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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

TENINO, Wash. – George Washington’s face may be on U.S. currency, but never on money quite like this.“We've created our own,” said Wayne Fournier, mayor of Tenino, Washington.It’s a town of about 2,000 people, halfway between Seattle and Portland. Using a printing press from the 19th century, Tenino is now printing its own form of currency, made of thin pieces of wood.“We're growing money on trees here,” Mayor Fournier said. “Literally.”It’s called “complimentary currency” or “scrip.” Here’s how it works: using ,000 from the general fund, the city is backing the wooden notes, 400 of them in all, and giving them to town residents in need.“We issue it out to people that have been affected by the pandemic and qualify financially,” Mayor Fournier said. “They can receive up to 0 a month.”In turn, people can spend the wooden money, but only in town, at businesses that signed up to participate in the program. Those businesses can then redeem the wooden money back at City Hall for real U.S. dollars.“I thought it was a really good idea,” said Juan Martinez, of Don Juan’s Mexican Kitchen in Tenino.The restaurant has been around for eight years, but the pandemic affected its bottom line and that of people in town, too. So far, though, the wooden money is getting around.“I've had quite a few people come in and, you know, they hadn't gone out to dinner in a while because they were laid off of work,” Martinez said, “and when they got it, had a few people come in and enjoy lunch with their families and were able to pay with the wooden money.”It’s a currency circulation that the mayor wants to keep going.“The whole idea is just to keep money bouncing around the community,” he said.The town has done this before, back in the 1930s, during the Great Depression.“It was a big hit and it saved the city at the time,” Mayor Fournier said.It’s an old lifeline they hope will keep working again in a new era.City leaders say they have been fielding calls from as far away as Spain, New Zealand and Japan from people interested in their wooden money. They say, so far, the U.S. Treasury Department has not contacted them about their wooden money program. 2177

Texas Republican Sen. Ted Cruz appears well-positioned for re-election over his Democratic challenger Rep. Beto O'Rourke, topping him 52% to 45% among likely voters, a new CNN poll conducted by SSRS finds.Just 9% of likely Texas voters say there's a chance they could change their mind about the Senate contest before Election Day, although O'Rourke's voters are more apt to be locked in to their choice (92% say their minds are made up) than are Cruz's backers (87% say they've made a final decision).The two candidates are set to debate Tuesday night, and O'Rourke will participate in a CNN town hall later this week. O'Rourke's challenge has drawn tens of millions in donations, forcing Republicans to play defense in one of the few Republican Senate seats in play this election cycle. President Donald Trump even plans to host a rally for his former rival's benefit.The President could be an asset among those planning to vote in Texas. Trump's approval rating is net negative statewide, with 50% of adults disapproving of his handling of the presidency vs. 41% who approve. Among likely voters, however, 49% approve of Trump's job performance and 48% disapprove.The gender gap in this race is tighter than what CNN has measured in nationwide polling on the House generic ballot and in other Senate contests. In four other critical battlegrounds, the gender gap has been 30 points or higher in three states, and stood at 21 in the fourth. In this contest, it's a narrower 18 points. O'Rourke holds just a 2-point edge among women, the smallest for a Democrat among women in the states CNN has polled so far. The next closest is Jacky Rosen's 14-point lead among women in Nevada earlier this month in her race against Republican Sen. Dean Heller.In Texas, the race gap appears more meaningful than the gender gap. Latino voters break sharply in O'Rourke's favor, 62% to 35%, while white voters favor Cruz by a 2-to-1 margin, 66% to 33%.Likely voters in Texas place immigration at the top of their issue list: 26% call it the most important issue in deciding their vote, while 23% call the economy their top priority. Cruz leads among both sets of voters. O'Rourke has a wide edge among the 19% of voters who call health care their top issue. Eleven percent say their top issue is national security, 8% gun policy and 5% the investigation into Russian interference in the 2016 election.Both Senate candidates hold net-positive favorability ratings with voters in Texas generally, and that holds among those most likely to vote. Cruz is viewed positively by 51% of Texas voters, 41% have an unfavorable view, and O'Rourke is seen favorably by 45%, with 36% holding a negative opinion. Cruz fares better among his own partisans (92% favorable among Texas Republicans) than O'Rourke does with Democrats in the state (81% favorable among Democrats).The poll also finds Texas Gov. Greg Abbott standing well ahead of his Democratic challenger in the poll -- 57% of likely voters support Abbott with 39% for Lupe Valdez.The CNN poll in Texas was conducted by SSRS October 9 through 13 among random statewide samples reached on landlines or cell phones by a live interviewer. Results for the full sample of 1,004 adults have a margin of sampling error of plus or minus 3.8 percentage points. For the subset of 862 registered voters, it is plus or minus 4.1, and for the 716 likely voters, plus or minus 4.5 percentage points. 3447

