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RICHMOND, Va. — Despite a recent extension of student loan relief, experts suggest borrowers should begin preparing now for repayments to begin."The best thing you can do right now is to set a plan forward for your repayment," said Andrew Pentis, who works with LendingTree. "It's possible that this moratorium could be extended by the Biden administration or the newly-elected Congress. But Biden takes office on Jan. 20 and the current moratorium is expected to end right now at Jan. 31. So that only leaves you know less than two weeks for a decision to be made on whether the moratorium will be extended."Pentis said that since March, millions of student loan borrowers have been given an administrative forbearance, which suspended payments and interest and stopped collections on all defaulted student loans. He said borrowers with government-held federal student loans did not incur penalties during the moratorium."If you have an eligible federal student loan and you're seeing any of those negative impacts such as your credit score being affected your credit report showing and delinquent account, it's best to contact your federal loan servicers," Pentis said.For borrowers struggling to afford payments, Pentis suggested they enroll in an income-driven repayment plan to lower monthly payments. "You could also pause your payments via a deferment for unemployment or other economic hardship reasons," he said.He said hoping the government will simply wipe away the more than trillion in student loan debt is not a wise option."There are billions of dollars worth of private student loans and student loans that are no longer in the hands of the federal government," he said. "So even if both major political parties got together and decided this is what they wanted to do, it's unlikely that we would see more than a trillion dollars actually went away."While Pentis says it is best to plan to restart payments at the end of January, reports surfaced on Thursday that Congress is close to striking a deal on more COVID-19 stimulus that could include more student loan relief.This story was originally published by Shelby Brown on WTVR in Richmond, Virginia. 2181

SACRAMENTO, Calif. (AP) -- Gov. Gavin Newsom for the first time is using his new powers to withhold money from two cities in California's Central Valley that are defying state health orders by allowing all businesses to open.The state is withholding nearly ,000 from Atwater and more than ,000 from Coalinga. It's just the first part of .5 billion that cities and counties risk losing if they don't toe the line on coronavirus safeguards.Atwater's mayor says the governor is abandoning the small city even as he devotes more resources and federal money to combat a virus surge in the Central Valley. 615

Rural hospitals across the country are in a difficult spot right now. COVID-19 is hitting them harder than many metropolitan hospitals as they deal with issues of lower staffing.According to the National Center for Biotechnology Information, about 20% of our nation’s population lives in rural areas, yet less than 9% of our nation’s physicians practice there.Add on the fact that according to CDC data, COVID is killing rural Americans at a rate 3.5 times higher than those living in metropolitan areas, and this issue is affecting staff and patient care.“I’m very worried about rural health care because rural health care is teetering on the brink right now,” said Dr. Kurt Papenfus, an ER doctor at Keefe Memorial Hospital in rural Cheyenne Wells, Colorado. “There’s a darkness in this illness that I can’t say I’ve said about any other illness.In late October, Dr. Papenfus contracted COVID-19 as he was traveling back from the Northeast to visit his daughter.“I was very cognizant and was wearing a mask at all times, social distancing, and washing my hands,” Papenfus said. “But I remember having this thought on the train that this is a super-spreader event.”When he got home, Papenfus got tested and was confirmed positive for COVID-19. The diagnosis put Keefe Memorial in a tailspin as he served as the only ER doctor in the small 25-bed hospital.“We are a trauma level four hospital so keeping that physician on staff 24/7 is what we are required to do,” said Stella Worley, Keefe Memorial’s CEO. “And it is getting to be more of a challenge to have hired physicians out here in rural [America].”Within minutes of learning of Dr. Papenfus’ COVID-positive diagnosis, Worley was on the phone with several different hospitals working to find a replacement. Within a few hours, they had settled on a former ER doctor who moved to another hospital in Texas a few months prior.After she agreed, Keefe Memorial paid the doctor to drive 10 hours from Texas to Colorado and fill in immediately as Papenfus recovered at home for the next two weeks.“Worst-case scenario is you would have to divert patients if there’s no one in the door to care,” said Worley.Populations in rural America tend to be older, poorer, and less insured than the nation at large, according to the National Conference of State Legislatures.Since 2010, hospital closures in rural America have been growing as there have been 118, including 17 last year.The closures only exacerbate a growing lack of health care coverage in rural America, said Dr. Dan Derksen, a rural health care expert and family physician“Once a critical access hospital (25 beds with a 24/7 emergency department and at least 35 miles from another facility) closes, they almost never come back,” he said. 2756

ROCKVILLE, Md. — It’s been a long, empty year at many schools across the country and for those who work there.“It has been one of the most watershed year in my 30-some years of education that I've ever seen,” said Karin Tulchinsky Cohen, an assistant principal at Beall Elementary School in Montgomery County, Maryland. Montgomery County is home to the largest school district in the state. The more than 11,000 teachers in the district, like many all over the world, face tough challenges brought on by virtual learning.“Their stress levels have been very, very high,” she said.Recognizing that, the school district partnered with Kaiser Permanente for “RISE,” which stands for “Resilience In School Environments,” part of their Thriving Schools program to offer more programs and resources to help teachers improve their own mental health and coping abilities.“The effort of just having to overdo it on the screen so that your students can stay engaged, one, and continue to learn. I mean, they've just had to grow their repertoire so much,” said Erin VanLuven, a licensed clinical social worker at Kaiser Permanente.Some of what they do also involves yoga and virtual dance parties.“People that can regulate their own emotions when crisis comes into their life, you know, they are much more able to be effective and efficient and they're much more likely to bounce back,” VanLuven said.Among VanLuven's three main suggestions to strengthen mental health are the following:Make sure to give yourself a “bio-break,” which includes deep breathing or even stretching for a few minutesTry to eat at least two healthy meals a day that include fruits and vegetables, because that impacts your overall health, including mental healthTake up a hobby you enjoy and do it“Everybody should be taking care of their emotional wellness, and it doesn't really take much more than 10 to 30 minutes a day,” VanLuven said.For educators, the advice and camaraderie with fellow teachers have helped. Kaiser Permanente is working with school districts in the Washington, D.C. and Baltimore areas, with plans to expand those programs elsewhere.“I am so proud of the teachers in my school and all teachers,” said Tulchinsky Cohen. “They have adapted so beautifully.”It’s a way of adapting to a new way of doing things, for now. 2314

ROME (AP) — Pope Francis says the coronavivrus pandemic had proven that the “magic theories” of market capitalism have failed and that the world needs a new type of politics that promotes dialogue and solidarity. Francis laid out his vision for a post-COVID world by uniting his social teachings into a new encyclical. The document was released Sunday on the feast of his namesake, the peace-loving St. Francis of Assisi. In it, Francis rejected even the Catholic Church’s own doctrine justifying war as a means of legitimate defense, saying it had been too broadly applied. He also cited the loss of millions of jobs in the pandemic as a reason to craft more just social and economic policies. 702