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New plans for student loan debt forgiveness are being proposed as President-elect Joe Biden prepares to take office in just a few weeks. Many of those with student loans, as well as many economists, are hopeful some form of student loan debt forgiveness will pass.“I think it is one of the most accessible ways President-elect Joe Biden has to stimulate the economy,” said Suzanne Kahn, director of education, jobs, and worker power at the Roosevelt Institute in New York.In an interview covering the possible benefits of student loan debt forgiveness, Kahn explained the two ways in which the Biden can get the debt forgiven. One, he can push for Congress to include this debt relief in the next stimulus package, or two, he can take executive action. Either option could eliminate student loan debt for roughly 15 million borrowers and reduce the debt of another 30 million Americans.The president-elect is currently focused on pushing for ,000 to be forgiven in the next stimulus bill and has not said if he would actually consider executive action. However, he has also not refuted that option either.The latter option is certainly the more controversial way to get this debt forgiven, although many Democrats argue it is still legal and fully within a president’s power to do so. Many high-ranking Democrats in Congress explain Biden would have the authority to do this through the Higher Education Act.Experts like Kahn believe it is more likely that Congress will not agree on any amount of student loan debt forgiveness and Biden will take executive action.“I think that it is through executive action, or at least the first movement we see around it will be executive action,” said Kahn. “That really is because the federal government owes 95 percent of student debt, and the Secretary of Education has the ability to cancel it.”“My stance is that it is not inevitable,” said Neal McClusky, director of the Center for Educational Freedom at the Cato Institute.McClusky believes a third option is that no form of student loan debt forgiveness is passed, while he concedes there is a chance that Biden could issue an executive order forgiving student loan forgiveness. However, he also points out that option could be challenged in the courts with some questioning his authority through the Higher Education Act.“There seems to be straws that he can grab and say, ‘Look, this gives me the authority to just write off this debt.’ Other people say it is not clear in the law that he can do that,” said McClusky. “So, what would be the most likely outcome is that he would try. If he were to try and cancel student loan debt through executive action, it would end up in court and would be a pretty long court battle.”So, at the end of the day, where do we really stand with student loan debt forgiveness? The consensus is that it is more likely than ever before that some form of student loan debt will be forgiven, but we’re still nowhere close to a guarantee that will actually happen anytime soon.“I don’t think it is inevitable, but I do think it is important that it is on the table,” said Kahn. 3115

NEW YORK (AP) — As monuments, statues, and memorials around the world come under increased scrutiny, some former Most Valuable Players in Major League Baseball are saying they'd like to see a change in future MVP plaques.The trophy is engraved with the name of Kenesaw Mountain Landis in large letters. Landis was baseball's first commissioner and there were no Black players in the majors during his reign from 1920 until his death in 1944. His name has been on every American League and National League MVP plaque since then. Barry Larkin, Terry Pendleton, and Mike Schmidt say they'd like to see it pulled off. 621

NOGALES, AZ - JANUARY 21: The U.S.-Mexico border fence stretches into the countryside on January 21, 2014 near Nogales, Arizona. (Photograph by Charles Ommanney/Reportage by Getty Images) 195

NOAA is predicting about a 70 percent chance of El Ni?o conditions to develop during the 2018-2019 winter. So, if frigid temperatures and lots of snow are not your thing, then this may be good news for you.  El Ni?o is the warm phase of a climate pattern across the tropical Pacific. The pattern can erratically shift back and forth every two to seven years, which triggers disruptions of temperatures, precipitation and winds.  These changes cause large-scale air movement in the tropics but have global effects.  537

NEWTON, Mass. – As eviction moratoriums end across the country, homeowners and renters are facing a crisis. Many are on the verge of homelessness as cities and towns scramble to distribute what little federal emergency funds they have left.Amanda Berman is the Director of Housing and Community Development in Newton, Massachusetts, a wealthy suburb near Boston. But even some of the nation's wealthiest cities are realizing their residents are not immune from economic impact of the pandemic.“This was there all along. We’ve been having a housing crisis forever. This is exposing how deep the cracks are,” Berman said.With help from the CARES Act, Newton was able to secure million in emergency housing funds. To spread the money out as best they could, the city decided to assist people in low-income housing with 70% of their rent. At least 170 families have been helped in the last two months.“You fight and fight to get ahead and something like this throws you back really far,” Berman added.Nationally, 20% of households missed their rent payments last month. Housing experts say that number is likely to skyrocket in September as extra unemployment funding and rental assistance money disappears.“The real estate industry will go through massive changes here in the next few months,” said Jeff Larabee, who has an apartment complex he rents out.He's had some tenants simply move out because they’ve lost their jobs and can’t pay rent, which has left him concerned about making mortgage payments.“I think there’s going to be a lot more homelessness, I don’t know how we're going to make all the mortgage payments,” he added. 1641