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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

Former President George H.W. Bush is awake, alert and talking after he was admitted to intensive care earlier this week, a family spokesman said Tuesday.Bush, 93, was admitted to the Houston Methodist Hospital Sunday morning after contracting an infection that spread to his blood, family spokesman Jim McGrath said, a day after a funeral was held for his wife, Barbara Bush.According to McGrath, the 41st President has said he is determined to get healthy and get to Maine this summer. On Monday, McGrath said Bush was "responding to treatments and appears to be recovering." 584

Fifty- three years ago, Richard and Mildred Loving changed the nation by saying, "I do."The couple got married on June 2, 1958, in Washington D.C but when they returned to Caroline County, Virginia, they were arrested because their marriage wasn't legal.Richard was White and Mildred was Black and their marriage violated the Racial Integrity Act of 1924.Richard and Mildred were charged with unlawful cohabitation and given two options: either continue to serve jail time or leave Virginia for 25 years.The couple faced ostracism and threats, but they took their case to the U.S. Supreme Court to challenge the state's ban against interracial marriage.On June 12, 1967, that case – Loving v. Virginia – produced a landmark decision by the U.S. Supreme Court to strike down laws in 16 states prohibiting interracial marriage.Every year supporters celebrate Loving Day – a day to reflect on and celebrate multicultural unions.Their story was depicted in the 2016 movie “Loving” as well as the 2011 documentary “The Loving Story.”This story was first published by WTVR's Sarah Danial. 1090

FORT LAUDERDALE, Fla. (AP) — The death penalty trial of the man charged with killing 17 people at a Parkland, Florida, high school is off indefinitely because of restrictions related to the coronavirus.Broward Circuit Judge Elizabeth Scherer said Monday in a hearing held remotely that it’s not even clear when the courthouse will reopen to the public. It's been closed since March 16.Nikolas Cruz is charged with fatally shooting 17 people and wounding 17 others at Marjory Stoneman Douglas High School on Valentine’s Day 2018.His lawyers say Cruz would plead guilty in exchange for a life prison sentence, but prosecutors reject that. 644

Florida is just one step away from living up to its nickname as “The Sunshine State."Florida Governor Rick Scott signed HB 1013 on Friday. The bill would let Florida remain on Daylight Saving Time year round.The "Sunshine Protection Act," would make Florida exempt from the twice-yearly time change.While the rest of the Eastern United States would set their clocks back in the fall, Florida wouldn’t, leaving it with more sunshine in the evening during the winter. Northwest Florida is currently in the Central time zone.The bill still has to be approved by Congress. 596

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