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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

With a down payment lower than 20%, private mortgage insurance is usually required. Monthly fees vary according to credit score, loan-to-value and insurer, and range from 0.55% to 2.25%. 189

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YORBA LINDA, Calif. (KGTV) - The Blue Ridge Fire started Monday, Oct. 27 on the west end of Corona in Riverside County then quickly moved into Orange County. As of Tuesday evening, 15,200 acres burned with 0% containment. Fire officials said ten homes were damaged in this fire. Related: Blue Ridge Fire: Wind-driven fire burns 15,200 acres, damages homes, forces evacuations in Riverside and Orange countiesUnlike most of the day Monday, firefighters on the ground were expected to get help from helicopter water drops on Tuesday as the intense winds have lessened, Orange County Fire Authority Capt. Thanh Nguyen said."It's windy, but not as bad as yesterday," Nguyen said.Mandatory evacuation orders were issued at 4:25 a.m. in Chino Hills for residents south of Soquel Canyon Parkway, including the entire area of Bell Ridge Drive and Golden Terrace Drive on the west to Misty Hill Drive on the east. Also under a mandatory evacuation order are communities north of Soquel Canyon Parkway at Pipeline Avenue, west of Wickman Elementary School, including homes on Winged Foot Way, Pebble Beach Lane, Singing Hills Drive, August Drive and Firestone Lane.Tuesday, locals in Chino Hills near the Butterfield area packed up to leave as flames quickly approached their neighborhood from surrounding hills. Many doused their yards with water using their hoses, bracing for the worst.“It’s pretty scary to see, it’s right behind me. It would be scary to see this whole neighborhood go up in flames,” said Katlin Lindsay, whose parents just moved into their home in the last year.Others chose to defy the mandatory evacuation, saying they’ve seen fires come this close in the past and they have faith in firefighters to save their homes.ABC 10News was there when the flames quickly approached one home on the outskirts of this neighborhood and watched as crews surrounded the home, ready to save it, but successfully extinguished the fire before it got to the house.“Just have to wait it out and come back in the next few days and look at the black hills but know that our homes are safe,” said Byron Walker, confident that they would have a home to return to after evacuating.At the end of the day, the hills surrounding the Chino Hills neighborhood were black, but the homes were standing. One woman who earlier had prayed as she watered the area around her home said that her prayers worked. Their homes survived. 2418

with illegally buying body armor and components for the weapon used in the deadly mass shooting on Aug. 4.Ethan Kollie, 24, of Kettering, admitted buying an upper receiver that was attached to Connor Betts's AR-15 and the 100-round double-drum magazine Betts used to kill nine people in the Dayton entertainment district, according to an affidavit.Kollie and Betts allegedly assembled the AR-15 in Kollie's apartment 10 weeks ago, according to U.S. Attorney Benjamin Glassman. Kollie bought the drum 6-8 weeks ago and that's when Betts then took possession of all three components.Kollie's admitted drug use made it illegal to purchase or possess a firearm or components, and Kollie is being charged for lying on federal firearm forms, according to Glassman.Glassman said there is no evidence that Kollie participated in the planning or shooting with Betts.Kollie, who was arrested Friday, said he and Betts did "hard drugs," marijuana and acid together four or five times a week between 2014 and 2015, according to Glassman. Kollie also told FBI agents he smokes marijuana every day and has done so since he was 14, and that he uses psychedelic mushrooms he grows in his residence, Glassman said.Kollie had a concealed carry permit and owned a micro Draco pistol, a Taurus semi-automatic and a .38 Taurus revolver, Glassman said. Agents interviewing Kollie at his apartment said they smelled marijuana and saw a bong and the Draco pistol in plain sight.When agents returned with a search warrant, they said Kollie was carrying the .38 and what they believed was a small amount of marijuana.When purchasing weapons, Kollie checked the "No" box when asked if he used drugs, Glassman said.Kollie said he kept the gun components and body armor he bought for Betts earlier this year because Betts wanted to hide them from his parents, according to Glassman.Glassman and Todd Wickerham, Special Agent in Charge of the FBI office in Cincinnati, announced the charges at a 2 p.m. news conference in Dayton.Glassman said the FBI investigation is continuing and anyone who assisted Betts or had prior knowledge of the attack would face federal charges.Wickerham said the FBI is still examining the cell phone Betts was carrying at the time of the attack.Kollie faces up to 15 years in prison if convicted, Glassman said. 2314

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