吉林包皮最好的医院吉林做阳痿早泄哪家医院便宜,吉林治疗龟头炎炎哪家医院最好,吉林消除包皮水肿的方法,吉林正规切包皮手术哪家医院好,吉林正规专业男科医院,吉林包皮手术大约价格,吉林阴茎背部神经阻断术的危害

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

President Donald Trump used the United Nations as a foil on the campaign trail in 2016, slamming it for its "utter weakness and incompetence" and arguing that it is "not a friend of freedom."His history with the international body on Manhattan's East Side doesn't start there -- as a real estate creature of New York, Trump has long interacted with the UN.On his first day attending the UN's yearly meeting, Trump tried to play nice. But it's clear that his skepticism for the organization remains. 506

Progressives, states and civil rights advocates are preparing a flurry of legal challenges to the Trump administration's decision to add a question about citizenship to the next census, saying the move will penalize immigrants and threaten civil rights.The late Monday move from the Commerce Department, which it said came in response a request by the Justice Department, would restore a question about citizenship that has not appeared on the census since the 1950s. The administration said the data was necessary to enforce the 1965 Voting Rights Act.The state of California immediately challenged the plan in federal court.California Attorney General Xavier Becerra and Secretary of State Alex Padilla trashed the move as anti-immigrant."The citizenship question is the latest attempt by President Trump to stoke the fires of anti-immigrant hostility," Padilla said in a statement. "Now, in one fell swoop, the US Commerce Department has ignored its own protocols and years of preparation in a concerted effort to suppress a fair and accurate census count from our diverse communities. The administration's claim that it is simply seeking to protect voting rights is not only laughable, but contemptible."Former Obama administration Attorney General Eric Holder also blasted the move and said his organization, which focuses on voting enfranchisement and redistricting, would also pursue litigation against what he called an "irresponsible decision."Holder said contrary to the rationale presented by the Justice Department, he and other modern-era attorneys general were "perfectly" able to handle those legal matters without such a question on the Census."The addition of a citizenship question to the census questionnaire is a direct attack on our representative democracy," Holder said in a statement. "Make no mistake -- this decision is motivated purely by politics. In deciding to add this question without even testing its effects, the administration is departing from decades of census policy and ignoring the warnings of census experts."Critics of the move say that including such a question on a government survey will scare non-citizens and vulnerable immigrant communities into under-reporting. By undercounting these populations, they argue, there will be a major impact that follows on voting and federal funds.Because the once-a-decade census is used to determine congressional and political districts and to dole out federal resources, an undercount in heavily immigrant areas could substantially impact certain states and major cities and potentially their representation at the federal level.The question has not been on the full census since the 1950s, but does appear on the yearly American Community Survey administered by the Census Bureau to give a fuller picture of life in America and the population.The Commerce Department said the decision came after a "thorough review" of the request from the Justice Department. The priority, Commerce said, was "obtaining complete and accurate data.""Having citizenship data at the census block level will permit more effective enforcement of the VRA, and Secretary Ross determined that obtaining complete and accurate information to meet this legitimate government purpose outweighed the limited potential adverse impacts," the statement said.Becerra and his state have been central to virtually every legal challenge of the Trump administration on issues ranging from immigration, to the environment, to health care. The Justice Department has also sued California over its so-called sanctuary policies to protect immigrants.More challenges could soon follow.Wendy Weiser, director of the Brennan Center's Democracy Program, a nonprofit that works on issues of justice and civil rights, said the question had no place in the Census."Our Constitution requires a complete and accurate count of everyone living in the country, no matter her or his citizenship status. The administration's decision to add a citizenship question is at best a dramatic misstep, and at worst a politically-motivated move that will undermine a fair and accurate census," Weiser said. "This question is a dangerous move that could lead to a serious skewing of the final census results, which would have a deleterious effect on our system of representative democracy. We urge the administration to reconsider."  4368

RAINBOW, Calif. (KGTV) — The wildfires in Australia destroyed many parts of the Outback. But they have also touched off a massive wave of support around the world. Everyone is searching for ways to help not just the families and firefighters, but the animals deprived of their homes. A woman from the tiny town of Rainbow is hoping her handiwork will help the Australian wildlife in a big way.Symphony Ariosta, 31, is a true animal lover. "I love animals. If I could, I would run a rescue myself," Ariosta said. "I figure if I can't, then why not use my talents and trades to help the ones that need it?"RELATED: San Diego Zoo Global supports koala recovery amid devastating Australia wildfiresThe ones in need right now are in Australia. Scientists at the University of Sydney estimate at least one billion animals have been killed in the months-long wildfires. Seeing the images of the animals and the flames on the news reminded Ariosta of the tragedy her family experienced in the 2007 Rice Canyon Fire in Fallbrook. "It's heartbreaking," Ariosta said. "I feel, no matter where in the world you are, if you can help, why not?"She wondered what she could do without breaking the bank. She searched online and found "Rescue Craft Co," a group dedicated to handicrafts."There's wildlife pouches, there are bat wraps, there are little marsupial bags, hanging pouches," Ariosta explained. RELATED: Here's how you can help the victims of the Australian wildfiresThe website offered patterns to make fuzzy little homes for injured and orphaned animals in Australia. Crocheting birds nests is Ariosta's go-to."They're quick, and they're easy to pump out," Ariosta said, with her crochet hook in hand. "So it's kind of my favorite thing to do."In the last three days, she recruited several people from Rainbow and neighboring Fallbrook to join her cause. "Bringing everyone together in that way over a common kind of unifier has really just made a huge difference, and it's brought our community together as well," Ariosta said. RELATED: UCSD Health, San Diego Zoo Safari Park team up to save gorilla's eyesightA tight-knit community, coming together, one stitch at a time. "It might seem a little cheesy, but baby steps are still steps forward, and so that's where we're going from there."Ariosta says a local shipping company called "Going postal" has offered to send the handicrafts every week to Australia, free of charge. She also says she printed out simple patterns and left them at the Fallbrook Library if anyone else wants to join the cause. 2555

QUEENS, NY — The childhood home of President Donald Trump in Queens, New York is reportedly for sale. A real estate agency is asking Trump supporters to donate to help purchase the five-bedroom, five-bathroom home, to show their “love.”“Love Trump? Thank President Trump by contributing to this campaign to buy his childhood home in his honor!” a GoFundMe page reads.The Tudor-style home along Wareham Place failed to sell at auction last year, and is listed for sale. Paramount Realty USA started the GoFundMe page to raise donations, with a goal of million. As of Monday morning, they had around ,500.“We are raising funds to buy President Trump's childhood home for him, or a charity of his choosing, as a token of appreciation. What happens to the historic property is up to him!” the group states in the description of their fundraiser.The group lists possible uses for Trump’s childhood home, including as a presidential library, national historic site, trophy property or house of worship.In September 2016, President Trump told tv host Jimmy Fallon “that’s really sad looking at that, I want to buy it, I want to buy it,” when Fallon informed the president his childhood home was for sale and showed images of it.According to Paramount Realty, the home sold in 2017 for about .14 million. For a brief time, Airbnb listed the home as available to rent for roughly 0/night after the 2017 sale. Online home listing sites have details of the home, now for sale again, including images of the interior of the home with what appears to be a cut-out of President Trump. The home appears to be listed for .9 million.Trump lived at the home from birth to around age 4, when his family moved to another home adjacent to the Wareham Place property. 1765