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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

City officials voted unanimously on Thursday to install two new rainbow-painted crosswalks to show support for the LGBTQ community in Phoenix. The vote was in response to interest by community groups after noting several other cities across the country have installed rainbow crosswalks as a symbol of inclusiveness with the LGBTQ community. "Phoenix values and embraces its LGBTQ brothers and sisters," Mayor Greg Stanton said. "Phoenix is committed to ensuring equal treatment and rights for everyone and showing our support because we know diversity makes us stronger."  The proposed rainbow crosswalks would be installed at two existing pedestrian crosswalks, located at Central Avenue and Portland Street, and the other at the crossing of 7th and Glenrosa avenues. The Phoenix Pride Community Foundation, one-n-ten, and Aunt Rita's Foundation have offered to cover the costs of materials, installation and ongoing maintenance for the rainbow-painted portions of the crosswalks that are not already maintained by the city. All three groups are non-profits that serve and assist LGBTQ individuals and the community."The City of Phoenix has always maxed out its score on the equality index. They've been longtime supporters of not only one n ten but Phoenix Pride and all of our LGBTQ organizations," said Travis Shumake, with one-n-ten. "Several corporations have gotten behind us to say we'll help you maintain that crosswalk. If you can make it happen we'll figure out how to make sure its paid for so our youth feel welcome in this vibrant city."City staff will work with these organizations to help provide specifications for design, materials, installation, and maintenance.  1746

Cooled to negative 320 degrees, using liquid nitrogen cooled food has become a trendy and cool way of eating. But eating products so cold comes with risks. On Thursday, the FDA issued a warning for foods cooled by liquid nitrogen. The FDA says consuming products marketed as "Dragon’s Breath," "Heaven’s Breath," "nitro puff," among others could cause serious injury. Liquid nitrogen quickly freezes food, but even after the liquid has completely boiled into a gas, the extreme cold of the food and the displacement of oxygen could cause health concerns. "The FDA has become aware of severe -- and in some cases, life-threatening -- injuries, such as damage to skin and internal organs caused by liquid nitrogen still present in the food or drink," the FDA said in a statement. "There has also been a report of difficulty breathing after inhaling the vapor released by liquid nitrogen when added immediately before consumption. Injuries have occurred from handling or eating products prepared by adding liquid nitrogen immediately before consumption, even after the liquid nitrogen has fully evaporated due to the extremely low temperature of the food."The FDA's warning does not extend to all foods cooled by liquid nitrogen. "Other foods treated with liquid nitrogen prior to the point of sale and before consumption, for example some frozen confections, are treated in such a way that results in the complete evaporation of liquid nitrogen before reaching the consumer and are no longer at an extremely low temperature, and therefore do not pose a significant risk of injury," the FDA says. 1646

CORONA, Calif. (AP) — A fatal shooting inside a Costco Wholesale warehouse store Friday night took place after a man attacked an off-duty police officer, the Corona Police Department said.Kenneth French, 32, of Riverside assaulted the Los Angeles Police Department officer while he was holding his young child, the department said in a statement Saturday night. The officer fired his gun, hitting French and two of French's relatives, the department said.French was killed, the department said. The relatives are in critical conditions at hospitals.The officer, whose identity is being withheld, was treated and released at a nearby hospital, and the officer's child was not injured, the department said.The officer was the only person who fired shots in the store, the department said.The shooting prompted a stampede of frightened shoppers to flee the store east of Los Angeles and seek cover inside.Witnesses said they saw a man with a Mohawk haircut arguing with someone near a freezer section when shots rang out at least six times. The man involved in the argument was killed, Corona police Lt. Jeff Edwards said.Witnesses said there was an altercation. Shoppers and employees described terror and chaos when shots rang out shortly before 8 p.m. Friday and police swarmed the store.Shrieks from inside the store were heard on video recorded by shopper Nikki Tate, who had stopped by with her daughter to pick up steaks and lobsters for Father's Day.Tate said Saturday she was by the meat section when she heard "about six or seven shots." She dropped to the ground and crawled toward her daughter who was at the other end. They huddled until they were able to escape through a side door."I saw people and heard shots and my first though was 'Jesus, is this another mass shooting?'" she said. "I didn't know if this was a random thing or a domestic thing or if this was a mass shooting. Everything was happening so fast, I just wanted to get me and my kid to safety."In the video, her daughter says, "Mommy, we need to go."The Los Angeles Police Department said in a statement Saturday afternoon that it has launched its own investigation of the incident.Christina Colis told the Riverside Press-Enterprise that she was in the produce area when she heard six to seven shots and hid with other shoppers in a refrigerated produce room. She said her mother saw people injured on the floor."I thought maybe someone dropped a bottle of wine, but then I kept hearing shots," shopper Will Lungo told the Press-Enterprise newspaper. "An employee came in and helped us out through the emergency exit."Witnesses told KCAL-TV that shoppers and employees rushed to the exits. The station reported that more than 100 people were outside the store at one point. Left behind inside the store were purses, cellphones and backpacks from panicked shoppers, Corona police said. 2871

Click here to learn how you can donate to help Bonita Vista High School repair the damage caused by recent flooding to the Bolles Theater, as well as equipment and wardrobe. 181