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FLORIDA — Schools across Tampa Bay will see noticeable changes to security during the final days of school following Friday's deadly school shooting in Santa Fe, Texas.HILLSBOROUGH COUNTY 195

Former Vice President Joe Biden paid tribute to the late Sen. John McCain in Phoenix in a speech at his memorial service on Thursday, sharing personal stories about their time together in the Senate and lamenting disorder and division in the chamber that McCain fought to repair."We both loved the Senate," said Biden, who mourned the fading of bipartisanship in the chamber over the years. "We both lamented, watching it change."Biden and McCain used to sit next to each other during long debates in the 1980s and '90s. In 1996, they were each told independently by members of their own parties that their visible friendship didn't look good. 651

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 Vice President Joe Biden told supporters Tuesday night to "keep the faith" and have patience, as results trickle in from around the country. Biden spoke from his Delaware home just before 1 a.m. ETCar horns could be heard during his short speech, a familiar sound from Biden's drive-in rallies during the final weeks of the campaign. "We feel good about where we are," Biden told supporters, referencing recent projected wins in Minnesota and what Biden says are positive trends in Pennsylvania and other battleground states. Biden also repeated a sentiment he had shared earlier in the day, as he thanked supporters for their patience. “Presidents don’t decide what votes are counted and not counted; voters determine who’s president.”His comments were a little bit of a surprise, given several key states had not been called yet and Biden's comments earlier in the day.When asked if he would give a speech Tuesday night, Biden simply told reporters, “If there’s something to talk about tonight, I’ll talk about it,” according to the Washington Post.Shortly after Biden's speech, Trump addressed the nation from the White House and falsely claimed victory, and vowed to send the outcome of the Supreme Court should the results prove he lost. In a statement, Biden campaign manager Jen O'Malley Dillon called the comments "outrageous, unprecedented and incorrect." There had been some questions earlier in the day whether Trump or Former Vice President Joe Biden would give any speech Tuesday night. There has been warnings all week it could take longer for states to count record-levels of mail-in ballots and in-person votes, and there may not be a winner projected in the presidential race Tuesday night.During a stop at his campaign headquarters, President Donald Trump said he was not thinking about any speeches Tuesday night yet.When asked if he had prepared one, he said, “No, I’m not thinking about a concession speech or acceptance speech yet. Hopefully we’ll only be doing one of those two. And you know, winning is easy, losing is never easy, not for me it’s not.”However, Tuesday night, Kellyanne Conway told ABC News the president is planning on giving a speech."You will hear from the president tonight," Conway said when asked if Trump would talk. "The President is expected to address the nation later from the East Room of the White House," Conway explained, adding that four years ago, Trump gave his speech at around 3 a.m.No word what time the president will talk. 2500

Fox News announced Friday that President Donald Trump has agreed to conduct his first on-camera interview since his COVID-19 diagnosis with conservative pundit Tucker Carlson.In addition to an interview with Carlson on his 8 p.m. ET show, Fox News reports that Trump will receive a "medical evaluation" from Dr. Marc Siegel, a physician and contributor to Fox News.Trump has not appeared live on camera since he walked out of Walter Reed Medical Center on Monday evening, though White House has released a series of recorded videos featuring the President.Trump's interview with Carlson will be the latest in a string of interviews with conservative media outlets friendly to the President. Trump called into Fox Business on Thursday morning and spoke with Fox News' Sean Hannity over the telephone on Thursday evening. Trump also conducted a lengthy appearance on talk show host Rush Limbaugh's radio program on Friday afternoon.At a few points during his interview with Hannity on Thursday night, Trump had to stop talking in order to cough, and at points sounded hoarse.Trump has said he would like to return to the campaign trail as early as Saturday, and White House doctors cleared him to do so in a letter released Thursday. Trump initially announced he had tested positive for COVID-19 in the early morning hours of Oct. 2, though White House officials have declined to make public the date of the President's last negative test.The Centers for Disease Control and Prevention say those with COVID-19 should remain quarantined until 10 days after symptoms first appear, but only after the patient has been free of fever for 24 hours (without the use of medication). 1680

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