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President Donald Trump visited Arlington National Cemetery on Wednesday as part of a Veterans Day ceremony.Trump laid a wreath at the Tomb of the Unknown Soldier, in an act that has become a Veterans Day and Memorial Day tradition for presidents in the years since the remains of several unidentified U.S. soldiers who fought in World War I were interred at the cemetery in 1921.In the years since, remains of other unidentified soldiers from World War II and the Korean War have since been interred in the area. The remains of a U.S. soldier who fought in the Vietnam War were briefly interred in the tomb before scientists identified them as those of Air Force 1st Lt. Michael Joseph Blassie. Blassie's remains were removed from the tomb in 1998 upon his family's request.The Tomb has come to represent all U.S. soldiers who have been killed or remain missing in action.The wreath-laying ceremony was Trump's first on-camera public appearance since most media outlets projected Joe Biden as the winner of the 2020 presidential election.Prior to Wednesday, Trump's last on-camera public appearance came on Nov. 5 when he held a press conference at the White House to falsely claim victory in the 2020 presidential race citing baseless claims of widespread voter fraud. 1277

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

Residents of a hospice in London woke up Sunday to a pleasant and sweet-smelling surprise: the flowers that surrounded the Duke and Duchess of Sussex on their wedding day.The donated flowers, which adorned both St. George's Chapel and St. George's Hall in Windsor on Saturday, were designed by Philippa Craddock and a team of florists from Buckingham Palace and Windsor Castle.The bouquets were made up of foxgloves, peonies, and white garden roses, many of which were sourced from the gardens and parkland of the royal-owned Crown Estate and Windsor Great Park.Kensington Palace confirmed that the flowers were donated to a number of charities and hospices. One recipient was St. Joseph's in Hackney, east London. "To see the faces of the patients when they received the flowers was just fantastic," hospice spokeswoman Claire Learner told CNN.St Joseph's has a long history of royal connections, having been visited by Queen Elizabeth II, Princess Diana and, most recently, Prince Edward, who toured the grounds in 2015, the hospice said.The ties to the royal family do not stop there. Pauline Clayton, an 89-year-old patient, once worked as an embroideress to Norman Hartnell, one of the Queen's dressmakers.She revealed that aged just 19, she worked for almost 50 hours on the train of the Queen's own wedding dress, according to the UK's Press Association.Clayton added that she thought the gesture to donate the flowers was "lovely."For Father Peter-Michael Scott, the hospice's lead chaplain, the gesture signified something altogether more fundamental."It is about the energy of love. We are absolutely thrilled by the flowers and wish them (Harry and Meghan) all the best for the future," he also told PA. 1732

President Donald Trump started his Sunday morning by lashing out at special counsel Robert Mueller's team, former FBI Deputy Director Andrew McCabe, and former FBI Director James Comey.Just a day after news that Mueller had interviewed McCabe and asked him about Comey's firing, Trump attacked the special counsel's team, seeming to suggest it has a partisan bias."Why does the Mueller team have 13 hardened Democrats, some big Crooked Hillary supporters, and Zero Republicans? Another Dem recently added...does anyone think this is fair? And yet, there is NO COLLUSION!," Trump wrote on Twitter. 614

President Donald Trump announced today he wants a tax bill to pass by Thanksgiving and be signed by Christmas.The President, speaking at the White House today, also said it will be the biggest tax reform event in history and the bill will benefit the middle class and businesses. He says Democrats may support the proposed bill.The not-yet-released bill has already attracted ire from one powerful outside group. And House Ways and Means Chairman Kevin Brady announced Saturday he'd already made one concession to assuage concerns?from northeast Republicans, a sign of the major legislative undertaking Republicans are about to embark on. 661

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