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RICHMOND, Va. — Despite a recent extension of student loan relief, experts suggest borrowers should begin preparing now for repayments to begin."The best thing you can do right now is to set a plan forward for your repayment," said Andrew Pentis, who works with LendingTree. "It's possible that this moratorium could be extended by the Biden administration or the newly-elected Congress. But Biden takes office on Jan. 20 and the current moratorium is expected to end right now at Jan. 31. So that only leaves you know less than two weeks for a decision to be made on whether the moratorium will be extended."Pentis said that since March, millions of student loan borrowers have been given an administrative forbearance, which suspended payments and interest and stopped collections on all defaulted student loans. He said borrowers with government-held federal student loans did not incur penalties during the moratorium."If you have an eligible federal student loan and you're seeing any of those negative impacts such as your credit score being affected your credit report showing and delinquent account, it's best to contact your federal loan servicers," Pentis said.For borrowers struggling to afford payments, Pentis suggested they enroll in an income-driven repayment plan to lower monthly payments. "You could also pause your payments via a deferment for unemployment or other economic hardship reasons," he said.He said hoping the government will simply wipe away the more than trillion in student loan debt is not a wise option."There are billions of dollars worth of private student loans and student loans that are no longer in the hands of the federal government," he said. "So even if both major political parties got together and decided this is what they wanted to do, it's unlikely that we would see more than a trillion dollars actually went away."While Pentis says it is best to plan to restart payments at the end of January, reports surfaced on Thursday that Congress is close to striking a deal on more COVID-19 stimulus that could include more student loan relief.This story was originally published by Shelby Brown on WTVR in Richmond, Virginia. 2181
Retailers pulled some name brand dog food from store shelves after a euthanasia drug was found in several products."I was a little surprised, but at the same time you hear all sorts of stuff about what is and what isn't in dog food," said Sam Porach, pet owner.The FDA started an investigation after a TV station tested several cans of Gravy Train dog food and found 60 percent contained pentobarbital, a drug used to euthanize animals, found in some products."It's a tranquilizing drug that is sometimes used by veterinarians in animal shelters to reduce anxiety in animals and ultimately put them to sleep," said Jackie Bowen, the executive director of Clean Label Project.The Clean Label Project is a non-profit aimed at educating people about toxins in products, including pet food."This industry needs to do a lot more testing and be a lot more critical of the ingredients used in its products," said Bowen.The J.M. Smucker Co. owns the brands in question including Gravy Train, Kibble 'N Bits, Skippy and Ol' Roy. The company is investigating how pentobarbital got into the supply chain."One possible way is through contaminated ingredients," Bowen said.Between recalls and reading labels, pet owners are left trying to navigate what's really safe."Try to go all natural type yah know baked treats and stuff," pet owner Ryan Searle said."I feel like there's been a pretty big movement lately on knowing what's in your dogs' food and having higher quality foods," Porach said.Smucker's said the low level of the drug found in the food does not pose a threat to pets, but admit it's not acceptable. However, the study that triggered all this started because a woman believed the food killed her dog. The Clean Label?Project has information about pentobarbital in pet food and safe products on its website. 1849
ROCKVILLE, Md. — It’s been a long, empty year at many schools across the country and for those who work there.“It has been one of the most watershed year in my 30-some years of education that I've ever seen,” said Karin Tulchinsky Cohen, an assistant principal at Beall Elementary School in Montgomery County, Maryland. Montgomery County is home to the largest school district in the state. The more than 11,000 teachers in the district, like many all over the world, face tough challenges brought on by virtual learning.“Their stress levels have been very, very high,” she said.Recognizing that, the school district partnered with Kaiser Permanente for “RISE,” which stands for “Resilience In School Environments,” part of their Thriving Schools program to offer more programs and resources to help teachers improve their own mental health and coping abilities.“The effort of just having to overdo it on the screen so that your students can stay engaged, one, and continue to learn. I mean, they've just had to grow their repertoire so much,” said Erin VanLuven, a licensed clinical social worker at Kaiser Permanente.Some of what they do also involves yoga and virtual dance parties.