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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 DMV is trying to improve customer service by accepting credit cards, upgrading its website and offering clearer instructions on how to obtain a new federally mandated ID, but Gov. Gavin Newsom cautioned Tuesday the agency's long wait times and other troubles aren't over."This is going to take a few years. Next year will be tough," Newsom said, referencing an expected surge in people using the Department of Motor Vehicles next year to acquire new IDs that will be required for air travel.Newsom spoke as he released a report detailing efforts the DMV is making to improve services after wait times averaged two hours last summer, prompting outrage from lawmakers and customers. The state hired the high-powered firm McKinsey & Company to recommend improvements, with the funding coming out of roughly 0 million in new money the DMV got in this year's state budget.Newsom also announced he's appointed Steve Gordon as the agency's director. Gordon is a longtime employee of the private sector, working for Cisco Systems and most recently for zTransforms, a consulting company focused on business-wide process improvement. He is not registered in a political party and will make 6,000. The state Senate must approve his appointment.The DMV has been plagued by slow-downs related to the state's "motor voter" registration program and an uptick in people applying for REAL IDs, the new federal IDs that will be required for airplane travel starting in October 2020. More than 28 million Californians may seek a REAL ID.Beyond hiring McKinsey, the state has brought in a public relations firm to create a statewide awareness campaign about the new IDs and a consulting firm to think about what DMV offices should look like. The report did not say how much each is being paid.Other changes include the planned acceptance of credit cards, which will start at a Davis office in September before expanding to Fresno, Victorville and Roseville. The state hopes to eventually accept credit cards statewide. The DMV has also started launching REAL ID "pop ups" at businesses and plans to open 100 kiosks in August, where people can do routine transactions such as renewing vehicle registration without going to a customer service window.The goal, Newsom said, is to improve through small changes. "We're not going big at first — we want to go small and build on successes," he said.The department plans to hire between 1,800 and 1,900 new workers, most of them temporary, through next year. Newsom's announcement comes a day before the DMV plans to close offices statewide for half a day for a day of training for its more than 5,000 employees.Republican lawmakers were divided on the Democratic governor's actions. Republican Assemblyman Jim Patterson of Fresno faulted Newsom for "making excuses" for the DMV rather than re-imagining it and criticized him for saying wait times could be long again next summer. But GOP Sen. Pat Bates from Laguna Niguel said Newsom was taking "steps in the right direction to help fix the DMV."The report did not address problems with the state's "motor voter" registration programming, and Newsom said an audit on the program will be coming out soon. 3234

RTW Retailwinds, the parent company of retail chain New York & Co., announced Monday that is filing for Chapter 11 bankruptcy — the latest blow to an industry whose struggles were taken to new heights by the coronavirus pandemic.The company said in a press release Monday that filed for bankruptcy relief in New Jersey. In the statement, the company hinted that all of its more than 400 brick-and-mortar stores could close for good.In recent months, sales have fallen at New York & Co. as the pandemic forced shutdowns at non-essential retail stores across the country. In addition, massive layoffs and a large increase in employees working from home shrunk demand for professional attire. Other purveyors of businesswear have also fallen on hard times — Brooks Brothers filed for bankruptcy last week.CNN reports that New York & Co. furloughed a "significant portion" of store employees in March and that last week, the company was delisted from the New York Stock Exchange.New York and Co. joins an exponentially growing list of retailers who have filed for bankruptcy in recent weeks, including Sur La Table, JC Penney, Pier 1 Imports J. Crew and Niemen Marcus. 1184

ROCHESTER, N.Y. -- The Chief of the Rochester Police Department has announced he is retiring after consecutive nights of protests and amid an investigation into the death of Daniel Prude, who died after being restrained by police in March."As a man of integrity, I will not sit idly by while outside entities attempt to destroy my character," Chief La'Ron D. Singletary wrote in a statement obtained by WXXI and WHAM. "The mischaracterization and the politicization of the actions that I took after being informed of Mr. Prude's death is not based on facts, and is not what I stand for."Deputy Chief Joseph Morabito also announced his retirement and said serving with the department was his "extreme honor."The city's mayor, Lovely Warren, said in a city council briefing that there could possibly be other senior commanders retiring from the department, The Associated Press reports.Rochester has been in the national spotlight after police body camera video was released last week, which shows police putting a spit mask over Daniel Prude's face, and holding him down in an effort to subdue him. Prude died of asphyxiation.Since the video's release, seven police officers have been suspended and the New York Attorney General's Office has begun an investigation into Prude's death. On Saturday, Attorney General Letitia James announced she will empanel a grand jury as part of her probe.Many citizens have been calling for the resignation of both Singletary and Rochester's Mayor, Lovely Warren, within 24 hours following the video of Prude's death becoming public.Warren has said that she was originally told Prude died from an apparent overdose, and that it wasn't until August 4 that she saw the footage of Prude being detained.Warren has since publicly pledged overhauls of police practices.For several consecutive nights, protests have erupted through Rochester. Last Friday, upwards of 2,000 people marched through the streets. As police tried to disperse the crowds, some protesters threw rocks, bottles, and even "commercial grade fireworks," according to WHAM.This story was originally published by staff at WKBW. 2132

Russia has condemned US, UK and French strikes against targets in Syria over the alleged use of chemical weapons, as the Western allies argued they were essential to deter the future use of illegal munitions.The strikes hit three sites -- one in Damascus and two in Homs -- which US President Donald Trump said were "associated with the chemical weapon capabilities of Syrian dictator Bashar al-Assad."The action followed a week of threats of retaliation for an alleged chemical weapons attack on civilians in Douma, outside Damascus, where Syrian forces have long been battling rebels. 594

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