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Four Americans and a Costa Rican tour guide died Saturday after their recreational rafts overturned on the Naranjo River in Costa Rica.Luis Guzman, a Costan Rican official of the Red Cross, told CNN en Espanol that three rafts carrying 18 people overturned. Thirteen people survived by holding on to the overturned rafts but five were pulled further down the river.Costa Rican officials identified the deceased Americans as Ernesto Sierra, Jorge Caso, Sergio Lorenzo and Andres Dennis. Their ages ranged from 25 to 35. No hometowns were given.The deceased Costa Rican tour guide was identified as Kevin Thompson Reid.Costa Rican President Carlos Alvarado Quesada said on his official Twitter account: "In the name of the Government and people of Costa Rica I would like to express our deepest sorrow for the accident this afternoon at the Naranjo River in Quepos. I would like to thank all the emergency and security teams that worked diligently, and I have instructed authorities to help the victim's families."The Costa Rican Red Cross had 12 rescue workers in the area when the accident happened and assisted in the rescue, the organization posted on social media. 1175

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Following economic shutdowns to slow the spread of the coronavirus, and with the US still dealing with the spread forthe pandemic, experts from the UCLA foresee a US economic depression into 2023.The researchers say that unemployment levels of 10% could persist into the fall, and 6% unemployment could remain through the end of 2022.US unemployment was below 4% earlier this year."To call this crisis a recession is a misnomer. We are forecasting a 42% annual rate of decline in real GDP for the current quarter, followed by a 'Nike swoosh' recovery that won't return the level of output to the prior fourth quarter of 2019 peak until early 2023," writes UCLA Anderson Forecast senior economist David Shulman in an essay titled "The Post-COVID Economy."The researchers note that the economy has already hit rock bottom. But GDP and employment levels won’t see a quick recovery.But Shulman said that the entire economic meltdown cannot be blamed on the coronavirus. Shulman and UCLA researchers say the pandemic has accelerated economic trends that were already moving toward increased digitization of business functions and online commerce. 1149

For the second straight day, Johns Hopkins reports that the U.S. has reported a record number of new cases of the novel coronavirus.According to a Johns Hopkins database, more than 45,000 new cases of COVID-19 were reported on Friday. That comes a day after more than 40,000 cases were reported on Thursday.According to The Associated Press, many of the new cases have been reported in rural areas.For many states and counties in the U.S., the dark days of the coronavirus pandemic in April unfolded on their television screens, not on their doorsteps.But now, some places that appeared to have avoided the worst are seeing surges of infections, as worries shift from major cities to rural areas.Much of the focus of concerns that the United States is entering a dangerous new phase has been on big Sunbelt states that are reporting thousands of new cases a day.But the worrying trend is also happening in places like Kansas.In early June, Kansas looked to be bringing its outbreak under control, but its daily reported case numbers have more than doubled in recent weeks. 1080

Four people were killed and four others were wounded when a gunman opened fire in a Waffle House in Antioch, Tennessee.The mass shooting happened around 3:25 a.m. Sunday at 3571 Murfreesboro Pike near Hobson Pike.Metro Nashville Police Department officials named 29-year-old Travis Reinking, from Illinois, as a person of interest in the shooting, saying the vehicle the gunman used was registered to him. 423