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RICHMOND, Va. — Despite a recent extension of student loan relief, experts suggest borrowers should begin preparing now for repayments to begin."The best thing you can do right now is to set a plan forward for your repayment," said Andrew Pentis, who works with LendingTree. "It's possible that this moratorium could be extended by the Biden administration or the newly-elected Congress. But Biden takes office on Jan. 20 and the current moratorium is expected to end right now at Jan. 31. So that only leaves you know less than two weeks for a decision to be made on whether the moratorium will be extended."Pentis said that since March, millions of student loan borrowers have been given an administrative forbearance, which suspended payments and interest and stopped collections on all defaulted student loans. He said borrowers with government-held federal student loans did not incur penalties during the moratorium."If you have an eligible federal student loan and you're seeing any of those negative impacts such as your credit score being affected your credit report showing and delinquent account, it's best to contact your federal loan servicers," Pentis said.For borrowers struggling to afford payments, Pentis suggested they enroll in an income-driven repayment plan to lower monthly payments. "You could also pause your payments via a deferment for unemployment or other economic hardship reasons," he said.He said hoping the government will simply wipe away the more than trillion in student loan debt is not a wise option."There are billions of dollars worth of private student loans and student loans that are no longer in the hands of the federal government," he said. "So even if both major political parties got together and decided this is what they wanted to do, it's unlikely that we would see more than a trillion dollars actually went away."While Pentis says it is best to plan to restart payments at the end of January, reports surfaced on Thursday that Congress is close to striking a deal on more COVID-19 stimulus that could include more student loan relief.This story was originally published by Shelby Brown on WTVR in Richmond, Virginia. 2181

SACRAMENTO, Calif. (AP) — California's leaders are getting a raise.A state commission voted Friday to increase Governor Gavin Newsom's salary from 2,000 to around 0,000 in December.The Citizens Compensation Commission also agreed to give a 4% raise to legislators and other state elected officials, such as the lieutenant governor and treasurer.Chairman Tom Dalzell cited the health of the state's economy and California's budget surplus for the move."California remains high," he said of pay for state officials. "So is our cost of living."Newsom will not be the highest-paid governor, however. While America's most populous state currently has the highest-earning chief executive, the New York Legislature voted this year to pay Gov. Andrew Cuomo a salary of 5,000 in 2020 and 0,000 in 2021.But the governor will still earn far more than California's median income, which is around ,000, according to the U.S. Census Bureau.This will mark the seventh year in a row California's governor has gotten a raise and Newsom's pay will near a previous peak for the job of around 2,000.Rank-and-file members of the 120-seat Legislature earn around 0,000, still below a past peak of around 6,000. The lieutenant governor is paid around 1,000, the attorney general around 5,000 and the controller and treasurer around 1,000.Created in 1990 following a statewide vote, the commission is appointed by the governor and usually meets once a year to set the salaries as well as benefits for California's elected officers. The Legislature was previously responsible for setting the salaries of state elected officials. 1644

SACRAMENTO, Calif. (AP) — A man charged with killing a rookie California police officer made his first brief court appearance Monday wearing a four-inch gauze pad covering what officials said was a self-inflicted injury.Adel Sambrano Ramos was appointed a public defender during a five-minute court hearing, and spoke only to acknowledge his name.Ramos, 45, faces a murder charge that could bring him the death penalty in Wednesday's slaying of 26-year-old Sacramento Officer Tara O'Sullivan. He's also charged with attempting to murder her training officer and with possessing two illegal assault-style rifles.He did not enter a plea.Assistant Chief Deputy District Attorney Rod Norgaard defended police from criticism that they took 45 minutes to rescue O'Sullivan with an armored vehicle because they were pinned down by rifle fire that could penetrate standard bulletproof vests."There was nothing that could have been done to save her life," he said after the hearing. "The nature of that injury is such that it could happen in an emergency room and she would not be save-able. So I find it very disheartening that people are criticizing the police response time to evacuate her. That has no merit whatsoever."He also took exception to questions of whether O'Sullivan was properly trained."Nothing in the training or lack thereof is the cause of this," he said. "There is an individual responsible for this, not law enforcement."Assistant Public Defender Diane Howard declined comment, as did Police Chief Daniel Hahn, who sat quietly in the back of the courtroom. Hahn was one of at least a dozen uniformed police officers and deputies watching as the hearing unfolded.Ramos was shackled at the hands, waist and ankles and surrounded by three deputies in the courtroom's holding cage. Two more stood just outside the cage.He was wearing a standard orange jail uniform during the hearing, though officials said that has been taken away from him at the jail after he tried to harm himself Sunday morning.Ramos suffered "some self-inflicted head wounds. He had smashed his head against a bed frame in his cell," Sacramento County Sheriff's Sgt. Tess Deterding said before the hearing.Jail employees immediately stopped him from further injury and took him to an outside hospital, she said. He was returned to the jail 12 hours later.He's now in a psychiatric wing of the jail "where we've taken even further precautions to make sure he doesn't hurt himself like that," Deterding said.He is under constant watch in what is called a safety cell, which has no bunk or other furnishings."Obviously we can't take away the walls and floor," she said, but "there's nothing inside the room. It's just basically four walls."He is provided a thin mattress and what is known as a suicide smock instead of regular jail garb: "It's tear-resistant, things like that, they can't turn it into a noose," she said. There are mental health employees in that unit in the event they are needed or requested by Ramos.Ramos also has had no contact with other inmates since he arrived.Memorial services for a O'Sullivan are set for Thursday at the Bayside Church's Adventure Campus in Roseville, California. She was fatally shot during a domestic violence call as she and other officers helped an unidentified woman pack her belongings from the garage of a North Sacramento home, authorities said.Authorities said Ramos was heavily armed with assault rifles, a shotgun and a handgun and fired dozens of times at officers during an hours-long standoff before surrendering. 3558

Ron Bielanski is passionate about working with his hands. But COVID-19 threw a wrench at how he made his living as a construction worker.“My boss, at the time I just got hired, told me I can’t make you come here,” Ron Bielanski recalled. “It’s voluntary at this point.”After leaving his job in construction, Bielanski worked as a handyman. But soon, the opportunities dwindled. Prior to the pandemic, he received three to four job offers a week. Now, maybe four calls a month.“That has gone away completely. There is no one calling me for estimates,” Bielanski said. “The only phone calls I am getting are people in emergency situations.”This jack of all trades says clients are reluctant to hire repair experts because of the current pandemic and social distancing guidelines.Experts recommend the following for those seeking handiwork:Household members and service providers should wear masksLimit interaction with repair workersDisinfect the area that may have been touched during a projectHousehold members with health issues should leave while the project is being completed 1087

SACRAMENTO, Calif. (AP) — The California Supreme Court ruled unanimously Monday that inmates convicted of nonviolent sex crimes cannot be denied a chance at early parole consideration under a ballot measure approved by nearly two-thirds of voters four years ago.Former Gov. Jerry Brown, who championed the 2014 initiative as a way to reduce prison populations and costs by speeding chances for parole, has repeatedly said he and other proponents never intended for it to cover sex offenders.But lower appeals courts ruled that the plain language of the initiative means they cannot be excluded from consideration as nonviolent offenders, and the high court agreed. 672