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The 2008 recession proved devastating not only to the economy but American lives after suicide numbers spiked in its wake. And for veterans at a high risk of unemployment and mental illness, experts say greater efforts are needed to support the population.A nonprofit in San Diego is using a unique form of therapy to help veterans and their caregivers during this time."All I have to do is relax. Being able to get out of my head and literally not have to do anything for an hour, it's amazing," said Candra Murphy, an Air Force veteran.In a pool heated to match the human temperature, veterans are transported to a state of calm."It's often equated to if you were to go all the way back to being the womb, and that safety and serenity of being in the watery environment," said Elizabeth Berg, executive director of Wave Academy.But like many veterans sent to the aquatic therapy program, Murphy had her reservations."The first session, I was tense pretty much all the way through," remembered Murphy.Murphy served for six years and deployed once to Balad, Iraq. She says the base was a constant target for mortar attacks, and the most difficult part of the deployment was not knowing what was going to happen next.When she reintegrated back into civilian life, everyday tasks like driving, were a challenge."It just depends on the day. More often than not, my symptoms tend to show up as anxiety, hyper-vigilance, general distrust of crowds. I tend to self-isolate a lot," said Murphy.Through counseling, Murphy learned she had Post Traumatic Stress Disorder (PTSD). She began sessions at Wave Academy before COVID-19, but like many services, it was put on hold.Murphy says she's been managing the pandemic well, but it was challenging not having access to the therapies which help with her PTSD."For the first time ever, we have a wait list of people who would like to have our therapy program," said Berg.Wave Academy serves veterans, active duty service members, and caregivers. Through donors and granters, they're able to provide eight sessions at no cost for people with low to moderate-income."It's great for physical therapy as well, the warm water and the light massaging and maybe twist or stretches is absolutely helpful for the physical body. But I think the piece that makes it so effective when we're working with veterans who have post-traumatic stress, you know we're working with that trauma of the mind, is that this particular therapy transcends from body to mind," said Berg.Clinical psychologist Mark Jesinoski works with combat veterans, many who were already dealing with heightened physical and emotional pain before the pandemic."I'm hearing from a lot of veterans that they're feeling more isolated, they're feeling less supported. Exactly what they need they're not getting right now," said Dr. Jesinoski. He says he's alarmed by what he sees in his practice, for both civilians and veterans. "When I look back at my veteran community that I get to work with every day and feel their pulse, what I notice is every single thing they experience as normal people is completely and totally magnified by what's happening in our society today," said Dr. Jesinoski. A report from the Meadows Mental Health Policy Institute indicated that for every 5 percent increase in the national unemployment rate, as many as 550 veterans a year could be lost to suicide, and 20,000 more could suffer from substance abuse disorders.But instead of focusing on predictions, Dr. Jesinoski says society should seek proactive solutions."I don't think it's a matter of putting more money into it, I think it's about being much smarter and much wiser in how we allocate that money in being a much more interconnected system of services," said Dr. Jesinoski. Between the government and community nonprofits like Wave Academy."What I would say to a veteran if they are struggling is don't do that pride thing, don't do that isolation thing, don't do the 'I ain't got time to bleed thing'. Be willing to take a breath and to overcome that resistance to asking for help," said Jesinoski.After being inspired by his journey of working and healing with veterans, Dr. Jesinosky started a podcast to help support the population.If you or someone you know needs help, you can contact the National Suicide Prevention Lifeline anytime at 1-800–273-8255. 4353

Tad Cummins, a former teacher in Tennessee who was charged with the kidnapping of a 15-year-old girl, is expected to plea guilty in the case.Cummins' attorney filed a motion for a hearing to change Cummins' plea.He pleaded not guilty last year on charges of transporting a minor across state lines for the purpose of engaging in criminal sexual conduct and obstruction of justice.Read More: 413

The American Hockey League is targeting a Feb. 5 start date for next season. The AHL's board of governors determined that projected start date during a call Wednesday. The AHL is the top minor league affiliate of the NHL, which is targeting a Jan. 1 start for the season. A typical AHL season usually starts after the NHL gets underway. NHL deputy commissioner Bill Daly says he doesn't expect the AHL announcement to affect the NHL's planning. Daly adds the AHL has kept the NHL informed during its decision-making process and those general managers were briefed last week. 582

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. — It's often called the most wonderful time of the year. With Christmas just 10 days away, public health experts are urging families to be cautious around the holiday to help prevent the spread of COVID-19.“If people interpret the vaccine being here as an opportunity to lower their guard, then, unfortunately, we’re going to see more sorrow and death, and those are all preventable,” said USF Health professor Dr. Marissa Levine.Since the Thanksgiving holiday, we’ve recently seen an upward trend in COVID-19 cases in the Tampa Bay area. Dr. Levine points to an increase in hospitalizations, too, though not as steep of an increase as what we saw this summer.“This is happening with Christmas and New Year’s just around the corner, so all bets are off in terms of what happens after that,” said Levine. “That will really depend on what we do between now and the beginning of January.”The CDC says celebrating the holiday virtually or with people you live with poses the lowest risk for spread. It says getting together with family and friends who don’t live with you can increase the chances of getting or spreading COVID-19.If you are having a small gathering, the CDC suggests limiting the number of people, hosting outdoors rather than indoors, and having supplies like extra masks available. If inside, experts recommend opening windows and doors to increase ventilation. “I would really push people to do everything possible to try to keep your distance, and if you can’t, wear your face coverings all the time that you’re not eating,” said Levine.The CDC also says people who have COVID symptoms, are waiting on test results, or are at an increased risk of severe illness should not go to an in-person celebration. If you travel, the CDC says testing does not eliminate all risk, but it can help make travel safer. Still, it says the safest thing to do is to stay home.“I think the real message here is there’s hope. There’s lots of hope ahead. I’m hoping that we’re at the beginning of the end, but the beginning of the end does not mean we can let our guard down,” said Dr. Levine. “In fact, we’re probably going to have to really push to do physical distancing, face masks, and handwashing for a number of months into the future.”This story was first reported by Mary O'Connell at WFTS in Tampa Bay, Florida. 2338

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