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Congratulations to Pres-elect Biden on a successful campaign. All Americans need to come together to support Pres-elect Biden. Our nation will only be successful if the new admin is. We must work together to enact bipartisan legislation & solve the problems our country faces 1/2— Francis Rooney (@RepRooney) November 8, 2020 337

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

Communities are still rebuilding after a Category 4 Hurricane Laura hit Louisiana in August.“I feel like I was coming to a third-world country when we came back," described Pam Abshire when she returned to southeast Louisiana home following the storm.As she assessed the damage to her home, Abshire began picking up shards of glass from the windows that were blown out by the hurricane.Abshire is an elementary school art teacher. She says she plans to use the glass for a project at school."They’ll have something to remember and they can hang on to," she said.The year 2020 has proven that Mother Nature knows how to challenge those who live in places like the Gulf Coast.In October, Hurricane Delta brought flooding, wind, and more pain to those who are still trying to clean up after Hurricane Laura less than two months ago.Dr. Tyson Green's home was destroyed by Laura and he doesn't know where his family of six will call home next. His family evacuated ahead of the storm, but he stayed behind to care for his patients. Now, he's raising thousands of dollars for frontline medical workers who lost everything in the storms.Other businesses, who were already struggling through the pandemic, are trying to stay afloat.As a man with a guitar plays upbeat music outside Jason Machulski's downtown Lake Charles market, business is giving him a positive outlook.Like many business owners this year, the pandemic has been a fight.“We provided toilet paper, essentials, meat, bread, cleaning supplies, but it hit us financially pretty bad," Machulski recalled.Hurricane Laura knocked his power out for a month. His lights are now back on, but for many others, they’ll stay dark.“A lot of businesses that are local staples are just gone," he said.The people of Lake Charles may wonder why Mother Nature chose them.“You just trust in God that he’s going to take care of things," said Abshire.For those still sifting through the rubble, rebuilding is less about why and more about what you can learn on the journey to recovery.“Picking up the pieces and going forward, and that’s what we’re going to do," Abshire said. 2124

CLEVELAND — Twenty-seven men from Northeast Ohio have been arrested after they allegedly expressed interest in engaging in sexual activity with undercover officers those men believed to be minors during an operation led by the Ohio Internet Crimes Against Children (ICAC) Task Force called “Operation Moving Target,” according to Cuyahoga County Prosecutor Mike O’Malley.Initial charges were filed against the individuals include attempted unlawful sexual conduct with a minor, disseminating matter harmful to juveniles, importuning, and possessing criminal tools.The arrested individuals include:Adam Davis, 41, PainesvilleRajwant Singh, 44, Mayfield HeightsGermaine Truett, 38, ClevelandJason Johnson, 37, ClevelandRonel Washington, 24, Garfield HeightsHector Pietri, 29, ClevelandKyle Vansteenburg, 28, ClevelandRaphael Robinson, 26, ClevelandCorey Huber, 32, ElyriaMichael Labondano, 30, LyndhurstNicholas Cook, 38, Bedford HeightsChazz Johnson-Hawks, 22, SolonIan Rensel, 43, BedfordJerry Harris, 35, WestlakeCarson Strnisa, 21, Seven HillsJustin Cowger, 22, ClevelandKim Koran, 61, ClevelandNathan Troup, 39, New Castle, PA (Registered Sex Offender in the State of Pennsylvania)Abed Aldur, 45, ParmaArturo Martinez, 47, University HeightsPhillip Jones, 30, StreetsboroKeith Kozak, 41, BrooklynPedro Correa Jr., 42, ClevelandRyan Dempsey, 37, AshtabulaJohnathan Smith, 34, ClevelandRobert Spisak, 45, Broadview HeightsJason Schmucker, 37, CantonThe four-day operation started on Aug. 24 and ended on Aug. 27. The arrested individuals, ranging in age from 21 to 61 years old, allegedly engaged in sexually explicit online conversations with undercover officers posing as children on popular social media applications, according to a news release.The county prosecutor alleges that the men expressed interest in engaging in sexual activity with the purported children and/or disseminated images of their genitals during these online conversations.After the conversations, the individuals traveled to a pre-arranged location, which was a vacant house in Cuyahoga County, to engage in sexual activity, with the undercover agents posing as children.All were arrested and taken to the Cuyahoga County Jail. Several of those arrested were in possession of firearms, condoms, lubricant, sex toys and drugs.Each case will be presented to a Cuyahoga County grand jury.“As we have seen the number of Cybertips dramatically increase this year, it is clear that online predators remain a serious threat to our children,” said O’Malley in a release. “Hopefully the success of yet another operation serves as a stern warning to offenders that you will be found, you will be arrested, and you will be prosecuted."This article was written by Kaylyn Hlavaty for WEWS. 2762

Community colleges have always put career readiness at the forefront of the courses they offer. Now, in the current economic downturn, they're hoping to increase their student to job pipeline."We really feel like our role is to identify what jobs are available right now for students that they can apply and be working while going to school. What are the future jobs that we need to be preparing students for?" asked Dr. Shanna Jackson, the President of Nashville State Community College in Tennessee. Dr. Jackson says students are battling so much right now, including choosing between having to work and going to school.Dr. Jackson is hoping an million investment in the company Handshake, to help expand job recruitment to community colleges, will help."We actually already have 70 community colleges that have already signed on to be early pilot partners with us so we're really learning from them. We’re listening to them. We’ve started an advisory group with this population so that we can continue to ascertain what are the biggest pain points. What are their biggest areas of need for these students," said Christine Cruzvergara, Handshake's VP of Higher Education and Student Success.Handshake helps connect students with employers through career fairs, job postings and other services, and previously only worked with four-year universities. Cruzvergara says they're working with state systems throughout the country to connect with technical and community colleges."It'll be a really similar experience. It’ll all be part of one network and that's actually why it's a huge benefit to community colleges. We know for some of our biggest employers that they want to recruit 2-year talent. They don't see 2-year talent as different from 4-year talent for internships and jobs, they simply have a number of different types of roles and positions that are available to all types of students," said Cruzvergara. The partnership hopes to bring new recruitment benefits to students."The tools that something like this provides really enhances their opportunity to cast a wider net and then they can decide which job offer they want to say yes to instead of maybe taking the first one they hear about," said Dr. Jackson. Dr. Jackson says more employers are realizing the value of an Associate's Degree and the technical skills it can often provide, especially in today's economy. 2393