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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) — California's governor announced Friday that he is pardoning three more immigrants facing the possibility they will be deported, continuing a string of such actions that challenge the Trump administration's crackdown on immigrants who committed crimes.Gov. Gavin Newsom also commuted the life sentences of two youthful offenders who can now seek parole.Newsom's office said the three facing deportation "made bad decisions" while breaking the law as teenagers or young adults, but they served their sentences and transformed their lives. Deporting them now would be "an unjust collateral consequence" harming their families and communities.The three hail from Iran, El Salvador and Cambodia, but all now live in Los Angeles County. He also pardoned a fourth man, Curtis Reynolds, 59, of Sacramento County, who was convicted of six drug felonies between 1998 and 2003.Pardons do not automatically protect someone from deportation because they don't erase the criminal convictions on which deportation orders often are based. But they do emphasize the person's rehabilitation. Superior court judges previously granted two of the three immigrants, plus Reynolds, certificates of rehabilitation and recommended that they receive pardons.Newsom and his predecessor, fellow Democrat Jerry Brown, have granted several such commutations since Trump took office.The three newly pardoned immigrants are:— Arnou Aghamalian, 42, who was convicted 20 years ago of helping his cousin set an unoccupied car on fire. The car belonged to a nightclub manager who had been arguing with his cousin. Aghamalian now owns a solar energy company and has a wife and twin newborns, according to Newsom's office. He legally entered the U.S. as a refugee from Iran with his family when he was 15.— Victor Ayala, 38, who was convicted of felony robbery in 2001 when he shoved a security guard after shoplifting items from an electronic store. He had four prior misdemeanor convictions for theft and a hit and run in which no one was injured. The father of three now runs a carpet cleaning business. He was 2 years old when he and his parents lawfully came to the U.S. from El Salvador.— Thear Sam, 41, who was convicted of robbing a man of his wallet and backpack when he was 18. He was later convicted of being an accessory after he separately gave a man a ride after the man stole a car, led police on a high-speed chase and escaped on foot. He has worked more than 17 years for an aviation company, and his wife and daughter are both U.S. citizens. He was 4 when he lawfully entered the U.S. as a refugee from Cambodia fleeing the Khmer Rouge.Separately, the two men whose life sentences Newsom commuted can now go before the state parole board, which will decide if they can be safely released into the community. They also are both from Los Angeles County:— Esdvin Flores, 44, has served more than 20 years for pointing a gun at a victim while his crime partner pulled a gold chain from her neck. Newsom's office said he has since been mentoring at-risk youth.— Jensen Ramos, 35, has served 17 years for attempted murder after shooting at a fleeing vehicle following a fight at a house party, though no one was injured. He is a lead trainer in the Paws for Life rescue dog training program, which says it has had the most commutations of life sentences of any program in the state.The Los Angeles County District Attorney's Office declined comment. 3457

