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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

Consumers with questions about the recall can contact Kristyn Castellante, Customer Relations Coordinator at 856-532-661. Media with questions can contact media coordinator Alissa Davis at 856-532-6615. 210

Comedian Jim Carrey will appear as Democratic presidential nominee Joe Biden this season on "Saturday Night Live.""SNL" released a promo of Carrey and Maya Rudolph, who's playing Democratic vice president nominee Kamala Harris, via Twitter on Thursday. 260

CLEVELAND — Connie Culp, the first recipient of a partial face transplant in the U.S., has died at age 57, the Cleveland Clinic confirmed Thursday.Dr. Frank Papay, chair of the Cleveland Clinic’s Dermatology and Plastic Surgery Institute, who was also part of her surgical team, confirmed Culp's death in a statement.“Connie was an incredibly brave, vibrant woman and an inspiration to many. Her strength was evident in the fact that she had been the longest-living face transplant patient to date. She was a great pioneer and her decision to undergo a sometimes-daunting procedure is an enduring gift for all of humanity,” Papay said in his statement.Culp made history in 2008 when she became the first patient in the U.S. to receive a face transplant.At the time of the surgery, 40-year-old Culp underwent an initial 22-hour procedure after her husband shot her in the face.A Cleveland Clinic surgical team integrated functional facial components and numerous tissue types, including skin, muscles, bony structures, arteries, veins and nerves – encompassing about 77 square inches of transplanted tissue.Her cause of death is currently unknown.This story was originally published by Kaylyn Hlavaty on WEWS in Cleveland. 1229

Cooled to negative 320 degrees, using liquid nitrogen cooled food has become a trendy and cool way of eating. But eating products so cold comes with risks. On Thursday, the FDA issued a warning for foods cooled by liquid nitrogen. The FDA says consuming products marketed as "Dragon’s Breath," "Heaven’s Breath," "nitro puff," among others could cause serious injury. Liquid nitrogen quickly freezes food, but even after the liquid has completely boiled into a gas, the extreme cold of the food and the displacement of oxygen could cause health concerns. "The FDA has become aware of severe -- and in some cases, life-threatening -- injuries, such as damage to skin and internal organs caused by liquid nitrogen still present in the food or drink," the FDA said in a statement. "There has also been a report of difficulty breathing after inhaling the vapor released by liquid nitrogen when added immediately before consumption. Injuries have occurred from handling or eating products prepared by adding liquid nitrogen immediately before consumption, even after the liquid nitrogen has fully evaporated due to the extremely low temperature of the food."The FDA's warning does not extend to all foods cooled by liquid nitrogen. "Other foods treated with liquid nitrogen prior to the point of sale and before consumption, for example some frozen confections, are treated in such a way that results in the complete evaporation of liquid nitrogen before reaching the consumer and are no longer at an extremely low temperature, and therefore do not pose a significant risk of injury," the FDA says. 1646