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Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567

Tenants and landlords around the country have been on a roller coaster ride with the eviction moratorium ordered by the Center for Disease Control and Prevention, in September. The mandate protecting tenants was put in place last month by the CDC after President Donald Trump signed an executive order. However, within days, landlords pushed back, filing several lawsuits against the CDC. As the lawsuits are being fought, the CDC is quietly rolling back its initial eviction protection through new guidance it put out last week.“The changes created new burdens for renters to have to meet and created some holes in the protection that those renters need,”said Dian Yentel.Yentel is with the National Low-Income Housing Coalition. NLIHC is an organization concerned about the new burden renters now face to prove their financial distress, but also over this new bit of information released in the CDC latest guidance. That new bit clarifies, for landlords, that they can proceed with filing evictions.“Landlords can file evictions and courts can essentially take every step in the eviction process up to actually removing somebody from their home,” added Yentel.”That has a significant impact and ultimately will mean more low-income people leaving their homes before the moratorium even expires.”Yentel explained many tenants do not want to go through an eviction process and tend to move out before the court-ordered eviction date under pressure. Some will move in with friends or family, potentially crowding homes and putting even more people at greater risk for catching COVID-19.The National Apartment Association, which attached itself to the lawsuits against the CDC, cautions the new guidelines aren’t as big of a victory as they may seem for landlords. They do not put landlords much closer to recovering back rent, what a report by Stout Risius Ross estimates to be - billion.“I think the guideline put out by the CDC provide a path forward, I still maintain that the guidelines are a half step to a solution,” said Bob Pennigar, who heads the NAA.A full step, he said, would be a solution that helps landlords and tenants. Interestingly enough, advocates on both sides have found some common ground there. Both have called for stimulus money allocated for rent.“We still need to have a stimulus act that will provide direct rental assistance,” said Pinnegar.“At least 100 billion dollars in emergency rental assistance,” added Yentel.However, Congress has the last say in what will be included in a stimulus package and whether there will even be another one. Both the House and Senate have been unable to agree on a new stimulus measure for months, and it’s becoming less clear if or when they will. It is however, more likely that a court will rule on whether to uphold the eviction moratorium or not, before then. 2842

Stark similarities between a San Francisco brewery's beer can and the iconic soft drink cups used at In-N-Out prompted the burger chain to issue a cease and desist letter, though not without some light-hearted humor.Seven Stills Brewing recently crafted a new Neapolitan-style beer called "In-N-Stout," wrapped in a design resembling the much-loved burger chain's cup featuring palm trees and its signature yellow arrow.The resemblance is uncanny. So much so that it forced the burger chain to respond with a letter, politely asking the brewery to ditch the can.The brewery posted the pun-laden letter on Instagram, with the caption, "We count 9. Can you find them all?""Based on your use of our marks, we felt obligated to hop to action in order to prevent further issues from brewing," In-N-Out wrote. "We hope you appreciate, however, that we are attempting to clearly distill our rights by crafting an amicable approach with you, rather than barrel through this."We look forward to resolving this in good spirits," the letter ends.It's not the first time the brewery has taken inspiration from a popular brand. Seven Stills also brews a beer called "Rod and Reel," with a can featuring little fish resemble a "Swedish Fish" gummy candy wrapper.It's also not the first time in recent months In-N-Out has been forced to take action for its brand. The chain brought a lawsuit against Australian restaurant "Down N' Out" in April, claiming the restaurant misleads customers by passing off its product as similar to In-N-Out. 1552

TEMPE, AZ — A train has caught fire after a derailment on a railroad bridge over Tempe Town Lake.The incident occurred around 6 a.m. local time on the south side of the lake near Mill Avenue.A spokesperson with Tempe Fire Department says the incident involves a Union Pacific train that derailed and caused a partial bridge collapse over Tempe Town Lake.About 90 firefighters from multiple departments are at the scene of the second-alarm hazardous materials response.A Union Pacific spokesperson says eight to 10 rail cars caught fire and three tank cars fell onto an empty park area below.The spokesperson says two tank cars contained cyclohexanone and one contained a rubber material. None are believed to be leaking and no tank cars were involved in the fire.One person was reportedly treated for smoke inhalation, but the train crew is not injured. No other injuries have been reported.The Phoenix region's Valley Metro says light rail trains are not crossing Tempe Town Lake at this time due to the fire. Valley Metro's train service is being rerouted at Mill Ave/3rd St and Center Parkway/Wash St.Tempe Police say some streets in the area are also restricted and freeway traffic on the nearby Loop 202 may be impacted due to smoke.It's unknown what caused the derailment.This story was originally published by Ashley Loose on KNXV in Phoenix. 1357

The Airport Authority is investigating an ‘unusual substance’ found in some soap dispensers at the Detroit Metropolitan Airport.DTW and the Airport Authority released this brief statement: “Our Public Safety Department is investigating an unusual substance found in a few of our soap dispensers during the last week. The Airport Authority takes incidents involving health and safety very seriously. We are in the process of installing new, tamper-proof soap dispensers and are more frequently monitoring our restrooms.”An airport worker says she thinks the Airport Authority should be more up front as to what the substance is."They should say exactly what it is, they should let us know, we need to know it's important,” said Theresa Sleiman.   763