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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

has some divided over what should be done.On Monday, neighbors in Parker, Colorado, received an email from their homeowners association mentioning that some of the survivors of the 183

??WANTED for ASSAULT: On 10/1, at 7:24 AM, a 67-year-old male victim was walking southbound on Central Park West in the vicinity of West 70th Street, when an unidentified male struck him in the head with a closed fist, knocking him to the ground. Have info? Call/DM @NYPDTips pic.twitter.com/ZvSUPjtVdp— NYPD NEWS (@NYPDnews) October 2, 2020 349

With strikeouts piling up, scoring plummeting, attendance falling and games often descending into all-or-nothing bores, it's no wonder that some people are calling for radical change to baseball.The sport faced a similar challenge 50 years ago, dogged by a scoring depression and?lagging fan interest. In response, baseball's rules committee lowered the pitcher's mound 5 inches and tightened the strike zone, making it harder for pitchers to dominate the game. That sparked more scoring the next season — and more exciting games for fans.If those fixes could breathe new life into the sport then, there's no reason a similar strategy wouldn't work now.Today, infield shifts — where teams load three players on one side of the infield — are gobbling up hits and forcing hitters to obsess over launch angles to lift balls over the infield and into the seats. So, a good place to start would be requiring two infielders on each side of second base, spreading them out in a traditional defensive alignment.Lowering the pitcher's mound also worked in 1968, and it's worth considering dropping it some more to help reduce the elevation advantage that pitchers have, especially in today's era of often overmatched hitters facing down 100 mph+ pitches. And a pitch clock, requiring pitchers to throw to the batter within 20 seconds, could move things along, squeezing some dead air out of games.This year's playoffs have featured some exciting matchups, but oftentimes teams have suffered through collective slumps that have become endemic in the sport. In the National League, the Colorado Rockies scored a total of two runs in three games as they were swept by the Milwaukee Brewers, while the Atlanta Braves got shut out twice in their four-game series loss to the Los Angeles Dodgers. Over in the American League, the Cleveland Indians managed just six runs in three games in a losing effort to the Houston Astros. And those were among the best-hitting teams in baseball.The 1968 season was known as the "Year of the Pitcher," when pitching was so dominant that Carl Yastrzemski was the only player in the American League with a batting average over .300, the standard for excellence in hitting. Pitcher Bob Gibson led the National League with a 1.12 earned run average (ERA), the best since the Deadball era (an ERA under 3.00 is generally considered very good). Attendance fell for the second straight season and many people wrote off the sport as too boring, especially compared to faster-paced ones. Marshall McLuhan declared, "Baseball is doomed. It is a dying sport."Today, the sport is at a crossroads again, with strikeouts outnumbering hits this year for the first time, and too many plays ending in the dreaded "three true outcomes" -- strikeouts, walks and home runs -- where there's no action on the field. Baseball's leaders recognize that change is needed, and hopefully they will follow through as their predecessors did a half-century ago.The '68 season was truly the ice age of modern baseball. MLB players combined?to hit just .237, the worst in baseball history, and seven teams batted .230 or lower. (By comparison, this year's collective batting average was .248.) The New York Yankees hit a baseball-worst?.214 and still managed to have a winning season. Don Drysdale of the Los Angeles Dodgers threw six consecutive shutouts and broke Walter Johnson's 55-year-old record by tossing 58 and two-thirds consecutive scoreless innings.Drysdale was the winning pitcher in the All-Star Game, which the National League won by a typical 1968 score of 1-0. The sport's best hitters managed just eight hits that night while striking out 20 times.Baseball drew barely 14,000 fans?a game that season, and even some of the players' family members were yawning at the lack of action, as the Washington Post described that summer:"I think everyone would like to see more of the spectacular things you used to see in baseball: the base stealing, the arguments with the umpire, people screaming, 'throw the bums out,'" said Liz Peterson, wife of Washington outfielder Cap Peterson, who stole just two bases that year while batting .204. "That's when the game is fun."A lot of people today would like to see more base stealing, which has gone out of fashion, along with other exciting plays on the decline as players too often swing for the fences. Former player and manager Dusty Baker, who broke into the majors in '68, spoke for many when?he told Ken Rosenthal of the Athletic:"The game is getting so slow. And it's not exciting. What happened to the triple? Scoring from first on a double or a long single, running 3-2. I think the game is going to come back. It has to come back."Ted Williams made a similar prediction after baseball enacted changes to the sport in December 1968. Williams took over as manager of the Washington Senators the next season, and at spring training that year, a young reporter named Ira Berkow asked him: "Is Baseball doomed?"Williams replied: "There's no question about it, baseball is not as popular as it was 10 years ago. But games go in cycles. Baseball is down now, but it'll come back." And of course, that proved to be true, but it took some corrective action to make it happen.By midsummer 1969, Sports Illustrated declared that Baseball Booms Again. That season featured the Miracle Mets winning the World Series, and a minor miracle in Washington, where Williams led the second Washington Senators franchise to its only winning season.Across baseball, runs increased and strikeouts waned, increasing action, just as the owners had wanted. Now, we need that same upswing.Purists might object to tinkering with the sport, but isn't the more radical change continuing down a sclerotic path where more and more of the action is no action? Baseball can be an exciting game, and there's nothing wrong with the national pastime that some extra balls in the gap, stolen bases, and movement on the bases can't fix. 6039

could soon be in the works between General Motors and the United Automobile Workers (UAW) Union.UAW sources say there is no tentative agreement at this time and talks will resume at 8 a.m. ET Tuesday. Sources won't speculate as to whether the union is close to a deal with GM, and they say the Union Council will meet to give input on issues involved in the talks if there is no agreement by Thursday.The Union Council is made up of GM-UAW local presidents, chairpersons and other local leaders. from 10 states where GM has union operations. UAW has sent out a call to ask all members of the Council to be in Detroit on Thursday for a vote in case a tentative agreement is reached.The council meeting is set for 10:30 a.m. ET Thursday at the Marriott Hotel inside the Renaissance Center.The letter says the agenda includes a "contract update" and any other agenda items to be determined.There is no word on a tentative agreement, but the letter could signal one is close.The Council could also vote on whether to continue the strike until a ratification vote of the rank and file is completed. 1096