Rudy Giuliani just contradicted the White House and the Justice Department on a very sensitive subject: The AT&T-Time Warner deal."The president denied the merger," Giuliani, a new member of President Trump's legal team, said in an interview with HuffPost on Friday.Giuliani was seemingly trying to defend the president against any suggestion that Michael Cohen improperly influenced the administration after the revelation that Cohen, Trump's longtime personal attorney, was paid large sums of money by AT&T and several other corporate clients."Whatever lobbying was done didn't reach the president," Giuliani said, repeating a claim he made to CNN's Dana Bash on Thursday.But then Giuliani went further, telling HuffPost's S.V. Date that "he did drain the swamp... The president denied the merger. They didn't get the result they wanted."In other words: If AT&T hired Cohen to win government approval of the deal, AT&T wasted its 0,000.But the assertion that "the president denied the merger" flies in the face of everything the government has previously said about the deal."If Giuliani didn't misspeak, this is major news," former federal prosecutor Renato Mariotti tweeted Friday night. "It is highly unusual for the president to be involved in DOJ merger decisions."It is possible that Giuliani misspoke, or that he simply does not know what he's talking about. He was not working for Trump at the time the Justice Department was reviewing the deal. Since he began representing Trump, he has had to change the story he has been telling in public about Stormy Daniels and what Trump knew or didn't know and when about the payment Cohen made to her. And he may simply have meant "the president" as a stand-in for "the administration."But this is not the first time that there have been questions about whether politics and Trump influenced the DOJ's decision.On the day AT&T announced its bid to buy Time Warner, the parent company of CNN, then-candidate Trump said he opposed the deal. So when he took office, there were concerns within AT&T and Time Warner that he or his aides would try to block the deal.AT&T said earlier this week that it hired Cohen, in part, to gain "insights" about the Trump administration's thinking about the deal.Throughout 2017, career officials at the Justice Department's antitrust division conducted a standard review of the proposed deal.The DOJ traditionally operates with a lot of independence. But there were persistent questions about possible political interference, especially in light of the president's well-publicized disdain for both CNN and attorney general Jeff Sessions.Still, AT&T and Time Warner executives believed the deal would receive DOJ approval, much like Comcast's acquisition of NBCUniversal did nearly a decade ago. By October, they thought the thumbs-up was right around the corner.They were wrong. In November, the DOJ went to court to block the deal, alleging that the combination of the two companies would give AT&T too much power in the marketplace.That's when questions about Trump's hidden hand really got louder. Democratic lawmakers raised alarms. So did AT&T and Time Warner. Other critics pointed out Trump's complaints about Sessions and the DOJ. Trump had recently been quoted saying "I'm not supposed to be involved in the Justice Department," adding, "I'm not supposed to be doing the kinds of things I would LOVE to be doing, and I'm very frustrated by it."But White House aides like Kellyanne Conway insisted that the White House was not interfering.The DOJ's antitrust chief, Makan Delrahim, said the same thing. He denied being influenced by Trump.In an affidavit, Delrahim said "all of my decisions" about suing to block the deal "have been made on the merits, without regard to political considerations."Ahead of the trial, AT&T and Time Warner sought discovery on any relevant communications between the White House and the Justice Department. But a judge denied the request, and the companies dropped any argument that the case was motivated by politics.The Justice Department and AT&T had no immediate comment Friday night.The-CNN-Wire 4182

SACRAMENTO, Calif. (AP) — Pacific Gas & Electric's key lenders on Tuesday offered a billion plan to pull the utility out of bankruptcy and give the tarnished company a new name.The proposal filed in U.S. Bankruptcy Court would set aside up to billion of that billion to pay claims on the 2017 and 2018 wildfires caused by PG&E equipment, the Sacramento Bee reported.The plan offered by PG&E's leading bondholders would compete with an alternative that the newspaper says is being drafted by PG&E. Normally the company in bankruptcy has first crack at proposing an exit plan, but the bondholders said in a court filing that they filed their plan because PG&E has "wasted crucial time needlessly."The bondholders also want to rebrand PG&E as Golden State Power Light & Gas Company.Asked about the bondholders' plan, the utility said in a statement that it was considering all options as it navigates the bankruptcy process.The new proposal came four days after Gov. Gavin Newsom, a Democrat, floated the idea of a billion package to deal with the costs of future wildfires, paid for by ratepayers and shareholders of PG&E and the other two big electric utilities in California.Newsom's plan does not offer any cash for PG&E's existing liabilities but would revise state law to give utilities more certainty about recovering costs from ratepayers — enough stability that Newsom believes will allow PG&E to borrow the money it needs to pay existing claims, according to the Bee.The bondholders include some of the biggest investors on Wall Street, including Elliott Management, Pimco and Apollo Global Management. They have been quietly promoting a PG&E restructuring plan for weeks in conversations with legislators, Newsom's aides and others. Tuesday's court filing marks the first time they have taken the proposal public."Substantial new capital must be infused into the company," the bondholders said in their court filing.The governor's office had no immediate comment on the bondholders' proposal.Like Newsom's plan, the proposal is "ratepayer neutral" — meaning, customer rates would not go up to pay the costs of getting PG&E out of bankruptcy.But ratepayers would pay: The plan calls for a .50 monthly charge, a feature of PG&E bills since the 2001 energy crisis, to be extended for several years to help raise dollars for a wildfire insurance fund proposed by Newsom last week. That fund would help pay claims for future fires.___Information from: The Sacramento Bee, http://www.sacbee.com 2574

RICHMOND HEIGHTS, Mo. – Authorities are searching for a person of interest following a shooting at a St. Louis area mall that left one person dead and another injured Wednesday.The St. Louis County Police Department said on Twitter that the two people were shot at the St. Louis Galleria Mall in Richmond Heights shortly before 12:34 p.m. CT.When officers arrived at the scene, police say they located the adult male victims. One victim, a man in his early 20s, was pronounced deceased at the scene and the other was transported to an area hospital for life-saving treatment.The department said it does not consider the shooting an active shooter incident.Police believe two groups of people got into some sort of dispute inside the mall and the altercation escalated into a shooting. Several suspects were reportedly seen fleeing the scene. 849