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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 President Bill Clinton will highlight the second day of speeches from a virtual Democratic National Convention.Among those joining Clinton are former Secretary of State and Democratic presidential nominee John Kerry, former Acting Attorney General Sally Yates and Senate minority leader Chuck Schumer.Dr. Jill Biden, the wife of presumptive Democratic presidential nominee Joe Biden, is also expected to deliver remarks.According to CNN and NBC News, former Secretary of State under Republican President George W. Bush Colin Powell will officially endorse Joe Biden on Tuesday.Rep. Alexandria Ocasio-Cortez, one of the party's most vocal members and a leader in the Democratic party's progressive wing, will deliver a 60-second speech on Tuesday evening. Progressive members of the party have been critical of the DNC's decision to limit Ocasio-Cortez's speaking time, while allowing some Republicans, like former Ohio Gov. John Kasich, the opportunity to speak longer.Ocasio-Cortez responded to the criticism by posting, "I only have a minute," a poem by Dr. Benjamin E. Mays. 1092

Former Senate Majority Leader Harry Reid, a Nevada Democrat, underwent surgery for pancreatic cancer Monday, according to a statement from Reid's family."Today, Former Democratic Leader Harry Reid underwent surgery at Johns Hopkins Cancer Center to remove a tumor from his pancreas," the family's statement said. "His doctors caught the problem early during a routine screening and his surgeons are confident that the surgery was a success and that the prognosis for his recovery is good. He will undergo chemotherapy as the next step in his treatment. He is now out of surgery, in good spirits and resting with his family. He is grateful to his highly skilled team of doctors and to all who have sent and continue to send their love and support."The news of Reid's cancer was first reported by a reporter at local station KLAS, a CNN affiliate.Reid, who was first elected to the Senate in 1986, retired at the end of his term?in early 2017, when he was Senate minority leader.Sen. Chuck Schumer, a New York Democrat who succeeded Reid as minority leader, tweeted shortly after the news broke."Spoken to family and it seems @SenatorReid's operation went well. We are all praying for dear Harry's speedy recovery," he tweeted. 1248

First lady Melania Trump said victims who make accusations of sexual misconduct "need to have really hard evidence" in a recently taped interview, echoing a statement she made in October 2016 amid allegations against her husband."If you accuse (someone) of something, show the evidence," Trump said in a sit-down interview with ABC News that took place in Kenya last week during her first major solo trip to Africa.Trump also said she supports women, but she echoed her husband, President Donald Trump, adding that men need to be supported, too."I support the women and they need to be heard," said Trump. "We need to support them and, you know, also men, not just women."She added that women who come forward as victims should be prepared to back up their claims."I do stand with women, but we need to show the evidence. You cannot just say to somebody, 'I was sexually assaulted,' or, 'You did that to me,' because sometimes the media goes too far, and the way they portray some stories it's, it's not correct, it's not right," said Trump. 1049

FORT MYERS, Fla. -- A Lehigh Acres, Florida man is facing two counts of child neglect after police say he left two young children alone in a vehicle while he went into a strip club.23-year-old Willie Lee Jordan, Jr. was arrested Thursday night outside of Scarlett's Cabaret in Fort Myers.According to Fort Myers Police, the children were found crying in the back seat of an SUV by a citizen around 11 p.m.  Police were called to the scene, and arrived to find the citizen, two security personnel, and the children outside the vehicle.The SUV 's windows were open about two inches while the children were alone inside.  The good Samaritans were able to instruct the older child to unlock the doors to get out.Staff inside the club made an announcement in an effort to locate the caretaker of the children. That's when Jordan exited the club and was greeted by police.Jordan told officers that he was only inside for one minute, but police had already been on scene for several minutes by that point.Club staff told police Jordan had been at the club earlier that evening but was turned away for a dress code violation. He later returned properly dressed, and was inside the club for about 20 minutes without checking on the children.Jordan was arrested and released Friday on ,000 bond. 1321