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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

CORONADO, Calif. (KGTV) — Coronado officials warned beachgoers of two shark sightings on Sunday, almost 10 days following four other sightings.The city posted on Facebook that two white shark sightings occurred off South Beach at 9:10 a.m. and 9:30 a.m. Officials added that a local surfer who reported the second sighting said the shark was possibly longer than 10 feet and seen about 50 yards offshore.Both sightings occurred near Tower 1C at Avenida de las Arenas, and the shark did not show any engaging behavior. Beachgoers were alerted Sunday and encouraged to check with lifeguards before going into the water. Sunday's sightings come nearly 10 days after Coronado said four shark sightings in two and a half hours prompted warnings. 748

CORONADO, Calif. (KGTV) — Thousands of sailors left Naval Air Base Coronado Friday afternoon, to embark on a seven-month deployment to the Indo-Pacific Region. Its colossal presence is intimidating. Impressive. Indisputable.“We comprise the most mobile, most capable, and most lethal fighting force on the entire planet,” Captain Brett Crozier, Commanding Officer of the USS Theodore Roosevelt, said. But the strength of the ship isn’t in the hardware. It’s in the 6,000 sailors who will call it home for the next seven months. Friday is their farewell to their families. “Already I’ve been crying like all day,” Stephanie Hastings said. The young mother of two is saying goodbye to her husband, Christopher, for the first time. This is the 26-year-old’s first deployment. Emotions overcome her, even though her toddlers do not understand. “He [three-year-old Mason] doesn’t really know what’s going on. He said he wants to go to Target today. He doesn’t want to come here,” Hastings laughed. But long-time military wife Fama Nyassi has no tears. She and her two daughters are sending off their father, Ousom, for the fifth time. “Daddy is not around, but Mommy is here. I will take care of everything!” Nyassi said. For the next seven months, the sailors will travel to the Indo-Pacific region to provide maritime security and regional safety. For EMC Nyassi, it’s comforting to know that his wife has got his back at home. “I can’t thank her enough. She’s the rock of the family. I can’t thank her enough,” EMC Nyassi said. Those left behind say their strength comes from their love for their spouse and for their country. “I tell him all the time that I am really proud,” Hastings said of her husband. “So proud of him. He’s the hero of the family,” Nyassi said of her husband. The last time the USS Roosevelt left for a seven-month deployment was to support “Operations Inherent Resolve” and “Freedom’s Sentinel” between October 2017 and May 2018. This time, the sailors are scheduled to return in August 2020. 2023

College campuses across the country have largely sat empty for months, but as schools consider whether to bring students back, they're also considering their legal obligations.“They are a business that needs revenue to function,” explained Chris Feudo, an attorney with Foley Hoag in Boston, Massachusetts.As an attorney, Feudo has been advising folks about COVID-19 waivers, which gained national notoriety leading up to President Donald Trump’s rally in Tulsa last month. Businesses have also been turning to these forms in hopes of freeing themselves from legal responsibility if someone catches the virus.The next round of waivers could be coming from colleges and universities, and many have already mandated student-athletes to start signing the forms in order to start practicing. Students returning to empty campuses could be next.“It sends a really dangerous message,” Feudo said. “If you’re saying to your employees, faculty, students, it’s sending a message that the college or university is bringing people back when there’s still a substantial risk.”A COVID-19 waiver could mean a family loses any right to seek compensation if a student gets sick at school.But Feudo is skeptical any of these waivers will hold up in court.“You’re not going to find out whether it’s enforceable until somebody gets sick and sues,” he said. 1344

Congress passed a bipartisan bill to address the opioid epidemic, and this week the president signed it into law. It's one of the few things that brought Democrats and Republicans together.“Opioids is definitely an issue where there's a lot of bipartisan agreement,” says Republican strategist Brian Bartlett. “We saw the Senate pass their version 99-1. The House also overwhelmingly passed legislation back in June the first time around to address this issue.”Democratic strategist Brandon Neal agrees, saying the issue of opioids is a bipartisan issue affecting everyone.On average, a person dies from an opioid overdose every eight minutes, according to the CDC.“Right now, we're in a point in our society where every average person, everyday person, is affected by this,” Neal says. “So, one pill kills.”The impact of the problem is so big, it forced both political parties to come together to pass a bill that will boost programs to treat addictions, keep a closer eye on prescriptions and promote research to find new drugs that are not as addictive.“I think the next step is to start enacting some of the changes this legislation offered, because in a lot of ways, this was a comprehensive bill, but we need to see what's going to be most effective and what works,” Bartlett says.Just this week, there was a small glimmer of hope. Early data shows the number of overdose deaths are beginning to level off and have even slightly dropped, according to Health and Human Secretary Alex Azar.“The seemingly relentless trend of rising overdose deaths seems to be finally bending in the right direction,” Azar says. 1623