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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

in downtown Indianapolis.The vehicle apparently fell from the fourth story of the Market Square Center Garage and landed on its roof in an alley behind the City Market.According to the Indianapolis Fire Department (IFD), a man and woman inside the vehicle, were killed.The vehicle fell shortly before 10 a.m. Wednesday. It wasn't immediately clear how the vehicle fell from the garage.IFD shared photos and video of the scene, showing the mangled car and blown out wall of the parking garage. 495

Mortgage insurance premiums required: 1.75% upfront and monthly premiums that vary with your loan term, loan amount and down payment, from 0.45% to 1.05% 156

With one week until election day, the campaigns for President Donald Trump and Democratic presidential nominee are hitting the trail with full force, as the candidates and their surrogates crisscross the country to make their final pitch to voters.And based on Tuesday's campaign stops, it appears Trump is playing defense while Biden is playing offense.Trump has an extremely packed campaign schedule on Tuesday with three planned rallies in Michigan, Wisconsin and in Omaha, Nebraska — all states and districts that Trump won in 2016, and likely needs to carry in 2020 if he hopes to win again.On the Democratic side, Biden will be making two campaign appearances in Georgia — a state that has voted for a Republican in the last six presidential elections. However, polls show that that the Peach State is a toss-up this year, and a Biden win in what has been a Republican stronghold could cause Trump's electoral map to crumble.Top aides for the candidates will also be out in full force on Tuesday. First lady Melania Trump — who rarely appears solo on the campaign trail — will deliver a stump speech in the key battleground state of Pennsylvania at 2 p.m. ET. Pennsylvania is one of the "Blue Wall" states that Trump flipped in the 2016 election, but recent polls show the state leaning toward Biden this year.Last week, Melania Trump canceled a scheduled campaign to Pennsylvania because of a "lingering" cough following her and her husband's COVID-19 diagnosis earlier this month.Former President Barack Obama also returned to the campaign trail on Tuesday, attending a drive-in event in the key battleground state of Florida.While campaigning for Biden, Obama decried Republicans' attempts to dismantle his landmark legislation — the Affordable Care Act — while simultaneously promising a replacement plan that has yet to materialize.Obama also hit the Trump administration for their response to the COVID-19 pandemic, particularly for holding what proved to be a "superspreader" event while celebrating the Supreme Court nomination of Amy Coney Barett.“I lived in the White House ... You know, it's a controlled environment. You can take some preventive measures in the White House to avoid getting sick," Obama said. "Except this guy (Trump) can't seem to do it. He's turned the White House into a hot zone."Obama also slammed Trump's foreign policy agenda, criticizing him for his embrace of dictators like Vladimir Putin and Kim Jong Un."You think he's going to stand up to dictators? He thinks Lesley Stahl is a bully," Obama said, referencing Trump's decision to walk away from a "60 Minutes" interview last week.After watching the 2020 primary race from the sideline, Obama has thrown his full weight behind Biden and made several campaign appearances in recent days. 2791

Graduate and go on to post-secondary education Is your child in a position to succeed? Are you in a position to help? Much of what you need for a positive start to the school year is available online -- if you know where to look. 10News has done the navigation for you, and put together this web guide to your district. 321

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