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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 ESPN president John Skipper says he abruptly resigned from the network late last year because he was being extorted by a cocaine dealer.In an in-depth interview with The Hollywood Report's James Andrew Miller, Skipper recounted his substance abuse issues and the decision to leave the network.Skipper told Miller that he used cocaine intermittently throughout his professional life. He says the habit began before he joined ESPN in 1997, but maintained that his drug use never interfered with his work, outside of "a missed plane and a few canceled morning appointments."Skipper also said he was "unusually clever" in finding ways to buy cocaine so as not to attract attention to himself. That changed in December, when he says someone he had not dealt with before attempted to extort him for purchasing drugs."It turned out I wasn’t careful this time," Skipper told Miller.Skipper immediately informed Disney CEO Bob Iger of the threat."When I discussed it with Bob, he and I agreed that I had placed the company in an untenable position and as a result, I should resign," Skipper told Miller.On Dec. 18, Skipper shocked ESPN employees by announcing his resignation, citing substance abuse issues. He later checked himself into a facility for therapy for his substance abuse.ESPN named Jimmy Pitaro as Skipper's replacement earlier this month.Read The Hollywood Reporter's full interview here.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1511

For companies hiring right now, ensuring you're hiring the most qualified candidate can be tricky. The COVID-19 pandemic has changed the way businesses approach hiring and are forcing them to recruit remotely. "Everything we’ve always done previously has been in person. It’s always been encouraged to do in-person, face-to-face communication. From a job seeker's perspective, obviously, it helps to be in-person and kind of take their facial cues and whatnot, so we really had to change everything we were doing," says Erik Cherkaski with the Fresno Regional Workforce Development Board. Cherkaski says one of his main jobs is to recruit employees for local businesses. Because of the pandemic, their recruiting services are now virtual. Recently, the organization has been holding virtual job fairs for a number of large employers."I think one day we had logistics, so we had some of our local fulfillment centers on. Another day we had the service industry on, so some of the local retailers that were doing mass hiring [participated]. Then, we had a focus on government, as well. So, some of the local and state organizations that were doing some hiring and we had some very good turnout. This was new territory for us," said Cherkaski.Employers held virtual presentations for candidates who tuned in using online meeting platforms like Zoom and Webex. "It was very engaging. We got good feedback from our employers and we are looking to do it again. So that was very positive for us to see that we can do something like this online," said Cherkaski.College students and recent graduates are also finding their first career move by participating in online events. Handshake, which helps connect more than 500,000 employers with college students looking for a job or internship, says it's expanding it's virtual services to accommodate universities who've put their in-person career fairs on hold."There are a lot of opportunities that do still exist even with the change in the economy this particular year. We have so many students across so many different walks of life that are looking in for those opportunities to be able to just jump start their career," said Christine Cruzvergara, with Handshake. To help, Handshake created a new virtual engagement module."That is going to allow employers to be able to actually segment, campaign and reach out to candidates that meet the different criteria and qualifications that they are looking for, across all of our thousands of universities and colleges. They can go beyond the basic qualifications in a virtual fair to be even more tailored around, for example, some of their DEI requirements or their goals," said Cruzvergara.Handshake hopes the new tools not only help employers narrow down the types of students they want to hire, but also helps students. "It's going to allow students to maximize the time they do have in between classes or in-between their part time jobs or things they might be doing other responsibilities or obligations they have," said Cruzvergara.As for how long Fresno Regional Workforce Development Board will be holding their recruiting events virtually, Cherkaski said, "if you were to have asked me this four months ago I would have said, Oh this isn’t going to go on too long but now we're four months in and I suspect were going to be doing this for the foreseeable future."Both Fresno Regional Workforce Development Board and Handshake believe even when COVID-19 restrictions are lifted completely, employers will still want to use virtual recruiting events to widen their candidate search.Editor's note: An earlier version of this story incorrectly identified Christine Cruzvergara's last name. 3693

Former Michigan Gov. Rick Snyder, a Republican, blasted President Donald Trump in an op-ed for the Detroit Free Press published Thursday morning and said he will be voting for Democrat Joe Biden in the 2020 presidential election.In his writing, Snyder explains that he has remained a lifelong Republican and will still support Republican candidates, but will not support the president."President Trump lacks a moral compass. He ignores the truth," Snyder wrote, after calling Trump a bully.Snyder talked about the economy's growth during Trump's first term as president and said some reforms have been helpful but called his tax reform a "failure.""It didn't have real long-term value, enriched large corporations and violated the basic principles of good tax reform to be simple, fair and efficient," Snyder wrote.According to Snyder, not supporting the president isn't the same thing as voting for Joe Biden.Snyder then went on to describe his interactions with Biden when Biden was vice president."My interactions were always constructive and respectful. He has shown the desire to heal a deeply divided nation; has demonstrated strong moral character and empathy; and he seems willing to listen to people who have different perspectives from his own," Snyder wrote.He added that he will still support Republican candidates at the local, state, and federal levels and encouraged people to have relentless positive action.This story was originally published by Max White on WXYZ in Detroit. 1500

Fresno Fire is on scene of a multi-casualty incident receiving patients injured by the Creek Fire, information is incomplete at this time regarding how many patients and severity of injuries. Several aircraft are transporting victims to FYI airport, National Guard assisting.— Fresno Fire PIO (@FresnoFire) September 6, 2020 333

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