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Following Emergency Use Authorization by the FDA and a formal recommendation from the Centers for Disease Control and Prevention (CDC) over the weekend, the first Americans began receiving Pfizer's COVID-19 vaccine on Monday.As the sun rose on the east coast, medical professionals began distributing vaccines to patients who had lined up for an initial dose.In New York, Gov. Andrew Cuomo was there to witness the first injection in his state. According to Scripps station WPIX in New York City, the first person to receive the vaccine in the state was Sandra Lindsay, a nurse who works at Long Island Jewish Medical Center.Kentucky Gov. Andy Beshear was also on hand to see the first injections in his commonwealth.At 2:30 p.m. ET in Washington, D.C., Health and Human Services Director Alex Azar and Surgeon General Jerome Adams will be on hand to witness as health care workers at George Washington University Hospital will be among the first to receive the vaccine.The first injections of the vaccine came the same day that the U.S. is expected to surpass 300,000 COVID-19 deaths. As of Monday morning, Johns Hopkins reports that the U.S. had total 299,000 deaths; the country has seen more than 2,000 deaths a day in recent weeks.On Friday night, the FDA made the much-anticipated move to approve Pfizer's COVID-19 vaccine candidate for Emergency Use. The move allows the U.S. to begin inoculating Americans against COVID-19, which is currently spreading and killing at rates not yet seen during the pandemic.The FDA prompted Pfizer to begin shipping the first doses of the vaccine nationwide. On Sunday, the CDC issued a recommendation for the vaccine, giving health care professionals to start distributing shots to those that want them.Pfizer's vaccine requires two doses, which need to be taken 21 days apart. Everyone who receives an initial dose on Monday will need to return next month to complete the process.Pfizer's development of a COVID-19 vaccine — which studies have shown to be 95% effective in preventing the virus — in under a year is nothing short of a medical miracle. The previous speed record for vaccine development occurred in the 1960s when researchers developed a vaccine for the mumps in just four years.However, plenty of obstacles remain for the U.S. amid the pandemic. Anywhere from about 30% to 50% of Americans have expressed skepticism in getting a COVID-19. Health care experts suspect that about 70% of Americans would need COVID-19 antibodies in order to reach herd immunity.A COVID-19 vaccine developed by Moderna is expected to be granted Emergency Use Authorization later this week, and health care professionals could begin distributing that vaccine as soon as next week.An earlier version of this story mistakenly stated that the two doses of Pfizer's vaccine needed to be taken 28 days apart. 2847

Former Michigan State University women's gymnastics coach Kathie Klages was charged Thursday with two counts of lying to a peace officer in connection to the investigation into the school's handling of Larry Nassar's sexual abuse at the school, according to the Michigan Attorney General's office."While investigating how Larry Nassar was able to get away with sexually assaulting hundreds of individuals on and off Michigan State's campus, Klages denied to Michigan State Police detectives having been told prior to 2016 of Nassar's sexual misconduct," the release said."Witnesses have said that they reported Nassar's sexual abuse to Klages dating back more than 20 years."The charges are for both a felony and a misdemeanor, the release said. The arrest warrant was approved Thursday morning and Klages is required to turn herself in to Lansing Police by the weekend, according to Michigan Attorney General spokeswoman Andrea Bitely.Klages was the women's gymnastics coach when Nassar, a prominent team doctor for MSU and USA Gymnastics, sexually abused hundreds of girls and women for decades under the guise of providing medical treatment.Nassar pleaded guilty last year to state charges of criminal sexual conduct and federal charges of child pornography. As part of his plea deal, Michigan courts allowed any and all of his victims to speak to him and put their experience in the public record.Nearly 200 girls and women -- an "army of survivors," as they said -- came forward to describe harrowing tales of Nassar's abuse and to take on his system of enablers at Michigan State, USA Gymnastics and the US Olympic Committee.Klages, who retired in 2017, was one person named in the hearings. Gymnast Larissa Boyce said that she told Klages 20 years ago about Nassar's abuse, but nothing was done."Instead of being protected, I was humiliated. I was in trouble and brainwashed into believing that I was the problem," said Boyce, who at the time was a member of MSU's youth gymnastics program.Boyce said Klages told her that she could not imagine Nassar "doing anything questionable" and then discouraged her from filing a formal complaint, according to a federal lawsuit."This could have stopped in 1997," Boyce said. "But instead of notifying authorities or even my parents, we were interrogated. We were led to believe we were misunderstanding a medical technique.""I was not protected by the adults I trusted," she said.In the wake of the stunning sentencing hearings, Michigan Attorney General Bill Schuette appointed a Special Independent Counsel to look into who at Michigan State knew about Nassar, when they knew it, and what they did about it. The charges against Klages stem from that investigation.The-CNN-Wire 2734

Former President Barack Obama is expected to report for jury duty in Chicago on Wednesday morning.The former President is expected to appear at Chicago's Daley Center alongside a Secret Service detail, CNN affiliate WLS reports.Several black vans and SUVs were spotted outside his home in the Kenwood neighborhood early Wednesday morning.See the SUV's waiting for the Former President in this video: 407

Former Democratic presidential candidate Hillary Clinton sent mixed messages when she said she did not want to run for president again, but after hesitating she added that she would like to be president someday.When asked by tech magazine Recode's Kara Swisher at a taping Friday of the Recode Decode podcast whether she wanted to run for president again, Clinton said, "No, no."But after a pause and some prodding from Swisher, Clinton said, "Well, I'd like to be president.""I think, hopefully, when we have a Democrat in the Oval Office in January of 2021, there's going to be so much work to be done," she elaborated, later adding, "The work would be work that I feel very well prepared for, having been at the Senate for eight years, having been a diplomat in the State Department, and it's just going to be a lot of heavy lifting."When Swisher asked whether Clinton would be doing that heavy lifting, Clinton replied, "Oh, I have no idea. ... I'm not even going to even think about it till we get through this November 6 election about what's going to happen after that."Swisher tweeted Monday morning that Clinton seemed to mean she would have preferred to win the presidency in 2016, not that she planned to pursue it again."Tweeps, simmer down!" Swisher tweeted. "While it perhaps sounded like @HillaryClinton refused to rule it out, my take is she was basically implying she wishes she were president but doesn't relish running again." 1468

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

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