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CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

CORONADO, Calif. (KGTV) -- World War II veteran Tom Rice has a lot of war stories. “All that we did was new and experimental because we had experimental and brand new equipment that we weren’t supposed to tell anyone about,” said Rice.Rice grew up on Coronado. He joined the 101st Airborne Division as a paratrooper in 1941 after graduating high school.“I’d never been in a plane. I’d hardly ever seen any planes because I always lived right here.”After training in Georgia, Rice parachuted into Normandy on D-Day. “I’m in the door looking out straight and I could just see all the fireworks coming up. It was, it felt like a Fourth of July thing. When I stepped out, the prop blast hit me. So I’m hanging on the outside and the rest of the guys are going underneath me.”Rice landed safely even though a bullet struck his parachute. “I was black and blue for about three weeks.” He went on to win several Purple Hearts and France’s Legion of Honor.Despite being 97-years-old, Rice still parachutes out of an airplane every year on the anniversary of D-Day to pay tribute to his fellow paratroopers. “I’ll keep jumping until I’m 100.”In honor of his courage, Rice will be the Grand Marshal of Sunday’s Mother Goose Parade, the same parade he enjoyed with his children decades ago.“There’s going to be an awful lot of people there. It’s going to be something.”The parade is in it’s 72nd year. It begins Sunday, November 18, at 1 p.m. The route travels along Main Street from El Cajon Boulevard to 1st Street. 1514

CORONADO, Calif., (KGTV) — Despite recent shark sighting, thousands of people headed to the beach for the pre-holiday weekend. But instead of sharks, dozens of people left the beach after being stung by stingrays.Beautiful Coronado is home to majestic creatures, including great white sharks. "We do think that the great white shark populations are increasing," Heidi Dewar, research biologist at the Southwest Fisheries Science Center said. She believes the population increase is linked to the implementation of fishing regulations in the 1990s. "In 1994, California pushed all the net-based fisheries outside of state water, which is three nautical miles out. And what that did was that basically protected most of the nursery habitat of the juvenile sharks on the coast," Dewar said. "About the same time, the UN banned these high seas directed at fisheries, which were killing some adult white sharks."Last week, two juvenile white sharks were spotted about a half a mile offshore from the Coronado coast. There were no shark attacks like the one last year in Encinitas, where a 13-year-old boy was bitten in the shoulder while lobster spearfishing. Still, the city officials in Coronado notified beachgoers to be on the lookout. That did not stop 11-year-old Tobias Appel from diving in." We just came here to boogie board and have a bunch of fun," Tobias said. He and his family from Phoenix are vacationing in Coronado. They were having a great time until Tobias was stung by a stingray."Today is not my lucky day," Tobias said. This was his first time getting stung by a ray. We met him as he was sticking his foot into a hot water bath at the lifeguard station. "It is under. Right there," he said. In the hour Tobias was at the lifeguard station neutralizing the venom, we saw several others being carried in for emergency treatment. Lifeguards said warm water, low tide, and a packed beach is the perfect formula for a stingray warning. "One of the most amazing things about the ocean is that right there we have wilderness," Dewar said. "And with the wilderness, we have wild animals. So that's definitely a side of the ocean that people need to keep in mind when they go swimming or surfing."Biologists say remember, this summer when you are going to the beach, you are stepping into the animals' homes. So do not forget to be respectful and careful, while you are having fun. Meanwhile, Tobias has one more day in Coronado before he leaves for Phoenix. He hopes to enjoy what he can. "It's going to be a long drive home. Hopefully, they'll have hot water there," Tobias said. 2599

Congratulations to President-elect Biden and Vice President-elect Harris. This election was hard-fought by both candidates and ultimately the voters chose them for the job. America now looks to you to lead our country and unite us for the common good.— Rep. Paul Mitchell (@RepPaulMitchell) November 7, 2020 315

Cyntoia Brown was just 16 years old when she shot and killed a man whom she said had bought her for sex. Now, 14 years later, she could have a shot at getting out of prison.  Brown was convicted of murder after she shot and killed 43-year old realtor Johnny Allen in 2004. Her lawyers said she was a victim of sex trafficking.Now 30, Brown has a clemency hearing at 10 a.m. local time Wednesday. A state parole board will listen to her case and make a recommendation about whether to grant her clemency. The story sparked national outrage last year after several celebrities, including Kim Kardashian and Rihanna, posted Brown's story on Twitter and Instagram. Her attorneys said Brown had been forced into prostitution and that had Allen paid her for sex. 784

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