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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

Community Advisory:I have been informed of an unoccupied vehicle that fell into a large sinkhole in #Maspeth. (1/3) pic.twitter.com/befhoLtlvY— Robert Holden (@BobHoldenNYC) November 26, 2020 199

CVS says they are planning to expand their COVID-19 testing services.On Wednesday, the pharmacy chain announced that it would add rapid-result COVID testing at nearly 1,000 sites by the end of the year."Access to rapid-result tests enables us to help minimize community spread of COVID-19 by being able to more quickly identify active COVID-19 infection," said David Fairchild, MD, Chief Medical Officer, MinuteClinic in a press release. "In addition, we can test and treat symptomatic patients who test negative for COVID-19 for seasonal illnesses such as flu or strep and provide appropriate treatment and care."CVS said starting this week nearly 100 of the rapid-result test sites will be operational.If patients meet the Centers for Disease Control and Prevention criteria, the tests would be made available at no cost.Currently, CVS manages more than 4,000 drive-thru test sites in 33 states and Washington, D.C., with results coming back within 2-3 days.To schedule an appointment, you must register in advance at CVS.com. Tests are available for patients between 12-17 years old. Anyone younger than 15 must have the online registration completed by a parent or legal guardian, who also must accompany them for testing. 1234

CORONADO, Calif., (KGTV)— Coronado residents are split on whether a fenced-in, off-leash dog park would be a welcome addition, next to a childcare facility and the Coronado School District building. The district office is located on 6th Street, just east of Naval Air Station North Island. Coronado’s famous dog beach is where dogs can be dogs: run freely on the sand, splash around, and play with their humans. But soon, something similar could be coming about a mile north on the island. Last week, the Coronado Unified School District and the City of Coronado announced that they are negotiating changes to their Facilities Joint Use Agreement. A portion of the 3/4 acre grassy area, between the district office and the childcare facility on 6th Street could be converted into a fenced-in dog park.“I think a lot of the homeowners and parents were blindsided by this,” Emily Foster said. Foster lives across the street.  The mother of three small children believes having a portion of the grass become a dog park would be unsanitary.“We’re concerned about run-off through the shared sprinkler system of animal waste,” Foster said. “We’re concerned about fleas and ticks.” With a smaller space, Foster believes her kids will not be able to play like they once did. No more Jog-athons. No more parachutes. No more fun.“It’s the only grassy area where Village Elementary kids have for PE and recess,” Foster said. “Everything has been replaced by blacktop or artificial turf.”The school district’s proposal explains that the dog park will only be one-third of the entire green space, about one-quarter of an acre, with the entrance on the school district side. A double fence will separate the children's green space from the dog park. Plus, the City of Coronado will contribute ,000 to the district every year to maintain the area. That money will go directly back to Coronado kids.“If the elected officials of the school board didn’t think this was in the best interest of the students, I don’t see that they would be doing this,” Holidais Moreira said. Moreira has been working for two years to get a fenced-in dog park in the city, especially for her 13-year-old rescue, Happy Kapi. Kapi’s joints are not what they used to be, so the dog beach is not an option. A ride to the Cays dog park is not far. But she said she would rather take her dog to a dog park that is fenced-in.The district is now asking Council for a one-year trial period to evaluate the use of impact on the community.“Every park allows children. Not every one allows dogs,” Moreira said. “As a resident and a taxpayer, I see no reason why those of us who have dogs should not have the same rights as the other people who have kids and think those parks should be only reserved for children.” “People of Coronado want a dog park, a safe place that their dogs can run and play,” Foster agreed. “But we should look at other options in the city where that can happen, where it’s not a detriment to the children.”The Coronado City Council will be discussing the issue at their next council meeting on Tuesday, August 21 at 4 pm. 3193

Congratulations to President-elect Biden. Everyone should want our president to succeed because we need our country to succeed. We have great challenges ahead of us as a country. Now more than ever, we need to come together as Americans.— Governor Larry Hogan (@GovLarryHogan) November 7, 2020 301

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