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Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Four Toledo, Ohio, teenagers who pleaded guilty to killing a man when they dropped a sandbag from a highway overpass have been ordered to a youth treatment facility, a court official said."The youth treatment center is a lockdown facility in Toledo. The program runs six months, but there is no set time to release. The average youth spends eight months there," Lori Olender, juvenile division deputy chief for the Lucas County Prosecutor's Office, said in an email.Besides being ordered to the youth treatment facility, the teenagers were given four-year suspended sentences, placed on probation and ordered to perform 30 hours of community service, Olender said.One was charged with murder and felonious assault and three were charged with involuntary manslaughter and vehicular vandalism, she said. All four pleaded guilty.The youths were charged after a sandbag dropped from an interstate overpass crashed through the window of a vehicle below and hit Marquise Byrd, 22, on December 19, 2017. He died later at a hospital.Three of the teens were 14 when the incident happened and one was 13, authorities said. CNN has not identified them by name because they are minors.Lillian Diallo, an attorney for the Byrd family, told CNN Saturday that she found the sentence to be "extremely light.""It was light on steroids," Diallo said, adding that "the sentence was a heck of a message to send.""You can't tell me at 13 you didn't know it was wrong to throw things on the freeway," Diallo said.Byrd had been preparing to propose to his girlfriend and the mother of his 2-year-old son, Diallo said."This is tragic all the way around," Diallo said. "The fiancée didn't even know she was going to be a fiancée. To steal that from somebody is just horrific."The boys had been walking to a store to purchase candy before they crossed the overpass and began throwing rocks, the Blade reported.During previous court hearings, two boys admitted to throwing two different sandbags, the Blade reported. A sandbag landed on the side of the road and another one on Byrd's vehicle. 2073

Following the recent death of a fraternity pledge, Florida State University has banned all fraternities and sororities.Tallahassee, Florida police said Pi Kappa Phi pledge Andrew Coffey, 20, died at an off-campus chapter party on Friday, Nov. 3. Investigators collected alcohol bottles at the scene but have not released an official cause of death for Coffey. The bottles collected were scattered on the porch of the home where the party took place.Coffey was found unresponsive just after 10 a.m. Friday. 528

Former President George H.W. Bush will continue to recover in the hospital through the weekend, but he "is in excellent spirits," a family spokesman said Friday.Bush continues to focus on "regaining strength," but the 93-year-old former president "is looking forward to resuming his schedule and going to Maine next month," the spokesman, Jim McGrath, said in a tweet.The 41st president was moved from intensive care to a regular patient room at Houston Methodist Hospital on Wednesday afternoon. He was admitted on Sunday morning after contracting an infection that spread to his blood. Earlier Wednesday, a source close to the Bush family said the 41st president was doing much better, pointing to a tweet from Bush's Twitter account that thanked Houston authorities for their handling of Barbara Bush's funeral as a positive indication of Bush's recovery.Bush's hospitalization came just a day after the funeral of his wife, Barbara Bush. The former first lady passed away last Tuesday at the age of 92. The pair had been married for 73 years. 1054

