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Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Former Vice President Joe Biden said he hopes Democrats do not impeach President Donald Trump right away if they take control of the House, arguing they should wait until the conclusion of special counsel Robert Mueller's investigation to determine their approach."I hope they don't. I don't think there's a basis for doing that right now," Biden said in an interview with "CBS This Morning" co-host Nora O'Donnell. "I think we should wait until the report comes out."Asked if Mueller should release his report before the midterm elections, Biden said, "I think it should be issued when they finish the investigation. I've been around a long time. You wait until the investigation's finished. You don't put an arbitrary end to it. You wait till it's finished, and let's see what it has to say."While some Democrats, including billionaire donor Tom Steyer, are pushing for impeachment, House Minority Leader Nancy Pelosi, who could become speaker if Democrats win back control, has tried to quiet impeachment speculation."Our priority (is) unifying. Impeachment is a very divisive approach. Elections should determine who is in office," Pelosi told CNN last month. "If the President has broken law, he's not above the law, but that remains to be seen."A CNN poll conducted by SSRS last month found that nearly half of Americans in the poll -- 47% -- said Trump should be impeached and removed from office. That figure was up from a June poll that found 42% said Trump should be removed from office.In the same interview, the former vice president also criticized Trump's handling of the disappearance of Washington Post columnist Jamal Khashoggi, a critic of Saudi Arabia's government, in the Saudi consulate in Istanbul."I'm very worried that the President seems to have a love affair with autocrats," Biden said. "The idea that he's already making excuses before the facts are known ... it's typical but it hurts us internationally."Biden said his doubts about Saudi Crown Prince Mohammed Bin Salman have "been confirmed.""My doubts are that there is very little sense of rule of law, respect for human rights, dignity and you know, the allegations that are made so far -- I don't know yet -- are not inconsistent with the way the kingdom would act," he said.The former vice president argued there should "absolutely positively" be consequences if it is found the crown prince ordered Khashoggi's apparent murder and floated the cancellation of US arms sales to Saudi Arabia as a possible retaliatory measure.Asked to explain Trump's behavior, Biden said, "I don't want to speculate on my worst fears but either he doesn't know what he's doing or he has an absolutely convoluted notion of what allows America to lead the world." 2762

FRESNO, Calif. (AP) — A Northern California man posed as a woman on dating apps to lure men to a meeting place and then rob and carjack them, prosecutors said.Contra Costa County District Attorney's Office charged Hakeem Doeparker, 20, this week with multiple felonies, including second-degree robbery and criminal threats, attempted extortion and carjacking, The Fresno Bee reported Wednesday.Doeparker allegedly created female profiles on apps such as Skout and MeetMe! to connect with his victims. Prosecutors said he scheduled dates with the victims in Antioch, which is about 45 miles (72 km) northwest of San Francisco.He approached victims from behind, pointed a gun at them and threatened to shoot or kill them if they did not give him their money or car keys.The charges stem from incidents that occurred in June with four men, who all escaped unharmed. Doeparker successfully took money and two cars, which police later recovered.Doeparker, who is in custody, pleaded not guilty to the charges on Tuesday.Prosecutors believe there may be several additional victims. An investigation is ongoing. 1112

FRANKFORT, Ky. -- Kentucky Gov. Matt Bevin is taking a stand on school shootings after 17 people died in a Florida school this week.It's a societal scourge that's top of mind for Bevin since not even a month has passed since a shooting killed two at Marshall High School in the small western Kentucky town of Benton.RELATED: Trump cites mental health in shooting, no mention of gunsIn a Facebook video posted Thursday night, Bevin called on producers of movies, music, television shows and video games to be part of an effort to “figure out how to try to repair this fabric of America that’s getting shredded beyond recognition.”"Our culture is crumbling from within, and the cost of it is high," Bevin said. "All of you, we've got to step up. We're the adults -- let's act like it. Let's step forward. Let's start a conversation."He also made the more standard overtures to fellow governors, the president and Congress to strike up a dialogue that can prevent future school shootings.Watch the video in the player below.The Associated Press reports Bevin also?told talk radio hosts on Thursday that guns are not the reason for the increase in school shootings. He blamed a culture that delegitimizes life through violent video games, TV shows and music lyrics.Bevin called video games where people kill others “garbage” and said “it’s the same as pornography.” He said “freedom of speech” has been abused by allowing things that are “filthy and disgusting and have no redeemable value.” 1505

Former Vice President Joe Biden told supporters Tuesday night to "keep the faith" and have patience, as results trickle in from around the country. Biden spoke from his Delaware home just before 1 a.m. ETCar horns could be heard during his short speech, a familiar sound from Biden's drive-in rallies during the final weeks of the campaign. "We feel good about where we are," Biden told supporters, referencing recent projected wins in Minnesota and what Biden says are positive trends in Pennsylvania and other battleground states. Biden also repeated a sentiment he had shared earlier in the day, as he thanked supporters for their patience. “Presidents don’t decide what votes are counted and not counted; voters determine who’s president.”His comments were a little bit of a surprise, given several key states had not been called yet and Biden's comments earlier in the day.When asked if he would give a speech Tuesday night, Biden simply told reporters, “If there’s something to talk about tonight, I’ll talk about it,” according to the Washington Post.Shortly after Biden's speech, Trump addressed the nation from the White House and falsely claimed victory, and vowed to send the outcome of the Supreme Court should the results prove he lost. In a statement, Biden campaign manager Jen O'Malley Dillon called the comments "outrageous, unprecedented and incorrect." There had been some questions earlier in the day whether Trump or Former Vice President Joe Biden would give any speech Tuesday night. There has been warnings all week it could take longer for states to count record-levels of mail-in ballots and in-person votes, and there may not be a winner projected in the presidential race Tuesday night.During a stop at his campaign headquarters, President Donald Trump said he was not thinking about any speeches Tuesday night yet.When asked if he had prepared one, he said, “No, I’m not thinking about a concession speech or acceptance speech yet. Hopefully we’ll only be doing one of those two. And you know, winning is easy, losing is never easy, not for me it’s not.”However, Tuesday night, Kellyanne Conway told ABC News the president is planning on giving a speech."You will hear from the president tonight," Conway said when asked if Trump would talk. "The President is expected to address the nation later from the East Room of the White House," Conway explained, adding that four years ago, Trump gave his speech at around 3 a.m.No word what time the president will talk. 2500

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