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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CLEVELAND — A book club geared towards senior citizens is helping older Ohioans feel less alone during the coronavirus pandemic.Meet Ann Kuula. Like so many seniors this year, the coronavirus pandemic has left Kuula isolated — separated from family and friends through necessity.Her birthday celebration consisted of her kids singing to her in her front yard.“My oldest son Matt made his first cake and wrote ‘Sweet 16’ because, at age 79, 7 and 9 is sixteen,” Kuula said.So when Kuula got the chance to take part in a pilot program book club for seniors, she couldn’t wait.“When I got the book, I couldn’t put it down,” she said. “Keeping our mind busy!”That could be crucial for older Americans amid the pandemic. According to a Washington Post report, doctors have reported increased falls, pulmonary infections, depression and sudden frailty in patients who had been stable for years.“Human connection is a huge piece of what keeps us healthy,” said Ann Smith, executive director of Books @ Work.Books @ Work isn't a typical book club.— they team up with professors who help facilitate the discussion, in this case, one from Kent State University. The idea came from the Literacy Cooperative, a Cleveland-based nonprofit.They got in touch with seniors who wanted to take part through the Cleveland Department of Aging.“But because most of the folks who participated in this program don’t have internet access, don’t have computers, we actually did this one by phone,” Smith said.Group leaders hooked up a specific phone line that the seniors could call in to — and then, they let them talk. Their first book? "The Only Woman in the Room" by Heather Terrell— a historical novel about a brilliant female scientist only remembered for her beauty despite her many contributions to modern society.“The fact that people were able to connect even over the phone, just as disembodied voices and yet they still opened up tremendously,” Smith said. “Some of them shared very personal experiences.”Even from miles away, through the most basic of technology, books can bring people together.“Meeting these people over the phone was so enriching,” Kuula said. “And that’s what older people need — socialization, reminiscing, and enrichment.”Right now, the program is looking for funding to support more rounds of participants since the books were sent to the seniors free of charge.This story was originally published by Homa Bash on WEWS in Cleveland. 2451

Coca-Cola said Friday that it would offer buyouts to 4,000 employees as part of corporate restructuring and said that layoffs could be coming in the future.According to a press release, the buyouts will be offered to employees in the U.S., Canada and Puerto Rico with a hire date "on or before" Sept. 1, 2017. The company said the "voluntary program" would reduce the number of layoffs.According to Coca-Cola's statement, the company's current operating model consists of "17 business units" that will be consolidated into "nine operating units."Following the announcement, Coca-Cola's stock price rose nearly a point in early trading, an increase of just under 2%.According to WSB-TV, Coca-Cola has more than 86,000 employees nationwide. The Associated Press reports that company revenue fell 28% in the second quarter due to the effects from the pandemic, but executives are confident in recovery. 907

COACHELLA, Calif. (KGTV) -- Another puppy was discovered in a dumpster at Coachella just weeks after a woman was arrested for reportedly leaving seven puppies in a trash can. According to the Animal Hope and Wellness Foundation, the puppy was found badly beaten and burned in a dumpster on the 49000 block of Harrison Street around 1 p.m. on May 5. Someone digging through the trash heard the puppy crying and took her to a nearby jewelry store, where she was rushed to an animal hospital. RELATED: Woman arrested after puppies dumped in trash can at Coachella“It appears as if she was burned with a caustic substance, or a metal object like an iron,” the foundation said. The weeks-old puppy also had a portion of her tail cut off and can’t walk due to being beaten. The puppy, whose name is Hope, is currently in intensive care and being monitored 24 hours a day. The foundation is offering a ,000 reward for information leading to an arrest of the person responsible. The incident comes after a woman identified as Deborah Sue Culwell, 54, was arrested for reportedly dumping seven puppies in a dumpster at Coachella. The puppies were only about three weeks old. A good Samaritan was able to rescue the puppies, saving their lives. 1246

Click here to learn more about the classes being offered by San Diego Continuing Education. Anyone in San Diego is eligible to enroll in one of 75 different certificate programs, ranging from computer programming to welding. Summer sessions begin on June 8. 266

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