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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

CLEVELAND, Ohio — An 11-year-old boy stole his parents' SUV and led police on a high-speed before crashing it late Sunday night, Brooklyn, Ohio police confirmed Monday.WEWS television station has confirmed, through a police report, that this is the same boy who at 10 years old led Ohio State Highway Patrol on a 100 mph chase last fall.It started at 10:59 p.m. when Brooklyn police saw a black Dodge Durango pull into the driveway of a former city fire station. The 11-year-old fled from police and traveled out of the fire station and onto Memphis Avenue.Police pursued the vehicle heading eastbound on Memphis Avenue to Pearl Road.The 11-year-old continued to drive recklessly, reaching speeds higher than 70 mph. When Parma Heights police received a call from the boy's father at 11:06 p.m., saying his son was driving the Dodge Durango, officers from the Brooklyn Police Department canceled the pursuit.At 11:30 p.m., police spoke to the boy's father who received a call telling him that his son crashed into a parked truck in the area of 958 West Schaff in Cleveland.The boy was taken to MetroHealth Medical Center with minor injuries. He told officers that he was not being pursued when he crashed into the SUV.Felony charges will be filed on the driver in juvenile court, police said. 1325

COPENHAGEN, Denmark (AP) — Authorities say the number of passengers on a Norwegian cruise ship who have tested positive for the coronavirus has reached 43.The outbreak on the MS Roald Amundsen has raised new questions about safety on cruise ships during the pandemic even as the industry is pressing to resume sailings after shutting down in March.The ship’s owner, Hurtigruten, has halted all trips and Norway closed its ports to cruise ships for two weeks.Since the cruise line often acts like a local ferry, traveling from port to port along Norway’s west coast, some passengers may have spread the virus to local communities. 637

Commercial real estate leader Steve Schwab is looking to sign tenants to leases at a new development in downtown Denver but he’s running into troubles linked to the pandemic.“COVID has a had a major effect, probably the most major effect in the sales business,” he said.Schwab, a managing principal at Cushman & Wakefield, says COVID-19 has had a major impact on commercial real estate in a short amount of time.“Between the first quarter and the second quarter, we saw office investments sales decrease by about 72%,” he said.Schwab says unemployment, more people working from home and social distancing are impacting commercial real estate sectors like shopping centers, hotels, retail and office spaces.He says that the road to recovery will be very challenging, something other industry experts agree with.“The restaurants, the gyms, the bowling alleys, those are going to struggle over the next 12-18 months until we get back to full physical occupancy,” said Spencer Levy, chairman at CBRE.Levy says high inventory combined with low interest rates could attract foreign investors to American commercial real estate, something he welcomes with open arms.“Foreign money isn’t just cash. It brings everything with it. It brings jobs, it brings foreign students, it brings people that buy retail,” he said.But will foreign investment bring more people back inside massive buildings?Levy compares what today's commercial real estate industry needs to rebound to that of 9/11.“We had a period of time where people were tragically afraid to be back in the cities, afraid to go back into tall buildings. But that passed after people had better security in those buildings,” he said. “We are going to see exactly the same thing today from a wellness prospective.”With many major retailers already moving out of brick and mortar buildings, and millions of square feet available across the country, Levy says the commercial real estate industry needs more government assistance on the road to recovery. 2005

CUSICK, Wa. – The pandemic is making learning tough on students across the country, but for one Native American school that relies on in-person learning, COVID-19 is threatening the core of its program.It’s a language born in the mountains of northeastern Washington. The language, a special dialect called Salish, is the native language of the Kalispel Indian tribe.“We live in the land along the rivers, we hunt we fish, that’s our way,” said JR Bluff, the language director of the Kalispel Tribe.A crucial piece of living the Kalispel way is speaking the Salish language. “Being connected to the ground, being connected to the world, our environment, the people, being connected to our ancestors, the language can do that. It gives you that identity,” said Bluff.It's an identity that was about to be lost forever. “We have four elders that have the language, they’re it, and so we have to move,” said Bluff.So, each day, JR Bluff works to keep his heritage alive. “We believe we are backed into the corner. We believe we don’t have tomorrow, it has to happen today,” said Bluff.Several years ago, Bluff started an immersion school to pass that language down to the next generation. All of the lessons are in Salish.Students who opt into the daily program come to the Salish school after a few hours at the public school across the street.The immersion school not only meets common core education standards, it gives both students and teachers a deep connection to their roots.“The language is healing. It filled a void I didn’t know I had,” said Jessie Isadore, the Language Program Coordinator. “When the kids have a strong foundation and know who they are and where they come from, they’ll be more successful.”Just when JR and his team saw their language growing strong through the students, the pandemic threatened to take it all away.“Our strength is relationships,” said Bluff. “You need to be in the seat with me.”“If the kids aren’t in the classroom, they’re home doing online learning, it’s not the same as being in the classroom. We lose time and we lose language,” said Isadore.To make sure that doesn’t happen, the school’s teachers are now creating Salish lessons online, something they’ve never done before.“We have not done zoom with our students yet, so that’s going to be a new process this year,” said Isadore.“We’re going to figure it out, and we have to figure it out. If I have to record, and we have to drop off a disc everyday, I’ll do it,” said Bluff.It’ll take the extra effort in a place where WiFi is not reliable and instruction is best done in person.“Our language, it’s a sacred breath, you’re not just hearing a word, you are with me and you’re hearing my breath, that’s the strength of our language,” said Bluff.While the future of this classroom is left uncertain, the future of this culture is something JR knows he will protect for his entire life.“Our language has had so many bumps in its thousand-year history, this is just another bump. It’s real in that it affects our community, affects our students, affects our parents, but I know it will pass,” said Bluff. 3111

来源：资阳报