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Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

For the first time, a bill to legalize marijuana at the federal level will soon go to the floor of the U.S. House for a vote.“The MORE Act would actually erase past convictions for marijuana offenses, opening the door to opportunities to jobs, housing, education, things that could help people, but it would also make it so people will no longer be denied federal benefits because of marijuana activity,” said Maritza Perez, Director of the Drug Policy Alliance.Some CEOs of companies in the industry say the bill has a long road ahead but are optimistic marijuana will become legal at some point.“I think that it creates that dialogue where we can have sensible legislation and policy when it comes to cannabis and THC products,” said Joe Dowling, CEO of CV Services.“It’s actually one of the few things that when I’m talking to people on both sides of the aisle, that they actually agree, that it’s something that can move us forward in one direction in creating jobs and stimulating the economy,” said Michael Cammarata, CEO of Neptune Wellness Solutions.Studies show more people support the legalization of marijuana. A 2019 Gallup poll showed majority-support across major political parties for legalizing marijuana. It showed 51% of Republicans, 68% of independents, and 76% of Democrats are in favor of it.A vote on the MORE Act is expected to happen next week. If it passes the Democratic-controlled House, it faces a challenge in the Republican-controlled Senate. 1480

For many restaurants, like Sam's No. 3 in downtown Denver, the experience is part of what they serve.“We were built to serve people inside,” said Sam Armatas, owner of the restaurant. But with ever-changing COVID-19-related dining restrictions and winter looming, delivery is becoming a more enticing option for customers. And for Sam’s No. 3, delivery apps make that easy.“We’re able to continue to serve our product, try and stay relevant as far as people eating our food,” Armatas said. The diner has three locations. At two of them. 90% of orders are now made through delivery apps. This can be convenient for customers, but costly for some of the restaurants. Exposure to consumers has it's price.“There are negatives. I mean they take a commission but those commissions are now capped,” Armatas said. “You're pretty much at the mercy right now of the delivery services hoping to get your food out hot, tasty and attractive still.”He chooses to stick with the apps to get his food out there to people, while for other restaurants, the cons of delivery apps outweigh the pros.“At the moment, we will not use any third-party services at all for delivery,” said Giles Flanagin, Co-founder of Blue Pan Pizza.Blue Pan relies on their team of 17 part-time in-house delivery drivers, instead.“In-house delivery can work cost-wise, if the restaurateur is willing to put in the time and the effort to build that specific revenue stream,” he said. “If I use Doordash, Grubhub, or Postmates and I pay a 25% commission, not only am I losing all of my profit, but I’m in the red.”Flanagin said Blue Pan has been using their own delivery since they opened in 2016. They tried a delivery app to serve areas farther away, but too many bad experiences led them to cancel.“When a customer gets a pizza from a third-party delivery and it’s a poorly delivered experience, they don't look at Grubhub or those businesses. They call us and they're upset,” he said. For him, the reputation of his business and their food is important.“I think the best way I can summarize making a decision to use a third-party delivery service is buyer beware. This is our experience and I’m not saying it's everyone's experience,” Flanagin said.It’s a balancing act for these apps like Uber Eats and Grubhub. They have a business to run, but they also have to consider the restaurant and the driver.“Restaurants are just trying to find any possible ways to break even or minimize their costs,” said Alexandre Padilla, an economist and professor at the Metropolitan State University of Denver. “It’s a very complicated issue where the apps are providing a service where they are trying to attract drivers to meet the increase in demand due to the pandemic.”As potential customers opted to stay home in March when lockdowns began, the demand for drivers went up.Gig economy workers like Julian Rai almost completely switched from rideshare apps to delivery apps backs in March.“Remember that we are basically waiters on wheels, we’re servers on wheels,” he said. “If it weren't for tips, we’re making less than minimum wage just from the delivery fee. Like a waiter, it’s very similar to what a server would make before tips. So at the end of the day, well over two thirds to three fifths of my income comes from tips.”Rai explained they may spend 20 to 40 minutes on one single order so, reasonably, they ask for some compensation for that.It’s a tough balancing act between restaurant, app, and driver.“I don’t know that that balance has been struck yet,” Rai said.For now, delivery is a means to an end for these restaurants that thrive on providing quality food and a great dine-in customer experience.“Our business model isn't built to survive this way,” Armatas said. “We’re just trying to stay relevant, trying to survive. If we can get through winter great. That’s the hope, the dream, is that by March we’re still here.” 3901

Florida's largest airports closed down over the weekend as Hurricane Irma slammed into the state. Now that the storm has passed, the airports are assessing damage and updating travelers on their plans to restart operations.Here's a rundown on when Florida's airports plan to resume commercial flights and when airlines intend to restart flights.Miami International AirportFlorida's largest airport said limited operations will resume at 7 a.m. on Tuesday, September 12. 477

FORT MYERS, Fla. -- A Lee County deputy is starting an incredible journey.  He will run nearly 400 miles from Lee County to Tallahassee in honor of fallen officers.Sgt. Sammy Gonzalez said this will be a grueling and difficult run, but it’s not impossible.  He has been with the sheriff’s office for 10 years now and said he's doing this run to help families of fallen officers."I've been running nonstop, it's almost a year for preparation for this," he said.Thursday morning, Gonzalez begins his 390-mile journey from Fort Myers to Tallahassee in the next 8-9 days.“It’s going to be an emotional finish. I can't even explain what it's going to be like when I arrive at the state capitol."Back in 2005, Sgt Gonzalez had a good friend killed in the line of duty.  "I tell people I can't bring back these fallen officers back, but what I'm doing is I'm raising money and awareness for those families who are left behind," he said. So far, he's raised ,000 for the charity Concerns of Police Survivors, and he hopes to raise ,000 more by the time he gets to the state capitol."Last year, 135 officers died in the United States," he said. "That's 135 too many."The first day, Gonzalez will run about 40 miles. He said they've planned it out every step of the way.  "I'm staying in an RV, actually," he said. "I have a 3-person team from the sheriff’s office that will be with me the entire trip."My only concern is the heat," he said. I've ran in hot conditions in the past, and it can play tricks on the mind."He will get to Tallahassee just in time for the state's annual memorial that honors and celebrates lives lost in the line of duty.Sgt. Gonzalez will present a check with the money he’s raised at the memorial on April 30th.Updates on his run will be posted of the 2018 Florida Run For The Fallen Facebook page.Donations can be made HERE. 1918