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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. -- The fight against COVID-19 is taking off in a new direction: it’s headed for the friendly skies.“We wanted to be able to instill confidence in the traveling public that, in fact, it is safe to travel,” said John Tiliacos, vice president of airport operations and customer service at Tampa International Airport.Tucked away in a corner of the main terminal at the airport sits a coronavirus testing center. This month, Tampa’s airport became the first in the country to offer two types of COVID-19 tests to the flying public. The tests are administered by medical personnel from BayCare Health System.“There's a lot of people who are asymptomatic carriers and we don't want to invariably go and expose a loved one or a family member,” said Dr. Nishant Anand, Chief Medical Officer for BayCare Health System.While the tests are required for people traveling to certain international destinations, it can also benefit people traveling within the U.S., by helping them avoid a 14-day quarantine in certain states, if they test negative for the virus.“Me and three other girlfriends are going on the girl's trip,” said Aneesah Rashad, who is celebrating her birthday with a vacation.Rashad is heading to Puerto Rico and needed a COVID test to do so.“It's required in order for you to go to enter into San Juan within 72 hours prior to your travel day,” Rashad said. “I've been tested several times, just to make sure, because I do care about my health and it's important to me.”The two tests offered include the , rapid coronavirus antigen test, which offers test results in 15 minutes. There is also the more accurate, 5 PCR test – which uses a nasal swab – with results within two days. Both tests are covered by most insurance.“Heaven forbid, if someone does test positive, we tell them to go home and quarantine,” Dr. Anand said. “We tell them what the results are. We then are obligated by law to notify the Department of Health for Hillsborough County, which is a county that we're in.”Even some airlines, like United, American, Jetblue and Hawaiian, are now offering COVID testing before certain flights.Earlier this year, passenger numbers cratered at airports across the country, down more than 90% in Tampa alone.“[It’s] the worst impact that we've seen to travel,” Tiliacos said.However, the number of people flying is starting to tick back up heading into the holiday season. The coronavirus testing center is open at a time when it could become vital.“We hope that other airports replicate this,” Tiliacos said.Since Tampa International Airport opened their testing site, several others have followed suit, including in Oakland, Boston and New York. 2686

TERRE HAUTE, Ind. — The first federal execution in 17 years is on hold after a U.S. judge ordered a new delay in federal executions.Daniel Lewis Lee, of Yukon, Oklahoma, was scheduled to be executed at 4 p.m. Monday at the Federal Correctional Institution in Terre Haute, Indiana.A U.S. district judge ordered a new delay in federal executions on Monday morning. Lee's execution had previously been been suspended late Friday following a decision by the 7th Circuit Court of Appeals.The Trump administration immediately appealed, asking a higher court to allow the executions to move forward, according to The Associated Press.Lee is one of four people who are scheduled to be executed at the federal penitentiary in Terre Haute. Two other men are set to be put to death this week, while another execution is scheduled for August.The executions, pushed by the Trump administration, would be the first carried out at the federal level since 2003.Lee was convicted of killing a family of three in Arkansas in 1996, including an 8-year-old girl.This story was originally published by Daniel Bradley at WRTV, with contributions from The Associated Press. 1158

TEMPE, Ariz. — It's a huge breakthrough for the highly contagious and deadly norovirus as researchers at the Arizona State University’s Biodesign Institute have come up with a vaccine made from plants.The norovirus is known as the perfect human pathogen. It can have you feeling awful for days, but researchers at ASU say a form of the tobacco plant may be the key to a vaccine.Also known as the cruise ship illness, norovirus hits nearly 20 million Americans every year. According to Andy Diamos, a post-doctoral researcher at ASU, the average person has the stomach bug five times in their life.“Norovirus is a horrible bug to get,” said Diamos. “It causes vomiting, diarrhea, all sorts of nasty stuff.”There is no vaccine for the highly contagious bug because it's notoriously difficult to produce in a lab, until now, thanks to Diamos and Hugh Mason with the Biodesign Center.“Genetic engineering has allowed us to design systems like plants to produce useful things like vaccines,” said Diamos.By using a form of the tobacco plant, researchers discovered that a harmless bacteria would help grow a norovirus vaccine when the proper genes are transferred to the leaves.“You can basically put in whatever genes you want and transfer those to the plant, so that's how we get the plant to make the vaccine,” said Diamos.According to Diamos, real viruses are surrounded by a shell that protects its genes. The vaccine that grows inside the tobacco plant is essentially that shell without the harmful insides.“If you give that to someone as a vaccine, it looks just like the real virus, but there is nothing on the inside,” said Diamos. “It can't cause disease; it can't actually infect you.”That's what makes these plant-based vaccines safe and effective.“One of the main reasons why we're focusing on plants is because they're so cheap to work with. These vaccines will hopefully be much cheaper to produce than traditional methods,” said Diamos.Many discoveries from ASU researchers hit the market, this one could too, but it needs further study and would eventually need to be picked up by a pharmaceutical company which could take years. 2154

TAMPA BAY, Fla. — About four million Kia and Hyundai vehicle owners are one step closer to receiving a piece of the nearly 0 million settlement over an engine defect linked to cars and SUVs spontaneously bursting into flames.The settlement deal, first announced last year, would cover reimbursement for past repairs and expenses, free repair or replacement of damaged engines, denied warranty coverage, and loss of vehicle value.ABC Action News I-team Investigator Jackie Callaway first exposed the cause behind these fires in the report “Up in Flames” in 2018.That’s also the year Tisha VanAllen’s 2011 Kia Optima caught fire as she was driving down a Mississippi highway.“The car started stuttering and I pulled over and when I did it was just engulfed in flames,” she said.VanAllen became trapped in the burning car.“I tried my passenger door, my driver's door, it would not budge,” she said.Panicking, she kicked at the door and window before a truck driver pulled over and wrestled the door open.“He kept yanking on the door handle until he finally got it to open up and he just grabbed me and yanked me out,” she said.The loss of her car devastated the finances of the single mother of four. And at one point she faced eviction.“It just put me in a downward spiral,” VanAllen said.Kia and Hyundai, under the settlement terms, will pay VanAllen and millions of other drivers’ repairs, damage, and loss of vehicle value.Kia did not respond to a request for comment but a Hyundai spokesperson wrote in an email that, "this settlement acknowledges our sincere willingness to take care of customers impacted by issues with this engine’s performance....."The class-action lawsuit includes drivers who owned or leased the following vehicles with 2.0-liter or 2.4-liter gasoline direct injection engines:2011-2019 Hyundai Sonata2013-2019 Hyundai Santa Fe Sport2014-2015 and 2018-2019 Hyundai Tucson2011-2019 Kia Optima2012-2019 Kia Sorento2011-2019 Kia SportageA federal court hearing for final approval is set for November 12 and a judge is expected to grant formal approval of the settlement before the end of the year. The automakers are already sending out claim forms to affected drivers who can expect to start receiving checks in 2021.VanAllen said it can’t happen soon enough.“I am glad they are taking the responsibility for it,” she said. “Because it really put me in a really bad hardship.”This story was first reported by Jackie Callaway at WFTS in Tampa Bay, Florida. 2489