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-- including the American Civil Liberties Union and NARAL Pro-Choice America -- are participating in #StopTheBans protests nationwide.Rallies will take place at noon local time 179

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

With wildfires impacting many American wineries, many winemakers are having tougher times testing their grapes.“Everything is so bad, it’s funny,” said Ashley Trout, owner and operator of Brook and Bull Cellars in Walla Walla, Washington.With professional labs that test grapes for smoke taint back logged for more than a month, Trout is now literally taking matters into her own hands, testing grapes during a natural fermentation process and using her senses to spot signs of smoke taint.Trout says instead of waiting five weeks for results from a lab, she’s now getting them in five days on her own.With more challenges in the industry, wine experts say more winemakers are trying creative techniques.“Everybody is going back to the drawing board thinking, 'Okay, what can I do, what will compliment this wine I’m making,’” said Anita Oberholster, Ph.D., with the University of California, Davis viticulture and enology program.She says wildfires have forced many wineries to go back to the basic of wine making.“People are throwing their recipe books away,” Oberholster said. “If you can, rather do hand picking than machine harvesting because it’s more gentle on the grapes.”Oberholster estimates about 20% of the grapes grown in 2020 were not harvested, which could cause this multi-billion dollar industry to raise its prices.Back in the vineyards, Trout is reluctantly adjusting to this new norm.“I have never wanted to make wine in a bucket before,” she said.With wildfires still raging across the West Coast, the area that produces 85% of America’s wine, winemakers like Trout will be feeling the impacts long after the smoke settles.“It’s 2020,” she said. “So, we’re going to make some bucket wine and see how it goes.” 1738

-- arguing that the data is too easily falsified and the indicators used irrelevant to what makes a school worthy. Then again, Forbes publishes their own college ranking list every year, too.Forbes isn't the only one against the rankings. In a 2012 opinion piece for CNN, former George Washington University President Stephen Joel Trachtenberg dismissed the rankings, saying they don't "begin to express the quality, comprehensiveness and special character of the more than 4,000 colleges and universities in the country."The rankings create a national obsession, pushing the false belief that if a student doesn't get into a select school, which is typically accompanied by a high price tag, then "life will never be worth living," Trachtenberg writes. He also discusses the ways in which schools can falsify their data, which Forbes also points out.And they're not wrong.In May, seven years after Trachtenberg wrote his piece, it was revealed that the University of Oklahoma gave "inflated" data on its alumni giving rates for twenty years, in an effort to improve their ranking. Alumni giving, an indicator used by U.S. News to detemine a school's rank, is weighted at 5%.Even before Oklahoma, Claremont McKenna College in California 1238

"I started cutting hair when I was a teenager and it’s what kept me off the streets because I enjoyed what I did and I just wanted be able to pass that a long," said Johnson. "All I’m trying to do is take guns out of their hands and replace them with clippers. Let that be their weapon of choice instead of the guns."He dedicated the club to 19-year-old Thailek Willis, one his clients, who was shot and killed in Edgewood in 2018. His personal logo was L34L, meaning L3 for life. Johnson said he promised Willis' family he would honor his son so that logo is on all the Young Barbers Club gear. Monday, three students were at the class. Each one was pushed by a family member to join but happy to learn the skills for the future. "I know later in life if I’m down bad I can use to this to help me get back up on my feet. New talent to make some easy money," said Drequan Jones, a 16-year-old student from Aberdeen. "You always gotta do something other than being out and doing bad," said Myron Johnson, a 13-year-old student from Edgewood. Syree Waldon, a 14-year-old from Havre De Grace, hopes he "will inspire other teenagers my age to do it." Johnson said this club will just get bigger, with more people, but also with his focus. He wants to expand to teach etiquette, to help with school work and participate in charity events. "We're just trying to take our passion and basically give them a purpose by doing that. I just believe that one or two hours they spend here could be, it may just that time that will save their lives," said Johnson. Right now, the club is based out of the Edgewood Boys and Girls Club. They donated the room and with a donation from Freedom Federal Credit Union, they're able to renovate it into a barber shop. 1747

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