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TAMPA BAY, Fla. — Thanksgiving is a day of gratitude for many, but it also marks 10 years of Justin Gaertner's Alive Day.Gaertner's Alive Day marks the day he survived injuries overseas."It's a day to remember how far you've come in life and that nothing can hold you back," said Gaertner. November 26, 2010, Gaertner and his best friend, Gabriel Martinez, were on a clearance mission in Marjah in Afghanistan's southwestern Helmand province. While sweeping after a vehicle in front of them, the vehicle rolled over an IED, Gaertner said Martinez hit a secondary IED and as he swept to secure a landing zone for a medical helicopter, he triggered a tertiary IED. Both lost their legs."I remember every second of that moment. The smell. The looks. The sound. Everything that was going on, and it's something I'll never forget. But regardless, he was right there by my side the whole time, throughout the whole thing," Gaertner said.A photo shows the two with injured hands, holding each other's pinky fingers. They had each other's backs in the Marines through their recovery. Now, both work as computer forensic analysts for ICE Homeland Security Investigations, Martinez for HSI Denver, and Gaertner for HSI Tampa."We never let each other go because going through something like that by yourself is hard enough and then having him by my side that whole time, I guess there's really no feeling or words that can describe having your best friend, your brother right there next to you throughout the entire journey," Gaertner said.They were brought on through the Human Exploitation Rescue Operative (HERO) program."The child exploitation cases are really close to my heart, close to everybody's heart, and it's just nice when you come home and know you made a difference today," he said.Gaertner said he's now worked on close to 300 federal and state cases, dealing with things like child exploitation, drug smuggling, and national security. He also helped in the aftermath of the shooting attack at Naval Air Station Pensacola.He said the past ten years have been a journey."Highs lows, accomplishments of conquering challenges, starting my family, marrying the love of my life, having a beautiful daughter together. It's just been a journey and something I don't take for granted because I shouldn't be here, but I am, and I'm trying to make the best of it," he said.He said his wife and daughter are his rocks. "With the challenges of 2020, the challenges over the last 10 years of my life, my daughter has been a blessing. We lost a daughter in 2018 and have been praying every day since then for the arrival of our daughter Callie now and on top of her I've prayed for a wife such as mine, and I couldn't have made it over the past few years without her," Gaertner said.His wife, Paige, said while Thanksgiving before was a day to acknowledge blessings, now it's also gratitude, celebrating Justin's life."I think Justin's greatest ability in life is to adapt and overcome, and to me and having a daughter now and him being a father, I think it's just an example to all of us that no matter what we go through, I mean losing his legs has been a huge trial in his life, but he has done it and overcame it like it was a blessing to him," she said. "And so he always makes the best out of every situation, and I think no matter where we are in life that it's important to remember that."On this Thanksgiving, Gaertner doesn't dwell on what happened to him on his Alive Day."I don't really think about it too much, I just think about everybody else that's serving and the sacrifices that they're making while I'm able to sit here and enjoy Thanksgiving with my family," he said.This story was first reported by Haley Bull at WFTS in Tampa Bay, Florida. 3798

SWANTON, Ohio - An Ohio father's message about bullying has gone viral. Matt Cox's daughter was suspended from riding the school bus on Nov. 30 due to bullying. Cox said his daughter told him that he had to drive her to school the following week, but he decided to teach her lesson instead. "I realized she viewed the privilege of riding the bus and or car rides to and from school as a right and not a privilege," Cox said. On Monday, Cox made his daughter walk to school and posted a video on Facebook saying, "Life lessons."In the video, Cox said a lot of children today feel that the things their parents do for them are a right and not a privilege. Cox said his daughter was upset when she first started walking on Monday.During the walk, Cox talked to his daughter about how her actions were the reason she was walking. He said by the end of the walk she calmed down and realized that if she hadn't bullied others she would still be on the bus. The video has been shared more than 200,000 times. Cox said he was shocked when he found out the video went viral. "I was in complete shock that so many people responded when I originally posted it. I just thought friends and family would see it, and then a friend asked me to make it public so that they could share it," Cox said. "By the time I woke up the next day I had hundreds of messages in my inbox and saw that there were quite a few views."Cox said he sat down with his children to show them the comments on the video so that they could understand the effects of bullying. "She, along with my other two children, seem to show a great deal of empathy towards some of the sad stories that I read with them," Cox said. He believes his daughter learned her lesson about bullying and will now appreciate the bus ride to school.Cox hopes that when others view the video, they will learn just how much words can hurt others. "I just hope that through the video being shared kids can take a look and read some of the comments and tutorials on the post and see just how much words can hurt and cut deep and can have lasting effects on those involved sometimes in the most awful cases life-ending effects," Cox said. "I also hope that parents see the video and start holding their kids accountable for their actions and stop sweeping their child's actions under the rug with the ideology that kids will be kids. We as parents need to stop the bullying on the home front because bullying only breeds bullying," Cox said.  2579

Survivors of last month's deadly school shooting in Parkland, Florida, are preparing to take their fight for stricter gun control laws to Washington.This week's March for Our Lives is the culmination of a monthlong effort to honor the 17 students and faculty members killed at Marjory Stoneman Douglas High School, and rally Americans across the United States to say enough to gun violence.With momentum from the National School Walkout still going strong, students are demanding that their voices be heard. 515

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

Take a peak into Jamya Wiley's world."I'm a varsity cheerleader, I'm on the varsity track team, varsity cross country team, I'm in the national honor society," Wiley said. At 17-years-old, the shy but joyful teenager is on a mission."College is really expensive," she said.From an early age Jamya decided to hit the books and now her years of hard work and weighted 6.1 GPA are paying off.The Fort Pierce, Florida teen has earned more than million in scholarships."It was amazing to know that I was that, I was the top person, that I got the most amount of scholarships out of any student that ever attended Lincoln Park," she told Scripps station WPTV in West Palm Beach, Florida. Jamya said she knew success was in her future, but others couldn't always see it."At honor roll ceremonies, or things where I would get awards, people would come up to me and say, 'wow'. I would appreciate it, but it was kind of like they didn't expect it or it's uncommon," she said. The million in scholarships won't make Jamya take it easy. The Lincoln Park Academy student said she's setting new goals."That all and all encourages me to just do my best and encourage other kids that look like me to do their best so that we can change the story," she said. Jamya has five colleges on her final list and she expects to choose one this weekend. She also recently found out she won the Bill and Melinda Gates full ride scholarship.  1479

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