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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

Cited under Arizona's Stupid Motorist Law and slammed with four tickets, a Scottsdale man who drove into deep water learned a lesson Sunday night.Cooper Moore, 20, said he was close to home and he did not see how deep the water was in the roadway, so he decided to drive through the barricades in place. RELATED: How much water does it take to wash a car away?Moore said he quickly realized that was a mistake when the water reached halfway up his tires. "I just thought it was more convenient going through this and I didn't think...I didn't see how powerful the water was at the time," Moore explained. "And when I got to that point where my car is, I tried to go in reverse, but it stalled and my engine just shut off and I needed to get rescued."Moore said he escaped out the window and sat on his car while he waited for help to arrive. He said they walked him to safety but then handed him four tickets. Moore said while he understands what he did was wrong, he thinks rescue crews were a little harsh with him."I think they gave me a little too many consequences for that," Moore said. "And they said that I brought a lot of people out there and it was a Sunday night and I understand that I may have ruined some people's nights, but it's just a small mistake."Under Arizona's Stupid Motorist Law, a driver can be forced to reimburse rescue crews for their efforts to get a person to safety if they ignored barricades. It is a law that is on the books but is rarely enforced.  1531

CORONADO - San Diego residents and visitors say they are feeling the psychological impacts of the falling stock market when it comes to their investing and spending. The Dow Jones Industrial Average dropped more than 650 points on Monday, its worst Christmas Eve performance ever. "My IRA is hurting," said James Adams, going to lunch in Coronado. "I can't really do too much. It's too late to move money around now so we just have to weather it and hope it goes back up."The Dow has dropped 15 percent in the last three weeks, pushed by political gridlock leading to a government shutdown, trade wars, amid rising interest rates. Alan Gin, an economist at the University of San Diego, said people tend to spend more when the stock market is doing well because they feel wealthier. However, the opposite happens when the market is on the downswing. Paul Aliu, visiting from Washington D.C., said it's scary for him to check his 401(k). He said he was reconsidering a trip to the Zoo after he found out the ticket was more than . "I'm watching every dollar and every penny that I spend," he said.Dennis Brewster, a San Diego financial adviser, said it's important to think long term and not panic. Selling now locks in any losses. "It's hard to keep your perspective when we're in the middle of these declines," he said. "I encourage people to keep a longer term view." 1379

CORONA, Calif. (AP) — A gunman opened fire inside a Southern California Costco during an argument Friday night, killing a man, wounding two other people and sparking a stampede of terrified shoppers before he was taken into custody, police said.Police swarmed the Costco after shots were reported at the huge store about 50 miles (80.5 kilometers) southeast of downtown Los Angeles.Witnesses told KCAL-TV that a man with a Mohawk haircut was arguing with someone near a freezer section when he pulled a gun and fired at least six shots.The man involved in the argument was killed and two other people were wounded, Corona police Lt. Jeff Edwards said. In a release issued after 1 a.m. Saturday, Corona police said their conditions were unknown.The suspected gunman was apprehended, said he was injured and was taken to the hospital, Edwards said.No identities were immediately released. One of those hospitalized was an off-duty officer from another agency. Police said the name of the deceased won't be released until the Riverside County coroner notifies family.Shoppers and employees described terror and chaos as the shots rang out.Christina Colis told the Riverside Press-Enterprise that she was in the produce area when she heard six to seven shots and hid with other shoppers in a refrigerated produce room. She said her mother saw people injured on the floor.Will Lungo, 45, of Corona, said he and his wife were near the produce and alcohol sections when he heard gunshots."I thought maybe someone dropped a bottle of wine, but then I kept hearing shots," Lungo told the Press-Enterprise. "An employee came in and helped us out through the emergency exit."Witnesses told KCAL-TV that shoppers and employees rushed to the exits. The station reported that, at one point, more than 100 people were outside the store. 1829

CORPUS CHRISTI, Texas — Firefighters are battling a major fire in Corpus Christi following a pipeline explosion along the city's refinery row.The blast happened just after 8:05 a.m. near Lantana and I-37, possibly at EPIC Products near Lantana and Navigation.Firefighters said the fire ignited a barge, which became fully engulfed. The fire then spread from the pipeline to the grain elevator.KRIS reports that multiple people during the explosion ended up in the water.CHRISTUS Spohn Shoreline representatives said they are treating four people from the explosion. The extent of their injuries is unknown at this time. Two victims are being flown to Brooke Army Medical Center burn units in San Antonio.Corpus Christi Mayor Joe McComb said there is a search and rescue operation for four people who are still missing.KRIS has learned that EPIC Products had a brand new pipeline built for loading. It was reportedly going in at the facility when there was a pipeline rupture at the barge loading dock.According to Lieutenant Marina Lyons with the US Coast Guard, a dredge struck a submerged pipeline causing a fire in the Corpus Christi ship channel. The owner of the barge said they had multiple employees working at the site at the time of the explosion.The Corpus Christi Police Department has closed off Lantana Street to traffic as crews work to contain the inferno. 1379