For 20 minutes, the Southwest Airlines jet was a normal flight from New York to Dallas with 149 people aboard.The plane was flying at 32,500 feet Tuesday morning as passengers settled in for the three-hour flight.Suddenly, the alarms blared in the cockpit as what sounded like explosions boomed from the left side of the plane. Oxygen masks swiftly dangled from the ceiling.What followed was a terrifying sequence of events that ended with one woman dead, seven people injured and an emergency landing at Philadelphia International Airport.'Everybody was going crazy'Southwest Airlines Flight 1380 took off from LaGuardia at 10:43 a.m., and landed in Philadelphia about 11:20 a.m., federal officials said.The Boeing 737 was headed to Dallas with 144 passengers and five crew members . For about 20 minutes, everything seemed calm. Then what sounded like an explosion suddenly jolted the plane, passenger Marty Martinez said."I heard a loud boom and about five seconds later, all the oxygen masks deployed," he said. "I immediately knew something was wrong. It just didn't register what could have been."Something in the engine broke apart midair and burst through the window, passengers said. The shattered window partially sucked a woman out of the plane as passengers struggled to pull her back in."Everybody was going crazy, and yelling and screaming," Martinez said. "As the plane is going down, I am literally purchasing internet just so I can get some kind of communication to the outside world."Objects flying outAs the plane quickly descended, passengers close to the woman scrambled to hold her tight. Others stuffed clothes and jackets into the gaping hole on the window, said Martinez, who was sitting two rows away from the woman. Those items got sucked out of the plane, too, he said."We could feel the air from the outside coming in, and then we had smoke kind of coming in the window," Martinez said.In the chaos, it was hard to hear anyone. Flight tracking website FlightRadar24 estimated the plane descended from 31,684 feet to 10,000 feet in a little over five minutes."It was very loud, so announcements from the pilot or any other crew would not have been heard," passenger Amy Serafini said.Passenger Matt Tranchin watched the commotion as people tried to help."Everyone kind of descended on where this hole was," he said. He thought about his family, and whether he'd see them again."That I'll never live to see my son born. That I'll never be able to say goodbye to my wife, say goodbye to my parents. But I am. I feel really very fortunate for that," he told CNN affiliate WPVI.Nurse performs CPRAfter trying to pull the woman back for several minutes, a man in a cowboy hat and a second man finally got her back in her seat, Serafini said.A nurse aboard the flight volunteered to perform CPR."I went back and we started CPR on the lady, which we continued for about 20 minutes. We were still doing CPR when the plane landed," said nurse Peggy Williams. "We made every effort that we could possibly make to save this woman's life."Martinez said it was a rough landing, and he wasn't sure if the plane was going to crash. The jet could have been landing on a freeway or a skyscraper for all he knew, he said."I didn't know if we were going to be running into a building. I didn't know what state the plane or even the pilot was in, if we were in condition to land," he said. "Finally when we ... came to a halt, of course, the entire crowd was (in) tears and people crying and we were just thankful to be alive."Air traffic callBefore the plane landed, the pilot asked the air traffic controller to send medics to meet it."Injured passengers OK, and is your airplane physically on fire?" the air traffic controller asked."No, it's not on fire, but part of it is missing. They said there's a hole and that someone went out," the pilot responded."Um, I'm sorry, you said there was a hole and somebody went out? Southwest 1380, it doesn't matter we will work it out there," the air traffic controller said.The air traffic controller asked other planes to prepare for the airport to be shut down.The investigationThe National Transportation Safety Board said a preliminary look at the engine shows one of its 24 fan blades was missing.A first look showed evidence of metal fatigue where the blade attached to a hub, according to Chairman Robert Sumwalt of NTSB.The crew reported damage to one of the aircraft's engines as well as the fuselage and a window, the Federal Aviation Administration said.Southwest CEO Gary Kelly said the plane was inspected Sunday, but he had no details on what parts were examined. "I'm not aware of any issues with the airplane or any issues with the engine involved," he said."This is a sad day and our hearts go out to the family and the loved ones of the deceased customer," he said. "We will do all that we can to support them during this very difficult time."The woman killed was identified as Jennifer Riordan, 43, according to CNN affiliate KOAT. It said she worked for Wells Fargo in Albuquerque, New Mexico. Southwest said it's the first in-flight death in company history.Flight recorders found The flight data recorder and the cockpit voice recorder have been sent to Washington, Sumwalt said. The flight data recorder showed the plane was at 32,500 feet when the engine failed about 20 minutes into the flight.The cowling for the engine was found about 70 miles from where the plane landed.In August 2016, a Southwest Airlines jet flying from New Orleans to Orlando was forced to make an emergency landing in Pensacola, Florida, when an engine failed.The-CNN-Wire 5632

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