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RICHMOND, Va. — Despite a recent extension of student loan relief, experts suggest borrowers should begin preparing now for repayments to begin."The best thing you can do right now is to set a plan forward for your repayment," said Andrew Pentis, who works with LendingTree. "It's possible that this moratorium could be extended by the Biden administration or the newly-elected Congress. But Biden takes office on Jan. 20 and the current moratorium is expected to end right now at Jan. 31. So that only leaves you know less than two weeks for a decision to be made on whether the moratorium will be extended."Pentis said that since March, millions of student loan borrowers have been given an administrative forbearance, which suspended payments and interest and stopped collections on all defaulted student loans. He said borrowers with government-held federal student loans did not incur penalties during the moratorium."If you have an eligible federal student loan and you're seeing any of those negative impacts such as your credit score being affected your credit report showing and delinquent account, it's best to contact your federal loan servicers," Pentis said.For borrowers struggling to afford payments, Pentis suggested they enroll in an income-driven repayment plan to lower monthly payments. "You could also pause your payments via a deferment for unemployment or other economic hardship reasons," he said.He said hoping the government will simply wipe away the more than trillion in student loan debt is not a wise option."There are billions of dollars worth of private student loans and student loans that are no longer in the hands of the federal government," he said. "So even if both major political parties got together and decided this is what they wanted to do, it's unlikely that we would see more than a trillion dollars actually went away."While Pentis says it is best to plan to restart payments at the end of January, reports surfaced on Thursday that Congress is close to striking a deal on more COVID-19 stimulus that could include more student loan relief.This story was originally published by Shelby Brown on WTVR in Richmond, Virginia. 2181

SACRAMENTO, Calif. (AP) — A new report says California, which has a declining prison population, could save more than billion by closing eight lockups. The Legislative Analyst’s Office released a report Thursday saying the state has seen a reduction in its inmate population because of early releases and other actions linked to the COVID-19 pandemic. The report also says parole and sentencing law changes may flatten the prison population in the next few years. The report says the population changes, coupled with closing five adult prisons and three juvenile facilities, could save the corrections system .5 billion a year by 2025."The administration has indicated it plans to close one prison in 2021?22 and another in 2022?23 in order to accommodate the ongoing decline in the inmate population, primarily resulting from Proposition 57 (2016)" the analysis reads. "The budget package includes legislation requiring CDCR to inform the Legislature of the specific prisons to be closed by January 10, 2021 and January 10, 2022. The administration estimates the closures will result in 0 million in ongoing savings annually within a few years." 1162

SACRAMENTO, Calif. (AP) — Twenty-three states have sued to stop the Trump administration from revoking California's authority to set emission standards for cars and trucks.California Attorney General Xavier Becerra is leading the lawsuit filed Friday, along with Gov. Gavin Newsom and the California Air Resources Board.The Trump administration on Thursday revoked California's authority to set its own auto emission standards. The state has had that power for decades under a waiver from the federal Clean Air Act.The lawsuit argues that the National Highway Traffic Safety Administration does not have the authority to revoke California's waiver.Becerra says the Trump administration's action fails to respect states' authority to protect public health.Four automakers have said they would voluntarily follow California's standards. 842

Roughly 40 million people are estimated to wear a fitness tracker of some kind. Now one of those brands, Fitbit, has teamed up with researchers to try and predict COVID-19 symptoms before they start."About seven years ago when these Fitbits and things were coming out as fitness trackers, we said, Well they're probably pretty good physiological markers, not just fitness markers," said Dr. Michael Snyder with Stanford University's School of Medicine.Dr. Snyder says they were first able to use the technology to help them catch early signs of Lyme disease. The current pandemic has prompted them to take their research a step further."They're mostly built around heart rate which we think is better than skin temperature because not everyone gets a fever with COVID," said Dr. Snyder.Stanford's study is taking place in two phases. In the first, researchers evaluated six months of data in a majority of patients who tested positive for COVID-19. Their research showed COVID-19 patients had an elevated resting heart rate up to nine days before showing any symptoms of the virus."I view these as health monitors in the current pandemic. If we start flagging people as early as possible we’re going to be way [ahead in reducing] the number of cases, probably help people in saying no you shouldn’t go to work today. So, it has broad implications for the economy, pandemic spread and personal health period," said Dr. Snyder.Senior Vice President and General Manager of Fitbit Health Solutions, Amy McDonough, agrees."In particular, resting heart rate, heart rate variability, breathing rate all might change as your body is fighting off illness. So the study is really to look at what are the expressed changes that might happen," said McDonough."I think your immune system engages pretty quickly when you get ill and the cells are probably consuming a lot of energy and your heart needs to pound away to create some of them," said Dr. Snyder.Stanford's second phase of the study starts soon. People who have a fitness tracker can sign up and anonymously share their fitness data. Then, they can get alerted when researchers detect an elevated resting heart rate and possible early signs of contracting a virus."To be able to do that earlier detection can help keep people safe and help understand their body and when they might be fighting off illness," said McDonough.Dr. Snyder is confident in the technology, which he says helped him detect his own case of Lyme disease. "In one case which was on me, it was pretty clear I was ill because of the bio marker but I didn’t feel symptoms and my watch even picked that up. So what that tells you is it can detect disease when you’re presymptomatic as well as in asymptomatic cases which is pretty powerful," said Dr. Snyder.People can sign up for Stanford's study by logging into their Fitbit app or heading to innovations.stanford.edu.As for what Dr. Snyder hopes to take away from this study, he said "I hope to plant a wearable device on every person on the planet. Sixty percent of people have a smartphone so it's totally scalable. These are not expensive devices. They could be a lot cheaper than they are and obviously the ones in the future will be much more health-oriented."Eventually they hope to be able to detect the severity of an illness, as well. 3320

ROME (AP) — Pope Francis says the coronavivrus pandemic had proven that the “magic theories” of market capitalism have failed and that the world needs a new type of politics that promotes dialogue and solidarity. Francis laid out his vision for a post-COVID world by uniting his social teachings into a new encyclical. The document was released Sunday on the feast of his namesake, the peace-loving St. Francis of Assisi. In it, Francis rejected even the Catholic Church’s own doctrine justifying war as a means of legitimate defense, saying it had been too broadly applied. He also cited the loss of millions of jobs in the pandemic as a reason to craft more just social and economic policies. 702

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