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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

COLUMBUS, Ohio — Ohio House Speaker Larry Householder and four of his associates have been arrested on charges in relation to “what is likely the largest bribery, money laundering scheme ever perpetrated against the people of the state of Ohio," one that allegedly involved at least million passed through a 501c4 organization controlled by Householder and other entities for the purpose of passing HB6 in 2019, a law that provided a .5 billion taxpayer bailout to FirstEnergy.U.S. Attorney for the Southern District of Ohio David DeVillers spoke with reporters about the 81-page indictment of Householder and his associates on Tuesday afternoon.-DeVillers alleges that in exchange for million in dark money funneled through a 501c4 named Generation Now, Householder and his co-conspirators furthered the affairs of the enterprise.-Devillers said the scheme was bribery, “pure and simple,” a “quid pro quo” and “pay for play,” citing the enterprise’s own words.-Company A, which was not identified during the news conference due to the regulations and rules at the U.S. Attorney’s office, provided million in exchange for a .5 billion bailout.-Householder created Generation Now, a non-profit entity that, unlike PACs and SuperPACs, does not have to disclose its donors.-501c4 organizations are supposed to be operated to promote social welfare. They cannot benefit a shareholder or individual, or engage in direct political activity, which it did in this case, Devillers said. “Not a dime went to any social program,” he said.-Householder’s co-defendants are political advisers and lobbyists who worked in different capacities in the enterprise, DeVillers said.-The enterprise began with millions of dollars filtered through Generation Now and other entities to support candidates who would vote to elect Householder as Speaker and attack political rivals who would not. “It was very successful,” DeVillers said.-Of all the individuals who were funded through Generation Now and the other filter entities, all voted to elect Householder as speaker.-Once he was elected speaker, and had his so-called “power base” of representatives, millions more were funneled from Company A to Generation Now and other entities to get HB6 passed, a bill that subsidizes First Energy’s nuclear and coal power plants with .5 billion of Ohio taxpayer dollars.-Commercials, mailers, flyers, which ultimately came from Company A, were used to support HB6’s passage.-After the bill passed but before it was signed into law, a ballot initiative was started to attempt to reverse the bill.-At that point, tens of millions more went from Company A to Generation Now and its filters to defeat the ballot initiative, which was ultimately successful, DeVillers said.-Throughout this process, Householder and his associates were “able to line their pockets” with the dark money passed through Generation Now.-DeVillers alleges millions went to the personal benefit of Householder and his associates, including 0,000 to pay off a lawsuit against Householder, and another 0,000 toward a house in Florida.-The case came from an unnamed whistleblower, officials said.-The FBI confirmed that agents were carrying out "law enforcement activity" at Householder's farm property in Glenford in southestern Ohio Tuesday morning, along with the Perry County Sheriff's Office.After the U.S. Attorney's news conference, Gov. DeWine issued this statement calling for the speaker to resign:"I am deeply concerned about the allegations of wrongdoing in the issued today by the U.S. Attorney’s Office. Every American has the presumption of innocence until proven guilty. Because of the nature of these charges, it will be impossible for Speaker Householder to effectively lead the Ohio House of Representatives; therefore, I am calling on Speaker Householder to resign immediately.“This is a sad day for Ohio.”Lt. Gov. Jon Husted also issued a statement calling for the speaker's resignation:"As a former House Speaker, it makes me incredibly sad. With the announcement of today’s criminal complaints, the Speaker can no longer effectively perform his duties and should resign. Ohio is in the midst of a pandemic response and economic downturn, and the institution of the House of Representatives must remain operational, and the integrity of the office and the institution must be restored.”Read the complete 81-page criminal complaint filed Tuesday against Householder and his associates here.This article was written by Ian Cross for WEWS. 4530