“People that can regulate their own emotions when crisis comes into their life, you know, they are much more able to be effective and efficient and they're much more likely to bounce back,” VanLuven said.Among VanLuven's three main suggestions to strengthen mental health are the following:Make sure to give yourself a “bio-break,” which includes deep breathing or even stretching for a few minutesTry to eat at least two healthy meals a day that include fruits and vegetables, because that impacts your overall health, including mental healthTake up a hobby you enjoy and do it“Everybody should be taking care of their emotional wellness, and it doesn't really take much more than 10 to 30 minutes a day,” VanLuven said.For educators, the advice and camaraderie with fellow teachers have helped. Kaiser Permanente is working with school districts in the Washington, D.C. and Baltimore areas, with plans to expand those programs elsewhere.“I am so proud of the teachers in my school and all teachers,” said Tulchinsky Cohen. “They have adapted so beautifully.”It’s a way of adapting to a new way of doing things, for now. 2314
SACRAMENTO (AP) — A California teacher alerted police to a break-in at a home where her students were participating in an online class. KOVR-TV reported a man entered the home in Galt through a window and ran through the house and then out a back door before going over a fence. Teacher Jennifer Petersen realized something was wrong when the teenagers did not log off at the end of the lesson from their home in the community 26 miles southeast of Sacramento. Petersen called police and stayed online until authorities arrived at the house. No arrests were reported by police. 585
SACRAMENTO, Calif. (AP) — California wants to give more benefits to people living in the country illegally as lawmakers in the state Senate advanced a 4 billion spending proposal Wednesday that would expand health coverage and tax credits for immigrants.The proposal would let low-income immigrants living in the country illegally get government-funded health coverage if they are 65 and older or between the ages of 19 and 25.The Senate's budget writing-panel also agreed to let some people who don't have Social Security numbers qualify for the state's earned income tax credit — a program for the poor that boosts people's tax refunds. The credit would apply to people who have an individual tax identification number, which includes immigrants in the country legally and illegally."These are people who are working, who are paying taxes," Senate Budget Committee chairwoman Holly Mitchell, D-Los Angeles, said. "That's a population we ought not leave behind."Some Republicans have opposed the proposals, especially since the state is also considering imposing a tax penalty on people in the country legally who refuse to purchase health insurance. But they likely don't have the votes to stop it.The proposals build on the spending plan Democratic Gov. Gavin Newsom released earlier this year that would extend Medi-Cal eligibility to young adults and double the tax credit to ,000 for every family with at least one child under the age of 6, making about 3 million households eligible to receive it.Newsom's proposal did not include expanding eligibility for the tax credit to immigrants. It's unclear how much money that would cost.Newsom wanted to pay for the expanded tax credit by selectively conforming California's tax code with portions of the tax changes President Donald Trump signed into law in 2017. That would have generated about .7 billion in new revenue for the state, mostly from businesses taxes.The Senate rejected those tax changes."We've just got to figure out where else to get that money from," Mitchell said.The Senate proposal is the first indication how the Democratic-controlled legislature will react to Newsom, who took office in January. The Assembly plans to finalize its budget proposal on Friday, which trigger negotiations with the Newsom administration.Lawmakers must pass a budget by June 15. If they don't, state law requires them to forfeit their salaries.The Senate plan does not deviate much from Newsom's proposal, adopting his revenue projections that include a .5 billion surplus.The Senate plan rejects a proposed new tax on most residential water bills to pay for drinking water improvements. Instead, they opted to use 0 million of existing tax dollars to help some struggling public water systems make improvements.In 2017, more than 450 public water systems covering more than half a million people failed to comply with safety standards. That number doesn't include people who use private wells or public systems with fewer than 15 connections, which are not regulated by the state.Newsom has argued for the tax, saying it would protect the money by making it harder for lawmakers to divert the spending elsewhere. But lawmakers from both parties have balked at implementing a new tax while the state has a projected surplus of .5 billion.Still, some Republicans were wary the tax could return once Democratic leaders conclude their budget negotiations next month."My issue is trust," said Sen. Jim Nielsen, R-Gerber. "Republicans have been duped, at their political peril, by placing and misplacing their trust." 3590