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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
Cliff Robinson, a former UConn star and longtime top sixth man in the NBA, has died. His death was confirmed by UConn. No cause of death was given, though former Huskies coach Jim Calhoun said Robinson had a stroke 2 1/2 years ago. Nicknamed Uncle Cliffy, Robinson played 18 seasons in the NBA and helped the Portland Trail Blazers reach two NBA Finals. Before that, he was the centerpiece of Calhoun’s early teams at UConn. Robinson was the NBA’s Sixth Man of the Year in 1993 and made his lone All-Star appearance the following year. Cliff Robinson was 53. 566

CLEVELAND — Have you ever heard of an emotional support animal being a squirrel?A passenger boarding a Frontier Airlines flight in Orlando headed to Cleveland got on the plane with one Tuesday night.A Frontier Airlines official said the passenger did note in their reservation that they were bringing an emotional support animal but did not indicate that it was a squirrel.Frontier Airlines does not allow rodents on flights.When they told the passenger of the policy and asked her to deplane, she refused and Orlando police were called. Many passengers WEWS spoke to didn't seem annoyed or angry but rather amused."The joke of the plane was hashtag squirrel so you’ll probably see it all over social media," said passenger Amber Calhoun.She was eventually escorted off the plane, allowing the plane to depart. A spokesperson for Frontier Airlines said the woman's ticket did indicate she had an emotional support animal but never specified the type of animal.The whole fiasco delayed the flight for almost two hours. 1046
COLUMBUS, Ohio — A pharmacy group reversed its decision to disallow the prescription of hydroxychloroquine, an anti-malarial drug, in COVID-19 cases.The Ohio Board of Pharmacy rescinded the ban only hours after announcing it, likely due in part to Ohio Gov. Mike DeWine's public plea for officials to allow doctors to continue using the unproven, politically controversial drug to treat the novel coronavirus. 417
Cotton Incorporated responded on Tuesday to a viral Facebook controversy surrounding a Hobby Lobby decoration that angered a customer.The customer shared a photo of a cotton decoration on Sept. 14, 2017 on Facebook, and said it is reminiscent of slavery and those who were forced to pick cotton. She called for the retailer to remove the item from shelves."We were surprised at the initial post because cotton has been sold in craft stores and used as a botanical decoration for decades," a Cotton Incorporated spokesman said in a statement. "Based on the responses to the original post, it does not seem that most people conflate a decorative choice with a regrettable chapter in American history."On Monday, Sept. 18, the "Cotton Stems in Glass Vase" item on Hobby Lobby's website was on sale for , marked down from .99. It is described as a natural decor with hints of the great outdoors, including large fluffs of white cotton finish on each stem. Cotton Incorporated argues that the cotton industry has changed since the days before the Civil War. "The U.S. cotton industry today bears little resemblance to that of the last century or the one before. Modern U.S. cotton is a socially and environmentally responsible industry that provides textile fiber, feed for animals and food for the growing world population," the spokesman added. Correction: An earlier version of this story incorrectly stated that Hobby Lobby had responded to a request for comment on the controversy. Hobby Lobby has not yet responded to a request for comment. Scripps regrets the error. 1627
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