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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

Former Vice President Joe Biden regrets saying that if he were in high school, he would fight President Donald Trump over the way Trump has talked about women."I shouldn't have said what I said," Biden told the hosts of the "Pod Save America" podcast in an interview."I don't want to get down in the mosh pit with this guy," Biden said, referring to the President.Earlier this month, Biden said that he would "beat the hell out of" Trump if the two were in high school, citing comments Trump made in an?"Access Hollywood" video unearthed by The Washington Post in October 2016. In the video, Trump talks about grabbing women's genitals and says that "you can do anything" when you're "a star."In the wake of Biden's "beat the hell out of him" comments, Trump punched back on Twitter, calling Biden "weak, both mentally and physically," and saying that "he would go down fast and hard, crying all the way."Biden emphasized in the "Pod Save America" interview that he was referring to how he would have acted if he were in high school, not how he would act toward the President today."Now, the idea that I would actually physically get in a contest with a President of the United States or anybody else now is not what I said," Biden told the podcast. "It is not what this was about, but I should have just left it alone."The former vice president added: "What I did say back when he was running, when he made these comments about being able to grab women in their private places and so on and so forth -- I was asked during the campaign whether or not, do I regret not being able to debate Trump. And I said, you know if we were in high school -- and I did this again, I said if we were in high school -- and he said that in the presence of my sister, I would take him behind the gym," Biden said. 1834

Former "Two and a Half Men" co-star Conchata Ferrell has died. She was 77.Ferrell, who was best known for her role as housekeeper Berta to Charlie Sheen's character on the sitcom, passed away Monday after complications following a cardiac arrest, Deadline reports.According to People, Ferrell had suffered a heart attack in July.Sheen tweeted out his condolences after hearing of her passing. 400

Former President George H.W. Bush has been discharged from the hospital in Houston he was admitted to last month, according to his spokesman, Jim McGrath."His doctors report he is doing well and is happy to return home," McGrath tweeted Friday.Bush had been admitted for an infection following the death of his wife, former first lady Barbara Bush.The-CNN-Wire 368

For pets, the skies of United Airlines lately have not been so friendly.It's not just the French bulldog that died on a Houston-to-New York flight Monday after a United flight attendant told its owners to put the dog in an overhead bin.Data from the US Department of Transportation show that three times as many animals died on United flights last year than on all the other US carriers put together. As you can see from this chart, 2017 wasn't an exception.United has had the highest rate of pet deaths of any US airline for the past three years.In fairness, the airline in recent years has also been the largest transporter of animals -- mostly dogs and cats, but also more exotic pets such as birds and geckos. Also, according to the DOT report for 2017, several of the animals had pre-existing health issues such as heart disease. (The report did not specify how many animals were flown in the cargo hold as opposed to the plane's cabin.)But even when accounting for their larger volume of animal passengers, United still leads all other airlines in rate of deaths per 10,000 pets.United did not respond to multiple requests for comment for this story. But spokesman Charlie Hobart told CNN on Tuesday that the airline is investigating the French bulldog's death "to prevent this from ever happening again."As for the 2017 report, he said, "The overwhelming majority of the incidents were attributed to animals not being acclimated to its crate or the animal having a pre-existing condition we weren't aware of. Any time there is an incident with animals we do a thorough review." 1612

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