secure."I feel safe on zoom ever since they made the latest updates," he said.This story was first reported by Tory Dunnan at WPTV in West Palm Beach, Florida. 1697

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RAMONA, Calif. (KGTV) - Piles of chicken carcasses, swarms of flies, and a horrendous stench are what neighbors around a Ramona egg ranch say they're struggling with daily. However, the County of San Diego told Team 10 that the ranch has fixed the problems. Yet neighbors say that's not true and if anything, it's gotten worse. The family that owns the ranch claims it's always working to ensure it's in full-compliance with the County's requirements. "We're actually getting whole limbs, chicken legs, skulls, and wings with the feathers still on them," says neighbor Sue Elliot. She describes for 10News all the waste that birds and other predators have swooped up from the huge Demler Brothers Egg Ranch and dropped around nearby homes. "You can smell it for a couple of miles down that way and down that way," adds neighbor Tony Lee. He explains that the stench comes from mounds of chicken manure on the ranch. Elliot adds, "They cover the tops of all of [the mounds] with shredded chickens and it's just red. It's just a sea of red." Neighbors sent 10News pictures that they say were taken last October, before the County did an inspection in November, after getting a complaint about dead chickens and manure. The photos show what neighbors say is raw, red meat, dumped on pile after pile, accessible to a bird or insect. "You've got to think, what disease is it carrying," Elliot asks. "It just depends on what kind of bacteria is cooking in that pile ya know? We don't know," says Lee. The ranch declined an on-camera interview but sent us this statement: “We are a small, family-owned, multi-generational farm that has always worked closely with San Diego County to ensure we are in full-compliance with all county regulations and requirements. We began our farm in 1974 when the area was very rural with more farms than homes. As is the case throughout California, as rural areas become more urbanized, new residents move to the area and demand changes to the way farmers and farms operate regardless of the impact those changes have on the farm or the rural lifestyle which drew the homeowners here in the first place. We are proud of our farm, and we will strive to be good neighbors as we continue our right to farm.” The County tells 10News that it issued a written notice after finding piles of composting ground chicken carcasses were not covered up enough to prevent flies and birds from getting in and flies were breeding. The ranch was also issued a violation notice and a warning letter related to its use of pesticides. The County now says the issues appear to have been resolved and the ranch told the County its taking new steps to minimize odors. Neighbors don't buy it. "I feel like I'm just about getting the run around," says Lee.In 2013, neighbors were concerned after a video surfaced that showed a worker at the ranch chasing hens, swinging at them with a stick. When hens stop producing as many eggs, they are routinely euthanized. In the case of Demler Brothers Egg Ranch, the hens were gassed with carbon dioxide, which is an accepted method. However, not all of the hens died.So, the worker's apparent solution was to use a stick. The ranch said it was outraged to discover its hens were mistreated by an employee of a third-party company. The ranch says that individual was terminated by the vendor.568Neighbors say that now the ranch has been disposing of waste irresponsibly, harming the environment. "The flies get in it and they multiply and then they spread across the countryside," adds Lee.Elliot concludes, "[The people at the ranch] don't care. They just don't seem to care." 3634