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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 Fleetwood Mac singer and guitarist Lindsey Buckingham is suing the band for making him go his own way.In court documents obtained by CNN, Buckingham claims that lost an estimated million in upcoming tour proceeds?after he was involuntarily expelled from Fleetwood Mac in January. He is suing Stevie Nicks, Christine McVie, John McVie and Mick Fleetwood for breach of fiduciary duty and breach of oral contract.It's not entirely clear what led to Buckingham's departure from the group, though his suit outlines debate about touring schedules.Fleetwood Mac was originally founded in 1967 by Peter Green and was named after two of its band members, Fleetwood and John McVie. Green left the band in 1969. Buckingham joined in 1974, the same year as Nicks, Fleetwood Mac's lead singer.Buckingham wrote some of the band's most well-known songs, including "Go Your Own Way," which was the lead single off the band's highly successful 1977 album, "Rumours."Fleetwood Mac has had a tumultuous history. The group took a hiatus in 1982 and when they agreed to go back on tour in 1987, Buckingham backed out at the last minute. In 1998, Christine McVie left the band and later rejoined in 2014."Everything that we wore on our sleeve, the discord and nature of the band, was the people breaking up, the dysfunction," Buckingham told CNN at a MusiCares event, days before he found out the band would be touring without him. "Right below all of that dysfunction is a great, great deal of love."CNN has reached out to Buckingham and Fleetwood Mac's representatives for comment. 1585

Finding mental health resources in a small town can be a challenge, and in a time when more people are isolated inside their homes, that support is more important than ever before.“I’m 28 years old. I deal with depression. I have bipolar disorder, I have epilepsy, I’m schizophrenic, and I have multiple personalities,” said Sam, a father who meets with a group from the Mental Health Center in Hagerstown each week to help him get his symptoms under control.Sam is one of several adults struggling with mental health disorders who come from all over a rural Maryland county to heal as a group.“We are kind of a beacon of light for others who need help,” said Tamara Warfield, the Adult Psychiatric Rehabilitation Program manager.That help is offering a support system in places where people are geographically isolated, making their symptoms even tougher to deal with.“It’s hard getting the help that you need when you have mental health issues,” said Sam. “If it wasn’t for this group, I wouldn’t be out in the community. I would be home, not doing anything.”Finding connection is not only key to helping these men and women overcome their mental health symptoms, but it’s also key to overcoming the stigma they face every day—a stigma that’s often harsher in rural communities.“We want to be treated like everybody else, not like we’re stupid or special,” said Sam. “We just want to be treated like a regular person—to go out and communicate with people, make friends with people.”“We help folks that have cancer or any type of physical disorder, so why shouldn’t we reach out to those who have a mental illness? It’s no different,” said Warfield.Health care workers in smaller communities already deal with fewer resources. But for mental health treatment, it’s even tougher. There is a shortage of mental health care workers in rural communities, fewer transportation options to get to services, and more widespread poverty.The U.S. Department of Health and Human Services said these factors combined contribute to the suicide rate being nearly twice as high in the most rural counties compared to urban areas.“If you don’t have those basic needs like housing food, and finances, you’re not going to be able to care for your mental health. You’re just trying to survive to get to the next day,” said Warfield.Warfield and her team at the Mental Health Center are doing everything they can to fight that statistic by providing transportation to services and doing telehealth visits during the pandemic. However, there's always the fear they won’t be enough.“I’ve seen so many folks come in who have hit rock bottom,” said Warfield. “They haven’t had services in so long their symptoms are taking over and they can barely function.”To those Warfield does see, her help is not just life-saving, it’s life-starting.“I never finished school because of my mental health issues, but right now I’m working on getting my GED, so that I can be a better person for my kids," Sam said. "And that’s one of my big goals is being a better person for my kids, for my family, and they’re helping me with that. They’re helping me be a better person."If you'd like resources to help improve your mental health, click HERE. 3216

Following his briefing by his national security and foreign policy agency review teams "on their findings and key challenges that the Biden-Harris administration will inherit," President-elect Joe Biden said the transition into the White House has been met with "roadblocks" from Trump's administration.WATCH RECAP:Biden said his team has not received cooperation from the Office of Management and Budget and the Defense Department calling it "nothing short of irresponsibility.""We've encountered roadblocks from the political leadership of the Department of Defense & the Office of Management and Budget. Right now, we're just not getting all the information that we need from the outgoing administration in key national security areas. It's nothing short, in my view, of irresponsibility," Biden said.Biden also spoke about the recent massive cyberattack that breached numerous government agencies."We need to close the gap between where our capabilities are now and where they need to be, to better deter, detect, disrupt and respond to those sorts of intrusions in the future," Biden said.One of the key challenges Biden spoke about was rebuilding the full set of instruments of foreign policy and national security, which will start with our diplomacy."Today we heard from the leaders of the state and USAID agency review teams about the critical early investment we'll need to make in our diplomacy, in our development efforts and in rebuilding our alliances, to close the ranks with our partners and bring to bear the full benefits of our shared strength for the American people," Biden said.Christoper Miller, who is leading the Pentagon in an acting role, disputed Biden's claims on Monday. "The Department of Defense has conducted 164 interviews with over 400 officials, and provided over 5,000 pages of documents – far more than initially requested by Biden’s transition team," Miller said. "DOD’s efforts already surpass those of recent administrations with over three weeks to go and we continue to schedule additional meetings for the remainder of the transition and answer any and all requests for information in our purview. Our DOD political and career officials have been working with the utmost professionalism to support transition activities in a compressed time schedule and they will continue to do so in a transparent and collegial manner that upholds the finest traditions of the Department. The American people expect nothing less and that is what I remain committed to.” 2510

Ford decided to move the unveiling of the 2021 Bronco after realizing the original reveal date of July 9 was O.J. Simpson’s birthday.In a statement to E.W. Scripps, the carmaker said that the original July 9 date was purely coincidental.“The previously targeted date of July 9 unintentionally coincided with O.J. Simpson’s birthday," Ford officials said in a statement. "We wanted to be sensitive and respectful of this concern.” 437