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Former Arkansas high school teacher Jessie Lorene Goline, 25, is accused by law enforcement of having sexual relations with four high school students in 2016, the Arkansas Democrat-Gazette reported. Goline was formally charged on Wednesday with one count of first degree sexual assault, according to online court records. The Democrat-Gazette reported that only one of the four students were under 18 at the time of the encounters. Authorities told the Democrat-Gazette that Goline allegedly had sex with two students she had taken to her apartment on the same day.In the affidavit, Goline believed one of the students was 18 but he was not. Three of the male students were from the Marked Tree School District, and one was from the East Poinsett County School District. They told authorities that they received text messages from Goline, and that their conversations became more sexual over time. Authorities learned of the alleged incidents in April when a parent threatened to “do bodily harm to one of their teachers.” That's when one of the parents came forward. Goline, who was released later on Wednesday, faces a judge in October.  1217

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 Democratic presidential candidate Hillary Clinton sent mixed messages when she said she did not want to run for president again, but after hesitating she added that she would like to be president someday.When asked by tech magazine Recode's Kara Swisher at a taping Friday of the Recode Decode podcast whether she wanted to run for president again, Clinton said, "No, no."But after a pause and some prodding from Swisher, Clinton said, "Well, I'd like to be president.""I think, hopefully, when we have a Democrat in the Oval Office in January of 2021, there's going to be so much work to be done," she elaborated, later adding, "The work would be work that I feel very well prepared for, having been at the Senate for eight years, having been a diplomat in the State Department, and it's just going to be a lot of heavy lifting."When Swisher asked whether Clinton would be doing that heavy lifting, Clinton replied, "Oh, I have no idea. ... I'm not even going to even think about it till we get through this November 6 election about what's going to happen after that."Swisher tweeted Monday morning that Clinton seemed to mean she would have preferred to win the presidency in 2016, not that she planned to pursue it again."Tweeps, simmer down!" Swisher tweeted. "While it perhaps sounded like @HillaryClinton refused to rule it out, my take is she was basically implying she wishes she were president but doesn't relish running again." 1468

Friday, August 7 is International Beer Day, and Miller Lite is celebrating by giving away free beer in certain towns around the country.The current pandemic has stopped the majority of international travel, so Miller says they are refunding the cost of a 6-pack of Miller Lite in cities that are named after countries. Places like Trinidad, Colorado or Germany, Pennsylvania.Miller is refunding the cost of a 6-pack bought on Friday in one of the listed cities below. Customers have a week to upload their receipt on their website.They are also bringing a semi truck full of beer to Scotland, South Dakota to celebrate International Beer Day.Cities include:Marshall, AKRussian Mission, AKWales, AKTrinidad, CAGrenada, CAMonaco, CATrinidad, COLebanon, CTScotland, CTScotland, GAMalta, IDBelgium, ILCuba, ILLebanon, ILMacedonia, ILMalta, ILPalestine, ILPanama, ILPeru, ILMacedonia, IANorway, IAPanama, IAJamaica, IACuba, KSLebanon, KSPeru, KSLebanon, KYCanada, KYPeru, MELebanon, MEMexico, MESweden, MEPoland, MEDenmark, MEChina, MENorway, MEScotland, MDPeru, MAWales, MANorway, MIEast Jordan, MIChina, MIFinland, MNSaint Vincent, MNGrenada, MSMalta, MTJordan, MTLebanon, NEPeru, NEPanama, NELebanon, NJLebanon, NHCuba, NMAngola, NYDenmark, NYMexico, NYJamaica, NYPanama, NYRussia, NYMalta, NYCuba, NYGreece, NYPoland, NYSweden, NYJordan, NYPeru, NYMalta, OHPoland, OHPanama, OKJapan, PAGermany, PANorway, SCDenmark, SCLebanon, SDScotland, SDDenmark, TNJamaica, VTPeru, VTTrinidad, D.C.Denmark, WI 1503

Four states have approved legalizing marijuana. The measures are projected to pass in Arizona, Montana New Jersey and South Dakota. In Arizona and New Jersey measures would make recreational use of marijuana legal for people 21 and older.The Arizona measure also allows people convicted of certain marijuana crimes to seek expungement of their records. Lawmakers in New Jersey were unable to pass legislation about marijuana and eventually put it on the ballot for voters to decide.Marijuana is still illegal on the national level, however 11 states and the District of Columbia have already legalized it and sell it without interference from the federal government. 674