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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

PRIMM, Nevada. (KGTV) -- A woman who disappeared after reportedly leaving a San Diego Spa was found dead in Primm Valley, Nevada, according to Victor Valley News. According to the San Bernardino Sheriff’s Department, 53-year-old Izetta Burney went missing on November 24.Burney disappeared while driving home to Victorville after visiting a San Diego spa, a friend tells 10News.RELATED: Missing woman never made it home after visit to San Diego spa, deputies sayAccording to the friend, Burney’s phone went straight to voicemail and her credit cards and bank account showed no signs of activity shortly after she disappeared. Foul play isn’t suspected and the cause of death has yet to be released, according to the paper. 732

Rachel Angel had to grow up fast.When she was just 16, Angel lived on her own in suburban Richmond Heights, about 20 minutes northeast of Cleveland. Her dad lived in Buffalo, New York. Her mom had just moved to North Carolina. Neither parent could provide a stable life, Angel said. As difficult as it was, she felt better off living on her own.“I was working full time, going to high school and falling asleep in calc class,” she said. “There’s this large group of individuals like myself that have to grow up much earlier. Working is essential to their survival. I have empathy for that.”Angel made it through high school, went on to college, and became a pharmacist.But in 2015 her empathy fueled the creation of Peerro, an app designed to help young people find jobs and become self-sufficient. She put her career as a pharmacist on hold to launch Peerro in Cleveland a couple of years ago. Angel recently moved the tech startup to Cincinnati after receiving a significant investment from CincyTech, the Cincinnati-based venture-capital development firm.“From the beginning, we loved her energy, the mission that she has with the company, and the software she’s developed,” said Stacey Browning, a managing director at CincyTech. “We see a huge potential.” Provided Stacey Browning Angel said she does, too.She and her small team are improving the technology platform as they work to educate more young people and employers about Peerro, a name that combines the words “peer” and “hero.”The app is designed for people between the ages of 14 and 24 who are looking for work, especially young adults who don’t have college degrees but want to find jobs that offer room to grow and advance. The platform is open to employers of all types that are looking for entry-level workers.“There’s nothing wrong with an entry-level employment opportunity, but it’s just that – an entry-level employment opportunity. And it’s sad when we feel like those are our only options,” said Angel, now 33. “A -an-hour job, -an-hour job is not our only option. It’s a starting point.”Here’s how Peerro works.Real-time opportunitiesYoung people looking for jobs download the app for free. It works on smartphones or computers. The platform asks a few questions about the job applicants and can require them to complete tutorials related to skills such as being on time for work.Then the young people can explore job postings that match the kind of work they’re seeking, filtering the options based on how far away they are, how much they pay, and whether they’re looking for part-time, full-time, temporary or seasonal work. They also can search for training programs.Employers that want to post a job on Peerro can get one free posting and access to the full Peerro system free for 90 days, Angel said. The system includes being able to post multiple jobs in addition to the use of training modules and interview scheduling tools. After 90 days, employers still get that one job posting free, but they must pay for the other services that Peerro offers.Peerro is always free for the young people who are looking for work, Angel said.“We have to communicate opportunity in real-time, because we’re changing so rapidly as far as the opportunities,” she said. “And Peerro’s kind of created that – a system that can communicate opportunity in real-time and actually allow someone to have value immediately.”Because Peerro encourages job applicants to include recommendations from people such as teachers and principals, it works kind of like LinkedIn but for younger people who aren’t necessarily interested in going to college, Browning said. Those applicants haven’t always had a way to show off their references and recommendations.“That just gives an employer more confidence,” she said. Lucy May | WCPO Frank Hailstock Frank Hailstock owns OTR Escape in Over-the-Rhine. He posted a job on Peerro after hearing about it from a friend who also owns a business.“After going through my first initial process of trying to find an applicant, I would never use another service,” he said.Hailstock has hired three people through Peerro so far, he said, adding that he likes how he can customize his job listings and include prerequisites such as the completion of training videos.“It’s just a really easy way of hiring individuals, and you get higher-quality candidates,” he said. “It’s not like a one-click system where applicants are just clicking 100 jobs a day. You give them a call, and they don’t even know exactly that they applied for the job.”‘Let’s actually open the doors’Samir Gragston is 15 and will be a sophomore at Northwest High School. He’s using Peerro to try to get his first job.“It was a lot easier than signing up for a job online. So I thought that was pretty amazing,” he said. “Not hard at all. Just plug in your email and password, and there’ll be jobs for you and your age that you can do.”Samir plans to go to college after high school and would like to become a programmer, he said, but he wants to get that first job to gain some experience. Lucy May | WCPO Samir Gragston Getting that first job is important for young people, Angel said, but it has gotten more difficult, especially now because of the coronavirus pandemic.“You talk to a 15-year-old now, and they can’t find employment,” she said. “They don’t know how to access employment. Nobody’s just handing it to them.”Peerro aims to help teens and young adults get jobs where they will learn the skills they need to move forward and better understand where they want to go, Angel said.“Over 60% of the opportunities in America are not college-degree-required positions. So when you think about being a plumber or you’re thinking about learning one of the trades, what are the steps and what is the opportunity there?” she said. “We wanted to really help those young people who are looking for a field that didn’t require them to go to college or a four-year college.”That’s a market that isn’t served well now, Browning said, which gives Peerro the opportunity to change countless lives.“Ohio really is her testing ground, especially here in Cincinnati,” Browning said. “But once it works here, she can really take this idea nationally.”That, Angel said, could provide a new source of opportunity for young people who have more than their fair share of challenges -- as she did.“It’s so important for us to create opportunity and create a way for people to be able to address some of those issues that may not be their fault,” she said. “But if they can do something about it, let’s actually open the doors for them to do something about it.”More information about Peerro is available online.This story was first reported by Lucy May at WCPO. 6841

President Trump's trade war threat drove the Dow lower for the second straight day.The Dow fell as much as 391 points on Friday, but it recovered most of those losses and finished down 71. The Nasdaq and the S&P 500 both ended with modest gains after falling 1% earlier in the day.The sell-off began Thursday after Trump announced that his administration would impose a 25% tariff on steel imports and a 10% tariff on aluminum. Trump has not said whether some countries would be excluded from the tariffs.For the market, "this really could be something new and worse than we have seen so far," said Brad McMillan, chief investment officer at Commonwealth Financial Network.  691

RAMONA (CNS) - A motorcyclist was killed in a crash today on the Barona Indian Reservation.A motorcycle was hit and ended up underneath a Ford sedan around 1:30 p.m. on Wildcat Canyon Road more than a mile south of Little Klondike Road, according to a California Highway Patrol incident log. The area is about halfway between Barona Resort and Casino and the community of Ramona.Passersby stopped and were able to pull the motorcyclist out from underneath the car, but the biker succumbed to injuries suffered in the crash, the CHP said.The northbound lane of the road was shut down.Identifying information on the victim was not immediately available. 659

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