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RANCHO SAN DIEGO (KGTV) -- The boyfriend of a missing woman refused to take a polygraph test Monday - on the same day Arizona police arrested him for identity theft and forgery. Kiera Bergman was living in Phoenix when she went missing two weeks ago, but the 19-year-old grew up in San Diego. Monday night her father agreed to speak with 10News Anchor Ariel Wesler about the desperate search for Bergman. Bergman graduated from Valhalla High School in 2017. After her disappearance, family and friends launched the #bringKIERAhome campaign - passing out flyers and stickers to keep hope alive.  617

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

Protecting yourself from sickness has become a top priority for many people right now.Whether you're trying to steer clear of the novel coronavirus or germs in general, there are a few simple things families can do to keep their immunity in top form."First, it's important to remember that nothing you do is 100% guaranteed in preventing you from getting sick, but there are certain lifestyle changes you can make that can actually help your immune system react better when there are pathogenic invaders that would cause diseases," said SaVanna Shoemaker, a registered dietician with Healthline.Shoemaker and other experts overwhelmingly say getting enough sleep is number one."Making sure that you’re getting plenty of sleep,” said Shoemaker. Sleep and immunity are so deeply linked, so just getting adequate sleep can help you from getting sick as often.""When you have a disruptive sleep cycle and you're not getting good, adequate, restorative sleep, then our immune system takes a hit for that," said Joe Weydert, the Chair of Integrative Medicine at the American Academy of Pediatrics.She says younger children need nine to 11 hours of sleep, while teenagers could use eight to 10 hours.Also, watch out for stress. Consistent, high levels of stress can weaken your immune system."In these goofy times that we’re living in right now, we’re all experiencing high levels of stress. Kids may not say 'Oh mom, I’m stressed,' but they may manifest it by being more irritable or not sleeping well," said Weydert.Getting outside or prioritizing time to relax can help.Another major factor in keeping our immunity strong is our diet – eating rich, whole foods that are not processed. Probiotics can also help.As for supplements, "the thing you need to consider with supplements is there’s no guarantee. Now there are some supplements that some studies show may boost your immunity, but so far there’s no research in any supplement that shows it can prevent COVID-19," said Shoemaker.Vitamin D has a direct impact on our immune system, preferably straight from the sun. Elderberry is a supplement that's strongly recommended by many doctors for families, as it acts as a barrier to viruses."Other nutrients which I think are important are vitamin C and zinc. Those work together to help make what we call tight junctions in the epithelial cells. So, our epithelial cells need to be tight together so germs can't get through and vitamin C and zinc help maintain that tight junction with things," said Weydert.While supplements are certainly beneficial, experts advise getting the vitamins naturally through food. These tools are helpful in keeping your immune system at its best and a great addition to other safety measures like wearing a mask, washing your hands and social distancing as many do their best to avoid COVID-19. 2830

President Donald Trump was asked on Wednesday if he would commit to leaving office peacefully in January if he loses to Joe Biden in November.Trump’s response:“We're going to have to see what happens, you know I have been complaining very strongly about the ballots. And the ballots are a disaster,” Trump said.When pressed to elaborate, Trump added, "We want to get rid of the ballots, we'll have a very peaceful -- there won't be a transfer, frankly, there will be a continuation."Last week, Joe Biden said during a CNN town hall that he would accept the outcome once the full results are counted.“I mean, he never think -- can anybody any of you or history majors out there think of any president who said early on, ‘I'm not sure I'm going to accept the results of the election. It depends,’” Biden said. “I mean what's happened to us in this case, it's not who we are. This is not what America is. No presidents ever said anything like that.Trump has expressed doubt in mail-in voting during the 2020 election cycle, claiming that mail-in voting is prone to fraud. But many states, some of which are led by Republicans, are ramping up mail-in voting efforts. Proponents of mail-in voting say that it is a safer alternative than in-person voting given the coronavirus pandemic.Meanwhile earlier this month, US Attorney General William Barr said that voting by mail is “playing with fire.”“We're a very closely divided country here,” Barr told CNN’s Wolf Blitzer. “And if people have to have confidence in the results of the election and the legitimacy of the government and people trying to change the rules to this, to this methodology, which as a matter of logic is very open to fraud and coercion, is reckless and dangerous. And the people are playing with fire."While there is scant evidence of widespread voting fraud in past elections, there are questions on the US Postal Service’s ability to return ballots in time to be tabulated.In Florida, Volusia County Elections said more than 1,000 ballots that should have been counted for last month’s primary did not arrive on time. There were 1,281 ballots postmarked the day before Election Day, but election officials received them too late to be counted.Yesterday, the FBI issued a warning that cybercriminals and foreign governments were working to sow distrust in the upcoming election process.According to the FBI, “Foreign actors and cybercriminals could create new websites, change existing websites, and create or share corresponding social media content to spread false information in an attempt to discredit the electoral process and undermine confidence in U.S. democratic institutions.”Beyond attempts to influence the vote, the FBI says these actors are attempting to sow distrust in the electoral system. The FBI in particular warns that cybercriminals could take advantage of the likelihood several states will need additional time to count ballots due to increased mail-in voting and social distancing protocols. While a delay in results does not indicate any wrongdoing, the FBI warns that foreign actors could attempt to spread misinformation to cause distrust in the system while votes are being tallied. 3187

Rafael Nadal, the current No. 2-ranked tennis player in the world and winner of 19 career Grand Slam titles, won’t play in the upcoming US Open citing coronavirus concerns.Nadal, 34, is chasing Roger Federer for most career Grand Slam titles as both players head toward the twilights of the careers. For Nadal the spread of the coronavirus took precedence to catching Federer, who has won 20 Grand Slams.“The situation is very complicated worldwide, the COVID-19 cases are increasing, it looks like we still don’t have control of it,” Nadal said on Tuesday. “We know that the reduced tennis calendar is barbaric this year after 4 months stopped with no play, I understand and thank for the efforts they are putting in to make it happen.”The tennis calendar was scaled back in March as the coronavirus began to spread worldwide. This year’s Wimbledon tournament was canceled altogether, while the French Open, a tournament Nadal has won a record-setting 12 times, has been postponed to early October.Despite major tournaments being postponed, players have continued playing competitive matches, sometimes amid controversy. Early in the summer, tennis star Novak Djokovic organized an Eastern Europe tournament that ignored coronavirus safety measures. The tournament’s final ended up being canceled, and a number of players, including Djokovic, ended up with coronavirus infections. 1389

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