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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's ex-wife Ivana doesn't think he should run for reelection in 2020. In an interview with Page Six, Ivana Trump said her ex-husband should instead enjoy his fortunes. “I’ll tell you something, I don’t think it’s necessary,” she told Page Six. “He has a good life and he has everything. Donald is going to be 74, 73 for the next [election] and maybe he should just go and play golf and enjoy his fortune."Ivana Trump was married to Donald from 1977 to 1992. The couple had three children: Eric, Donald Jr. and Ivanka. Despite being divorced for 26 years, Ivana remains in close contact with the President, saying they talk at least once a month. Ivana Trump believes her ex-husband probably misses some of the freedoms he had before entering the White House. "I don’t think he probably knew how much is involved of being the President," she told Page Six. "It’s so [much] information — you have to know the whole world.”Ivana Trump added during the interview that she feels for Trump's current wife Melania as speculation swirls around Trump's sex life, and his alleged relationship with porn star Stormy Daniels. "I feel bad for [Melania] because I know how bad I did feel. It hurts a lot,” she told Page Six.During their 15-year marriage, Ivana said she never suspected Donald of cheating on her. “Donald was always in the office and coming home, so I had no idea how he had the time to cheat,” she told Page Six. To see the full interview, click here.  1564

RANCHO BERNARDO, Calif. (KGTV) -- For more than one month a North County coyote has been spotted with what looks like piping around her neck. Thanks to determined residents, she'll soon get the help she needs to get the piping off. RELATED: North County woman, neighbors trying to save coyote ensnared in plastic pipingTuesday night a rescue group sent a photo of the coyote, lovingly named "Myrtle," to 10News. Myrtle was first spotted sometime in April. Katie Ryan lives in the area and kept an eye on the animal's condition as she continued to pop up around the neighborhood. Side-by-side photos showed Myrtle had lost a dramatic amount of weight since she was first spotted - likely because of the piping around her neck. RELATED: Rancho Bernardo neighbor works to save mother coyote ensnared in pipingFor weeks Ryan and The Fund for Wildlife Animal Center worked to trap the coyote with no luck. Last week the animal center told 10News once Myrtle was caught they would have room for her, and experts ready to help. 1078

President Donald Trump's moves on the Deferred Action for Childhood Arrivals program found an unlikely defender Wednesday night: former President Jimmy Carter.The Democratic former commander in chief told town hall attendees at Emory University to "give him credit" for not doing away with the deferred action program completely."To give Trump some due, he hasn't ended DACA yet," Carter said. "What he's said is he has given Congress six months to address the issue, which is long overdue.""It's very difficult because when (President Barack) Obama had a Democratic House and Senate, he didn't do it," he added, pointing to a long history of failed -- and often bipartisan -- efforts to pass comprehensive immigration reform.Carter suggested that a highly publicized six-month ultimatum might be what's needed to spur Congress to action."I don't think it's a hopeless case. I think the pressure and the publicity that Trump has brought to the immigration issue may have stimulated both Democrats and Republicans in the House and Senate to be more accommodating in this longstanding argument," he said.Carter's comments happened before reports emerged from a Wednesday evening meeting at the White House, at which it appeared that the President and Democratic leaders were moving closer to a deal to protect the hundreds of thousands of undocumented immigrants brought to the US as minors. However, the parameters of such a deal -- including whether it will include pathway to citizenship or funding for a border wall -- remain unclear. Although Trump asserted numerous times Thursday that House Speaker Paul Ryan and Senate Majority Leader Mitch McConnell are "very much on board" with his plans, Republicans on Capitol Hill maintain that there has been "no agreement."Carter also gave advice to his successor."I would say to promote human rights, to keep our country at peace, and to tell the truth," Carter said of his words of wisdom for Trump. "I would like to see the United States of America, I'd say once again, become the foremost champion of human rights on earth."At a separate town hall the night before, Carter slammed Trump's response to North Korea, saying the North Koreans needed to be treated with respect. He also cast doubt on Trump's ability to engineer peace in the Middle East.The 92-year-old lamented the extreme partisanship in government affairs, saying he believes the US is at its most fragmented since the Civil War. He also slammed the increase in lobbying and campaign contributions in contemporary elections."I would say the most serious threat to our democracy is making ourselves even more like an oligarchy," he said. "America ... used to be one of our finest democracies on Earth and as I said, it's become primarily an oligarchy." 2800

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