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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

The ability to regrow their tails has been a documented and life-saving skill of small reptiles like lizards and geckos. Now, researchers say they have details of larger reptiles, alligators, regrowing their tail.A team of scientists from Arizona State University and the Louisiana Department of Wildlife and Fisheries were surprised to discover the alligators have the ability to regrow their tails up to 9 inches. Their report was recently published in Scientific Reports.“Overall, this study of wild-caught, juvenile American alligator tails identifies a distinct pattern of wound repair in mammals while exhibiting features in common with regeneration in lepidosaurs and amphibia,” the researchers concluded.The wild-caught alligators most likely lost their tails by traumatic injury, the scientists stated. The team also had samples of regrown tails from alligators who had died."The regrown skeleton was surrounded by connective tissue and skin but lacked any skeletal muscle (which lizard tails do regenerate with)," Kenro Kusumi, co-senior study author and professor and director of ASU's School of Life Sciences and associate dean in the College of Liberal Arts and Sciences, told CNN.Even without muscles, a regrown tail is important for alligators’ survival.The team hopes their research will help scientists working on regenerative therapies in humans. Although humans are incapable of regrowing a limb, researchers said we have the same cells and pathways that alligators and other animals use for regeneration. 1532

Sudan, the world's last male northern white rhino, has died.For nearly a decade, Sudan lived in a 700-acre enclosure at the Ol Pejeta Conservancy, against the backdrop of the hulking Mount Kenya.Armed guards protected him 24 hours a day because he belonged to a subspecies on the verge of extinction from poachers. Rhinos are targeted by poachers fueled by the belief in Asia that the horns cure various ailments. 421

Statement from Stephen Miller: “Over the last 5 days I have been working remotely and self-isolating, testing negative every day through yesterday. Today, I tested positive for COVID-19 and am in quarantine."— Jim Acosta (@Acosta) October 6, 2020 255

The birthday party for a 5-year-old Davenport, Iowa boy turned into one he’ll never forget when several officers from the Davenport Police Department accepted his invitation to attend.Jackie Martin took to Facebook to share the story of her son, Brayden, and his love for police officers. According to Martin, he loves everything about them, so it shouldn’t come as much of a surprise when Brayden decided he wanted to have a police officer-themed birthday party this year.Brayden personally delivered invitations to the police station in hopes of getting to see a squad car.But what he got in return was so much more.Over the course of the day, seven different officers made their way to Brayden’s party. Detective Donnie Pridemore even brought a pin-on badge with him and Brayden was pinned an official junior officer of the Davenport Police Department.“They went above and beyond to make my son feel like part of the team and really made today so special and allowed us the opportunity to continue to show Brayden the importance of respecting the law and those who uphold it,” said Martin, “they may not wear capes but today, they were definitely the heroes.”Check out the full post from Jackie: 1206

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