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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’re probably working hard, and you’re probably still struggling to pay the bills. U.S. workers put in more hours in 2016 than the average among countries in the Organization for Economic Cooperation and Development. Yet overall financial security in the U.S. declined across most age groups between 2000 and 2014, according to Stanford University’s Center on Longevity.Figuring out whether your skills, experience and contributions to the company should net you a raise is tricky. Just because you feel underpaid doesn’t mean you are — but it’s worth finding out.Here’s how to do the research, talk to the right people and build a case to get the salary you deserve. 692

— are also increasingly getting caught up in dangerous situations, Southwick said. "Journalists reporting on those issues and on activists are being caught up in the same kind of threats that the activists themselves are facing," she added.Southwick said it was essential that governments push back against organized crime and impunity. "They [organized crime gangs] see that there are no consequences for killing journalists — that sends a message that they can continue getting away with it.""We welcome the unprecedented fall in the number of journalists killed in war zones but, at the same time, more and more journalists are being deliberately murdered in connection with their work in democratic countries, which poses a real challenge for the democracies where these journalists live and work," Reporters Without Borders secretary-general Christophe Deloire said in a statement.The organization also noted that the number of journalists who had been arbitrarily detained was 12% higher than in 2018, with 389 journalists in prison connected to their work as of December 1.China, the report said, holds a third of arbitrarily detained journalists. 1155

late Tuesday, spurring a massive response from area emergency and fire crews that continues into this morning.Authorities said one of the rickhouses, where barrels of bourbon are stored as they age, initially caught fire, eventually spreading to the other nearby structure. Crews at one point had the fire in the first barrel house put out, but it reignited, showing the difficulty of fighting a blaze fueled by both wood and alcohol. About 45,000 barrels of bourbon were burning in one of the structures, 509

artists in Nashville, persuading a man to give up hundreds of thousands of dollars.Award-winning bluegrass artist Rhonda Vincent says she first learned about someone targeting her fans when the FBI called her husband, who's also her manager.The FBI special agent asked Vincent if she knew the victim in the case. Though she had met the fan before, she had no idea he was under the impression the two were in a relationship."My only thing with that is, if we were having a relationship, wouldn't we at least have dinner," said Vincent.According to Vincent, the victim even left his wife and came to one of her concerts saying he was there to start a new life with her.Officials say the scammer had not only convinced the fan of the pair's secret love, but also got him to send thousands of dollars in gift cards and cell phones to an unknown location. They convinced the victim to continue sending money, but would always give an excuse why the pair couldn't meet in person."They have pictures of boxes and boxes of gift cards that were sent. If someone is asking you for something like that, just don't believe it," said Vincent.FBI Special Agent Richard Baer specializes in white collar crime like this. He said scammers have become skilled in creating convincing stories."They sit full-time in a lot of different places around the world with information and the interconnection that we all have with social media and the internet. They're targeting people," said Baer.Baer said gift card transactions or someone asking for money very urgently are all signs that the person on the other end may not be who they say they are. Also, they tend to play on fans or people who seem like they're lonely."It can have real negative implications. It might cause strains in personal relationships," he said.It caused stress for Vincent, who said the victim's ex-wife has contacted her husband repeatedly, asking and accusing Vincent of sending her ex-husband naked photos. She wasn't."I am concerned that a wife, a jealous wife that thinks her husband is getting naked photos from me or is leaving her. That concerns me. I think it's getting into a dangerous situation," said Vincent.Even though Vincent, her husband and the FBI have all told the fan that he had been scammed, he's continuing to talk with the scammer.She said other fans have also been targeted, a police officer was contacted in a similar manner. A scammer was trying to get the officer's personal information."[They] said 'prove what a super fan that you are. We want you to prove it. Send us a check and we'll send you some merchandise. You sell the merchandise and prove to us what a super fan that you are.' He toyed with them for a while and then they kept pushing him for an address, pushing him for an address, and he gave them the address to the police station and they gave up on him after that," she said.This story was originally published by Kyle Horan at WTVF. 2933

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