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It's been five months since a federal court ordered Education Secretary Betsy DeVos to give defrauded student loan borrowers relief, but more than 100,000 people are still waiting to hear whether their debt will be canceled.The Obama-era rule, known as Borrower Defense to Repayment, allows students who believe they were defrauded by their college to apply for loan forgiveness. The idea is that if they didn't get the education they were promised, they shouldn't have to pay back their debt.The number of these applications soared as the Obama administration cracked down on for-profit colleges. Sometimes nursing students, for example, found out after finishing their program that it didn't have the right accreditation -- keeping them from getting a job.As of last fall, more than 200,000 people had applied for loan forgiveness, a majority of whom went to for-profit colleges. Nearly 48,000 received debt relief and 9,000 have been denied.But no applications were processed between June and September of last year, the most recent data available, as the administration fought implementing the rule. But they continued to pile up. The department received an additional 35,000 claims during that time period.An Education Department spokeswoman did not respond Monday to questions about how many claims had been processed since the October ruling ordering the administration to move ahead with loan forgiveness.In December, the department announced that it would begin canceling loans for borrowers eligible for a specific type of loan cancellation. There is an automatic loan discharge for those whose schools closed while they were enrolled.As of March 1, the department has forgiven more than 8 million in debt to about 16,000 borrowers that qualified for a closed-school discharge, according to data the National Student Legal Defense Network obtained from the Department of Education in connection with a lawsuit. The group sued the department in November for allegedly continuing to collect on these loans.In a lot of these cases, the government eats the cost. Only federally-backed loans are eligible for forgiveness. About half of the debt forgiven was owed by borrowers who attended one of the now defunct for-profit Corinthian Colleges.But those borrowers who aren't eligible for the automatic discharge are still waiting to hear the verdict on their claim. They typically are required to show that the school misled them, by presenting them with inflated job placement rates, for example."We are not aware that any more claims have been processed," said Adam Pulver, an attorney at the advocacy group Public Citizen, which has brought a case against the department over the delay of the rule.Neither of his clients have received an update on their pending claim for loan forgiveness, he said.The department took a step toward fully implementing the Borrower Defense rule earlier this month when it issued guidance to schools about how the rule -- which also bans colleges from requiring students to sign mandatory arbitration agreements -- would be implemented.DeVos, who's been criticized for siding with for-profit colleges, pressed pause on processing the claims after a group representing for-profit colleges in California sued the agency seeking to block it from taking effect.Democratic attorneys general from 18 states and Washington, DC, sued the department over the delay in 2017, tying the rule up in court for more than a year. In September, the judge ruled in favor of the states, calling the department's delay "arbitrary and capricious," and ordered immediate implementation of the rule in October. DeVos has called the rule "bad policy" and has directed the department to rewrite it. The agency has proposed offering partial loan forgiveness for qualifying students, based on the income of their peers who attended similar programs at other colleges.Abby Shafroth, an attorney at the National Consumer Law Center, said she is worried a new rule could retroactively change the process for seeking relief."I have a number of clients who have been waiting since 2016 to hear about their application -- and still nothing from the department, no time line. It can feel like those applications were sent into a black hole," Shafroth said. 4275
In recent years, healing and meditation has become an important part of Janea Escobedo’s life.“It’s just very relaxing to be under the trees to watch the leaves, and hike around to see the wildlife. It’s, it’s very healing,” she says. Escobedo was diagnosed with inflammatory breast cancer.“In February of 2017, I was happy-go-lucky turned into a cancer patient with a very aggressive rare disease that I didn’t know what to do with,” she recalls. Dr. Radhika Acharya, the medical director of the UCHealth Cancer Center in Highlands Ranch, Colorado, has been assisting Escobedo in her cancer journey.“[Inflammatory breast cancer] makes up just about 0.2 to 0.5 percent of all breast cancers, so it’s very rare, and it involves the skin that overlies the breast,” Dr. Acharya says.She says inflammatory breast cancer is so rare, it’s a challenging cancer to diagnose. “I think what’s difficult is sometimes it gets underdiagnosed or not diagnosed correctly because it looks like mastitis, which is swelling of the breast from an infection, or cellulitis, which is swelling of the skin or infection of the skin," she explains. "And a lot of women can experience that after pregnancy or when they’re breastfeeding or just with trauma."As uncommon as it may be, Escobedo knew the symptoms from a news segment she had seen years prior. “Honestly didn’t feel sick, didn’t think anything was going on, but I had that itch,” Escobedo says.She thought that itch was simply dry skin. However, after a couple weeks, it was still itchy so Escobedo decided to visit the doctor. An MRI showed nothing, but a biopsy proved it was inflammatory breast cancer. “With inflammatory breast cancer, 9 times out of 10 there will be no lump,” Escobedo says.The potential for a lump is just one symptom out of many for the disease. Other possible symptoms include itchiness, swelling of the breast, dimpling or thickening of the skin (like the skin of an orange), a discolored or inverted nipple, or the breast can get warm. Considering it’s so difficult to discover, the cancer is often very advanced by the time it’s diagnosed. Escobedo says she had to go through super intense chemo, surgery and radiation. However, genetic testing helped guide doctors and Escobedo to make the right decisions for her body.