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First Baptist Church of Sutherland Springs, Texas will be demolished.That information came from the Southern Baptist Convention after its leaders met with Pastor Frank Pomeroy in Sutherland Springs on Nov. 7. The church was the site of a mass shooting that claimed the lives of 26 of the church's parishioners on Nov. 5.The shooter also died that day.Pomeroy and his wife were not in church on the day of the shooting, but their 14-year-old daughter was there, and she was killed. The gunman began unloading 450 rounds from outside of the building before he entered and began shooting with an assault rifle. 620

For years Rachel and Greg Osterland have decorated their Wadsworth to look just like a famous one— the Griswold’s house from "National Lampoon’s Christmas Vacation." The home has become a must-see for families across Northeast Ohio during the holiday season. On Friday, the family held the official lighting of the home. Typically, the family hosts a crowd of spectators but this year, because of the COVID-19 pandemic, the event was virtual. The Osterlands lit their home just before 7 p.m. Watch video from the event in the player below: 549

For many 5-year-old kids across the country, kindergarten is an exciting first introduction into the classroom. But this year, schools are grappling with growing COVID-19 cases and declining kindergarten enrollment numbers."In terms of our kinder cohort, we usually have about 23,000 students registered in Miami-Date County schools for kindergarten. Right now, as of this week, we have a total of 14,724 registered already for next year," said administrative director Berena Cabrera, with Miami-Date County Public Schools in Florida.Cabrera says the district is tackling a 40-percent decline in kindergarten enrollment, and other public schools across the country are dealing with a similar situation.At Visalia Unified School District in central California, kindergarten enrollment is down by 15 percent. At Poway Unified School District, near San Diego, they're seeing 5 percent less kindergarten students enrolling. Fulton County Schools in the Atlanta, Georgia area reports 12 percent less students are enrolled in kindergarten for the upcoming school year."Kindergarten is critical. It is the foundation of a successful student. And in Florida, it is mandatory for students to start kindergarten," said Cabrera.While kindergarten isn't mandatory in all states, educators agree it's an important beginning to a student's education. Rising coronavirus cases in communities combined with public schools having to tackle the virus head-on, has prompted some parents to turn to private kindergarten.Primrose Schools, which offers private daycare, preschool and kindergarten at more than 400 locations across the country, says they've seen a massive increase in interest, especially for those parents whose local districts are offering a virtual-only program this fall."Many of the working parents, obviously, they’ve got to have childcare. Where they would have had before and after school care now they're going to need full day. So, what we’ve seen is our schools responding rapidly by many of them opening up classrooms to kindergarten programs," Jo Kirchner, CEO of Primrose Schools, said.Kirchner says some of their locations are adding kindergarten classrooms to accommodate the increased interest. Their schools offer a 1:10 teacher to student ratio, plus heightened sanitation protocols."Even the parents who stay home with their children, who now find themselves virtual versus sending them to school, don’t really have the skill sets to provide the academic learning support the children need,” Kirchner said. “Kindergarteners have a fairly short attention span so distance learning is not the best environment for a kindergartner.”While kindergarten families across the country consider their options, Miami-Dade County Public Schools is converting a lot of their enrollment from paper to digital. Additionally, they're doing a big push on the district's website and social media."We’re hopeful that registration does pick up in the coming weeks. We are rolling out with a major marketing campaign, and we’re trying to let the parents know that there are staff in our schools that are registering," said Cabrera.Cabrera adds, whether kindergarten is in-person or remote learning this fall, she hopes parents will enroll their children for this crucial first start to their academic career. 3309

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

Florida Secretary of State Ken Detzner announced that archeological investigations found a 7,000-year-old Native American ancestral burial site in the Gulf of Mexico near Venice, Florida.“The Florida Department of State takes our responsibility for the preservation, respectful treatment and security of this rare and unique site very seriously,” said Secretary Detzner. “Our dedicated team of underwater archaeologists has done an incredible job of documenting and researching the Manasota Key Offshore archaeological site, and I am extremely proud of the work. Our hope is that this discovery leads to more knowledge and a greater understanding of Florida’s early peoples. We are thankful for the cooperation of our partners, including Gulf Coast Community Foundation and their CEO, Mark Pritchett, who has provided invaluable support and integration with the local community.”The Manasota Key Offshore (MKO) site is reportedly unprecedented and is located on the continental shelf in offshore waters, preserved in what appears to have been a peat-bottomed freshwater pond thousands of years ago.The state says that out of respect for the individuals buried there and their living descendants, divers are restricted from disturbing the site.Officials say the MKO archaeological site demonstrates that submerged offshore archaeological sites have survived natural occurrences, such as erosion and hurricanes.“Seeing a 7,000-year-old site that is so well preserved in the Gulf of Mexico is awe inspiring," said Dr. Ryan Duggins, Underwater Archaeology Supervisor for BAR. "We are truly humbled by this experience.  It is important to remember that this is a burial site and must be treated with the utmost respect. We now know that this type of site exists on the continental shelf.  This will forever change the way we approach offshore archaeology. As we continue to learn as much as possible from the site, we look forward to sharing that knowledge with the people of Florida.” 2003