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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

CLAIREMONT, CALIF. (KGTV) San Diego Police Department is investigating a car meet-up that turned into brief reckless driving exhibition in Clairemont.Viewer video shows several cars doing donuts and burnouts for hundreds of spectators at in major shopping center off Balboa Ave from Friday night.The drivers almost hit people trying to film them and almost crash into fences on the property.Those who attended say the meet-up was organized through private social media accounts.“It’s scary because it starts right next to you and it happens with like a flick of a switch,” said one gearhead who wants to remain anonymous to protect his identity.An SDPD officer is shown responding to the incident in the video and appears to be harassed by the crowd.“People were throwing trash at him and there was a lot of middle fingers that were thrown up,” said another car enthusiast who was the event, “I thought the cop was going to get attacked.”The anonymous gearheads say what happened Friday night is not indicative of car culture and they were upset with how people treated the officer.“I’ve been to multiple meets where… we get to look at some nice cars but then there’s meet’s like this that get out a hand and then cause a horrible image for us,” said the anonymous attendee.SDPD has not clarified if any arrests were made during the incident. 1375

CLEVELAND - What's more awesome than watching elephants at the Cleveland Metroparks Zoo? How about watching elephants chow down on a 1,300-pound pumpkin to kick off the second weekend at Boo at the Zoo.Boo at the Zoo is an annual fall event, currently in its 29th year. The event gives visitors a chance to watch all of their favorite animals being fed, attend a Monster Mash Dance Party, or take part in Trick or Treating and other family-friendly activities.  479

COVID-19 isn't the only risk this holiday season. Experts warn that the holidays bring a lot of hidden dangers for children, especially with everyone spending more time at home.In her 20 years at CHOC, a pediatric healthcare system in Orange County, California, Amy Frias has made it her mission to keep kids out of the hospital. She wears a lot of hats, helping families with everything from CPR courses to car seats and helmet safety.“Injuries are the leading cause of death and serious injury for children under 14,” Frias said. "It's all about prevention it's all about setting people up so that kids aren’t seriously injured or hurt.” This holiday season Frias says, we all need all the joy and happiness we can get. She advises caution about seasonal decor, especially if you've got young kids.“Things like keeping breakable ornaments up high on your tree, or maybe not having any breakable ornaments on your tree, and making sure that none of your lights are frayed and everything is in good working condition,” Frias said. She said to make sure you're considering age-appropriate gifts, be wary of toys with button cell batteries, and make sure kids can't access those compartments. She also warns that people need to be mindful of holiday plants, and stockings, which can pose a problem.“Mistletoe or holly berry those are two items that are extremely poisonous," Frias said. “Hang your stockings from your fireplace, but if you use your fireplace, remove the stockings from your fireplace before you use it." Frias added that parents should keep in mind that the glass on your fireplace is one of the hottest areas in your home and a young child with thin skin that touches it could have third-degree burns in seconds.When it comes to some of those bigger gifts, Frias reminds people about falls, which is what doctors tend to see the most of in pediatric trauma centers.“Bikes and scooters are great gifts to give kids," Frias said. "But also include a helmet. They need to have helmets and make sure it fits.” Dr. Nikhil Bhayani, who's an infectious disease specialist for a large health care group in North Texas said if you're planning a trip to see Santa Claus, do it while keeping COVID precautions in mind.“My kids wanted to see Santa Claus and the first thing I said was 'we’ll see what type of protective barrier they have what are they implementing,'" Bhayani said. "It was very interesting that Santa was 6 feet away and he was sitting in the back of the sleigh, but they had a Plexiglass separating the kids from Santa Claus."Right now, he says, his clinic is full of COVID-19 patients.“As a provider, I would encourage you to stay at home as much as possible," Bhayani said. "We are in the middle of another surge, hospitalizations are going up, and cases are going up."The doctor added that the best thing to do is use due diligence, keep everyone safe, and not overwhelm hospital systems."The best thing would be to celebrate at home with family, close family, and limit the number of people who come over to your house.” As for all those holiday experiences Bhayani said he can't urge enough caution.“I know that it's the holiday season and there is holiday fatigue, and people want to get out, but I tell people that if they want to be around to enjoy the holidays next year, let's do the right things now.” Frias added that everyone should enjoy those holiday cookies, but don't eat the dough and as we all hope to celebrate the end of 2020, celebrate with a mask on. 3503

Complaints are growing nationwide about workplace safety issues related to coronavirus. The Occupational Safety and Health Administration, or OSHA, has received more than 6,500 nationwide on a federal level since February.One trial lawyer who works in employment law says she expects the number of complains will keep going up.“Where I really think the numbers are going to escalate is in the retaliation world, where employees bring issues to their employers' attention about failing to implement appropriate administrative or engineering controls or social distancing measures and then they feel that they have suffered an adverse employment action as a result of bringing this to their employer's attention,” said trial lawyer Laura Lawless.OSHA recently updated its guidance on COVID-19-related workplace safety. It now suggests wherever possible and feasible employers should require masks at work.This guidance is something Lawless says everyone was waiting on. She says for states or cities that already had a mask mandate it was easier to enforce at work already, but for states that don't have this mandate, it was harder until now.“At least you can now turn to CDC guidance and OSHA guidance as an employer and say look even if you disagree with us for a political reason or personal expression reason, we're following the guidance from agencies that are meant to look out for your health and safety,” said Lawless.Still, there are concerns OSHA isn't going far enough in other areas. One big criticism among employee protective organizations, workers organizations and unions is that OSHA’s guidance on COVID-19 isn't a regulation and doesn't really have any teeth.Virginia and Oregon are two states looking to fill in the gap with their own worker protections.If you see issues in your workplace, the employment lawyer recommends being reasonable in your approach and not getting too emotional in your reaction. She says also keep careful documentation about who you spoke to and what you talked about. 2022