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President Donald Trump says he hopes he can end birthright citizenship in the United States with an executive order, according to an interview with Axios.In a minute-long preview of Axios' upcoming HBO series, Trump tells Axios reporter Jonathan Swan that it's "ridiculous" that any child born in the United States is automatically granted citizenship."We're the only country in the world where a person comes in, has a baby and the baby is essentially a citizen of the United States for 85 years with all of those benefits. It's ridiculous and it has to end," Trump said.Trump also stated that he believes the statute could be overturned by an act of Congress, though he's confident an executive order would be sufficient. Should he pass such an order, it would no doubt set up another high-profile fight in federal court.  837

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

RED BLUFF, Calif — Two people were left dead and at least four people were in fair condition Saturday after a man drove into a distribution center and started shooting at people. The two deceased people and the four injured ones were treated at St. Elizabeth Community Hospital in Red Bluff. Authorities shot the man. Emergency dispatchers told the Record-Searchlight newspaper that the shooting by a man with “AR-type weapon” started about 3:30 p.m. at the Walmart distribution center. Dispatchers say there also was a fire at the site, and the suspect appears to have rammed a vehicle into the building. The suspect had been shot in the chest around 3:45 p.m. 669

Recently, 90 million people had their Facebook account’s breached. Many are still trying to log back into their page, but are unsuccessful in their attempts. Cyber experts say you should first focus on protecting your personal information that could have been compromised. Tekesha Saffold realized her account was breached when she logged in, but soon realized it wasn’t her account. She reached out to Facebook by phone, but she got an automated recording directing her to their troubleshooting page online. “I have no access to my account at this point, and it has all my information in it,” Saffold says. Saffold completed the steps Facebook told her to take in order to gain access back into her account, but it didn’t work.Cyber expert Fred Kneip, with Cyber GRX, says the most important thing to do is figure out what other accounts you sign into using your Facebook credentials. “The first things hackers do is take those passwords or credentials,” he explains. Hackers try to apply those passwords to banking sites and healthcare sites to get more information, and ultimately, steal your identity. That’s why Kneip says to focus on your passwords.“If you are updating your passwords and using unique passwords, that’s the safest way to address this,” Kneip says.He also suggests turning on the dual-factor notification on Facebook. It sends you a text with a set of numbers you have to plug into get into your account, along with your password. He says it’s twice the protection.   1592

President Donald Trump says he will unveil his nominee to replace Supreme Court Justice Ruth Bader Ginsburg on Saturday.Trump tweeted Monday that he will announce his nominee at a White House press conference Saturday at a time to be determined.During an appearance on Fox & Friends on Monday morning, Trump hinted that his nominee could be coming "Friday or Saturday." At the time, Trump said he wanted to pay respect to Ginsburg.Ginsburg will lie in repose at the Supreme Court building on Wednesday and Thursday and will lie in state at the Capitol Building on Friday. She will be buried early next week in a private ceremony at Arlington National Cemetery, days after Trump announces her replacement.Democrats say whoever wins the 2020 presidential election should chose Ginsburg's replacement. In 2016, Republicans blocked President Barack Obama's nominee to replace Supreme Court Justice Antonin Scalia for nine months, saying that Americans should decide who nominates his replacement.Sen. Lindsey Graham, the chairman of the Senate Judiciary Committee, said Monday that Republicans have the votes to confirm Trump's nominee before the 2020 election. 1169

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