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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

Reported cases of fraud and identity theft have skyrocketed since the pandemic began in the United States. One expert said COVID-19 has created an unparalleled opportunity for scammers.For Holly and Tony Chilicas, the nightmare began decades ago – in a time before widespread cyber scams and coronavirus. In fact, it happened in a very analog way -- Tony’s wallet was stolen.“I was a dumb kid and I didn't think nothing of it. I'm like, ‘I'll just cancel my credit cards and I'll get it a new license, I'll...’ And I had my social security card in there, and I didn't know,” said Tony.After that theft, his identity was stolen – over and over again.“Basically, his social security number has been used in upwards of 10 different states by 20 plus people,” said Holly.She said one was even caught red-handed. She shared a police report from 2006 when a man named Jorge Campos Ramirez was caught with Tony Chilicas’ name and social security number and admitted to a police officer he bought Tony’s information at a grocery store and had been using it for months to get work.“They talked to the guy and he bought Tony’s social security card and driver's license for ,” said Holly.Holly and Tony said that’s just one case of many, and it’s led to Tony being charged hundreds of thousands in back taxes he didn’t owe and a lowered credit score. He even had to put off legally marrying Holly until he got some of it straightened out with the IRS -- a process that took 10 years -- and he said it’s still not completely fixed.“So, if it happens to me and I'm just an average Joe, it could happen to anybody,” said Tony.It is happening more and more. According to the Federal Trade Commission – the agency that handles identity theft and fraud concerns at the website IdentityTheft.gov – so far this year, there were more than 1.8 million reported cases of fraud and identity theft. Nearly 190,000 of those are directly connected to the coronavirus pandemic, and those COVID-related fraud cases really skyrocket right as many states were putting lockdowns in place.“COVID-19 has created – I don’t even have a word for it – COVID-19 has created this opportunity for scammers that is unparalleled,” said Eva Velasquez, president and CEO of the nonprofit Identity Theft Resource Center.Velasquez said all the scams that have been around for a long time that are often regional – like those that happen after a disaster, a health scam, fraud, phishing – they’re all happening right now because the pandemic is universal. She said everyone’s emotions are heightened right now and scammers prey on that.”Well, there is just a panoply of scams that are popping up because of COVID, and so there is going to be a very long tail on this fraud because there are just so many different types, and they're all escalating,” said Velasquez.She said one scam they’re hearing a lot about now is unemployment identity theft.“There are a lot of factors here that are creating this increase [in unemployment identity theft], the first one is it's actually more lucrative now,” said Velasquez.She said that was due to the 0 weekly pandemic bump, she also said that most people who were scammed didn’t know it until it was too late.“The one that we are hearing the most in our call center is the one that's the most devastating, these people that are calling us their scared, they're angry, they're in tears,” said Velasquez. “They legitimately need these benefits in order to meet their basic needs, and they can't get them because a criminal has basically circumvented those benefits and taken them away from them.”Others scams unique to this time we are all living in are scams surrounding contact tracing.“We really do need to participate in [contact tracing]. It is very important for us to get a handle on this when there are contact tracers that are trying to do their job, that they get cooperation from people, however, the scammers know that and they are trying to leverage it,” said Velasquez.She said the good news is there’s some pretty universal advice when it comes to scams and any contact you didn’t solicit: go to the source.She said if you get an email you didn’t ask for – even if it looks official – don’t click on any links. She said, especially now, it’s important not to panic, to step back and try to verify the information in a different way by going to the source. She said the same goes for phone calls you didn’t ask for --whether it’s a contact tracer or someone who says they’re from your bank -- ask the caller questions about themselves, where they’re calling from and why. She said then hang up and find a phone number yourself you know is correct and call back. No one who’s trying to contact you for a legitimate reason will ever yell at you or threaten you for trying to keep your identity safe.She also said for those who might be afraid they’re being rude – especially those in the older generations – that it’s not rude to protect yourself.“It's not rude to say, I have to verify who you are, and if someone starts yelling at you or demanding things of you, it's not rude to hang at the phone,” said Velasquez.It’s a sentiment Tony agrees with 100 percent. He speaks with the experience of a man who’s spent more than a decade trying to get his identity back and trying to get a new social security number.“Be rude! Who cares, hurt someone's feelings. And they don't care about you,” said Tony.In other words, be smart, be aware and be your own advocate. 5478

