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Your trick-or-treating kids brought home candy you can't stand? (We're looking at you, licorice.) No worries. Check out the candy machine that swaps out all the treats you hate. Here's what else you need to know to get up to speed today.  256

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

-- along with a central processing center.It also is frequently visited by elected officials, including President Donald Trump. During his visit in January, Trump 164

citing an official autopsy released Friday.Skaggs was found dead in his hotel room on July 1 after he was late arriving to the stadium in Arlington, Texas. Skaggs had pitched just two days earlier. The Skaggs family released a statement to the Los Angeles Times: "We are heartbroken to learn that the passing of our beloved Tyler was the result of a combination of dangerous drugs and alcohol. That is completely out of character for someone who worked so hard to become a Major League Baseball player and had a very promising future in the game he loved so much.“We are grateful for the work of the detectives in the Southlake Police Department and their ongoing investigation into the circumstances surrounding Tyler’s death. We were shocked to learn that it may involve an employee of the Los Angeles Angels. We will not rest until we learn the truth about how Tyler came into possession of these narcotics, including who supplied them. To that end, we have hired attorney Rusty Hardin to assist us.”According to the CDC, fentanyl is 50 to 100 times more potent than morphine. Vomiting is considered one of the side effects of fentanyl, especailly when mixed with alcohol. 1178

With unemployment filings continuing to come in, many are unsure when or if they can pay the rent. Evictions are happening across the U.S. and experts predict it could get worse.“Most states, at this point, I would say have some sort of statewide policy in place. Although again many of those are expiring,” said Lavar Edmonds, a Research Specialist at Eviction Lab.Edmonds is talking about evictions. As state moratoriums end, the impacts on renters and landlords are unknown.“I would imagine you're looking at millions of households that are at risk of facing eviction in the coming months,” he said.The Eviction Lab has a team of researchers tracking the issue. Two years ago, they published a national database of evictions based on records. Now, they are looking at how states are handling COVID-19 and evictions.“In some places that has meant a stopping of eviction hearings,” Edmonds said. He continued to note it could also mean some places are stopping filings, others late fees, and a bunch of different rules.More than 40 million people have filed for unemployment since COVID-19 hit the U.S. according to the U.S. Labor Department. Studies show nearly 78% of renters were able to pay their April rent in the first week of the month, according to the National Multifamily Housing Council.This could be due to additional weekly payments provided by the CARES Act to those who are unemployed.“I now am on unemployment,” Desiree Kane said. “I’m concerned about that though, because the 0 a week pandemic support ends on July 31.”Back in March, Kane, a freelancer, found herself in a situation many others also experienced.“Over the course of 72 hours in the middle of March, I lost 100% of my clients and leads because of COVID,” she said. “I went from living by myself to living in an apartment where we’re splitting the rent multiple ways so that its affordable. But it’s a very small apartment and a lot of people.”Kane helped create the Colorado rent strike group on Facebook, a group calling for change with evictions and homelessness in the state. While she continues to look for a job, she fears that July 31 end date.“They’re calling it a cliff, and I very much feel that cliff,” Kane said.It's a cliff that landlords are also concerned about.“I have talked to a lot of landlords though that are worried their tenants aren't going to be able to pay their rent,” said Tom Orlando, owner of real estate firm Housing Helpers. “Business slowed down quite a bit.”While each rental situation is different, for many property owners, no rent payment means no mortgage payment.“I do see both sides. “I feel for the tenants who have lost their jobs,” Orlando said. “It’s also unfortunate for the landlord because they need to pay their mortgage. Most landlords do have a mortgage on their properties.”The Eviction Lab is now examining what states are doing to help. They rate states using a scorecard system.“Essentially a state by state look at what policies states are taking to combat evictions during the pandemic,” Edmonds said.Moving forward, the potential for evictions is unknown and varies state to state.“In 2016, we saw somewhere around 3.7 million filings, eviction filings,” Edmonds said. “I think it’s not so much a stretch to believe we’re gonna see something comparably, if not more severely, devastating for renter households.” 3361