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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CLEVELAND, Ohio - Students across the nation are still adapting to their new learning environment as more schools have opted to begin the year with remote learning.But, a study from The Rox Institute revealed that girls in middle and high school are struggling significantly. Nearly 1,300 5th-12th grade girls, who attend 88 different schools, completed the survey.The findings show the pandemic has induced stress, feelings of isolation, and depression.Nearly 40% of girls said they had higher stress levels and 80% said they felt isolated more than they had before COVID-19.Clinical psychologist, Dr. Carolyn Levers-Landis said the findings shouldn't come as a surprise."Many are just wondering, "when will this be over? How much longer do I have? Things keep changing," she said. "You just feel like the rug is getting yanked out from under you over and over again."With girls spending less time with family and friends this summer, the survey said they're turning to social media even more. The results show one-third of respondents are spending six or more hours a day on social media.But, the screen time isn't leaving a positive impact. As many spend the time comparing themselves to others."Girls are struggling even without COVID. In a normal world, they're struggling. And then you isolate them and I think it's really hard for them to navigate their new space," said Robyn Cutler.Cutler is the executive director for Girls on the Run Northeast Ohio, an empowerment group for girls with a fitness component. The organization's website said over the course of the ten-week program, girls in 3rd-8th grades develop essential skills to help them navigate their worlds and establish a lifetime appreciation for health and fitness.Cutler said it's okay for girls to be sad about missing their friends, but encouraged parents and caregivers to find ways to tap into their creativity."There isn't enough space in this isolation period for girls to feel like people are listening to them and interacting with them. Parents and caregivers can really do a great job by just making space for them to pay attention to their girl, have conversations with them, read with them," she said.Both Cutler and Dr. Levers-Landis said parents of young girls should be on the lookout for changes in behaviors. Sleeping too much or too little, eating too much or too little, mood swings and less enthusiasm for things that interest them could all be signs of depression.This story was first reported by Meg Shaw at WEWS in Cleveland, Ohio. 2533

CLAIREMONT, CALIF. (KGTV) San Diego Police Department is investigating a car meet-up that turned into brief reckless driving exhibition in Clairemont.Viewer video shows several cars doing donuts and burnouts for hundreds of spectators at in major shopping center off Balboa Ave from Friday night.The drivers almost hit people trying to film them and almost crash into fences on the property.Those who attended say the meet-up was organized through private social media accounts.“It’s scary because it starts right next to you and it happens with like a flick of a switch,” said one gearhead who wants to remain anonymous to protect his identity.An SDPD officer is shown responding to the incident in the video and appears to be harassed by the crowd.“People were throwing trash at him and there was a lot of middle fingers that were thrown up,” said another car enthusiast who was the event, “I thought the cop was going to get attacked.”The anonymous gearheads say what happened Friday night is not indicative of car culture and they were upset with how people treated the officer.“I’ve been to multiple meets where… we get to look at some nice cars but then there’s meet’s like this that get out a hand and then cause a horrible image for us,” said the anonymous attendee.SDPD has not clarified if any arrests were made during the incident. 1375

Companies everywhere are hopping on the bandwagon to eliminate plastic straws, as plastic becomes harder and harder to recycle.An Oregon man, who started his glass straw business over a decade ago, is finally seeing his business take off.“We’re still doing the same thing we’ve been doing for over 12 years,” says Craig Graffius.But when Graffius started making straws out of glass to cut down on plastic, he was on to something.“A sustainable product is so much better than a throw away product,” says Graffius. “By far.”And this June, it seems a lot more people agreed with him.“500% percent, 600 percent growth overnight,” Graffius says.Suddenly, Graffius found he couldn’t keep up with the demand. He went from producing 2,000 eco-glass straws a week to a couple thousand a day.The push to eliminate plastic straws has caught on so fast, Graffius had to hire a business partner to keep up with inquiries from around the world.As for the copycat companies that he knows are popping up, he sees it as a good thing because they’re all working toward the same end goal.“The more education we can do as a team, the better for us,” Graffius says. 1157

CLEVELAND, Ohio - Angel Negron Rodriguez lights up when he’s dancing."It’s fun,” said Angel.It's his saving grace."Sometimes my eyes hurt a little bit,” said the fourth-grader.Especially now when he spends so much time remote learning."You have to memorize the steps and then when you’re done it’s like easier to concentrate."It’s a method Angel’s teacher, Sharon Lenahan, uses every single day in her class at Almira Elementary School in Cleveland."When they get fatigued you can tell because they will find a couch, they’ll find a bed, they’ll find something comfortable, you’ll see their head kind of finding a pillow,” said Lenahan.That’s when she knows it's time for a Break Dance. It’s a series of videos that allow the kids to follow along with instructors and learn dance moves."You really do see the students recharge after a little brain break, you really do,” she said. "Their energy and motivation are back.”Other Northeast Ohio teachers who think their students might need a brain break, breakdance can join in."As an organization who took great pride in having people physically connect in a respectful and meaningful way, it became very apparent to us that we were going to have to evolve how we accomplished our goals,” said Jojo Carcioppolo, the founding executive director of Dancing Classrooms Northeast Ohio.Carcioppolo says Dancing Classrooms has had to significantly change the way it connects with students and teachers for now because of COVID, so they created breakdance."It’s called Break Dance because breaks, reset, engagement, attention, and knowledge,” said Carcioppolo.And the company is doing all of this for free."All of the breaks are three minutes or less, and it just really gives the teachers the ability to put on a break and let students stand up, shake it out,” said Carcioppolo.Students like Angel are dancing out their fatigue at home all across Northeast Ohio until they’re able to bust a move in person."It’s fun, then when we’re done I can concentrate better on the class,” said Angel.This story was first published by Amanda VanAllen at WEWS in Cleveland, Ohio. 2115