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Firefighters battling the Holy Fire in Southern California took care of a dehydrated fawn Monday afternoon. Officials with the Cleveland National Forest tweeted that the firefighters stumbled upon the fawn and discovered she was heat exhausted and dehydrated. The men can be seen in a photo giving the fawn a much-needed drink of water before helping get her back on her feet.  410

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

Fleetwood Mac and Lindsey Buckingham are cutting ties.A representative for the band confirmed to CNN on Monday that Buckingham and the band have parted ways and that he will not be going on tour with them in the fall."Lindsey Buckingham will not be performing with the band on this tour," a statement read. "The band wishes Lindsey all the best."The representative would not provide any further details as to what led to his departure. A source close to the band told CNN that the split was "over musical differences regarding the tour." A representative for Buckingham referred questions to the band.Buckingham joined Fleetwood Mac in 1974, the same year as the band's longtime lead singer, Stevie Nicks. Buckingham, who has since served as the lead guitarist for the band, wrote some of the band's most well-known songs including "Go Your Own Way," which was the lead single off the band's highly successful 1977 album, Rumours.The vague statement regarding Buckingham's abrupt departure came at the same time the band announced that musicians Mike Campbell and Neil Finn would be joining the band on tour.Fleetwood Mac was originally founded in 1967 by Peter Green. The band was named after two of its band members, Mick Fleetwood and John McVie. Green left the band in 1969. Christine McVie joined the band in 1970.Over the years the band has experienced ups and downs. The band went on hiatus in 1982 and when they agreed to go back on tour in 1987, Buckingham backed out at the last minute. In 1998, Christine McVie left the band and rejoined in 2014.During a Grammy event in January, CNN spoke to Buckingham, who said said that the "dysfunction" is what made the band great."Everything that we wore on our sleeve, the discord and nature of the band, was the people breaking up, the dysfunction. Even if you look at, on paper the five people they don't look like they would belong in the same band together but it adds up to something bigger than the sum of the parts. Right below all of that dysfunction is a great, great deal of love."Buckingham also spoke to CNN about his widely publicized breakup with Nicks, which took place while the band was recording Rumours."There was a time when I was certainly waiting for her to come back and she never did," Buckingham said. "Then I moved on eventually, it took a long time." 2342

Florida and Arizona hold primaries on Tuesday, teeing up the House and Senate races that will be critical to the balance of power in Washington come November.Democrats must hold on to Sen. Bill Nelson's seat in Florida and win in Arizona's Senate race in order to have a shot a taking the majority in the Senate.In Arizona, a Republican Senate candidate's reaction to Sen. John McCain's ailing health caused a last-minute controversy. In Florida, the Senate contest is already set, but both parties will select their nominees for governor in what is expected to be a competitive race in November.Oklahoma is also holding a runoff election to determine who will be the Republican gubernatorial nominee. Democrats are eyeing this race as a potential flip this year. 771

Former first lady Michelle Obama discusses her dislike of President Donald Trump — as well as personal details of her life before and during her time in the White House — in her highly anticipated memoir, "Becoming," The Washington Post reported Thursday.Obama says she would "never forgive" Trump for the rumors he spread questioning the legitimacy of President Barack Obama's American birth certificate, which she said threatened her family's safety."The whole [birther] thing was crazy and mean-spirited, of course, its underlying bigotry and xenophobia hardly concealed. But it was also dangerous, deliberately meant to stir up the wingnuts and kooks," she writes, according to the Post, which obtained an early copy of the book. It will be released next Tuesday."What if someone with an unstable mind loaded a gun and drove to Washington? What if that person went looking for our girls?," she adds. "Donald Trump, with his loud and reckless innuendos, was putting my family's safety at risk. And for this I'd never forgive him." 1041

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