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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

and report the crime to Cleveland police.On Oct. 16, officers responded to the 1700 block of East 12th Street after receiving a report of a woman who might be involved in a human trafficking case, police said.The woman, who is from Gambia, told police that she was sold to a family as a laborer to take care of a sick and elderly woman from Kuwait.According to the woman, she had been living with the family for the past four years in Kuwait and on Aug. 12 traveled to Cleveland with the family because the elderly woman required medical treatment at Cleveland Clinic.While speaking with police, the woman told officers that the family had been keeping her locked in an apartment at Reserve Square in the 1700 block of East 14th Street. She said that she never had the opportunity to report her situation to police or escape before because the family was either around or, if they left, they would lock her in a bedroom in the apartment.On Oct. 16, the family left her locked in the bedroom and left the apartment around 9:47 p.m., and for the first time she was able to escape, police said.In addition to contacting police, the woman was also able to get in contact with a victim advocate in Arizona. Officers contacted the advocate to get a better understanding of the situation because the woman’s English was very limited, according to police.While talking with the advocate, officers learned that the woman was in fear for her life and said that she didn’t want to go back to the family that held her captive and that she fears going back to Gambia because she believes she will be killed, police said.When officers investigated the apartment the woman said she was being held in, they found that it was vacant, but the smell of hookah was prominent in the empty space, according to police.While with the officers, the woman began receiving multiple calls from a phone number she said belonged to the family that held her captive. When asked, she was only able to provide police with a description of the elderly woman she said she was purchased to care for, police said.The woman was transported to a local organization where she is being given shelter and resources, according to police.The incident remains under investigation.This story was originally published by 2276

You’ve heard the presidential candidates fight it out. We’ll probably keep hearing from them for quite a while, no matter what the result is.But if you kept voting down your ballot, you probably voted for representatives to your state government. And this year, some people thought more than a handful of statehouses could flip from one party to another.Across the country, Democrats had the chance to flip 10 statehouses on election night, but six of the 10 remained under GOP control, while four are still counting results and remain too close to call.“There are still states that are counting so I don’t think we’re going to know the final numbers, but from what I’ve seen so far, it doesn’t seem like Democrats are kind of getting the statehouse wins that they were hoping for. My best guess at this point is Republicans will control the majority of statehouses once all the vote are counted,” said Sarah Chattfield, a political science professor at the University of Denver.She’s been watching the statehouse races.Statehouses have a ton of impact on state laws, budgets for important programs and schools, and they draw the lines for election districts every 10 years.“This year, we all just finished out the census and as a result of that, states are going to be redrawing their legislative districts. Some states do that with an independent commission, but the most common way is the state legislature redraws those districts,” said Chattfield.Every 10 years in the US, we redraw our legislative districts based on population. In many states, it becomes political.“If your party is in control of the state legislature, you can then draw districts to benefit your party,”So, the stakes were extra high this year. But in addition to redistricting, states control the state laws that impact the people in their states from speeding tickets to abortion to school funding to election laws, which we are seeing have a very real impact on the presidential race.“A huge amount of variation across the states in whether you’re in an all-mail state, or states where there’s very little absentee balloting and people have to show up. All of those are things that states are able to control,” said Chattfield.The impacts from the 2020 election across statehouses will shape the futures of many Americans for about a decade to come. 2335

Zivile Roditis has spent the last week anxiously watching the Kilauea volcano, belching and churning molten lava into her neighborhood in Leilani Estates.Now experts fear Hawaii's Kilauea volcano is at risk of explosive eruptions that could emit "ballistic projectiles," the USGS says.And concerns emerged that the lava could get near the Puna Geothermal Plant, where flammable liquids are stored, CNN affiliate Hawaii News Now reported. 446

Political Analyst John Dadian said this trip isn't just for the President, "we assume that he's going to run for President in 2024 so all of these contacts he's making throughout the country, even here in California are going to help him in his personal future."On Friday, Pence plans to visit the Donna 306