“Genetic testing more and more is becoming part of the data points in considering a patients’ diagnosis and optimal treatment,” UCHealth Genetic counselor Kristina Markey says.Oncologists say if you think you could be experiencing any of these symptoms, you should see your doctor right away. “Be persistent, and don’t just sort of say ‘it will get better’. If it doesn’t get better, go see your doctor again,” Dr. Acharya says.Escobedo will have to undergo chemo every three weeks for the rest of her life. Some days, she says she can barely drag herself down the stairs, but in the end, she chooses to stay positive and keep going.“When I wake up in the morning and I’m alive, then I just need to live the day," Escobedo says. "And I have a strong faith in God, I have a very strong family bond, and I will be on chemo forever, but the good part is that forever may be much longer.”If you’d like to reach out to the journalist for this story, please email elizabeth.ruiz@scripps.com 3281
Law enforcement officials are responding to the incident on the sidewalk of Pennsylvania Ave. Pedestrian traffic is closed along Pennsylvania Ave. between 15th and 17th streets to include Lafayette Park.— U.S. Secret Service (@SecretService) June 19, 2019 267
It was like a real-life version of Little Red Riding Hood -- except this tale involved a coyote and girl playing in her front yard.The tense moments were all caught on her family's surveillance video in Villa Park, Illinois, on Tuesday morning.In the video, Christine Przybylski, 5, skips out to the family's mailbox. Her mother, Elizabeth, told 357
It's been five months since a federal court ordered Education Secretary Betsy DeVos to give defrauded student loan borrowers relief, but more than 100,000 people are still waiting to hear whether their debt will be canceled.The Obama-era rule, known as Borrower Defense to Repayment, allows students who believe they were defrauded by their college to apply for loan forgiveness. The idea is that if they didn't get the education they were promised, they shouldn't have to pay back their debt.The number of these applications soared as the Obama administration cracked down on for-profit colleges. Sometimes nursing students, for example, found out after finishing their program that it didn't have the right accreditation -- keeping them from getting a job.As of last fall, more than 200,000 people had applied for loan forgiveness, a majority of whom went to for-profit colleges. Nearly 48,000 received debt relief and 9,000 have been denied.But no applications were processed between June and September of last year, the most recent data available, as the administration fought implementing the rule. But they continued to pile up. The department received an additional 35,000 claims during that time period.An Education Department spokeswoman did not respond Monday to questions about how many claims had been processed since the October ruling ordering the administration to move ahead with loan forgiveness.In December, the department announced that it would begin canceling loans for borrowers eligible for a specific type of loan cancellation. There is an automatic loan discharge for those whose schools closed while they were enrolled.As of March 1, the department has forgiven more than 8 million in debt to about 16,000 borrowers that qualified for a closed-school discharge, according to data the National Student Legal Defense Network obtained from the Department of Education in connection with a lawsuit. The group sued the department in November for allegedly continuing to collect on these loans.In a lot of these cases, the government eats the cost. Only federally-backed loans are eligible for forgiveness. About half of the debt forgiven was owed by borrowers who attended one of the now defunct for-profit Corinthian Colleges.But those borrowers who aren't eligible for the automatic discharge are still waiting to hear the verdict on their claim. They typically are required to show that the school misled them, by presenting them with inflated job placement rates, for example."We are not aware that any more claims have been processed," said Adam Pulver, an attorney at the advocacy group Public Citizen, which has brought a case against the department over the delay of the rule.Neither of his clients have received an update on their pending claim for loan forgiveness, he said.The department took a step toward fully implementing the Borrower Defense rule earlier this month when it issued guidance to schools about how the rule -- which also bans colleges from requiring students to sign mandatory arbitration agreements -- would be implemented.DeVos, who's been criticized for siding with for-profit colleges, pressed pause on processing the claims after a group representing for-profit colleges in California sued the agency seeking to block it from taking effect.Democratic attorneys general from 18 states and Washington, DC, sued the department over the delay in 2017, tying the rule up in court for more than a year. In September, the judge ruled in favor of the states, calling the department's delay "arbitrary and capricious," and ordered immediate implementation of the rule in October. DeVos has called the rule "bad policy" and has directed the department to rewrite it. The agency has proposed offering partial loan forgiveness for qualifying students, based on the income of their peers who attended similar programs at other colleges.Abby Shafroth, an attorney at the National Consumer Law Center, said she is worried a new rule could retroactively change the process for seeking relief."I have a number of clients who have been waiting since 2016 to hear about their application -- and still nothing from the department, no time line. It can feel like those applications were sent into a black hole," Shafroth said. 4275