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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

Structural Collapse | #Pasadena | 8300 blk Dunn Road | large tree fell on a detached garage occupied by 20+ people | 6 trapped on arrival | all extricated within 45 minutes pic.twitter.com/jZQgqtcl4O— Anne Arundel County Fire Department (@AACoFD) July 5, 2020 267

The 2017 World Series is one for the ages and it seems as though every game was decided by the smallest of margins – that's why one gambler's undefeated record is amazing.The mystery gambler was discovered by Pregame.com's R.J. Bell and Bell has been following his earnings from the start.After Game 5 of the World Series, attention picked up around the large amounts of money the gambler was laying down at sports books. 429

Tasmanian Devils are taking the next step in a “rewilding” project that could someday bring the species back to the Australian mainland for the first time in about 3,000 years.Actor Chris Hemsworth and his wife helped release 11 into a predator-free sanctuary north of Sydney alongside conservationists. This makes nearly 30 animals in this protected space this year.Hemsworth is from Australia. Scientists will now use tracking devices and cameras to monitor how the animals do and whether they can be released into a wild environment eventually.The project is being called #DevilComeback.Tasmanian Devils were once found in Australia, but are now only found in the wild on the island of Tasmania.According to the preservation group Aussie Ark, the animals went extinct in Australia about 3,000 years ago due to being hunted by the Dingo. There are no Dingos in Tasmania, and the Tasmanian Devil is the island’s top predator.However, in 1996, scientists detected an infectious cancer affecting the Tasmanian Devil population. Roughly 90 percent of the population has died as the disease spread rapidly, according to Aussie Ark.Since then, Aussie Ark has created a breeding center for the animals. The 30 animals being released in the latest project came from this center.Tasmanian Devils prefer open forests and woodlands, and are more scavengers than hunters. They have a short life span, 5-to-6 years in the wild and about 8 years in captivity. 1455

gest campaign around International Women's Day, called We See Equal, in 2017 and continued to build on it this year.Allison Tummon Kamphuis, who leads P&G's gender equality program, explained that the company's first big push came after it named gender equality as one of its initiatives in 2016.In previous years, P&G observed International Women's Day internally, with lectures and events for staff. Now, the company hosts several public-facing events, including a discussion with Katie Couric and an interactive exhibit called "Women at Work: Myth vs Reality."Firat pointed to P&G as a company that has genuinely committed to promoting gender equality.While some brands have given International Women's Day a lot of thought, others are still trying to figure out a way in. Firat said that some companies hope a campaign featuring women's empowerment will help them reach Millennials, who tend to value brands that embrace social causes.Calkins suggested that some companies may also be chasing the success of others."Marketers watch what other marketers are doing," he said."When companies see high-profile campaigns that get some traction ... they are very quick to jump on the bandwagon."Though there are advantages to joining a conversation about gender, there are also risks. "If you're going to be out there celebrating your commitment to gender equality, then it does invite some scrutiny," Calkins said.One example, he said, is the "Fearless Girl" statue.The sculpture was conceived by the powerful financial group State Street and advertising firm McCann as a way to spread awareness of State Street's efforts to increase gender diversity on corporate boards.The campaign was an overwhelming success People fell in love with the statue of the defiant girl staring down the "Charging Bull" in New York City, and she quickly became a symbol of resistance and empowerment.But the sculpture's prominence put State Street in the spotlight when it agreed to pay million to settle allegations that it underpaid female and black employees. The firm denied any wrongdoing.And McDonald's, which has faced protests by employees seeking higher wages, is already being criticized for honoring the day with what some see as an empty gesture.  3975

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