Crammed inside her studio apartment in New York City, Janet Mendez is doing her best to stay healthy after contracting COVID-19 back in March. Recovering from the virus has been difficult, a pain only compounded by the massive medical bills that are now piling up.It was March 25 of this year, when the 33-year-old woman was first admitted to St. Luke’s Hospital in Manhattan. Unable to breathe, she was placed onto a ventilator by doctors. Her body was only getting 70 percent of the oxygen being pumped into her lungs.“The first couple of days I didn’t know who I was. It was scary because you see all of these people, ambulances coming in and out, people laying in beds,” she recalled. “I was so early on pretty much everything was being tested on me.”Mendez spent nearly three weeks in the hospital’s ICU. She was eventually discharged and sent home, but months later, she still has a hard time walking and even breathing. The pain continues to be so bad that the office administrator for a local Dominoes is only able to work one day a week.“The COVID affected my liver and my lungs,” she said. “They don’t know if I could catch it again, and now my immune system is worse than before, so now, I have to be extra careful.”Now, Mendez is dealing with another side effect from the virus: the bills.“There was this initial shock of seeing the bill,” she said.Just days after being sent home from the hospital, Mendez started receiving bills for her 19-day stay in the hospital. Congress has mandated that COVID related procedures be covered under the CARES Act, but many patients are discovering there are loopholes in legislation and they’re the ones responsible for paying.Initially, Mendez’s medical expenses totaled more than 0,000, and she has insurance.“How are you telling me I owe this much if Congress and all these people are saying you’re covered? How am I going to pay for this? How is this going to set me back on my other bills,” she wondered.After her story started gaining attention in the media, the hospital froze Mendez’s account. Currently, she believes she’s only responsible for about ,000 in expenses. But it’s an astronomical amount Mendez says she can’t afford.“How is this system helping? How are you helping people in a pandemic survive this?” 2286

CINCINNATI — A Mason, Ohio woman said a "hero" tended to another woman who was suffering from seizures during a flight from Houston to Cincinnati on Sunday, and she wants to know why the pilot didn't land so the woman could get medical attention.Amy Hammond said a woman, who appeared to have a young boy with her, two rows in front of her began seizing as the plan was ascending out of Houston, about a minute or two after takeoff on United flight 3466. A man sitting nearby said he worked for a fire department and began to help her, despite being initially scolded for being in the aisle during the ascent, Hammond said. He asked if there was a doctor and then tended to the woman himself through seizures and periods of unresponsiveness. The good Samaritan helped the woman for more than two hours, according to Hammond."He 100 percent kept the plane calm," she said. "He kept us calm because he was so in control."The woman seized "dozens of times" during the flight, but the man would keep her breathing and wake her up, according to Hammond. About 40 minutes in, another person also stood up to help. She said they went through nearly two cans of oxygen from onboard the plane."He just kept her talking, kept right in her face, just kept her going," Hammond said. "And then he knew he was losing her and all this stuff. But by the end, we'd have like 50 seconds of her being unresponsive."A video Hammond posted on Facebook showing the man helping the seizing woman had been shared hundreds of times Monday afternoon.WARNING: The video may be disturbing to some viewers. 1605

CLEVELAND — A book club geared towards senior citizens is helping older Ohioans feel less alone during the coronavirus pandemic.Meet Ann Kuula. Like so many seniors this year, the coronavirus pandemic has left Kuula isolated — separated from family and friends through necessity.Her birthday celebration consisted of her kids singing to her in her front yard.“My oldest son Matt made his first cake and wrote ‘Sweet 16’ because, at age 79, 7 and 9 is sixteen,” Kuula said.So when Kuula got the chance to take part in a pilot program book club for seniors, she couldn’t wait.“When I got the book, I couldn’t put it down,” she said. “Keeping our mind busy!”That could be crucial for older Americans amid the pandemic. According to a Washington Post report, doctors have reported increased falls, pulmonary infections, depression and sudden frailty in patients who had been stable for years.“Human connection is a huge piece of what keeps us healthy,” said Ann Smith, executive director of Books @ Work.Books @ Work isn't a typical book club.— they team up with professors who help facilitate the discussion, in this case, one from Kent State University. The idea came from the Literacy Cooperative, a Cleveland-based nonprofit.They got in touch with seniors who wanted to take part through the Cleveland Department of Aging.“But because most of the folks who participated in this program don’t have internet access, don’t have computers, we actually did this one by phone,” Smith said.Group leaders hooked up a specific phone line that the seniors could call in to — and then, they let them talk. Their first book? "The Only Woman in the Room" by Heather Terrell— a historical novel about a brilliant female scientist only remembered for her beauty despite her many contributions to modern society.“The fact that people were able to connect even over the phone, just as disembodied voices and yet they still opened up tremendously,” Smith said. “Some of them shared very personal experiences.”Even from miles away, through the most basic of technology, books can bring people together.“Meeting these people over the phone was so enriching,” Kuula said. “And that’s what older people need — socialization, reminiscing, and enrichment.”Right now, the program is looking for funding to support more rounds of participants since the books were sent to the seniors free of charge.This story was originally published by Homa Bash on WEWS in Cleveland. 2451