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RAMONA (CNS) - A motorcyclist was killed in a crash today on the Barona Indian Reservation.A motorcycle was hit and ended up underneath a Ford sedan around 1:30 p.m. on Wildcat Canyon Road more than a mile south of Little Klondike Road, according to a California Highway Patrol incident log. The area is about halfway between Barona Resort and Casino and the community of Ramona.Passersby stopped and were able to pull the motorcyclist out from underneath the car, but the biker succumbed to injuries suffered in the crash, the CHP said.The northbound lane of the road was shut down.Identifying information on the victim was not immediately available. 659

RANCHO BERNARDO, Calif. (KGTV) -- A Rancho Bernardo woman wants to warn her elderly neighbors to double check their water bills."Evey Borrelli is not part of the roughly 350 water customers who were overcharged when a now-former city employee misread hundreds of meters this past winter," but she did receive an incorrect bill in April of 2017.RELATED:  381

RANCHITA, Calif. (KGTV) -- The bodies of three people killed in a plane crash at Volcan Mountain are being recovered Monday.The victims haven’t been identified at this time. Authorities were finally able to reach the site for the first time Sunday after they said high winds Saturday prevented crews from reaching the location.The crash also sparked a brush fire that CalFire said was 100 percent contained as of Sunday afternoon.RELATED: Three people found dead in plane wreckage that sparked Volcan Mountain fireThe brush fire burned 12 acres in all. Roughly 70 firefighters spend Friday night into Saturday fighting the fire. Friday, officials with the San Diego County Sheriff’s Department said they located the wreckage of a “possible crash site in the area, but couldn’t get to the site due to the fire.The plane’s tail number is linked to another incident in August of 2013, according to a report.RELATED: Crews battling brush fire near Volcan Mountain in Julian area discover plane wreckageDuring the 2013 incident, the twin-engine Beechcraft Duchess experienced a hard landing at Gillespie Field which collapsed a nose gear.  1162

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

RAMONA (KGTV) - Seven acres burned in a brush fire near downtown Ramona Saturday, according to CalFire. At 6 p.m. Cal Fire PIO Issac Sanchez said the fire was 20% contained.The fire burned near Montecito Road and North Ramona Street.Hundreds of neighbors were evacuated from the Ramona Mountain Valley Apartments, where the fire burned right up to their fence. Juliette Farey, a mother and resident at the complex said she was coming back from her son's birthday party and when she saw the smoke, she knew her home was at risk."We were scared for our lives," she said.Farey said the unruly gold bushes on the other side of the fence were out of control, and wished they would be better maintained to keep a fire from happening in the future.Sanchez said the fire started with a pile of debris in the riverbed then spread to nearby grass. Sixty-five fire fighters responded, working to protect neighbors, two planes and a helicopter also jumped into action to help. Farey believes homeless who live in the riverbed started the fire, saying the high rent is to blame. "They probably lit a fire in the river bottom to stay warm," she said.Other residents were terrified, saying they've never experienced a scare like this."There was just this wall of smoke. I grabbed our animals and my daughters," Angelina Rios said police banged on their door urging them to get out and that's when they saw the wall of smoke steps away.Her daughter Destiny Minjares described the fear gripping her and her neighbors, that turned to excitement as a helicopter soared just over their heads dropping water.Destiny said they got splashed and everyone cheered after the successful maneuver, a feeling that quickly faded as they saw the fire was still raging nearby.Firefighters got a handle on the fire around 6 p.m. The evacuations have been lifted. All road closures have been lifted as well. Firefighters are expected to be at the scene for several hours.This is a developing story. 10News will update as details become available.  2101