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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

Taylor Swift has the trophy of country music royalty back in her hands, well not literally.Swift got top honors with Song of the Year for “Better Man” which she pinned for Little Big Town.It is her first CMA Awards nomination since 2014. The talk of the town Wednesday for many Taylor Swift fans was whether she would make an appearance at the show.She did stop by and remember her country music roots last year to present Entertainer of the Year to Garth Brooks during the 50th anniversary of the CMA Awards.  Photos: From the red carpet of the CMA AwardsLittle Big Town, who is also nominated for three other awards tonight (Single of the Year, Album of the Year and Vocal Duo of the Year) accepted the award at Bridgestone Arena.“Hey we didn’t write this.” Karen Fairchild said. “We’re really grateful that Phillip checked his email one night and that song was in his email, cause he doesn’t always check his email.”The Little Big Town singer would go on to say Swift couldn’t be there but they wanted to thank her.SEE ALSO:?Brothers Osborne score early CMA Awards win for ‘It Ain't My Fault'“So we want to say thanks to Taylor Swift,” Fairchild said. “She couldn’t be here tonight but wherever you are, thank you for this beautiful song, and for loving songs, and loving Nashville.”Little Big Town would later share backstage that Swift tweeted out her congratulations and could not attend because she was rehearsing for "Saturday Night Live" in New York City.  1483

Starbucks is temporarily suspending its "Happy Hour" due to rising cases of COVID-19.In an email to E.W. Scripps, the coffee company said the reason behind pausing it was to help cut down on customers in its stores."Given the rise in cases and the current guidance from the scientific community to not gather indoors in large groups for prolonged periods of time, we decided to pause Happy Hours in December and January 7," a spokesperson for Starbucks said in a statement emailed to E.W. Scripps.The buy-one-get-one drink deal typically happens on Thursdays from 2-7 p.m.The spokesperson said Starbucks will implement more Double Star Days for its loyalty program members while "Happy Hour" is currently on pause and "will reassess future plans as we continue to monitor the situation."In a letter to partners in the United States, Starbucks Executive Vice President, President of U.S. company-operated business and Canada said the company will prioritize the safety of its customers."In this moment, we all have a role and responsibility – as Starbucks partners – to protect each other, our customers, and our business as we navigate this pandemic.” 1159

TAMPA, Fla. — George Streets, Jr., is just 10-years-old and he’s somewhat of a boxing phenom.“When I was little, I always wanted to box,” George, Jr. said.His trainer Malcolm Peck has been working with George for about a year.“The determination, the way he processes things, the energy he has is different,” Peck said. “It’s definitely different.”When George was a 2-year-old, he would walk around the house punching everything in his path.“T trained by punching the couch,” he said. “My dad would be asking me what I was doing. I’d be ‘ha, ha, ha, ha’ punching the couch.”“He punched a hole in the side of that couch,” his father George, Sr. added.And, that’s how he got the nickname — Lil Savage. He’s mildly autistic and diagnosed with an extreme case of Attention Deficit Hyperactivity Disorder. Boxing has improved his focus.“Boxing allows you to utilize that energy, stay focused, if you’re not focused and you look to your left or right, you’re going to get hit in the face,” George, Sr. said. “It’s going to hurt pretty bad."“It helps him with his attention span tremendously. His grades have improved. He went from being a D-F student to an A-B student.”Lil Savage trains for about four hours each day. He wakes up a 5 a.m. for conditioning drills and goes to the boxing gym after school.The hardest part for him getting into the ring was finding a trainer willing to work with such a young boxer.“No one wanted to train me because I was a little kid,” George, Jr. said. “But when I showed them I could spar, then they really wanted to train me.”He knows the stakes are high with gloves on in the ring, and he wants to be on top.“My goal is to be the best boxer and be myself.”You can see Lil Savage in action later this month. He will be the half time show during the ‘Rumble in the Bay’ boxing event at the JCC Center on November 21.This story was first published by Kyle Burger at WFTS in Tampa Bay, Florida. 1947

Terrible shootings in ElPaso, Texas. Reports are very bad, many killed. Working with State and Local authorities, and Law Enforcement. Spoke to Governor to pledge total support of Federal Government. God be with you all!— Donald J. Trump (@realDonaldTrump) August 3, 2019 285

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