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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. — Weeks of feeling tired and short of breath were symptoms 16-year-old Hunter Brady never thought would lead to a cancer diagnosis.  Last month, he learned he was fighting stage 4b Hodgkin’s Lymphoma.    Hunter is now undergoing rounds of chemotherapy at St. Joseph’s Children’s Hospital.  He’s lost all of his hair and has to spend most of his time in and out of the hospital and then recovering at home.  Florida teen with terminal cancer dies less than a month after marrying high school sweetheart 556

Students around the country have started to sign petitions, demanding colleges reduce tuition costs amid the pandemic. A recent survey by OneClass.com shows 93 percent of college students feel tuition should be reduced this semester since most classes will be held online.“I feel terrible, you know, by this one semester that I have to pay the exact same amount as I would by getting a whole college experience,” said Gabrielle Perez.Perez is a junior at Michigan State University and is one of many college students demanding lower tuition with online classes. She started a petition at her school, claiming “online classes hold a far less value compared to those that were once in a classroom”“You are at a Big Ten school. I am paying for a Big Ten school. I’m not getting the Big Ten-school experience,” said Perez.Currently, MSU has only committed to a tuition freeze, which essentially keeps tuition the same as the previous two years. However, around the country, other higher education institutions have begun reducing their tuition.Georgetown University, Princeton University, Lafayette College, Rowan University, Spelman College, Clark Atlanta University, and American University are just some of the higher education institutions that have lowered tuition by 10 percent. Schools like Hampton University and Williams College have lowered their tuition by 15 percent, while Southern New Hampshire University (SNHU) announced it will be offering incoming freshman full-tuition scholarships for the first year. All other SNHU students will have their tuition rate slashed from ,000 to ,000.Most schools have held strong in maintaining current tuition rates, with a few even raising tuition.“You can’t talk about prices and what institutions are charging students without talking about cost,” said Denisa Gandara, an assistant professor of educational policy and leadership at Southern Methodist University. “In many cases, the costs are going up.”Gandara explained many higher education institutions are reluctant to reduce tuition because of additional costs this year. Those additional costs include the cost of remote-learning equipment, training instructors to teach remotely effectively, and higher health insurance premiums.“I imagine institutions are still looking at their numbers and trying to decide whether they do need to lower their prices to attract more students,” she said.Some fear a significant number of college students will drop out or take the semester off, and some students have threatened that in their petitions.“You have so much time to go back to college anyways, that this one semester or maybe a whole year is not going to define you,” said Perez.Financial experts like Calvin Williams, Jr., CEO at Freeman Capital, believe a semester or two away from a four-year higher education institution may not be so bad after all. In fact, from a financial perspective both short and long-term, he is encouraging students to do this.During this pandemic, his company has been providing college students with advice on how to save on college tuition. One major way to save, according to William, Jr., is to consider taking transferable classes at a community college where tuition is already drastically lower than that at a four-year college or university.“Going down the community college-first route, for at least a COVID time like this, it will allow you to save money on tuition on room and board, and you will have a lot of flexibility in a year or two when you transfer to a four-year, carry those credits but carry less debt,” said William, Jr. 3592

TERRE HAUTE, Ind. (AP) — The Trump administration has carried out its ninth execution of the year and the first during a presidential lame-duck period in 130 years. Federal prison officials in Terre Haute, Indiana, on Thursday, executed a Texas street-gang member for his role in the 1999 slayings of an Iowa religious couple. The case of 40-year-old Brandon Bernard was a rare execution of a person who was in his teens when his crime was committed. Bernard was pronounced dead at 9:27 p.m. Eastern time on Thursday, the AP reported.He was 18 when he and four other teenagers abducted and robbed Todd and Stacie Bagley on their way from a Sunday service in Killeen, Texas. According to the Associated Press, reality TV star Kim Kardashian West had even asked President Trump to commute Bernard’s sentence to life in prison.Bernard's last words, which were directed to the Bagley family, were "I'm sorry," the AP reported.Four more federal executions, including one Friday, are planned in the weeks before President-elect Joe Biden's inauguration. 1055

SYLMAR, California — A freeway sign indicating drivers were using Interstate 5 South fell into traffic lanes Friday afternoon at the start of the holiday travel rush in Sylmar, north of Los Angeles.A driver reported to the California Highway Patrol that most of the sign fell into the middle lanes of I-5 at SR-14 at 1:15 p.m. Some parts of the sign were left dangling from the rigging.At least one driver hit some of the debris, according to the CHP’s online report. There were no reports of any injuries.Officers shut down south I-5 and diverted traffic into truck lanes, backing up the freeway into Santa Clarita.Caltrans crews removed the dangling sign and traffic on south I-5 was reopened about 3:30 p.m.The cause of the fall is under investigation. 773

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