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Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

For frontline healthcare workers battling COVID-19, the hospital can feel like a war room. Patients are in need of quick help. Some face life-threatening symptoms that need immediate care. Some cannot be saved.They are split-second decisions that have to be made as more patients funnel into hospital beds, and the effects can weight heavily on those tasking with making them.“The mental health symptoms tend to peak about 12 months after the actual event,” said Dr. Chris Thurstone, director of behavioral health at Denver’s largest hospital, Denver Health.In January, a few months before the pandemic hit, Denver Health implemented a program developed at Johns Hopkins called Resilience in Stressful Events (RISE) to help its employees deal with burnout symptoms, unknown to the influx that was to come.In the first few weeks of the program, the hospital’s drop-in center saw around 30 hospital employees a day. Now, months into the pandemic the same drop-in center is seeing more than 300 hospital employees a day.“[Frontline healthcare workers] describe it as this different of burnout than they’ve felt before,” said Dr. Thurstone.“We’re certainly seeing increased rates of people who are struggling and having a difficult time,” added clinical psychologist Dr. Thom Dunn.It is an unprecedented challenge among doctors, nurses, and other hospital staff that is not only being felt in the United States but globally.Researches in Wuhan found 30 to 50 percent of healthcare providers were in a burnout stage before COVID-19. Now, that number is up to 75 percent of healthcare providers.“Depression, anxiety, insomnia, substance use: those are the four things we watch out for,” said Dr. Thurstone. “As things start to settle down and people actually get a chance to breathe and think and be themselves again, they might notice that they’re not completely themselves.”The RISE program offers counseling and an area for frontline workers to take a load off, through board games and other activities that could help ameliorate the stressors they are experiencing elsewhere in the hospital.At Denver Health, calls into RISE have increased tenfold as well, proving that once COVID-19 becomes manageable, another epidemic may soon start to emerge.“We can’t just get through COVID and then pretend nothing happened,” said Dr. Thurstone. “This is placing a stress and strain on every human being, and healthcare workers are human beings and no exception.” 2458

FORT MYERS, Fla. -- A driver narrowly missed hitting a deputy on a traffic stop Tuesday, instead rolling over their vehicle in an effort to avoid hitting him.The whole crash was caught on dash cam video.On Tuesday afternoon, Eddy Ramos was driving when the rollover happened in front of him.His video shows an SUV in the northbound lanes swerve past the deputy who was stopped on the right shoulder.  The SUV veered left and rolled over across the median, coming to a stop upside down in the southbound lanes.Thankfully the SUV's driver appeared to be uninjured as she climbed out the driver side window.No word on whether any charges were filed. 659

Florida school shooter Nikolas Cruz appeared in court on Friday and waived his right to a speedy trialCruz sat mute at the defense lawyers' table with his head bowed during the brief hearing in Fort Lauderdale.Cruz waived his right to a speedy trial through his attorney Melisa McNeill. Broward County Judge Elizabeth Scherer scheduled the next hearing for 1:30 p.m. May 25.No trial date has been set."I don't want this case treading water," Scherer said.Cruz faces 17 counts of premeditated murder and 17 counts of attempted murder. He killed 17 students and faculty at Marjorie Stoneman Douglas High School in Parkland on February 14 in one of the deadliest mass shootings in modern US history.Cruz, 19, was arrested shortly after the shooting and has confessed to being the gunman, court documents show.A judge entered a plea of not guilty on Cruz's behalf when he was arraigned in March after his attorney told the judge the teen was standing mute to the charges, meaning he was declining to enter a plea.Prosecutors had said they intended to seek the death penalty for Cruz, saying the shooting was "especially heinous, atrocious or cruel."Cruz's defense team has said there is no question he did it, and he's willing to plead guilty to avoid the death penalty.Defense attorney Howard Finkelstein said he would prefer his client take a plea and serve 34 consecutive life sentences, one for each of the counts on which Cruz has been indicted.The prosecution had expressed frustration after listening to the defense's request."The state of Florida is not allowing Mr. Cruz to choose his own punishment," Assistant State Attorney Shari Tate told the court at a previous hearing.Scherer has received mail asking her to show mercy to Cruz. A three-page letter from a Minnesotan called the shooter "a vulnerable and disabled little boy inside a teenager's body."More pieces of sympathetic mail from all over the United States and Europe have arrived at the county jail where Cruz is being held, according to the Broward County Public Defender's Office.Cruz appeared at a hearing on April 11 as a probate judge tried to determine whether taxpayers will pick up the tab for the teen's defense or he can pay for his defense.The-CNN-Wire 2240

For the last two decades, support for marijuana has steadily grown. A record 66 percent of respondents in this year's Gallup poll say they support legalizing cannabis, up from 64 percent last year."I think a lot of consumers are coming out of the shadows, and they just feel more comfortable talking about cannabis, learning about cannabis,” says Trey Fisher.Fisher, with Medicine Man dispensary in Denver, Colorado, says particularly of note in 2018, is the emerging client base of women and the elderly. "The elderly, they're just looking for relief,” explains Fisher. “They're just looking for a product that works, and they don't care about the social stigma anymore."Individual dispensaries are certainly seeing growth, but industry insiders say the pot business as a whole is still being held back."It’s still completely illegal under federal law, and that's sort of putting a damper on the whole industry,” says Raza Lawrence, a cannabis law attorney.Lawrence specializes in helping entrepreneurs obtain cannabis licenses. He says if the U.S. would follow Canada in decriminalizing pot on a national level, the business would explode.  “Once that changes, you're going to see a lot more corporations starting to jump into the fray, and its gonna look a lot more like other types of industries," Lawrence says.Both Lawrence and Fisher say that could happen soon, and they believe the move in Canada could put even more pressure on U.S. lawmakers."I think Canada is gonna really expedite that process a little bit," says Fisher. 1556

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