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close to where a man was found shot to death earlier Tuesday morning, according to the medical examiner.Police and EMS responded at around 8 a.m. to an open field where a 30-year-old male victim was pronounced dead at the scene from a gunshot wound. 251

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

– also from YPCCC – shows that in 2018, the national average of registered Republicans who think global warming is happening was 52% and Democrats 91%. One key difference between the YPCCC studies and Boven’s is that Boven included all people, and not just registered voters. That’s why he suspects his percentage for Republicans may be higher because it included younger conservatives who aren’t registered to vote.“The younger conservatives are much more likely to believe in climate change, and they’re much more likely to talk to their family members who are also likely to be conservatives,” Boven said. Republican Jimmy Sengenberger says while climate change may not be a priority for the Republican Party, he’s personally noticed an increasing number of Republicans caring about the issue. “It’s more among the younger crop of Republicans, but I think that when I talk to a lot of older folks on the Republican side, they’re also recognizing that it’s an issue that conservatives and Republicans cannot and should not just ignore,” Sengenberger said.So, where did this misconception about climate come from? And why have people considered it a highly-politized issue? Boven says it’s hard to know for sure, but he believes it’s likely come from political leaders.“And so, we had this environment where Democratic and Republican leaders became very divided in their discourse on climate change, and that caused ordinary Democrats and Republicans to believe there was this sharp division between other ordinary Democrats and Republicans,” Boven said.In actuality, Boven says he’s found most people don’t want such a large divide between parties.“Most Americans, they value bipartisanship. They value thinking open mindedly about ideas from the other side.”The independent, Democrat and Republican in this story all agree it’s important to take care of our planet and the people on it.“My personal philosophy is that the earth and the environment are a gift to us, and that we’re charged to take care of it,” independent Mason said.“When I look at my youngest granddaughter, my heart just aches because I don’t know what’s in her future,” Democrat Dike said.“I don’t think there’s any American that wants to destroy the environment or destroy the world climate. We’re all together in the idea that we should protect the environment. It’s more how you go about it I think than anything else,” Republican Sengenberger said.“I would say that climate change has become a bipartisan issue, yes. Now whether solutions to climate change will become bipartisan, that may be a more difficult question,” Boven said.  2617

from a 2018 hostage situation at a local convenience store.The office released the video after it determined that officers were justified in their use of force.Police say 53-year-old Joel McClain Carson entered a 215

Zachary Cruz left a dog boarding facility in Greenacres, Florida on Sunday with a dog named Coby in his arms. Coby is one of two family dogs he plans to take to his new home in Virginia.Back on Valentines Day, Cruz's adopted brother Nikolas killed 17 students and staff at Marjory Stoneman Douglas High School in Parkland. "A lot of things I wish I would have done to prevent it, wish I could have stopped him somehow," Zachary said.Zachary said he and his brother fought a lot when they were younger though their relationship improved as they grew.RELATED: More Parkland coverage "I felt I was too hard on him at times. He was a fragile person. Mom was always there for him," added he said.A judge on Friday gave Zachary permission to move from South Florida. He was on probation after a March arrest for trespassing at Stoneman Douglas.Zachary is being helped by the legal rights group Nexus Services. He'll get counseling, and a job as a maintenance technician."I think getting him to a new place where he can come out of the shadow of his brothers heinous act and get an opportunity is really important," said Mike Donovan with Nexus."I just want to end bullying, it's just dumb.  Everyone deserves to fit in," Zachary said.As for his plans in Virginia, Zachary said he wants to finish high school, start an anti-bullying campaign and live his life. 1406

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