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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CINCINNATI — Linda Zgoda has been volunteering at Hamilton County polling places for more than 20 years. She said it's important to her."I feel like to have honest elections, you have to have good officials," Zgoda said. "I feel like it's a civic responsibility for people to work at the polls."She pays close attention to details."It was initially when we had the signature poll book that I became aware that my neighbor was still on the rolls," she said. "Then after it had been on for so long, I became curious about it."The curious thing, in this case, was the fact that her neighbor had been dead for 14 years."I'm concerned that by someone being on the rolls, someone could improperly vote in their name," Zgoda said.She contacted the Hamilton County Board of Elections and was told a family member needed to turn in her neighbor's death certificate to have that person removed."Since this has been brought to our attention, we did more research, and we've been able to obtain some more identifying information, and that person has now been canceled," Hamilton County Board of Elections director Sherry Poland said.Poland said the state and county usually do a more thorough job of removing deceased voters from the rolls, but this time was different."We did receive a deceased Ohioans report at that time (in 2004), and (it) included his name but didn't include his address," Poland said. "The report did have a date of birth, but we didn't have a date of birth on file."Poland said her office has about 790 Hamilton County voters who don't have their date of birth or identification on file because those people registered at a time when they didn't have to give that information.When asked if there might be more deceased voters on the rolls that the state might have missed, Poland said that she thought it was highly unlikely because more identifying information is required from voters now.She said that no one tried to vote under the name of Linda Zgoda's deceased neighbor in the time that it had incorrectly been listed on the rolls.The Hamilton County Board of Elections is working to get more identifying information from all voters in the county, she added. 2198

Conservatives now hold a decisive edge on the Supreme Court after the Senate voted in a near party-line vote on Monday to confirm Amy Coney Barrett to the highest court in the US.Republican-nominated justices hold a 6-3 advantage on the Supreme Court, three of whom are appointees of President Donald Trump.Trump hosted a swearing in ceremony at the White House nearly an hour after Monday's confirmation vote. Justice Clarence Thomas swore in Barrett.The lone dissenting vote came from Republican Susan Collins of Maine, who is facing a tough re-election bid for her seat. Collins expressed concern of holding a confirmation vote just eight days before the US presidential election. Also, one-third of all US Senate seats are up in next week’s election."Today, Monday, October 26, 2020, will go down as one of the darkest days in the 231-year history of the United States Senate," Senate Minority Leader Chuck Schumer said. "Let the record show that tonight the Republican Senate majority decided to thwart the will of the people and confirm a lifetime appointment to the supreme court in the middle of a presidential election after more than 60 million Americans have voted."In 2016, Republican senators opted not to consider President Barack Obama’s nomination of Merrick Garland to the court after the death of Antonin Scalia in February of that year.Senate Majority Leader Mitch McConnell defended his caucus' vote amid election season."In another political age, Judge Amy Coney Barrett would be getting 70 votes or more in the US Senate because of her qualifications," McConnell said. "In a different era. Now, we know that's not going to happen. These are not the days when Justice Scalia was confirmed 98-0 and Justice Ginsburg was confirmed 96-3. And by the way, I voted for both Ginsburg and Breyer. Seems like a long time ago now."In her swearing in ceremony, Barrett described the political battle during her confirmation. "I have spent a good amount of time over the last month at the Senate, both in meetings with individual senators and in days of hearings before the Senate Judiciary Committee," Barrett said. "The confirmation process has made ever clearer to me one of the fundamental differences between the federal judiciary and the United States Senate, and perhaps the most acute is the role of policy preferences." 2345

Companies can stop collecting employees’ payroll taxes starting Tuesday, September 1, after an executive order in early August gave workers a tax holiday.The deferral of payroll taxes applies to employees making less than 4,000 a year. Employees are taxed 6.2 percent that goes toward the Social Security Trust Fund and another 1.45 percent for Medicare.It’s a deferral because the payroll taxes are still due to the IRS by April 30, 2021, which they made clear in new guidance released last week with the US Treasury Department.What this means to employees: It depends on your employer. Starting September 1, employers can stop withholding taxes, but many business leaders have said they will not since the taxes will eventually be due. The decision is up to each company and is not required.If a company stops withholding payroll taxes, employees will have more money in their paychecks through the end of the year. Then on January 1, companies will need to withhold more from paychecks to collect all that is owed in April 2021.For employees making ,000 a year, the elimination of Social Security taxes would result in an extra per paycheck every two weeks. Assuming the employee has eight paychecks left in 2020, that would result in 2 in taxes deferred in 2020, which would be repaid in 2021. For employees making ,000 per year, those figures would be doubled.If an employee leaves their job before all of the appropriate taxes are collected, the guidance only states that companies can "make arrangements to otherwise collect the total applicable taxes from the employee."President Trump has stated he would “terminate” the tax if he was elected in November. However, the president does not have the ability to do that on his own. Abolishing payroll taxes requires an act of Congress. 1814

CORONADO, Calif. (KGTV) -- A driver was detained late Tuesday evening after military officials said he tried to enter Naval Base Coronado property without authorization.The incident occurred at around 10:15 p.m. at the Stockdale Boulevard gate at Naval Air Station North Island, near Third Street and Alameda Boulevard.Kevin Dixon, with Naval Base Coronado Public Affairs, said a vehicle tried to enter the base but was stopped by barriers.Dixon confirmed the driver was detained, but no other information on the incident was released.The investigation forced the closure of the gate for several hours.There were no reported injuries to any military personnel. 668