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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

Congress received notification that POTUS officially withdrew the U.S. from the @WHO in the midst of a pandemic.To call Trump’s response to COVID chaotic & incoherent doesn't do it justice. This won't protect American lives or interests—it leaves Americans sick & America alone.— Senator Bob Menendez (@SenatorMenendez) July 7, 2020 348

CINCINNATI — A Mason, Ohio woman said a "hero" tended to another woman who was suffering from seizures during a flight from Houston to Cincinnati on Sunday, and she wants to know why the pilot didn't land so the woman could get medical attention.Amy Hammond said a woman, who appeared to have a young boy with her, two rows in front of her began seizing as the plan was ascending out of Houston, about a minute or two after takeoff on United flight 3466. A man sitting nearby said he worked for a fire department and began to help her, despite being initially scolded for being in the aisle during the ascent, Hammond said. He asked if there was a doctor and then tended to the woman himself through seizures and periods of unresponsiveness. The good Samaritan helped the woman for more than two hours, according to Hammond."He 100 percent kept the plane calm," she said. "He kept us calm because he was so in control."The woman seized "dozens of times" during the flight, but the man would keep her breathing and wake her up, according to Hammond. About 40 minutes in, another person also stood up to help. She said they went through nearly two cans of oxygen from onboard the plane."He just kept her talking, kept right in her face, just kept her going," Hammond said. "And then he knew he was losing her and all this stuff. But by the end, we'd have like 50 seconds of her being unresponsive."A video Hammond posted on Facebook showing the man helping the seizing woman had been shared hundreds of times Monday afternoon.WARNING: The video may be disturbing to some viewers. 1605

CLEVELAND — Police in the Cleveland area now report a total of five Amazon delivery trucks have been stolen in northeast Ohio since Nov. 25, and with them, hundreds of packages. Investigators say in some cases the vehicles are taken by thieves as the Amazon driver leaves the running truck to make a delivery.Cleveland Heights Police Chief Annette Mecklenburg said that's exactly what happened on Dec. 13, after thieves stole an Amazon vehicle during a delivery."The driver was delivering a package, she had exited the truck and was putting it on the porch," Mecklenburg said. “A truck pulled up and one of the men got out and jumped in the Amazon truck and drove away. The truck had been left running with the keys in it. It is possible up to 200 packages, we believe, were in the truck at the time it was stolen. To me it’s just heartbreaking for all the people who had ordered. You know people were ordering online to be safe because they didn’t want to get sick, so many more people were ordering on-line and were looking forward to these packages and these gifts. It’s so close to Christmas, it really is sad, I feel horrible for the people who may not get these packages in time for the holidays.”Mecklenburg said the Amazon driver was not hurt, and said GPS tracking on-board the delivery truck helped speed-up the recovery effort.“Unfortunately, there were no cameras on the truck, and at this time we couldn’t find any cameras in the immediate area where the truck was stolen,” Mecklenburg said. “It’s my understanding that it’s their policy to leave them running when they exit it to deliver a package. We have heard that with some of these trucks, drivers are being robbed by people with guns.”News 5 contacted Amazon headquarters about the truck heists, and asked if these cases have the company considering delivery protocol changes, or adding truck surveillance cameras to assist police make arrests. The company responded quickly, and said the issues are extremely important to their organization, and once they speak with police the company will issue a statement.Meanwhile, Mecklenburg said the crooks will face felony theft charges when found.“Because we’re not going to give up, our detectives are not going to give up, our officers are not going to give up," Mecklenburg said. “I got to believe that there is someone out there who knows who did this, I mean we’re talking 200 packages, and they ended up somewhere.”This story originally reported by Joe Pagonakis on News5Cleveland.com. 2515

Conservatives now hold a decisive edge on the Supreme Court after the Senate voted in a near party-line vote on Monday to confirm Amy Coney Barrett to the highest court in the US.Republican-nominated justices hold a 6-3 advantage on the Supreme Court, three of whom are appointees of President Donald Trump.Trump hosted a swearing in ceremony at the White House nearly an hour after Monday's confirmation vote. Justice Clarence Thomas swore in Barrett.The lone dissenting vote came from Republican Susan Collins of Maine, who is facing a tough re-election bid for her seat. Collins expressed concern of holding a confirmation vote just eight days before the US presidential election. Also, one-third of all US Senate seats are up in next week’s election."Today, Monday, October 26, 2020, will go down as one of the darkest days in the 231-year history of the United States Senate," Senate Minority Leader Chuck Schumer said. "Let the record show that tonight the Republican Senate majority decided to thwart the will of the people and confirm a lifetime appointment to the supreme court in the middle of a presidential election after more than 60 million Americans have voted."In 2016, Republican senators opted not to consider President Barack Obama’s nomination of Merrick Garland to the court after the death of Antonin Scalia in February of that year.Senate Majority Leader Mitch McConnell defended his caucus' vote amid election season."In another political age, Judge Amy Coney Barrett would be getting 70 votes or more in the US Senate because of her qualifications," McConnell said. "In a different era. Now, we know that's not going to happen. These are not the days when Justice Scalia was confirmed 98-0 and Justice Ginsburg was confirmed 96-3. And by the way, I voted for both Ginsburg and Breyer. Seems like a long time ago now."In her swearing in ceremony, Barrett described the political battle during her confirmation. "I have spent a good amount of time over the last month at the Senate, both in meetings with individual senators and in days of hearings before the Senate Judiciary Committee," Barrett said. "The confirmation process has made ever clearer to me one of the fundamental differences between the federal judiciary and the United States Senate, and perhaps the most acute is the role of policy preferences." 2345