President Trump took a shot at his former lawyer and self-proclaimed "fixer" Michael Cohen this morning, hours after Cohen pleaded guilty to eight felony charges — including a campaign finance charge he says came at the President's request."If anyone is looking for a good lawyer, I would strongly suggest that you don’t retain the services of Michael Cohen!" Trump tweeted.RELATED:?Michael Cohen pleads guilty, implicates TrumpTrump also falsely claimed in a later tweet that Cohen's campaign finance violations were "not a crime" — despite the fact that Cohen had agreed to plead guilty to the charges. The eight charges to which Cohen agreed to plead guilty included campaign finance violation charges relating to hush money payments to two women who had affairs with Trump.Wednesday's tweets were the first times Trump had directly addressed Cohen by name since the attorney pleaded guilty to eight charges on Tuesday afternoon. He chose not to address the issue at a campaign rally in West Virginia last night.   1045

President Donald Trump urged his supporters Friday not to boycott two Senate runoff elections in Georgia in January that will determine which party has control of the chamber.His tweet comes after Politico reported Thursday that his continued attacks on Georgia's electoral system have disillusioned his voters and caused some to call for a boycott of the vote.In addition, Politico reports that some of Trump's most ardent supporters on Twitter and the conservative-learning social media platform Parler are accusing the two Republican candidates up for election — Sens. Kelly Loeffler and David Perdue — of being "insufficiently pro-Trump" and complicit in the voter fraud conspiracies.On Friday morning, Trump retweeted a Newsmax story about a potential boycott of the Georgia vote. In his tweet, Trump tried to walk the line between continuing to push fraud claims while still rallying the vote."No, the 2020 Election was a total scam, we won by a lot (and will hopefully turn over the fraudulent result), but we must get out and help David and Kelly, two GREAT people," he tweeted. "Otherwise we are playing right into the hands of some very sick people. I will be in Georgia on Saturday!" 1202

PROVO, Utah — Unproven conspiracy theories about COVID-19 have caused a group of people to try and breach a local hospital, officials say.The group, fueled by the unsubstantiated theory that hospitals are misrepresenting capacity levels, has attempted to break into the Utah Valley Hospital in Provo.The hospital recently reported during a Provo City Council meeting "that a few individuals without a medical need have attempted to gain physical access to the facility with the intent try to confirm fake conspiracy theories — such as hospitals are not busy and that reports of the COVID-19 surge are false."It was unclear if anyone was arrested or cited for the disturbances."Hospital staff have also fielded some telephone calls regarding similar false conspiracy theories. Although these situations are few and isolated, stopping attempts to gain inappropriate access and responding to fake conspiracy theories diverts attention from providing lifesaving care provided at the hospitals," said Intermountain Healthcare, which operates Utah Valley Hospital, in a statement. "COVID-19 is real and the hospital is seeing large increases in patients with the virus. Staff are stretched and are working many extra hours to meet community needs. We ask the public to join with us, mask up, wash hands, social distance, and stay home when sick so we can care overcome the challenges of this pandemic in our communities."On Thursday, Utah saw its highest number of new COVID-19 cases in a single day — nearly 4,000 and nine new deaths.Hospital capacity is at 87%, meaning many medical centers are running out of places and staff to take care of those who contract the deadly virus.The surge in cases in Utah comes as the virus spreads uncontrollably around the country. Thursday marked a record with 150,000 new cases and was the 10th consecutive day in which 100,000 people were diagnosed with the virus.This story was originally published by Ben Winslow on KSTU in Salt Lake City. 1984

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