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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

Four Toledo, Ohio, teenagers who pleaded guilty to killing a man when they dropped a sandbag from a highway overpass have been ordered to a youth treatment facility, a court official said."The youth treatment center is a lockdown facility in Toledo. The program runs six months, but there is no set time to release. The average youth spends eight months there," Lori Olender, juvenile division deputy chief for the Lucas County Prosecutor's Office, said in an email.Besides being ordered to the youth treatment facility, the teenagers were given four-year suspended sentences, placed on probation and ordered to perform 30 hours of community service, Olender said.One was charged with murder and felonious assault and three were charged with involuntary manslaughter and vehicular vandalism, she said. All four pleaded guilty.The youths were charged after a sandbag dropped from an interstate overpass crashed through the window of a vehicle below and hit Marquise Byrd, 22, on December 19, 2017. He died later at a hospital.Three of the teens were 14 when the incident happened and one was 13, authorities said. CNN has not identified them by name because they are minors.Lillian Diallo, an attorney for the Byrd family, told CNN Saturday that she found the sentence to be "extremely light.""It was light on steroids," Diallo said, adding that "the sentence was a heck of a message to send.""You can't tell me at 13 you didn't know it was wrong to throw things on the freeway," Diallo said.Byrd had been preparing to propose to his girlfriend and the mother of his 2-year-old son, Diallo said."This is tragic all the way around," Diallo said. "The fiancée didn't even know she was going to be a fiancée. To steal that from somebody is just horrific."The boys had been walking to a store to purchase candy before they crossed the overpass and began throwing rocks, the Blade reported.During previous court hearings, two boys admitted to throwing two different sandbags, the Blade reported. A sandbag landed on the side of the road and another one on Byrd's vehicle. 2073

FRANKFORT, Ky. -- Kentucky Gov. Matt Bevin is taking a stand on school shootings after 17 people died in a Florida school this week.It's a societal scourge that's top of mind for Bevin since not even a month has passed since a shooting killed two at Marshall High School in the small western Kentucky town of Benton.RELATED: Trump cites mental health in shooting, no mention of gunsIn a Facebook video posted Thursday night, Bevin called on producers of movies, music, television shows and video games to be part of an effort to “figure out how to try to repair this fabric of America that’s getting shredded beyond recognition.”"Our culture is crumbling from within, and the cost of it is high," Bevin said. "All of you, we've got to step up. We're the adults -- let's act like it. Let's step forward. Let's start a conversation."He also made the more standard overtures to fellow governors, the president and Congress to strike up a dialogue that can prevent future school shootings.Watch the video in the player below.The Associated Press reports Bevin also?told talk radio hosts on Thursday that guns are not the reason for the increase in school shootings. He blamed a culture that delegitimizes life through violent video games, TV shows and music lyrics.Bevin called video games where people kill others “garbage” and said “it’s the same as pornography.” He said “freedom of speech” has been abused by allowing things that are “filthy and disgusting and have no redeemable value.” 1505

Following the recent death of a fraternity pledge, Florida State University has banned all fraternities and sororities.Tallahassee, Florida police said Pi Kappa Phi pledge Andrew Coffey, 20, died at an off-campus chapter party on Friday, Nov. 3. Investigators collected alcohol bottles at the scene but have not released an official cause of death for Coffey. The bottles collected were scattered on the porch of the home where the party took place.Coffey was found unresponsive just after 10 a.m. Friday. 528

Firefighters went door-to-door urging some residents of Leilani Estates to leave as lava from Hawaii's Kilauea volcano moved closer, once again."Any residents remaining in the current affected areas should evacuate now," read an emergency message sent by the County of Hawaii Civil Defense.Thick waves of fresh lava from fissure 22 and 7 -- which officials say is producing the largest amount of lava -- are blazing down a mount of volcanic rock."It's just a matter of time," resident Steve Gebbie says. "I don't know what's going to be left of Leilani, I really think it might be wiped out."This week, eruptions sent ash plume 10,000 feet up in the air. More red and orange lava fountains emerged and lava reached the Pacific Ocean, presenting a new threat for residents.The oozing lava has destroyed a total of 82 structures on Hawaii's Big Island and other 37 structures have become inaccessible in the last days, said Hawaii County Civil Defense Administrator Talmadge Magno.About 2,200 acres have been covered in lava since the Kilauea volcano eruptions began on May 3, Magno added.The US Geological Survey said there were 90 earthquakes of multiple intensities at the volcano summit in about 6 hours on Friday.  1230