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— and it came 14 days early. Ian and Hailey Roell's father, Paul, is a member of the Army National Guard. He's been deployed since the middle of last school year and they weren't expecting him to be home until sometime in January. But their mother, Stephanie, found out just a few days earlier that Paul would be home for Christmas, so she decided to come up with a way to surprise her kids. "They didn't give the soldiers their flight info until 20 minutes before they had them leave the barracks," she said. Stephanie contacted Ian's school and set up a plan to surprise her son. She said the school was on board as soon as she brought them the idea and they came up with a way to make it happen, without giving Ian any idea of what was going on. Around noon, teachers brought their students to the gym to "play some games." They let the kids play a couple of games, before getting to the important one. During Ian's game, the teachers blindfolded three kids and asked them to feel the hands and face of "someone behind them" and guess who they were... as you can imagine, Ian's "secret person" was the best of the bunch. 1125

You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

With reported squabbling between the CDC and White House, the CDC announced late Wednesday that a no-sail order on passenger cruise ships has been extended through the month of October due to the coronavirus pandemic.The order, which will now run through Oct. 31, was set to expire tonight.According to the New York Times, the CDC had wanted to extend the order into February, but the White House blocked the move.The no-sail order, which originally began in April, prohibits cruise ships from carrying 250 passengers in waters subject to US jurisdiction.The CDC said it has identified at least 3,689 coronavirus-related illnesses, and 41 associated deaths, although the CDC cautions these figures are likely an underestimate.“On cruise ships, passengers and crew share spaces that are more crowded than most urban settings,” the CDC said. “Data show that when only essential crew are on board, ongoing spread of SARS-CoV-2 still occurs. If unrestricted cruise ship passenger operations were permitted to resume, passengers and crew on board would be at increased risk of SARS-CoV-2 infection and those that work or travel on cruise ships would place substantial unnecessary risk on healthcare workers, port personnel and federal partners (i.e., Customs and Border Protection and the U.S. Coast Guard), and the communities they return to.”While it’s possible the cruise industry can resume operations in November, it’s likely that the coronavirus will continue to have a significant effect on the industry for months to come. Carnival had already announced plans to suspended operations on several ships until the spring. 1629

YouTube has suspended monetization on Shane Dawson's three channels indefinitely.The company's action comes after Dawson posted a video titled Taking Accountability, in which he apologizes for his offensive behavior in previous videos uploaded to his channels.In a statement to E.W. Scripps, a YouTube spokesperson said that the company had to take action."We take all allegations seriously and have a responsibility to protect the entire community of creators, viewers, and advertisers from these rare but often damaging situations," the spokesperson said in the statement. "In this case, our review determined that taken in totality, the impact and nature of his previous videos and on- and off-platform behavior warranted action."Dawson said in the apology video that he was sorry for posting videos that he hated."If you've been watching me for a while, then you know that I have done a lot of things in my past that I hate that I wish that I could make it go away that I try to make go away by deleting videos or untagging my Instagram to pretend that those things didn't happen," Dawson said in the 20-minute long YouTube video. "Yes because I apologized for a lot of them, but I'm 31, almost 32, and those apologies suck."Dawson said there was no excuse for him donning blackface in some of his previous videos.“It was wrong and stupid and I put that out onto the internet, as an adult," Dawson said in the video. "That is insane. I am so sorry. I am so sorry to anybody that saw that and also saw that people were lifting me up and saying, 'you're so funny, Shane.' I can't even imagine what it would be like to be Black and see this white guy do blackface."Dawson has over 23 million subscribers on YouTube. 1724

-- meaning high fire risk -- into Friday afternoon.The Saddleridge Fire started around 9 p.m. ET and jumped the 210 and 5 freeways, and some parts those roads and the 405 were closed as orange embers lit up the night sky. By late Thursday it had gutted 60 acres; but some four hours later, it had grown to more than 4,000 acres, fire officials said.Hector Landeros, who lives in northern Los Angeles' Sylmar neighborhood, said he heard fire trucks and police cruisers speeding through the streets Thursday night as the massive flames got closer."In some areas, the streets have started to empty but at the front lines people are watching, waiting on the sidewalk not really knowing what to do," he told CNN early Friday. "There are a lot of people trying to get into their neighborhoods."Shaun Butch said he saw flames on both sides of the freeway while driving on Interstate 5."Everything was engulfed in smoke and visibility was so low it was hard to drive. Everyone on the Interstate 5 north was stopped and trapped. Still was able to barely get through on the Interstate 5 north."Patsy Zamora said as she drove on the freeway with the fire next to the truck route, she could feel the heat through the windows.In Sylmar, Mojdan Darabi's husband was spraying their house and yard with a garden hose early Friday, 1316