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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

REI, a retailer that sells outdoor apparel and supplies, is stopping its relationship with Vista Outdoor after the company failed to issue a statement following a mass shooting in Florida."This morning we learned that Vista does not plan to make a public statement that outlines a clear plan of action," the company said Thursday. "As a result, we have decided to place a hold on future orders of products that Vista sells through REI while we assess how Vista proceeds."  485

Republican candidate Leslie Gibson has dropped out of the race for Maine's House of Representatives following backlash from controversial comments he made about two student survivors of the Parkland, Florida, school shooting."I am not walking away with my head hung low. I am walking away with my head held high," Gibson told the Portland Press Herald on Friday, saying he had made the decision after conversations with family and friends."It's the best thing for everybody," Gibson added.The Maine candidate drew outrage after posting insulting tweets about two Parkland students -- Emma González and David Hogg -- in light of their national gun control efforts."There is nothing about this skinhead lesbian that impresses me and there is nothing that she has to say unless you're a frothing at the mouth moonbat," Gibson tweeted of González, according to the Press Herald. He reportedly called Hogg a "bald-faced liar." The Twitter account used to make the remarks appears to have been deactivated and Gibson's campaign account has been set to private.Gibson later apologized to González, the Press Herald reports."I would like to extend to you my most sincere apology for how I addressed you," he said. "It was wrong and unacceptable. You are doing work that is important to you. I would like to extend my hand in friendship and understanding to you."Attempts by CNN to reach Gibson for comment were unsuccessful.Republican state Sen. Amy Volk and a number of Maine Democrats had called on Gibson to end his campaign. The comments also prompted two opponents -- one Republican and one Democrat -- to enter the race for Maine's 57th district."I never thought I would run for office, and I was perfectly content with just remaining a member of the community, but after reading Mr. Gibson's comments I thought that the people of Greene and Sabattus deserved a representative who will respect people and try to work through their differences to make our lives better," Eryn Gilchrist said in a statement from the state Democratic Party."After those recent unfortunate comments, I couldn't sit back," Republican candidate Thomas Martin Jr. said, according to the Press Herald. 2182

President Donald Trump’s campaign is blasting Joe Biden’s vice presidential pick, calling Sen. Kamala Harris “phony.”In a statement, Trump adviser Katrina Pierson says Harris “will abandon her own morals, as well as try to bury her record as a prosecutor, in order to appease the anti-police extremists controlling the Democrat Party.”Pierson says Harris has “gleefully embraced the left’s radical manifesto, calling for trillions of dollars in new taxes and backing Bernie Sanders’ government takeover of healthcare.”Pierson calls Harris “proof that Joe Biden is an empty shell being filled with the extreme agenda of the radicals on the left.”For weeks, Trump’s campaign promised an aggressive response against whomever was selected by Biden as his running mate.Says Pierson, “At the ballot box, Americans will resoundingly reject the abysmal failures of Biden-Harris in favor of the America First strength of President Donald Trump and Vice President Mike Pence.”__4:17 p.m.Joe Biden has chosen California Sen. Kamala Harris as his running mate. It’s a move that fulfills the wish of Democrats clamoring to see a woman of color on a major party’s presidential ticket for the first time in history.The 55-year-old Harris was elected to the Senate in 2016 after serving as California’s attorney general. Harris competed against Biden for the Democratic presidential nomination but left the race before voting began as she struggled to raise money.One of Harris’ standout moments of her presidential campaign came at the expense of Biden, when she slammed his past opposition to school busing. 1601

Residents in states hit by Hurricane Laura continue the long recovery to restoring their homes and businesses destroyed in the Category 4 storm.The death toll from Hurricane Laura has risen to 19 people across Louisiana and Texas.Power and water outages were widely reported in the hardest-hit areas, and it is expected to take weeks before the outages are restored.One of the places hit by the storm was Orange, Texas. Strong winds destroyed buildings, downed power lines and uprooted trees.Resident Robert Matthews is an employee at Mowers, Tractors Inc. in Orange. While surveying the damage, he found the company’s storage building was completely destroyed in the hurricane.Click through the video below to tour the damage done to the business and the surrounding area.This video shows the damage near the city county building.Video courtesy of Scripps National photographer Peter Lipomi. 900

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