Stephanie Clifford, the porn star known as Stormy Daniels, discussed her alleged affair with Donald Trump during a May 2007 radio appearance, a well-known Florida radio personality told his listeners Friday.Bubba the Love Sponge Clem, known as Todd Clem before he legally changed his name in 1999, played portions of the interview on his radio show Friday and Monday, in which Daniels was asked to write down the names of famous men she had slept with. Clem says the first name on that list was Donald Trump. Although neither Daniels nor the host says Trump's name in the 2007 audio, she can be heard describing key details that match the description of her alleged affair with Trump.Clem said on his radio program that Daniels was talking about Trump, and later verified the same information to CNN. CNN independently corroborated the story with another person who was in Clem's studio that day, who would speak only on the condition of anonymity. That person also said Donald Trump's name was the first on Daniels' list.This would be the earliest known instance of Daniels publicly discussing the alleged affair.CNN obtained a full recording of Daniels' May 16, 2007, appearance, which matches the clips Clem played on air Friday.Michael Avenatti, a lawyer for Daniels, declined to comment and said Daniels would not be commenting.A spokesperson for the White House referred all questions to the President's outside lawyers. Trump's personal lawyer, Michael Cohen, did not return a request for comment. Cohen has said previously that Trump "vehemently denies" any affair.Cohen has admitted that he used 0,000 of his own money to pay Daniels.A lawsuit filed last week by Daniels says the money was part of a "Hush Agreement" to keep her from speaking publicly about an alleged affair with Trump. The lawsuit argues that the agreement is void because Trump never signed it.White House press secretary Sarah Sanders told reporters last week that the matter with Trump and Daniels has been put to rest, saying, "I can share that the arbitration was won in the President's favor. I would refer you to the President's outside counsel on any details beyond that."Clem told his listeners in January that he had removed the appearance from his archives, the website Bubba Army Radio, because he didn't want any unwanted attention in advance of an upcoming federal court case with Nielsen over alleged ratings tampering by Clem.Clem declined to be interviewed for this story, citing a pending civil matter, but provided CNN with a statement: "This interview happened in May 2007. I only asked the questions. Stormy answered them. I wish her and our President nothing but the very best. I don't think it's that big of a deal. We need to stop worrying about the past and focus on the future. President Trump is our President, regardless of who he slept with 12 plus years ago. The media and haters need to get over it."In the clips Clem played of the 2007 episode Friday, Daniels can be heard describing an affair she had with a wealthy man that took place in Nevada less than a year before her radio appearance. The details match with those in the lawsuit filed by Daniels last week. In that suit, Daniels alleged she had an "intimate relationship with Mr. Trump in the Summer of 2006 in Lake Tahoe and continued her relationship with Mr. Trump well into the year 2007.""Can you write down a name and we won't say it on air, for our own personal reasons," an unidentified co-host (not Clem) says to Daniels in the 2007 appearance. "We've done this before. We won't mention it on the air. We won't say any clues."When the name is shown, the hosts can be heard saying "no way" and "wow." An assistant of Daniels, identified by the name of Cheryl, can be heard verifying the affair happened when asked if it was true."Be careful on this one. Do not say a word," Clem can be heard saying, cautioning Daniels and his co-hosts to not speak the man's name.Daniels, when asked how long the affair took place, added that it lasted "less than a year."Later in the show, Clem plays short clips of Daniels responding to questions over the alleged affair. Daniels said the tryst took place in "Nevada, but not Vegas." At the prodding of the radio hosts she says it was in Lake Tahoe, which is where Daniels first encountered Trump at a celebrity golf tournament in 2006.She said she found it "horribly embarrassing" that this person was the best in bed of the three people on her list and added that the person contacted her "twice a month."She later added that there was no money exchanged."There was no exchange of money," said Clifford. "I'm sure if he had felt the need to graciously help me I would have put it in my purse." 4718

Target announced Monday that it will not open stores on Thanksgiving this fall due to the coronavirus pandemic.The chain follows in the footsteps of Walmart, who made a similar announcement last week.Target added in its press release that it plans to extend holiday sale prices by several weeks. The company said Monday that holiday sales will begin in October, both online and in-store."This season, you can count on getting extra-big savings without the extra-long lines, with plenty of opportunities to score the best deals on the hottest items both before and after November 26," the company said in a press release.The retail giant also said Monday that it was adding an additional 20,000 items to its pickup and delivery services, including groceries and fresh produce. 783

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