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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

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

For the fourth time in its history, the Oscars are being postponed. The Academy of Motion Picture Arts and Sciences said Monday that the 93rd Academy Awards will now be held on April 25, 2021, eight weeks later than originally planned because of the pandemic’s effects on the movie industry. The Academy’s Board of Governors also decided to extend the eligibility window beyond the calendar year to Feb. 28, 2021. Other entertainment industry awards shows are also in flux, like the Tony Awards. The 74th Tony Awards, originally set for June 7, has been postponed indefinitely. 585

FREDERICK, Colorado — The bodies whom police have “strong reason to believe” are 4-year-old Bella and 3-year-old Celeste Watts were located during the late afternoon hours Thursday, Frederick, Colo. police announced Thursday evening.Police said they will not disclose the location of where the bodies were recovered, but said they were located in close proximity to the other body whom officers strongly believe is Shanann Watts. Her body was found on property owned by Anadarko Petroleum earlier Thursday.The bodies were found as 33-year-old Christopher Watts sat behind bars at the Weld County Jailon suspicion of murdering his family.PHOTOS: Chris Watts arrested, charged for family deathsChris Watts was taken to jail at 11:30 p.m. Wednesday after he was detained for questioning. Two law enforcement sources told Scripps Denver affiliate KMGH-TV Watts had confessed to killing his wife and daughters. He faces investigation on one count of first-degree murder after deliberation; two counts of first-degree murder – position of trust; and three counts of tampering with a deceased human body.All three were reported missing Monday around 2 p.m. after Shanann did not arrive to a scheduled meeting. In addition to having two daughters, Shanann was also 15 weeks pregnant. The FBI and CBI were brought in to help Frederick police in the investigation.Weld County prosecutors said they believe Shanann and the girls were killed inside of the family’s home but did not say why they believe that. 1534

For decades, memories of World War I have been preserved only in murky archival film. The color of uniforms, the sound of a canon firing, the faces of soldiers are all often inscrutable, at risk of being lost to time."They Shall Not Grow Old," a film by award-winning director and producer Peter Jackson brings more vivid life to the Great War -- and the soldiers who fought in it.The film restores and transforms century-old footage obtained from the Imperial War Museum of London into images more closely akin to the modern-day blockbusters for which Jackson is known.The archival black-and-white scenes of soldiers at war and at play are made over with the addition of color and texture. 698