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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

Florida prosecutors have charged a Miami police officer they say tried to kick a suspect who was being handcuffed on the ground, in an encounter captured on video.Mario Figueroa, a two-year veteran of the force, was charged Tuesday with assault, a second-degree misdemeanor, after the cell phone video of the incident surfaced last week."Officer Mario Figueroa can have no excuse for the alleged actions seen on the initial videotape," State Attorney Katherine Fernandez Rundle said in a new release. "This community demands respect for all individuals taken into custody."Police said they were beginning the process of firing the officer. 647

For those who have a job they can do from home, plans to go back to the office full-time continue to get pushed back.If they weren't feeling burnt out before, experts with staffing firm Robert Half say you could be feeling it set in now.“If you don't raise your hand and have a really open and honest dialogue, you could continue to feel that way and that burnout can manifest itself in you missing deadlines, in you skipping work, needing to take vacation time and it really can be a weight that bears on you,” said Brett Good, Sr. District President at Robert Half.He says your boss should be receptive. Many of them are feeling the same way.That burnout can feel heavier because many people are afraid to take vacation.A new survey from LinkedIn found nearly 70% of professionals don't plan to take time off through the end of the year or aren't sure if they will.More than half say they're afraid to travel because of the risks associated with COVID-19 and 22% want to save their vacation time in case they or a family member gets sick.Even for people planning to take vacation, a quarter say they feel more pressure at work to be always-on because of the current state of the economy.If you're looking for a job right now, expect to see more openings that let you work from anywhere.“Most employers that we're chatting with right now are very upfront of saying, ‘yes we're ok with remote right now, but ultimately we will want that person to be working in our facility or one of our facilities,’ and so you have to ask the question to be sure if you're interviewing with an employer of what does it look like in 12, 24 months who knows how long,” said Good.Experts at Robert Half say they expect to see more work-from-home jobs long-term, even after the pandemic. 1776

Former President Barack Obama and former Vice President Joe Biden were reunited Monday, when they went out for lunch at a Washington, DC, bakery.Obama and Biden spent about 45 minutes at Dog Tag Bakery in Georgetown. The bakery runs a fellowship program, now in its eighth class, that acts as a "living business school" for veterans, military spouses and military caregivers, Dog Tag CEO Meghan Ogilvie told COVER/LINE. Professors from Georgetown University teach fellows, who can earn a certificate of business administration from Georgetown University's School of Continuing Studies.Ogilvie said she found out about six minutes before Obama and Biden arrived that they were coming. She gathered the current 13 fellows and said they would have a team meeting and surprised them when the 44th President of the United States and his Veep walked in.Obama and Biden met the fellows, took selfies with them and talked to them about their future business plans for about 20 to 30 minutes. They also grabbed a bite to eat.If it wasn't for the fact they were once leaders of the free world, "it would seem like two friends coming together to have lunch," Ogilvie said.They ordered ham and gruyère sandwiches. Obama got a side salad, and Biden got a slice of mint basil blueberry cake.Obama told Ogilvie he was aware of "the good work you've been doing" at the bakery, she said. Before long, photos of Obama and Biden at the bakery began circulating online, drawing a crowd. But, "they didn't tell us to stop having people come in," she said.Obama's been known to meet with possible 2020 contenders, including his former Vice President. A Democratic source told CNN in June that Obama had met with Democrats including Vermont Sen. Bernie Sanders, Massachusetts Sen. Elizabeth Warren, New Jersey Sen. Cory Booker, Los Angeles Mayor Eric Garcetti and former Attorney General Eric Holder to give advice. But unlike Monday's lunch, those meetings were held in private, at his West End office.Ogilvie described Obama and Biden as "so human" and "so kind.""They shook everyone's hand," she said, and as they left, they talked with the fellows about the business ideas they had shared. "They learned about them." 2215

Florida is known by many for its beaches. But in politics, it sometimes is known for being the butt of a joke. With many counties in Florida reporting record number of vote-by-mail requests, some are wondering will more controversy emerge in 2020? Tuesday's primary may provide clues. TUESDAY'S PRIMARYWhile Tuesday's primary does not involve presidential politics in Florida, a number of races impacting the state legislature, Congress and local governments are taking place. HISTORY OF ISSUESFlorida's issues with elections goes all the way back to 1876. The presidential election was still undecided with Florida being unsure how to award its 4 Electoral College votes. Florida wasn't alone. South Carolina and Louisiana were also unsure. As a result, Congress had to step in and resolve the issue with Rutherford B. Hayes eventually becoming President. Most Americans know Florida because of the issues in 2000. With another presidential election hanging in the balance, Al Gore and George W. Bush battled for votes during a 36-day recount. Palm Beach County's butterfly ballot, with confusing placement of names for some voters, likely resulted in 2,800 votes for Pat Buchanan instead of Gore. "Hanging Chads" in the state became a household phrase nationwide to describe ballots with paper fragments still hanging from them. Ballots that year were hole punch style for many voters. Like in 2000 and 2016, Florida has long been an important state for nominees to win. It has helped choose the winning presidential candidate every election since 1992.RECENT ISSUESIssues in Florida's Elections have continued in recent years. In Broward County, nearly 1,000 uncounted ballots were found in a warehouse in 2012. In 2018, 22 ballots were counted that were supposed to be rejected. THIS YEARElection officials have recommitted themselves to making sure Florida controversy is limited this year. However, time will tell. Stay tuned. 1941

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