安康胎儿停止发育是什么原因(安康无创dna和唐筛有什么区别) (今日更新中)

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

You’ll want to look up at the night sky Monday, because the much-anticipated “Christmas Star” is set to be at its brightest.The “Christmas Star” in a nickname that’s been given to the astronomical event when Jupiter and Saturn will get so close together, they’ll be especially vibrant and visible to the naked eye.During this “Great Conjunction,” the two planets will be the closest they’ve been to each other in nearly 400 years and it’s been about 800 years since the alignment occurred at night, allowing everyone around the world to witness it.Monday night, NASA says Jupiter and Saturn will appear so close that a pinkie finger at arm’s length will easily cover both planets in the sky.Those trying to catch a glimpse of the conjunction are encouraged to look toward the southwest sky just after sunset. NASA says you should find a spot with an unobstructed view of the sky, like a field or park. The planets can be seen with the unaided eye, but if you use binoculars or a telescope, you may be able to see Jupiter’s four large moons.Though from our vantage point, the planets will appear very close together, NASA says they’ll actually remain hundreds of millions of miles apart in space. The conjunction is also happening on the same day as the winter solstice, but the timing is merely a coincidence.“Conjunctions like this could happen on any day of the year, depending on where the planets are in their orbits,” said Henry Throop, astronomer in the Planetary Science Division at NASA Headquarters in Washington. “The date of the conjunction is determined by the positions of Jupiter, Saturn, and the Earth in their paths around the Sun, while the date of the solstice is determined by the tilt of Earth’s axis. The solstice is the longest night of the year, so this rare coincidence will give people a great chance to go outside and see the solar system.” 1874

With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%. 189

YUBA CITY, Calif. (AP) — A California man whose suicide attempt left his face disfigured had successful facial transplant surgery 18 months later, and the lead surgeon estimates his face should be "pristine" in as little as three years.Cameron Underwood, 26, of Yuba City, had the 25-hour operation that involved more than 100 medical staff in January. Less than a year later, Underwood can speak intelligibly. He is golfing and has even gone skydiving, The Sacramento Bee reported Friday.Underwood appeared Thursday at a news conference at New York City's NYU Langone Health center, where he smiled and thanked medical staffers and his family for giving him a second chance at life."There have been so many amazing advances in surgery. I'm living proof of that. But it only happens because of special people like Will and his family," Underwood said referring to Will Fisher, his organ donor.Before Underwood's 2016 suicide attempt, he was employed as a welder and machine worker in Yuba City, as told by family members in a story this month in People magazine.Underwood had struggled with depression since adolescence and shot himself after a day of drinking, disintegrating the bottom of his face.With just 18 months between the initial injury and the surgery, Underwood's procedure represented the shortest wait time for a face transplant in the U.S., said the lead surgeon, Dr. Eduardo Rodriguez."We're able to take advantage of the most advanced technological procedures that exist, and we can do a lot of computerized planning before we do the operation," Rodriguez said at Thursday's news conference.Rodriguez estimated about three to five years until his face is "pristine."Underwood's body has shown no signs of rejecting the transplanted face so far, Rodriguez said."There was no way we could have ever taken him back to a normal life without a face transplant," the surgeon said.Underwood still lives in California but must continue to travel monthly to New York City to see the surgeon.Fewer than 50 face transplants have been performed worldwide, and fewer than 10 total or near-total operations have been performed in the United States.___Information from: The Sacramento Bee, http://www.sacbee.com 2221

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