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Because of the coronavirus pandemic, millions of people have not had to repay their federal student loans.Well, that's about to change when the administrative forbearance ends on Dec. 31.According to Federal Student Aid, your monthly payments will resume at a new amount when the forbearance ends."The 0% interest period and administrative forbearance are currently set to expire on Dec. 31, 2020," FAFSA officials stated on the FAQ. "Your servicer will contact you ahead of time to remind you that you will need to start making payments again. Make sure your contact information is up to date in your loan servicer account profile."So what exactly does it mean for you once the forbearance ends?It means borrowers will start getting billed sometime in January, and if you're in default, you'll be subject to wage garnishments, tax refund seizures, and offsets of Social Security benefits.If you think you won't be able to start repaying your loans, you have options.According to Nerd Wallet, if you can't pay the monthly payments, you can apply for an income-driven repayment plan to avoid default.Another option that could help is to pause payments through forbearance or an unemployment deferment, Nerd Wallet stated.This would halt your costs, but you'd be accruing interest during the pause. You can ask to make interest-only payments, so you don't have to owe more than you already do. 1399

BORREGO SPRINGS, Calif. (KGTV) - California State Parks are preparing for wildflower blooms across the state. The unpredictable and rare occurrences attract thousands of people to the parks. Some of the most beautiful blooms take place in desert landscapes. These rare blooms occur when precipitation levels in the areas are high, combined with years-long drought that eliminate grasses and weeds that take up nutrients. These conditions cause wildflowers to thrive. Vibrant wildflowers can already be seen sprouting from the typically barren brown soil in Anza-Borrego Desert State Park.“This area is just a mosaic of a painter’s colors," said Danny McCamish, Senior Environmental Scientist for the Colorado Desert District and Anza-Borrego State Park.RELATED: Photos: Gorgeous spring bloom carpets Anza Borrego desert"The early October, November rains started that germination process early this year, and so as the December, January, and February rains came in, all of the area was ripe to go off like this."Cooler temperatures are also a factor in prolonging the bloom, which the region has been experiencing thanks to snow in the mountains. McCamish says during the 2017 'super bloom' word of the beauty spread fast on social media, drawing in 6,000 to 7,000 cars a day.He says the rush of visitors overwhelmed the small town of Borrego Springs but that this year they're more prepared. Restaurants are planning to offer to-go meals and rangers will set up pop-up visitor centers to spread out where visitors go.McCamish recommends people check out other parts of the 700,000-acre region, including Ocotillo Wells State Vehicular Recreation Area.And if you plan to spend the night figure out lodging ahead of time, whether that be a hotel or camping.In addition to the flowers, visitors can enjoy nature on a bike. Bike Borrego offers tours on electric bikes, as well as bicycles for more advanced riders. California State Parks offers these rules and tips for visitors:Take only pictures, flower picking is prohibitedPick up all trashUnderstand the area; cell coverage may be spottyKnow your vehicle's limitsVisit the parks during the week and arrive early to beat the crowdsCheck weather conditions beforehandBring plenty of food and waterDrink plenty of water before your visit to remain hydrated and avoid heat-related emergencies 2348

Brunch can be a big draw for many restaurants, including at Sam’s No. 3 Diner in Denver, where the wait time to be seated on weekends could take up to two hours.“It gets crowded on that sidewalk out there,” said owner Sam Armatas.Pre-pandemic, Armatas says the iconic downtown diner had more than 180 seats. Now, with new health restrictions, that number has been cut to 83.“Business has been affected greatly,” Armatas said. “It’s a different world, it’s a different way to operate, and it’s a different way to serve.”Less seating means less opportunities to make money which led management at Sam’s to look outside their restaurant to serve more customers.“I kind of just looked over at my neighbor and thought, ‘hey, they’re not using that patio during the day. Maybe I can use that patio during the day,’” Armatas said. “So, I got in contact with Matt.”Matt Ruff is the general manager and part owner of Dazzle, one of the top 100 jazz clubs in the world.“It’s kind of foolish not to lend our neighbors a hand during this time,” Ruff said.Ruff is lending Dazzle’s outdoor patio space to Sam’s during the day for free, a move customers seem to appreciate while industry experts are calling it a financial Band-Aid.According to the National Restaurant Association, somewhere between 15,000 to 20,000 restaurants across the country closed their doors for good during this pandemic.Experts expect that number to increase nationwide as an estimated 8,000,000 American service industry workers are already out of jobs.“We’re monthly doing the revenue we would do on a good Saturday,” Ruff said. “How do you survive with doing something like that?”So far, this partnership with Dazzle and Sam’s sharing space seems to be working out well for both businesses.“It’s been awesome,” Armatas said. ”It’s an additional 12 to 15 seats that we didn’t have before.”The plan is to continue sharing this space until these establishments are able to operate at full capacity or the weather no longer allows for outdoor seating. 2020

BUFFALO, N.Y. - At a house in Buffalo, you'll find a resource to help neighbors in need."I think Buffalo really has the chance and ability to want to really come together and put some positivity into the air right now you know?" said Jessie Reardon.Reardon is the woman behind the Buffalo Community Fridge. She's also a registered nurse at Roswell Park Comprehensive Cancer Center.The fridge is for anyone who needs fresh produce, baby food, or even a pre-packaged meal. She got all the logistics together starting in July and put the fridge out last week.Reardon said the fridge was a donation from a friend. Since then, a few others have offered to find fridges for the effort."The ultimate goal is to for there to be refrigerators all over the city, in every neighborhood, all over. Spreading mutual aid giving food to people that need it," said Reardon.It's a resource critical to Buffalo's east side, which is considered a food desert."It's hard to get fresh fruit and the natural resources that our families need for their children, so they have the proper nutrition," said Pastor Dwayne Jones, with Mt. Aaron Missionary Baptist Church.Pastor Jones, an advocate for getting produce to food deserts, said there's only one supermarket on the east side.He's been working on a local, state, and federal level to get more supermarkets to that area."We need a supermarket down on this part of the east side," he said. "Everybody needs an apple, fresh milk, everybody needs fresh milk, fresh produce."Right now, Reardon wants other people to get encouraged to host a refrigerator themselves, and she is more than willing to help them get started."Anyone can do this, absolutely. It is anyone's project, it's just as much as your project as it is my project," she said.Any food items are accepted, except for raw meat or seafood. And if you prepare a meal at home, she asks that you list the ingredients and put a date on it.This story was first reported by Ala Errebhi at WKBW in Buffalo, New York. 2005

BONSALL, Calif. (KGTV) - Victims of the Lilac Fire are concerned after the Federal Emergency Management Agency overshared personal information on millions of people. The Office of Inspector General released a report showing FEMA gave 2.3 million hurricane and wildfire victims’ private information like bank account numbers, social security numbers, and home addresses to a contractor.Peter Andrew lost his home in the Lilac Fire. He’s since rebuilt, but learning the news about FEMA is concerning to him.“It’s always a concern when information is compromised, but in this case, the contractors went above and beyond, and I’d trust them with that information if it was an accident," said Andrew.Pat Damon also lost her home in the Lilac Fire. FEMA helped her rebuild, and she says she gave them all of her personal information. She’s worried after hearing they gave out personal information. She says it happens all too often though. “If someone gets into my bank account and takes my identity, I just don’t know what it would be like to deal with that," said Damon.We reached out to FEMA to find out how many Lilac Fire victims were involved in the oversharing. 1170