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People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304
People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

People are planning to take time off to travel through the end of the year, but of course, things look different because of the pandemic.“It’s not just as easy as it used to be to get in the car and go where you are going and have a great time,” said Jeanette Casselano McGee, a AAA spokesperson.First off, AAA says people will likely plan last minute. One in five travelers plan to book something only a week out, because people don't have a lot of confidence that they will be able to take the trip, because of how quickly things change with the virus.Most of these vacations will be road trips and to places that offer a lot of outdoors attractions.“Even if you are going to a national park, call ahead. Sometimes you need reservations or not everything may be open,” said McGee.It's also a good idea to check with hotels and restaurants in the area on capacity, as well as local and state virus restrictions.And there's promising new data for those planning to fly. The Department of Defense commissioned a 6-month long study using a United aircraft to learn more about the risk of COVID-19 exposure while flying.Mannequins were used to simulate coughing with a mask on and off. Sensors were placed in seats all over the plane to detect particles.It found after 300 tests both in the air and on the ground that when someone is wearing a mask, only .003% of particles made their way into another passenger's breathing zone, virtually 0%. Almost all particles are filtered out of the plane's cabin within 6 minutes.Last week, separate research by the International Air Transport Association found 44 published cases of potential in-flight transmission. Most happened in the early days of the pandemic when masks were not required. 1740
PINE VALLEY, Calif. (KGTV) -- After Larry McNamer received a cease-and-desist letter from San Diego County officials, during the first week purple tier restrictions went into place, he said he will not back down."This is what courts are for. I'll fight it, I will fight it," the owner of Major’s Diner in Pine Valley said.In the letter, county officials noted he could face up to a ,000 fine for every violation under the state's guidelines, which includes not allowing guests inside."It could be ,000. I don't care because I can't afford to pay it, so I couldn't pay it if I had to,” McNamer told ABC 10News.McNamer said it all boils down to survival of this business and what he thinks is right in an uphill battle with the county and the state."They're going to have be a lot more fair about doling this out and understand that we zero cases up here [in Pine Valley],” he said.Even as he continues to serve up hot plates inside, McNamer said nothing changes when it comes to safety measures given by the state. He said guests are sat apart inside and have the option of dining outdoors if they choose.ABC 10News caught up with a couple from Alpine who grabbed a bite to eat Friday morning, not because Major's was the only diner open but they wanted to support him after seeing him on ABC 10News newscasts."We saw they were in trouble and in need of assistance, so we came to support them,” the supporter, Mark, said.ABC 10News asked Mark and his wife if they thought customers supporting restaurants who defy public health orders are contributing to the problem of COVID-19 cases rates surging, as restrictions continue to grow."Show me the data that these are sources of community spread because the data I see doesn't show that,” Mark said.McNamer said he's been receiving postcards and letters from people across the county supporting his choice of staying open to survive."It empowers you, it lets you know you're doing the right thing,” he said. 1967
PITTSBURGH — After receiving criticism following back-to-back losses against the Buffalo Bills and the Cincinnati Bengals, Pittsburgh Steelers wide receiver JuJu Smith-Schuster told reporters on Wednesday that he will stop dancing on team logos for TikToks prior to games. 280
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