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Remote learning is a new challenge for many students who were previously used to roughly eight hours of face-to-face learning in a classroom each day.Some students are struggling to learn in this new environment, and while some parents can afford a tutor to bridge any learning gap, most families simply cannot. However, there are some new affordable and even free live tutoring options for those families.“We developed out two new products to aid our customers,” said Steven Cox, the CEO and Founder of TakeLessons.com.Take Lessons originally offered 1-on-1 tutoring online, but since the pandemic started it has launched two more affordable, live group tutoring programs. The first option is a month and offers unlimited live-tutoring sessions. The only catch is instead of the lessons being 1-on-1, each lesson is with a group of five to 20 students at a time.“It’s really a tremendous benefit for people who still need to get great education with quality teachers but simply it is out of their range to do private lessons,” said Cox.For some families, though, even a month is more than they can afford, so Take Lessons now has a free option. This option allows students to watch a live lesson, but instead of video chatting with a tutor, they have to message them. The groups of students in these live sessions are also much larger.“It is our way of giving back that I believe right now and where we are as a country is needed more than anything else,” added Cox.Take Lessons is not the only organization offering affordable and free help.“There are a lot of free resources that are available,” said Francesco Lecciso, co-founder of Brainfuse.Brainfuse has partnered with hundreds of public libraries around the country to provide free online live tutoring. Brainfuse provides the platform and the libraries provide the free, live tutors available to students in almost every state.To access the free resource, Brainfuse recommends contacting your local library. It has the portal system and user information to gain free access.Between Brainfuse, Take Lesson, and other services out there, online learning can be a more equitable experience and one that helps all students thrive. “One of the advantages is there are so many options, so you can observe your child and see what works best,” said Lecciso. "Some kids work best just going through self-paced lessons and other kids need human mediation, so seek that out through free resources.” 2462

President Donald Trump announced today he wants a tax bill to pass by Thanksgiving and be signed by Christmas.The President, speaking at the White House today, also said it will be the biggest tax reform event in history and the bill will benefit the middle class and businesses. He says Democrats may support the proposed bill.The not-yet-released bill has already attracted ire from one powerful outside group. And House Ways and Means Chairman Kevin Brady announced Saturday he'd already made one concession to assuage concerns?from northeast Republicans, a sign of the major legislative undertaking Republicans are about to embark on. 661

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

President Trump took to Twitter on Thursday to personally confirm reports that he is hiring CNBC contributor Larry Kudlow has his next economic advisor."Larry Kudlow will be my Chief Economic Advisor as Director of the National Economic Council. Our Country will have many years of Great Economic & Financial Success, with low taxes, unparalleled innovation, fair trade and an ever expanding labor force leading the way! #MAGA," Trump tweeted.  461

Retail giant Target announced that they are giving out more than million in bonuses to frontline employees ahead of the holiday shopping season.On Monday, the company said that more than 350,000 employees - which includes employees who work in stores, the distribution centers, and seasonal hires - will all receive a 0 bonus."In a year like no other, I'm proud of what this team has accomplished and grateful for the care and connection they've provided our guests and communities," said Melissa Kremer, Target's chief HR officer, in a blog post. "Target's success this year is a direct result of our team members turning our purpose into action and meeting our guests' changing needs day after day."This is the fourth bonus Target has given employees this year amid the coronavirus pandemic.The company said its already invested nearly billion so far this year on employees' well-being, health, and safety.Target delivered on its 2017 promise of paying a starting wage of hour - which went into permanent effect on July 5.Target says the 0 bonus will go to employees by early November. 1112

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