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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

FREDERICK, Colo. – Now that Chris Watts has been formally charged with killing his pregnant wife, Shanann Watts, and their two daughters, Bella and Celeste, he will spend at least the next three months in jail while he awaits a Nov. 19 status conference.Police and prosecutors have confirmed many of the details of the case that have been previoously reported.Here’s a look back at everything we know about the case so far: 431

Florida Democrat Sen. Bill Nelson called Wednesday for a recount in his race for re-election against Republican Gov. Rick Scott.In a statement from Nelson's office, the longtime incumbent said Scott had prematurely declared victory in the race, which CNN has not yet called.In Florida, an automatic recount is triggered when the final margin is less than .5% and are not triggered by candidate requests. Votes were still being counted Wednesday morning, but Scott's lead was within that margin, according to CNN projections. The initial vote count won't be finalized until Saturday at noon. 598

For the most part, we've already been sheltering in our homes as we all try to get a grip on the pandemic. And this holiday season, which started Thursday with the first day of Hanukkah, families are looking for ways to make it special.Rabbi Robert Nosanchuk says his team is helping families celebrate Hanukkah safely at home through live stream services online.“Many participants will light candles together on Zoom. So, we'll literally light up the internet,” Nosanchuk said.And while you may not be able to give gifts in person this year, you can still offer the traditional monetary Hanukkah gift virtually.But this year, Nosanchuk is asking families to focus ways to build a more peaceful and just society.“Whatever faith you may be representing, I hope you'll know that your Jewish neighbors are holding their Hanukkah menorah by the window to publicize that miracles do happen,” Nosanchuk said. “I pray strongly that we'll all be healed. We'll feel well in the new year.”This story was originally published by Taneisha Cordell at WEWS. 1051

Florida is racing to refill its drained gas stations to allow millions of residents to return to their homes following mass evacuations caused by Hurricane Irma.Historic demand for gasoline sparked major gas shortages in the days before Hurricane Irma struck Florida over the weekend.At least 60% of the gas stations in Miami-Fort Lauderdale and Gainesville are without fuel, according to estimates on Monday morning from crowdsourcing platform GasBuddy. Roughly half of the gas stations in Jacksonville, Tampa, West Palm Beach and Fort Myers are also empty after Floridians took to their cars to flee the path of the storm.These widespread gasoline outages threaten to make life even more difficult for Florida residents as they try to return home to see if their property suffered damage from Irma's powerful winds and storm surge.The big key to fixing the gas shortages will be getting Florida's ports reopened to receive fuel shipments. Florida has few refineries of its own, making it reliant on tankers and barges to meet virtually all of its huge appetite for fuel.Hurricane Irma forced the closure of most major Florida ports as of Friday evening. The ports are unlikely to reopen until Tuesday at the earliest, according to Goldman Sachs. That suggests just a "gradual" restocking of Florida's gasoline supplies, the investment bank wrote in a research report on Monday."Without the ports, there's no fuel flowing. It's likely the number of gas outages will rise before they start falling," said Patrick DeHaan, senior petroleum analyst at GasBuddy.Related: The costliest natural disasters in U.S. historySignificant damage to major ports could further complicate matters. Hurricane Harvey forced the shutdown of the Port of Corpus Christi in Texas for a record six days -- and other ports faced restrictions that delayed shipments.However, Florida appears to have avoided the worst-case scenario that Irma threatened. That suggests Florida's ports may recover faster than Texas ports did."My hunch is those gasoline outage numbers are going to drop very, very fast. By next week, things should be very close to normal," said Tom Kloza, global head of energy analysis at the Oil Price Information Service.Port Tampa Bay, the state's largest port, only suffered "very minimal" damage, port officials told CNNMoney. While Port Tampa Bay remains shut to vessels until the Coast Guard approves its reopening, on Monday morning petroleum trucks were approved to resume transporting fuel from the port."It's a small miracle," Paul Anderson, the port's president, said in an interview. "I can't tell you how relieved we are that we're not in a full-blown recovery. It could have been weeks of repairs."Port Everglades, located in Fort Lauderdale, said in a statement on Monday that it is assessing damage and plans to reopen to vessels following approval from the U.S. Coast Guard. The port accounts for one-fifth of Florida's energy requirements and receives more than 12.5 million gallons of petroleum products each day.Unfortunately, recovery efforts could be hampered by Hurricane Jose, which could move near Florida later this week."The window to make repairs or get deliveries may be quite small" due to Hurricane Jose, said Hillary Stevenson, director of oil markets at research firm Genscape.Related: Hurricanes will probably hurt the economy, but not for longOther logistical challenges stand in the way of restoring Florida's gas situation, especially widespread power outages that have left some gas stations in the dark."We need to get their power restored in order for the fuel to begin running in their pumps," said James Miller, director of communications for the Florida Petroleum Marketers and Convenience Store Association.Some gas stations may have also suffered damage from the hurricane, while others could be blocked by road closures.Florida officials scrambled before Irma hit to ease the gas shortage. The state's ports prioritized fuel shipments and Governor Rick Scott provided police escorts to tanker trucks. Scott also encouraged gas stations along evacuation routes to stay open late by offering gas station workers police escorts to make sure they got out before the storm hit.The federal government has offered assistance as well by waiving restrictions on the types of cargo ships that can deliver fuel and on the types of fuel that can be used in Florida and other states.The-CNN-Wire 4428