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Race favorite Justify, ridden by Mike Smith, won the 144th Kentucky Derby on a sloppy track at Louisville's Churchill Downs on Saturday.Justify is trained by Bob Baffert, who now has five Derby wins.Good Magic finished second, just ahead of Audible. The winning time was 2:04.20.Justify, the 5-2 favorite, became the first Derby winner in 136 years that did not race as a 2-year-old. The chestnut colt has won all four starts as a 3-year-old. 450

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

Researchers in England say they have the first evidence that a drug can improve survival from COVID-19. A steroid called dexamethasone reduced deaths by up to one third in severely ill hospitalized patients, according to results released Tuesday. The study was led by the University of Oxford and involved thousands of patients randomly assigned to get the drug or just usual care. Dexamethasone reduced deaths by 35% in patients who needed treatment with breathing machines and by 20% in those only needing supplemental oxygen. It did not appear to help less ill patients. 581

Regardless of their author, the content of the hacked tweets is something I have talked about at length in my book, in podcasts and in countless interviews regarding my decision to resign, as well as the constant work and reflection I’ve done since then.— Katie Hill (@KatieHill4CA) October 7, 2020 306

Public speaking is one of the biggest fears. About 7 percent people in the U.S. have the fear, that's about 27 million Americans. But there are some steps you can take in your everyday life to beat the fear for good.This is the moment Anyeik Artis and all her classmates will see if she's overcome her fear of public speaking."My name is Anyeik and my speech is about what we think we are," Artis says. "It's all about the mindset you choose to be in that will determine your outcomes in life."She stuck to her notes and gave personal examples."My goal in life was to go to college when I was in high school," Artis explains.Eventually the notes were gone and the speech ended much differently than it began."Not everybody is going to be the same because our thoughts are so different," Artis says in closing. "So thank you."She made it back to her seat relieved."I kept shaking but I got through it.," Artis says.Then, she waited for feedback."There was way less fidgeting," said Oldile Fazioni, Artis' teacher at Community College of Denver. "You were more present, you were really looking at us strong with the strong eye contact."Fazioni helps her students overcome their fears. The first step is a starting exercise, where students make eye contact with their audience one person at a time."Try to change the speech from a speech to the audience to a conversation with that person," Fazioni says.Next, she teaches students to be in touch with their bodies. It works by consciously feeling your hands and feet to take attention away from the fears in your mind and become more present. But the biggest key she says is concentrating on content."The moment that the student is able to move away from the mind and into the verbal message and making sure that it is clear I see a huge shift in the confidence of the students," Fazoni says.And lastly, celebrate! Recognize how far you've come, even if you're not perfect."Let's value the mistakes just as much as we value the success because through the mistake or through their fault we really learned to become better speakers," Fazioni says.Fazioni says you don't have to be in a class to try these things out. You can practice in small group conversations. So when that big speech does come, you'll be ready.      2309

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