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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

CORAL SPRINGS, Fla. — A copy of a school quiz entitled "Does Nikolas Cruz Deserve to Die?" recently gained a lot of attention on social media.The quiz was meant to be an assignment on the death penalty. School officials say it was distributed to students at Coral Glades High School in Coral Springs, Florida last week. The high school is just a few miles away from Marjory Stoneman Douglas High School where Cruz shot and killed 17 students and staff earlier this year.Stoneman Douglas parents like Cindy Levine are furious."These people lost their children, for crying out loud," Levine said. "And my son could have been one of them."The outrage spilled onto social media. Stoneman Douglas survivor and student activist Cameron Kasky, quoted in the quiz, tweeted "I cannot begin to express how pathetic I find this." School board critic Andrew Pollack, who lost his daughter in the school shooting, tweeted: "This is absolutely despicable." And, "Does anyone @browardschools have a brain?"School staff posted a message on the school website Friday saying they were unaware of the assignment.It said the material was from a subscription-based publication and has been pulled.The school said it's instituting a review and regrets the incident occurred.Scholastic, the publisher, sent WPLG a statement that their intention was to "... provide a platform for meaningful conversations around the history, civics and social impact of the death penalty. We deeply regret if this real life example added in any way to the ongoing suffering of the students, families and educators of the Parkland community." 1664

CMA Entertainer of the Year nominee Luke Bryan says jokingly he may be a meaner person by the time American Idol is over.The “Huntin', Fishin' & Lovin' Every Day” singer explained to Scripps that one of his biggest challenges going into the show is finding a way to tell younger artists that it may not be their time in the spotlight yet.CMA Awards: How Florida Georgia Line ended up on Morgan Wallen's "Up Down"“You have to learn how to tell people no,” Bryan said. “We are telling these dreamers that they are not quite good enough to make it through thus far.”He explained to Scripps in Nashville that it may not be because of a lack of talent, saying that he’s not sure he could have made the cut early in his career.“A lot of these people are talented,” Bryan said. “If I had been 17 or 18-years-old I don’t think I would have cut the mustard back then.”CMA Awards: Kelsea Ballerini talks about fangirling and having dinner with RebaDon’t look for the country superstar to take on the Simon Cowell persona. He says that with fellow judges Katy Perry and Lionel Richie also being an artist it can make it an especially tough assignment.In addition to his CMA nomination, Bryan is preparing to kick off his “What Makes You Country” tour in February in Springfield, Missouri.The CMA Awards air Wednesday night at 7 p.m. (CT) on ABC. 1346

CLEVELAND — After the team announced it will be changing its name, Cleveland Indians owner Paul Dolan sent a letter to fans addressing the decision.Dolan said that as a fifth-generation Clevelander, he understands the impact and importance of the decision to change the name. He said while many fans may be upset that the team they grew up with will soon have a different name, the most important part of the team isn’t changing."Like many of you, I grew up with this name and have many great memories of past Indians teams: the World Series appearances, Cy Young winners, the longest win streak in MLB history, and countless other unforgettable moments that brought our team, fans, and community together,” Dolan wrote. “These memories will forever stay in our hearts, minds, and record books, and we will continue to recognize our ball club’s remarkable legacy. While I have often associated these unforgettable memories with the name Indians, I sincerely believe Cleveland is the most important part of our team name.”Dolan credited the team’s progressive history and said the decision to change the name only helps keep up with the organization’s high standard.“Ultimately, we found our organization is at its best when we can unify our community and bring people together around our shared interest in our home team – and we believe a new name will allow us to do this more fully,” Dolan wrote. “We often celebrate being the first team in the American League to have an African American player in Larry Doby and the first African American manager in Frank Robinson. These forward-thinking acts by our predecessors have helped shaped our team and community, and today’s decision helps us continue to live up to these high standards and expectations.”When the team announced the decision to change the name, it was made clear that this was not going to happen overnight and that while the process is ongoing, Cleveland’s baseball team will still go by the “Indians.”“Our decision to change the current name is phase one of a multi-phased process. Future decisions, including the new name and brand development, are complex and will take time. We believe our new name will take us into the future and proudly represent this storied franchise for decades and generations to come. In light of the importance, we will not rush these decisions,” Dolan wrote to fans.Dolan ended his letter to fans thanking them for their support and said his love for baseball and the city of Cleveland is a driving force behind his belief that the organization can make a “positive impact within our city to unite and inspire those around us to do the same.”Read his full letter to fans below: 2683

COVID-19 is impacting industries all throughout our country, and the real estate market is seeing its share of ups and downs. But now, there is a possible light at the end of the tunnel.“I’ve seen all sorts of crazy,” said realtor Amy Asher of the unpredictable housing market in 2020.First time home buyer Alex Saiz decided this was the time to pull the trigger and leave apartment life behind.“It’s really exciting and a bit stressful,” Saiz said. "I was renting. I just didn’t want to rent anymore.”He’s been looking at houses with Asher.Asher said when COVID-19 hit in March, the market screeched to a halt.“We were all nervous, because you don’t know what to expect,” Asher said.According to the National Association of Realtors, 85 percent of realtors saw a noticeable decline in sales in the spring. However, the trend is changing.“Once we got the green light to kind of move about and practice business, man, everyone just jumped,” Asher said.For most of the country, the pandemic means school at home for the kids and stressed out parents trying to work from home, too.“I’ve had a lot of past clients call me who feel like the walls of their homes are just closing in around them,” Asher said.As for Saiz, the upswing after lockdown meant finding the perfect bachelor pad."(The pandemic) almost kind of helped me, because it did bring the prices lower and the interest rates dropped,” Saiz said. “It was kind of an opportunity that I took advantage of. It was a total no-brainer.”For now, the roller coaster ride that is 2020 will continue. Although the future looks promising, this year has taught us all that anything can happen."If we don’t level out a little bit, I think we could be heading toward a bubble burst,” Asher said cautiously. 1759

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