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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

CORONADO, Calif. (KGTV) -- The City of Coronado has completed a bridge study in an effort prevent suicides on the Coronado Bay Bridge.The study, conducted by Caltrans, shows that two-thirds of those surveyed say they are in favor of adding a physical barrier on the bridge.The study showcases a number of options for adding a barrier, though there are several popular options.RELATED: Caltrans reveals possible suicide barriers for Coronado Bridge?Among the most popular options is a wire mesh fence that would cost up to million. A curved wire mesh fence that would also cost up to million and a transparent panel barrier that could cost as much as 7 million."The completion of this study is the first official step towards saving lives and keeping our traffic moving," said Coronado Mayor Richard Bailey on Facebook. Caltrans has said it will take several years to put up the barriers due to the need for environmental impact studies and to get funding for the project. Click here to read through the full study. 1048

CORONADO (KGTV) - An Arizona man is recovering from a bacterial infection he says he got from swimming in the ocean off the coast of San Diego.Travis Moncur had part of his forearm removed last week after doctors discovered he had gram positive cocci.The Arizona based event coordinator says he went swimming Sunday near the Hotel Del Coronado and by Wednesday he was in an emergency room.RELATED: Tijuana steps up efforts to keep sewage out of U.S.“For the first 24 hours they didn’t know what it was because it was acting like a bug bite,” said Moncur.Travis says he had a fever, was nauseous and the area where he had a small cut was painfully sensitive to the touch.“It was pretty dire,” said Moncur, “they said had I not gotten on top of it right away it would have got into my blood system and I could have gotten an infection in my brain.”Moncur says doctors told him the variety of coliform bacterial infection they believe he is consistent with dirty water.RELATED: Imperial Beach businesses hurt by sewage & runoff related closuresThe San Diego County Health Department says there no advisories for any of the areas where Moncur was swimming and they recommend covering any cut before going in the water.Moncur’s doctor will get back results to help them potentially determine the source, but he is still worried about the possibility of others getting what he has. “We were playing on the beach with people who had children” said Moncur, “I was able to catch it because I went to the ER right away.” 1528

Country superstar Garth Brooks is bringing a concert to people in their cars across the U.S. later this month.Brooks will host a concert event at 300 drive-in theaters across North America on June 27. He made the announcement on Good Morning America this week. "I am so excited to get to play again. I have missed it so much and want to get back to it," Brooks said in a statement. "This drive-in concert allows us all to get back to playing live music without the uncertainty of what would be the result to us as a community. This is old school, new school, and perfect for the time we are in."Tickets cost 0 per car and will go on sale June 19."Families need safe entertainment options that they can enjoy together this summer," said Walter Kinzie, Encore Live's founder and chief executive officer. "We're excited to partner with Garth, who's already done so much to help the entertainment industry during these tough times, to provide a truly unique and incredible concert that will do a whole lot of good for local businesses and communities."Brooks has had to cancel several upcoming concerts amid the COVID-19 pandemic. In February, he played to a sold-out Ford Field with more than 70,000 tickets sold in just 90 minutes.This story was first published on WXYZ. 1286

Congratulations to @SpeakerPelosi, once again elected by House Democrats to be our fearless leader and nominee for Speaker of the House for the 117th Congress! #DownWithNDP #ForThePeople— House Democrats (@HouseDemocrats) November 18, 2020 247

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