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People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

Parts of an operation linked to Russian military intelligence targeting the US Senate and conservative think tanks were thwarted last week, Microsoft announced early Tuesday.The company said it executed a court order giving it control of six websites created by a group known as Fancy Bear. The group was behind the 2016 hack of the Democratic National Committee and directed by the GRU, the Russian military intelligence unit, according to cybersecurity firms.The websites could have been used to launch cyberattacks on candidates and other political groups ahead of November's elections, the company said.Among the websites a judge in the Eastern District of Virginia granted Microsoft control of were those with domain names designed to resemble sites used by congressional staff. They include "senate.group," and "adfs-senate.email."Other domains were designed to look like they were related to the Hudson Institute, a conservative think tank, and the International Republican Institute, whose board includes six serving senators, former Massachusetts Gov. Mitt Romney and Gen. H.R. McMaster.Microsoft said the domains were "associated with the Russian government and known as Strontium, or alternatively Fancy Bear or APT28." The company said it has no evidence that the domains were used in successful attacks but that it was working with the potential target organizations.Microsoft argued in court that the domains were posing as some of its company's services.Hackers could have used the domains to send emails to Senate staffers or people working for the Hudson Institute or the International Republican Institute in an attempt to trick them into handing over information, like their passwords.This form of attack, known as spearphishing, was successfully used to target Hillary Clinton's campaign chairman John Podesta in 2016.Missouri Democratic Sen. Claire McCaskill's staff was similarly targeted by a Russian group last year. McCaskill says the attempt was unsuccessful."Attackers want their attacks to look as realistic as possible and they therefore create websites and URLs that look like sites their targeted victims would expect to receive email from or visit," Microsoft President Brad Smith said in a blog posted to the company's website on Monday night.The news comes less than a week after it emerged that two Democratic congressional primary candidates were hacked earlier this year.The campaigns of Dr. Hans Keirstead and David Min, both of whom lost in California's June primaries, were breached, but the groups responsible for the attacks have not been made public and may not be known.Microsoft said Monday that, in light of the ongoing threats to political groups in the US, it was launching a specialized cybersecurity protection service called AccountGuard.The company says it will offer the service to all candidates and campaign officials, as well as think tanks and political organizations that use Microsoft Office 365, at no additional cost.The initiative is part of Microsoft's Defending Democracy Program, which it launched in April. The company said it plans to roll out AccountGuard in other parts of the world. 3160

Pass the potatoes, not COVID. ???Stay home as much as you can, especially if you're sick.??Host virtual gatherings instead of in-person dinners.?Avoid travel, if you can.??Order your holiday meal from a local eatery.??Shop online with a small business for #BlackFriday. pic.twitter.com/acQpWs2Ism— Michael B. Hancock ?? (@MayorHancock) November 25, 2020 361

Outgoing United Nations Ambassador Nikki Haley joked Thursday during the annual Alfred E. Smith Memorial Foundation Dinner that the organizers had "wanted an Indian woman, but Elizabeth Warren failed her DNA test."At the dinner, which is known for political figures cracking jokes during the keynote address, Haley said that after President Donald Trump's speech at the charity dinner for the Catholic Church two years ago and Paul Ryan giving a "choir boy" speech last year, "this year you wanted to spice things up again, right?" Haley said."I get it. You wanted an Indian woman, but Elizabeth Warren failed her DNA test," Haley joked."Actually, when the President found out that I was Indian-American, he asked if I was from the same tribe as Elizabeth Warren," she quipped.Haley announced last week that she is resigning her post and will leave the administration at the end of the year. 899

PHOENIX — From top restaurants to moving companies, you have probably used Yelp before to find businesses to use. But have you ever thought to use the website to find a daycare?The site can sometimes be a dumping ground for complaints. So, is it credible when looking for someone to look after a child? Researchers at Arizona State University decided to find out.The study included 40 cities and roughly 50,000 submissions on nearly 10,000 childcare facilities. Three of those 40 cities were Phoenix, Mesa and Tucson.Researchers tell KNXV even they were shocked by the findings.They found, through the reviews, that a majority of parents were meticulous and detailed. More than 75 percent gave a 5-star review.As for why they decided research like this was important, ASU said they wanted to see exactly what parents were looking for in childcare, what they were saying in these reviews and how uncovering that could lead to policy changes that could benefit all children.But, despite overwhelmingly positive reviews, lower-income families often reported more bad experiences, disrespect and a lack of learning for their children.Chris Herbst, an associate professor at ASU, was deeply involved in this study. He hopes this research will encourage parents to keep documenting their experiences."It provides this sort of learning loop for childcare providers," Herbst explained. "So, if providers know the parents... feel a certain way about the program, then providers can use this information to inform their... quality improvement activities."While these reviews are a good start, Herbst stresses that parents have plenty of tools they can use, beyond just basing it on online reviews.One suggestion he gives is using the Quality Rating and Improvement System.Parents can search their state and look-up different facilities to see how this system evaluates and rates the program's quality.KNXV also reached out to Erin Raden for more tools and advice for parents. She is the executive director of the Arizona Early Childhood Education Association.In regards to using online reviews like Yelp, Raden said it is good to use. However, it should not be the only way you make a childcare decision."You may have a parent that's upset about something," Raden said. "And that might be the right choice for them to no longer take their child there. But that doesn't mean that it wouldn't be the right choice for you."Raden also suggests taking your time and visiting at least two or three facilities."It's just going to be a lot about what feels right to you and you should always trust your instincts," Raden explained.She said that it is not about a facility being the most beautiful place, but instead look at how the students are engaged with their instructors. 2826

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