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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 George W. Bush gave a tearful eulogy to his father, President George H.W. Bush, Wednesday at a state funeral for the 41st president of the United States.The younger Bush choked up as he quoted his father's inaugural address from 1989."In his inaugural address, the 41st President of the United States said this: 'We cannot hope to only leave our children a bigger car, a bigger bank account,'" Bush said. "'We must hope to give them a sense of what it means to be a loyal friend, a loving parent. A citizen who leaves who home, his neighborhood and his town a better place than when he found it. What do we want the men and women who work with us to say when we are no longer there? That we were more driven to succeed than anyone around us, or that we stopped to ask if a sick child had gotten better and stayed a moment there to trade a moment of friendship.'"Photos: State funeral for George H.W. Bush"Well, Dad, we're going to remember you for exactly that and much more," Bush continued. "And we're going to miss you. Your decency, sincerity and kind soul will stay with us forever. So through the tears, let us know the blessing of knowing and loving you, a great and noble man. The best father a son or daughter could have."At this point, Bush stuttered and took a moment to choke back tears."And in our grief, let us smile knowing that dad is hugging Robin and holding Mom's hand again."Robin was George H.W. Bush's second child and first daughter. She died of cancer in 1953 at the age of 3.Watch Bush's eulogy to his father in the player below.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.  1700

President Trump wants Japan Inc to "try" building vehicles in the U.S."Try building your cars in the United States instead of shipping them over. Is that possible to ask? That's not rude. Is that rude? I don't think so," Trump told executives from automakers including Toyota and Mazda during a trip to Japan on Monday.Japanese automakers, however, already have huge factories in the U.S. that churn out millions of cars each year. 439

President Donald Trump signed a presidential proclamation Friday morning that will bar migrants who cross into the US illegally through the southern border from seeking asylum.Trump told reporters that he had "just signed" the proclamation as he departed the White House on Friday morning en route to Paris.The proclamation put into effect a new rule the Trump administration entered into the federal registry on Friday that would ban migrants from applying for asylum outside of official ports of entry. The American Civil Liberties Union has already called the rule "illegal," and legal challenges are expected to follow.The executive action is the latest the President has taken to clamp down on illegal immigration and to discourage the group of migrants now traveling through Mexico, many of whom want to seek asylum in the US, from making their way toward the country. Trump announced Thursday that he would make such a move.The-CNN-Wire 951

President Donald Trump's son-in-law and senior adviser, Jared Kushner, had his White House security clearance restored Wednesday, a person familiar with the matter said, after months of uncertainty stemming in part from his role in the ongoing investigation by special counsel Robert Mueller.Kushner was stripped of his interim clearance in February amid an overhaul of procedures governing access to the nation's most sensitive secrets following the resignation of Rob Porter, the President's staff secretary, who had been allowed to remain in his post for months despite allegations of spouse abuse.The Mueller probe has also hung over Kushner's status in the White House, in part because some of the matters under investigation relate to his role during the campaign and the transition, including contacts with Russians, as well as events that occurred in the early months of the Trump presidency, such as the firing of former FBI Director James Comey.In April, Kushner met with Mueller's investigators for a second time and answered questions for seven hours, according to his attorney, Abbe Lowell. He had previously sat for an interview last November that was largely focused on former national security adviser Michael Flynn, who soon after pleaded guilty to charges of making false statements to the FBI.White House officials have blamed the delay in Kushner receiving his security clearance on administrative backlogs normal to a new administration, as well as the complicated nature of his application. But Kushner's troubles were compounded at least in part because his initial security clearance application didn't list dozens of foreign contacts that he later included in updated submissions to the FBI.Kushner's initial SF-86 form did not mention any foreign contacts, though he quickly supplemented it to indicate that he would provide that information. He updated the form in the spring, listing about 100 contacts, but did not mention the June 2016 Trump Tower meeting he attended with Russian lawyer Natalia Veselnitskaya, Donald Trump Jr., and former Trump campaign chairman Paul Manafort. Kushner updated the SF-86 forms once more in June to include that meeting. 2191

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