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Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567

Teachers are talking candidly about the challenges this school year will bring. With many school districts in Virginia opting to start the school year with distance learning, one Hampton Roads social studies teacher shares his thoughts on how to help students have a virtually successful school year.Christopher True is a middle school social studies teacher who is gearing up for a new school year and the inevitable challenge that will come with it.True says communication is key to virtual success.“If that student is struggling with something, they may not be telling the parent.”He says parents should encourage their children not to be afraid to reach out to their teacher for help.True says the communication between students and teachers is just as important as the communication between the teachers and parents.He says parents shouldn’t be afraid of contacting teachers and describes virtual learning as “a community-led effort.”Schools will undoubtedly have expectations for students, even at home, but True hopes those expectations come leniency.“If you have a student whose parents work and [that student] actually has to go to daycare, they can't be expected to be in a class zoom at 10 a.m. if they don't have access to that stuff. And that's just going to be one of those things that we have to account for.”The test run of virtual learning at the end of last school year taught everyone new lessons, including that it takes time to adjust.While he’s banking on beginning the school year virtually, True is looking forward to connecting in the classroom once again.“There's no place I'd rather be. I can't wait to sit in a classroom with my kids again when we can do it safely and I can keep my students safe.”WTKR's Kofo Lasaki first reported this story. 1779

Target announced on Thursday that it is targeting diversity.In a press release, the retailer says they plan to increase its Black workforce by 20% in the next three years by "sharpening its focus on advancement, retention, and hiring."“The changes we’re making are going to have a meaningful impact on the careers of our Black team members and prospective team members,” said Kiera Fernandez, Vice President, Human Resources and Chief Diversity and Inclusion Officer in the press release. “A diverse and inclusive team at Target is one where there’s equity in how we promote, retain, and hire team members. Additional leadership development, training programs, and mentorship for our Black team members, along with a focus in areas of the business where our Black representation is not as strong, will offer new career development opportunities for our team for years to come. And we know the support we have for our team helps extend our reach outside our walls, creating a ripple effect that impacts our guests and communities.”The company says it plans to develop programs to hire and retain Black team members, increase its network of mentors and sponsors, and conduct anti-racist training for leaders and team members that'll "educate, build inclusion acumen, and foster a sense of belonging."The Minnesota-based company also released its latest diversity report. The Data collected in 2019 showed that 15% of workers were Black, 12% of managers were Black, 5% of Target officers were Black, and 8% of its leadership team was Black.Data also showed that its board of directors was 15% black. 1604

TAMPA, Fla. — Police say that street racing led to the death of a mother struck by a vehicle while pushing her child in a stroller in Tampa, Florida. Three people have been arrested.According to Tampa Police, two cars were street racing down Bayshore Boulevard on Wednesday afternoon when one of the vehicles struck the mother and child near W. Knights Avenue in Tampa.Tampa police say the mother, 24-year-old Jessica Reisinger, and the 2-year-old child were sent to the hospital with serious injuries. Reisinger died at the hospital and the 2-year-old is currently in serious condition.  616

Student loan borrowers are getting another break.A recent executive order signed by President Trump extends the suspension of payments and interest on federally-held student loans from September 30 to December 31, but certain details are still unclear.“The language isn’t super clear, so we student loan nerds are anxiously awaiting the Department of Education’s guidance, which we are expecting in the next couple of weeks for sure,” said Betsy Mayotte with The Institute of Student Loan Advisors (TISLA).Borrowers have reported their loan servicers are also awaiting direction from the Department of Education.Aside from a break in payments, Mayotte said there are programs borrowers in default should take advantage of during this COVID period.“Loan rehabilitation is kind of an awesome and unique thing for the federal student loan program. If you make nine consecutive on-time payments in an amount that’s based on your income, so the payments can be as low as , not only are you taken out of default, but they remove the default line from your credit report like it was never there. And the collection costs are significantly reduced,” said Mayotte.And right now, suspended payments will count toward rehabilitation.According to the department’s Federal Student Aid office: “If you enter a new rehabilitation agreement between March 13, 2020, and Sept. 30, 2020, suspended payments that would have been made from the beginning of your agreement until Sept. 30, 2020, will count.” “They’re counting this period like you’re making those rehab payments even though you don’t have to make them,” said Mayotte.It's still uncertain whether the same treatment will continue under the president’s executive order.Mayotte added that private student loan borrowers may want to consider refinancing now that interest rates have gone down.And even though payments for many borrowers have been suspended, it doesn’t mean you shouldn’t pay anything, especially for those still employed.With interest waived, anything you pay now will go directly towards your principal, so when payments resume, interest will collect on a lower balance.If you have questions about your loan or need help with a dispute, TISLA offers free advice.Also, check out StudentAidPandemic.org for up-to-the-minute guidance on student loans and financial aid during the COVID-19 pandemic.If borrowers need additional assistance with their student loan servicer, they should contact the Maryland Student Loan Ombudsman by email at studentloan.ombudsman@maryland.gov or by phone at 410-230-6185.This story was reported by Mallory Sofastaii at WMAR. 2631