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P.s. I have made this post public in hopes you will share and get the BLUE BUCKET message out there for Autism Awareness this Halloween?????????????? 157

People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

PASADENA, Calif. (AP) — A divided U.S. appeals court has ruled that the Trump administration can end humanitarian protections that have allowed hundreds of thousands of people from El Salvador, Nicaragua, Haiti and Sudan to remain in the United States. The 9th U.S. Circuit Court of Appeals on Monday lifted a preliminary injunction that had blocked the government from ending Temporary Protected Status for people from those four countries. Since 1990, the policy has granted temporary legal status to people from countries affected by natural disasters and civil conflict. The legal status is often extended, but the Trump administration decided to end it for several countries. 688

Parents worried about a lack of social-emotional growth in their young children during social distancing and child care closures, consider playing with the family dog or taking the whole family on the dog's walk.A study published this week in Pediatric Research points to improvements in toddlers’ behavior interacting with others when they have some amount of time spent with the family dog.Information from more than 1,600 parents were included in the study, which asked how old their children were, if they had a dog, how often the child went on the family dog walks or actively played with the dog, as well as other questions. In addition, parents filled out a Strengths and Difficulties Questionnaire about their child’s development and behavior.Overall, researchers found that preschool aged children from dog-owning homes had reduced likelihood of conduct problems and increased likelihood of prosocial behavior compared to children without a dog. Positive results were seen with family dog walking at least once a week and active play between the family and dog at least three times or more a week.The study’s authors report part of their motivation for the study was the decreasing physical activity levels of young children. They reference studies on increased activity among adult dog owners, and wanted to look at whether there were increased levels in children with dogs in the home.Participants live in Australia, and gave their survey results between 2015 to 2018 as part of a larger early childhood education and care research project.The Strengths and Difficulties Questionnaire is a commonly used, 25-item document that measures the social and emotional well-being of children.If a family dog is not possible at this time, maybe consider offering to walk a neighbor’s pet; physical activity, interacting with an animal and the benefit of doing something nice for a neighbor. 1900

PARADISE, Calif. (AP) — Authorities called in a mobile DNA lab and anthropologists to help identify the dead as the search went on for victims of the most destructive wildfire in California history. The overall death toll from the outbreak of fires at both ends of the state stood at 25 Sunday and appeared likely to rise.All told, more than 8,000 firefighters battled three large wildfires burning across nearly 400 square miles (1,040 square kilometers) in Northern and Southern California, with out-of-state crews continuing to arrive and gusty, blowtorch winds forecast into Monday.The worst of the blazes was in Northern California, where flames reduced the town of Paradise, population 27,000, to a smoking ruin days ago and continued to rage in surrounding communities. The number of people killed in that fire alone, at least 23, made it the third-deadliest on record in the state.LIVE BLOG: Wildfires burning in CaliforniaButte County Sheriff Kory Honea said the county was bringing in more rescue workers and consulted anthropologists from California State University at Chico because in some cases "the only remains we are able to find are bones or bone fragments.""This weighs heavy on all of us," Honea said.Authorities were also bringing in a DNA lab and encouraged people with missing relatives to submit samples to aid in identifying the dead after the blaze destroyed more than 6,700 buildings, nearly all of them homes.The sheriff's department compiled a list of 110 people unaccounted for, but officials held out hope that many were safe but had no cellphones or some other way to contact loved ones.RELATED: Sheriff: 110 people missing in NorCal fireFirefighters gained modest ground overnight against the blaze, which grew slightly to 170 square miles (440 square kilometers) from the day before but was 25 percent contained, up from 20 percent, according to state fire agency, Cal Fire.But Cal Fire spokesman Bill Murphy warned that gusty winds predicted into Monday morning could spark "explosive fire behavior."Two people were also found dead in a wildfire in Southern California , where flames tore through Malibu mansions and homes in working-class Los Angeles suburbs. The severely burned bodies were discovered in a long residential driveway in Malibu, home to a multitude of Hollywood celebrities.Among those forced out of their homes were Lady Gaga, Kim Kardashian West, Guillermo del Toro and Martin Sheen.Flames also raged on both sides of Thousand Oaks, the Southern California city still in mourning over the massacre of 12 people in a shooting rampage at a country music bar Wednesday night.Fire officials said Sunday morning that the larger of the region's two fires, the one in and around Malibu, grew to 130 square miles (337 square kilometers) and was 10 percent contained. But firefighters braced for another round of Santa Ana winds, the powerful, dry gusts that blow out of the interior toward the coast.The count of lost structures in both Southern California fires climbed to nearly 180, authorities said.All told, a quarter-million people were under evacuation orders up and down the state.Gov. Jerry Brown said he is requesting a major-disaster declaration from President Donald Trump that would make victims eligible for crisis counseling, housing and unemployment help, and legal aid.Drought, warmer weather attributed to climate change and home construction deeper into forests have led to more destructive wildfire seasons in California that have been starting earlier and lasting longer.California emerged from a five-year drought last year but has had a very dry 2018. Much of the northern two-thirds of the state is abnormally dry.In Paradise, a town founded in the 1800s, residents who stayed behind to try to save their properties or who managed to return despite an evacuation order found incinerated cars and homes.Wearing masks because the air was still heavy with smoke, people sidestepped metal that had melted off of cars or Jet-Skis as they surveyed their ravaged neighborhoods. Some cried when they saw nothing was left.Jan McGregor, 81, got back to his small two-bedroom home in Paradise with the help of his firefighter grandson. He found his home leveled — a large metal safe and pipes from his septic system the only recognizable traces. The safe was punctured with bullet holes from guns inside that went off in the scorching heat.He lived in Paradise for nearly 80 years, moving there in 1939, when the town had just 3,000 people and was nicknamed Poverty Ridge."We knew Paradise was a prime target for forest fire over the years," he said. "We've had 'em come right up to the city limits — oh, yeah — but nothing like this."McGregor said he probably would not rebuild: "I have nothing here to go back to."___This story has been corrected to fix survivor's name to McGregor instead of MacGregor.___Associated Press writers Daisy Nguyen, Olga R. Rodriguez and Sudhin Thanawala in San Francisco contributed to this report. Darlene Superville contributed from Paris. 5055

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