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You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

after "recent developments in the investigation have led investigators to believe the children may now be in danger."The Stafford County Sheriff's Office (SCSO) says it is searching for Melody Bannister and her four children, who were last seen in Moulton, Alabama on Aug. 20.According to the SCSO, Bannister told deputies in June that her children had been abused by a family member. Child Protective Services later determined the allegations were unfounded, but before the investigation ended, Bannister and her four children left Virginia for a planned vacation to Alabama. They never returned.The Stafford County Juvenile Domestic and Relations Court eventually granted custody of the children to their father. Bannister petitioned the court in Alabama and requested that custody be issued to her there, but courts ordered her to return her children to the father in Virginia.Bannister did not comply and was last seen in Alabama on Aug. 20. She is currently wanted for one felony charge of Violation of a Court Order, four misdemeanor charges of Abduction, and one misdemeanor charge of Filing a False Police Report.Bannister's four children are Genevieve Bannister, 13; Janelle Bannister, 12; Vivienne Bannister, 11; and Peter Bannister, 7."The U.S. Marshals Service and the National Center for Missing and Exploited Children became involved in the investigation several months ago," a spokesperson for the SCSO said.Over the past several months, they have been seen at the following locations:Birmingham, Alabama - 35201Moulton, Alabama - 35650Greenville, South Carolina - 29601Shell Lake, Wisconsin - 54871Madison, Wisconsin - 53701Spooner, Wisconsin - 54801Maryville, Tennessee - 37801Knoxville, Tennessee - 37901Lexington, Kentucky - 40502Leadville, Colorado - 80429Raleigh, North Carolina - 27601Aransas Pass, Texas - 78335Dallas, Texas - 75201Corpus Christie, Texas - 78401Law enforcement officials are asking anyone with information to contact: 1-877-WANTED2.This story was originally published by 2013

for his role in the death of Eric Garner.ORIGINAL STORY: A final decision on the future of the officer accused of fatally choking Eric Garner is expected to be announced by New York Police Commissioner James O'Neill at 12:30 p.m. Monday, according to multiple law enforcement officials.Officer Daniel Pantaleo was found guilty in a disciplinary trial earlier this month of using a chokehold on Garner, the New York man whose final words, "I can't breathe," became a rallying cry for the Black Lives Matter movement.The departmental administrative judge officially recommended Pantaleo be fired. O'Neill had been expected to follow the recommendation, a senior law enforcement official said then. Pantaleo has been suspended pending the commissioner's decision, the NYPD spokesman said.The decision comes more than five years after police tried to arrest the 43-year-old father of six, who was allegedly selling loose cigarettes illegally on Staten Island. In video of the arrest, Pantaleo can be seen wrapping one arm around Garner's shoulder and the other around his neck before jerking him back and pulling him to the ground.As Pantaleo forces Garner's head into the sidewalk, Garner could be heard saying "I can't breathe. I can't breathe." He died shortly afterward.Garner's death, three weeks before the death of Michael Brown in Ferguson, Missouri, started the resurgence of police accountability and brought the Black Lives Matter movement to the forefront, Rev. Al Sharpton said last month.The "I can't breathe" phrase reflected the suffocating frustration with what activists said was a lack of police accountability after police killings of unarmed African Americans. The phrase was widely heard and seen at protests, and NBA stars like LeBron James bore the message on T-shirts in support of the cause.Judge recommended he be firedThe departmental disciplinary trial focused on whether Pantaleo used a department-banned chokehold in the arrest.The city medical examiner's office ruled Garner's death a homicide in the days after his death, and the medical examiner testified that Pantaleo's alleged chokehold caused an asthma attack and was "part of the lethal cascade of events."Pantaleo denied that he used the maneuver, but Deputy Commissioner of Trials Rosemarie Maldonado ruled that a chokehold triggered a series of events that culminated with Garner's death, according to the report, which CNN obtained from a source familiar with the matter."Here, (Pantaleo's) use of a chokehold fell so far short of objective reasonableness that this tribunal found it to be reckless -- a gross deviation from the standard of conduct established for a New York City police officer," Maldonado wrote. "Moreover, (Pantaleo's) glaring dereliction of responsibility precipitated a tragic outcome."Despite the disciplinary trial, Pantaleo has avoided criminal charges in the death. A grand jury in New York declined to indict the officer in 2014, and the city of New York settled with Garner's estate for .9 million in 2015. The Justice Department declined to bring federal civil rights charges last month. 3109

on the sale of all vaping products and e-cigarettes in the state on Tuesday. The announcement comes as hundreds of people across the country — including 61 people in Massachusetts — have been sickened by a mysterious lung disease that researchers suspect is linked to vaping.The ban will take effect immediately and will last through Jan. 25, 2020."One of the experts said that, 'We don't have time to wait. People are getting sick and the time to act is now.' I couldn't agree more," Baker said, according to the 516

in Australia believe they may have unlocked a process to develop a painkiller that's just as potent as morphine without addictive side effects — and the key was discovered in the Australian mud.According to a 211