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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

Rebecca Luker was one of the most beautiful voices on Broadway and a lovely person ,,We are all devastated for Danny and for ourselves,,we will never get to witness her talents on stage again ????????RIP Dear Dear Girl?? pic.twitter.com/6qSKhEZZ2c— Bernadette Peters (@OfficialBPeters) December 23, 2020 320

President Donald Trump tweeted Friday morning that he plans to re-submit a plan to end the Deferred Action for Childhood Arrivals (DACA) program, which offers more than 500,000 young immigrants the chance to remain in the U.S.The Supreme Court ruled against Trump's 2017 efforts to end the program in a landmark decision on Thursday. However, the court's ruling left the door open for Trump or a future administration to end the program should they take the proper steps.Trump said Friday that his administration plans to renew efforts to end the program."We will be submitting enhanced papers shortly in order to properly fulfil (sic) the Supreme Court's ruling & request of yesterday," Trump tweeted. 714

Puppies being rescued in Seattle quickly became rescuers for panicking airline passengers. The dogs were on the way to Detroit when an airline employee stole a plane at Seattle-Tacoma International Airport, resulting in the delay of several outbound flights. A Michigan volunteer was stuck at the airport with the nine puppies, which brought peace to a chaotic situation.“We knew something was happening at the airport, we didn’t really know,” said Steve Heim, a Detroit Metro Airport employee. Heim volunteers with an animal rescue and was in Seattle Friday to bring nine Spanish greyhound puppies to metro Detroit. He was taking a red-eye and quickly realized something was wrong at the airport. An airline employee had stolen a plane on what officials say was a suicide mission. “I said ‘uh-oh this is not good,’” Heim said. He knew his flight and many other flights would be delayed due to the incident. But he was traveling alone, caring for nine puppies at the airport, waiting for the next flight which was more than six hours later. “People were yelling and screaming at all the customer service agents," Heim said. "People were crying. There were thousands of people in the airport.”That's when the puppies came out of the crate and Heim said passengers flocked to them for comfort. “It was nice because nobody will remember what they were really there for just a moment or what had happened,” Heim said.A GoFundMe page has been set up for the puppies here: www.gofundme.com/spanish-galgo-rescueFor more information on Serenity Animal Hospital, visit www.serenityanimalhospital.net. 1649

RAINBOW, Calif. (KGTV) — The wildfires in Australia destroyed many parts of the Outback. But they have also touched off a massive wave of support around the world. Everyone is searching for ways to help not just the families and firefighters, but the animals deprived of their homes. A woman from the tiny town of Rainbow is hoping her handiwork will help the Australian wildlife in a big way.Symphony Ariosta, 31, is a true animal lover. "I love animals. If I could, I would run a rescue myself," Ariosta said. "I figure if I can't, then why not use my talents and trades to help the ones that need it?"RELATED: San Diego Zoo Global supports koala recovery amid devastating Australia wildfiresThe ones in need right now are in Australia. Scientists at the University of Sydney estimate at least one billion animals have been killed in the months-long wildfires. Seeing the images of the animals and the flames on the news reminded Ariosta of the tragedy her family experienced in the 2007 Rice Canyon Fire in Fallbrook. "It's heartbreaking," Ariosta said. "I feel, no matter where in the world you are, if you can help, why not?"She wondered what she could do without breaking the bank. She searched online and found "Rescue Craft Co," a group dedicated to handicrafts."There's wildlife pouches, there are bat wraps, there are little marsupial bags, hanging pouches," Ariosta explained. RELATED: Here's how you can help the victims of the Australian wildfiresThe website offered patterns to make fuzzy little homes for injured and orphaned animals in Australia. Crocheting birds nests is Ariosta's go-to."They're quick, and they're easy to pump out," Ariosta said, with her crochet hook in hand. "So it's kind of my favorite thing to do."In the last three days, she recruited several people from Rainbow and neighboring Fallbrook to join her cause. "Bringing everyone together in that way over a common kind of unifier has really just made a huge difference, and it's brought our community together as well," Ariosta said. RELATED: UCSD Health, San Diego Zoo Safari Park team up to save gorilla's eyesightA tight-knit community, coming together, one stitch at a time. "It might seem a little cheesy, but baby steps are still steps forward, and so that's where we're going from there."Ariosta says a local shipping company called "Going postal" has offered to send the handicrafts every week to Australia, free of charge. She also says she printed out simple patterns and left them at the Fallbrook Library if anyone else wants to join the cause. 2555

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