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President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

RAMONA, Calif. (KGTV) — A local mother said her son and another teenager were attacked during a Black Lives Matter protest in Ramona.Heidi, who wanted to use only her first name, said her son Miguel had been peacefully protesting during the first week of June. Miguel recently graduated from high school. “I feel like our new generation is going to change something in the future,” he said.During the protest on June 5 in Ramona, he and his mother said men attacked him and his friend. She said the attack was unprovoked. RELATED: Man says he was sucker punched at Imperial Beach protestIn video sent to ABC 10News, the unidentified man yelled, “I’m from Ramona!” He then punches a 16-year-old protester. Miguel said he moved his friend out of the way and that’s when the same man attacked him.“He hits me, I try to grab him so he won’t go away,” Miguel said. “Next thing… I get hit in the back. I was unconscious after that.”Heidi said the second hit came from a different man. She was at home when the Sheriff’s Department called her. “As a mother, it was very heartbreaking,” Heidi said.This is the second attack on protesters caught on camera that ABC 10News has covered recently. On June 7 in Imperial Beach, a man sucker-punched Marcus Boyd, a local businessman.Heidi said Miguel went to Pomerado Hospital with a concussion, sprained neck, and jaw. She is disappointed with where the Sheriff’s investigation stands. “Our officer was very, very nice. Are they doing all we think they should do? No.” Heidi said.Miguel plans to go to EMT school and eventually become a law enforcement officer. He said despite being attacked, he would still protest for causes he believes in.“I don't want my son to get hurt. but that being said, I'm not raising a man that's going to be afraid to voice his freedom of speech and liberty,” Heidi said.A Sheriff’s spokesperson told ABC 10News: “Deputies from the Ramona Sheriff’s Substation took a report about this incident. This is being investigated as a battery. As this is an open and active investigation, we can’t go into a lot of details to avoid jeopardizing the outcome of the case.” 2137

President Donald Trump's rebukes of Attorney General Jeff Sessions have included referring to him behind the scenes as "Mr. Magoo," The Washington Post reported Wednesday evening.Trump on Wednesday?lashed out again at Sessions?on Twitter for his oversight of the Justice Department.  311

RACINE, Wisconsin -- Manufacturer SC Johnson announced Wednesday that between 300 and 400 positions in the company would be eliminated due to an organizational change.The change was first announced to employees back in January, according to a statement from the company. Some of the eliminated roles were already open and will not be filled, while others will result in employees losing their jobs."Many affected employees" were notified Wednesday, the statement says."The company is healthy and our brands continue to be leaders in their categories," said Kelly M. Semrau, Senior Vice President – Global Corporate Affairs, Communication & Sustainability. "Other leading consumer packaged goods companies are doing the same as we all continue to respond to trends in the marketplace. Like them, we are doing this to maintain the company's health and leadership."Headquartered in Racine, Wisconsin, SC Johnson employs about 12,000 people worldwide. It was founded more than 100 years ago in 1886.The company "intends to provide generous severance and outplacement help" to affected employees. There's no word yet on how many Wisconsin employees will lose their jobs. 1197

Rep.-elect Alexandria Ocasio-Cortez on Wednesday backed House Democratic leader Nancy Pelosi to become House speaker next year once the party reclaims the majority in the chamber, so long as Pelosi "remains the most progressive candidate for speaker," a clear sign of support from one of the Democratic Party's rising liberal stars."All the challenges to Leader Pelosi are coming from her right, in an apparent effort to make the party even more conservative and bent toward corporate interests. Hard pass," the New York Democrat tweeted. "So long as Leader Pelosi remains the most progressive candidate for Speaker, she can count on my support."Ocasio-Cortez, a self-described democratic-socialist, has signaled she was open to backing Pelosi but her series of tweets Wednesday amounted to her strongest and clearest public statements to date supporting the Calfornia Democrat's would-be return to wield the speaker's gavel."I think she's a candidate to consider," Ocasio-Cortez said in June. "And I think when it comes to the leadership of the party that's a conversation that I have, you know, once I'm an elected member of Congress."And more recently, Ocasio-Cortez told Vice News last week that there's "an opening" to supporting Pelosi."I think there's an opening, for sure," Ocasio-Cortez told the publication.?"This is not about supporting or not supporting an individual. It's about making sure that we can get as progressive and aggressive of legislation as a party on climate change as quickly as possible."Ocasio-Cortez added Wednesday her hope that the party can pivot its focus toward their "priorities.""I hope that we can move swiftly to conclude this discussion about party positions, so that we can spend more time discussing party priorities: voting rights, healthcare, wages, climate change, housing, cannabis legalization, good jobs, etc."Pelosi needs a majority to be elected speaker of the House when the new Congress convenes. So far, there are 232 Democrats out of a total of 435 seats. Pelosi can only lose only a small number of Democrats, assuming all 200 current Republicans unite around their own candidate and against her. 2171