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People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

People in San Francisco make the highest salaries in the world, according to a new report by Deutsche Bank. According to the report, San Francisco beat out Zurich, Switzerland this year. Zurich had a long-standing dominance on the list, but people in San Francisco are paid nearly ,000 per month more than those in the Swiss city. The report shows that San Francisco residents make an average of ,526 per month. In Zurich, the average is ,896. Although that may seem like a lot of cash to have on hand, monthly rent in the California city costs more than ,600, according to the report. 603

PASADENA, Calif. (KGTV) -- Thursday, the world’s first autonomous robotic kitchen assistant, Flippy, made its debut.Flippy will begin working alongside kitchen staff at CaliBurger’s Pasadena location.Flippy will, of course, be flipping burger patties and removing them from the grill.The robotic arm was created by Miso Robotics, a company that specializes in robotics and artificial intelligence solutions.The company also developed Miso AI, a cloud-connected learning platform that powers the robotic arms.The technology can detect when the raw burger patties are places on the grill and monitors each one as it cooks.Miso AI displays cooking time and alerts staff when it’s time to place the cheese on top of the patty or dress the burger. 755

Our personality affects the decisions we make, including how we shop. And as we know, Black Friday is going to be different this year. Those changes, along with having certain types of personalities, may not help our wallets.Being impulsive can lead people to make quick decisions and buy things without really thinking about it. And now that a lot of these Black Friday deals are online, it can trigger that impulsiveness, partly because we're not physically handing money over to someone.“When there’s no cash involved and there’s no real exchange like that, it’s just kind of like this single swipe, that really makes it a lot of harder to engage that part of our brain that help us make that decision in the best way for us,” said Dr. Michael Vilensky, a psychologist at Ohio State University’s Wexler Medical Center.The stress we're all feeling this year can also be a trigger. You might have family members who are sick, maybe you lost your job, and maybe you're stressed just because you haven't seen your family in a while and won't be able to during the holidays.Psychologists say we may resort to shopping to feel like we have some kind of control.“If it does feel like shopping is a way to manage difficult emotions, think of some other strategies that may be a way to do that. If it’s talking to a friend. If it’s doing some other kind of relaxing activities or stress reduction activities,” said Vilensky.In addition to this, one thing we can do to control our shopping is getting rid of apps that have a single swipe or single tap payment option.If you know you'll be shopping online, give yourself 24 hours to think about a purchase before you pay for it. That'll help you think about whether you really need or want it. 1743

Our neighbor came out at this point to walk his dog. My husband asked if they wanted to check our neighbor's ID and they said "No, of course not." He said, "That's exactly the point." (13/n)— Danielle Fuentes Morgan (@mos_daf) August 22, 2020 250

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