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Food banks around the country are overwhelmed. It has become normal in recent months to see hundreds of people or cars in a line stretching for miles outside food banks and pantries. Some people are even beginning to show up hours before scheduled food distributions."I came here at 11 o'clock and there was already three people in front of me,” said Michael Sell, who waited outside a drive-thru food pantry that opened at 1 p.m. near Springfield, Massachusetts.Sell is a retired mental health professional, who now relies on pantries in the region. He says he’s seen the pantry lines grow for months."It is almost incomprehensible how many people are hurting,” Sell added.“Every distribution we are running is out of food, and I am calling suppliers, and I'm calling food banks like, 'we need more food’,” said Robin Bialecki, with the Easthampton Community Center.Bialecki also works with the Western Massachusetts Food Bank to hold a drive-thru pantry several times a month. Every month the pandemic goes on, it has become more difficult to provide enough food for all the people in her community in need. There have been times where the pantry has had to ask people to take less food so they could help more families.“A lot of people who normally give during the holiday season, they're keeping that food,” said Bialecki. “They have lost their jobs.”Some people who used to donate regularly are now seeking help from her pantry. In the 19 years that she has organized pantry food distributions, she has never seen a need at this level.“We definitely hope we do not get to the point where we will not be able to feel the need,” said Bialecki.In the next few weeks, if Congress does not pass a stimulus package, it is estimated that at least 12 million Americans will lose their unemployment benefits, and 11 to 13 million people could be evicted from their homes. Most of those people will have no other option but to turn to food banks, which are already at their brink. 1983

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

For the first time, we are all about to experience a holiday season during a pandemic. Industry experts are reporting it will be drastically different this year, especially for holiday shoppers.“The traditional Christmas holiday sale season is pretty chaotic,” said Bill Thorne. “There's not going to be a whole lot of that chaos this year.”Thorne is with the National Retail Federation. He’s has gathered key insight into what the holiday shopping experience will instead be like this year.“It is going to be an entirely different experience,” Thorne reinforced.One of the biggest changes is that many retailers have reevaluated Black Friday traditions, starting with staying open on Thanksgiving Day.“There are a number or brands, large brand that have already announced they are not going to be open on Thanksgiving Day and I believe that is for a number of reasons,” explained Thorne. “Primary among them are to give those associates and employees an opportunity to be at home, be with their family, to celebrate the most important thing that they have, which is each other.”Some of the retailers that have announced they will be closed this Thanksgiving include: Best Buy, Boscov’s, Foot Locker, Home Depot, JCPenney, Macy’s, Target, Walmart, and Costco.Most of those retailers will reopen the day after and some will offer a “Black Friday” sale, but the shopping experience will still be very different.“I don’t believe the vast majority will be opening at excessive early hours,” said Thorne. "I think they are going to greatly discourage people from lining up and if there are lines, they will be socially distanced, you won’t be able to just storm the store.”The number of people allowed in a store will be limited, as many retailers report crowd control will be a huge focus on Black Friday and throughout the holiday shopping season. So much so that companies like Walmart, Target, and Home Depot are trying to reduce the crowds, nearly two months in advance, by offering major Christmas sales this month.“There are several brands that have indicated they are going to do Black Friday sales every Friday until Christmas,” Thorne explained. “You are going to hear retailers reinforcing the deals you would normally get post-Thanksgiving you are going to get starting tomorrow.”The National Retail Federation believes Black Friday sales spread over three months, versus one day, may not only be a safer shopping experience, but it may ensure shoppers actually get the gifts they want before stores potentially and abruptly close again. Another rise in COVID-19 cases has some cities mulling over that idea. 2623

Feel like taking a late night swim in your backyard pool? Finding a giant gator beat you to it is not want you want to see.A homeowner in Sarasota, Florida got the surprise of a lifetime when an 11-foot gator was discovered taking a late Friday night dip on the lanai.Sarasota County sheriff's deputies and a gator trapper were contacted to remove the gator.The gator didn't immediately want to go.After a short struggle, the gator gave up and was taken away quietly.  481

Five-figure signing bonuses, free housing, college tuition for employees and their children.Hospitals and other medical facilities are getting so desperate to recruit and retain nurses they're offering all sorts of pricey perks and incentives."These are some of the grandiose examples we've heard from our members," said Seun Ross, director of nursing practice and work environment at the American Nurses Association. "Who knows what employers will come up with next?" 476