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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

Former Trump campaign aide Sam Nunberg arrived at District Court in Washington, DC, Friday morning, where he is expected to deliver federal grand jury testimony as part of special counsel Robert Mueller's investigation.Nunberg is the first recognizable Trump campaign affiliate to appear at a hearing related to Mueller's investigation into Russian meddling in the 2016 election by walking through the main entrance of the federal courthouse and heading to the grand jury area. Other witnesses have presumably testified before Mueller's grand jury since it started meeting last July, but none have made as public an appearance.  641

Food banks across the country are reporting a dramatic increase in people needing help. Many organizations are reporting the number of people they're providing food and services for have quadrupled, a continued effect of the COVID-19 pandemic."Prior to COVID, we had about 85 families that would come to our client choice pantry. And now since COVID, we’re averaging about 385 a week so it's been a huge influx of new clients," says Jacob Granados, the director of purposeful engagement for the Place of Forsyth County in Georgia. Some of their clients have never had to rely on help from food banks or non-profits before. Granados says the need since the start of the pandemic has not died down."I think it's important for people to understand that they are not alone," says Granados.Danah Craft, the executive director of the Georgia Food Bank Association shared a heat map, showing the increase in food insecurity in 2020 compared to 2019. Some areas of Georgia that rely heavily on tourism have seen their food insecurity rates double."We believe that we will be at sustained elevated levels for 12 to 18 months. We are here for the long haul. We are part of these communities and we are here to respond but what we don't know is what will happen this winter. We don't know how long we’ll need to sustain this response," says Craft.In California, Community Services and Employment Training, or C-SET, provides groceries and meals to families. C-SET used to deliver 300 meals monthly to seniors. That number is now up to 1,400."Then for rental assistance typically I would see maybe 150 applicants for emergency food and shelter services. We are probably close to 900," says CSET's Director of Community Initiatives, Raquel Gomez Collins.C-SET has joined with their local health and human services agency as well as other non-profits in their area to provide as many services as possible to residents who need it. Gomez Collins says sometimes it's not just about having the funding to buy the food but identifying where and how to get it."We are competing with larger cities for that food so it's being in line and ready to go when they give us a call and say, ‘Hey, we have four pallets of food and you can pick it up.’ It's having the access to trucks, it's having the access to manpower. All those things come into play now because of the competition for those resources," says Gomez Collins.Many organizations are thankful for all of the generous donations they receive and are now preparing for the upcoming winter."We are not planning for our numbers to drop anytime real soon. We are making preparations even now for Thanksgiving to get 500 Thanksgiving meal boxes ready. We anticipate that this need will be here," says Granados. 2748

FORESTHILL, Calif. (AP) — California park officials have shut vehicle access to a pristine swimming hole in Northern California due to an influx of visitors to the “hidden gem” that has become a popular photo backdrop on social media. The move intended to discourage visitors to Yankee Jim's, a sliver of crystal clear water about 35 miles west of Lake Tahoe, comes as authorities struggle to control overcrowding at recreational sites as coronavirus cases continue to rise in many parts of the state. There are just 12 parking spots near Yankee Jim’s, but last weekend authorities counted more than 300 vehicles parked near the rugged roads surrounding a one-way bridge overhead.Placer County Sheriff’s officials said in a Facebook posting on Friday that the scenic area has exploded in popularity recently."This presents a huge public safety danger, and cannot allow any first responder to access Yankee Jim’s in the event of any emergency or fire," the statement said. 979

For generations, in Lincoln, Nebraska, the community has thrived on the return of the University of Nebraska’s legendary football team each fall.“Nebraska football, not just for Lincoln, but for Nebraska is a huge thing,” said Joey Rupp, who owns a store that sells all things Huskers.But if 2020 has proven anything, it’s that few things are promised.“When this first all started in March, we really saw a decline. We’ve seen a decline each month,” Rupp said.Rupp manages Best of Big Red, which is located in Lincoln’s Haymarket district, an area within walking distance of Nebraska’s Memorial Stadium filled with bars, shops, and restaurants.Rupp typically has a lot riding on college football season.A Nebraska home game can draw around 150,000 people to town.“Football season probably generates about 75 percent revenue for the year,” Rupp said.2020 has been different.Coronavirus cut the Nebraska Cornhuskers' home games from the typical seven to four. Crowd restrictions mean the team will play in a mostly empty stadium.Nebraska fans have sold out their 85,000-seat stadium for every home game since 1962.“We’re not a heavy tourist destination but relying on college football is our biggest tourist draw for the entire year,” explained Todd Ogden, the president and CEO of the Downtown Lincoln Association.A pandemic and postponed football season put a lot of pressure on Ogden.“A lot of our businesses completely rely on those seven Saturdays to survive,” Ogden said.He’s leading an effort called City of Red. The campaign pushes for Husker faithful to still support places that depend on football dollars. That includes bars and restaurants.Bar owner Matt Taylor says his bar has been playing old, classic Nebraska games on TV since real Cornhusker games won’t start until Oct. 24.“Normally, I think it’s the best place to watch a game including the stadium,” Taylor said of his bar Tavern on the Square.Taylor loves owning his bar, but love is a tough word for the bar business in 2020."I usually love my job, but this year has not been very fun,” Taylor said.He says while it's good there will be a football season, it's unclear what the financials will look like.“It definitely helps but it won’t be a normal game day. Obviously, with decrease capacity in the stadium, I think less people will travel,” Taylor said.It could be easy to see red as a color of anger this year, but in the fall, especially in Lincoln, red has a more optimistic meaning."This has been a strange time, because it feels like we’re more divided than ever,” Taylor said. “I think if we can center around a team and all cheer for a single goal, I think it brings people together.” 2673