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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

CINCINNATI -- U.S. Customs and Border Protection officers intercepted a shipment containing nearly 6 pounds of liquid heroin packaged in shampoo bottles earlier this month.The package was listed as "massage oil," authorities said in a news release. It was shipped from Morelos, Mexico and was being sent to a home in the Bronx, New York when officers intercepted it at a cargo facility in Cincinnati on Oct. 11.The same day, officers also found four shipments of cocaine, each more than 4 pounds, being shipped from various Central American countries to people in West Virginia, Pennsylvania and New York, Customs and Border Protection said in a news release."These types of seizures exemplify our officers' dedication to the CBP mission of intercepting dangerous and illegal narcotics," Joshua Shorr, the Cincinnati port director, said. "I commend our officers and specialists for the work they do every day to make our communities safer." 948

COLORADO SPRINGS, Colo. — The back and forth between President Donald Trump and North Korea's president Kim Jung Un is constant. But what if North Korea acted on its threat of sending a nuclear missile to American shores? An Air Force base in Colorado Springs would play a critical role in the event of such an attack.If the unthinkable happens, soldiers in a secure room on Schriever Air Force Base in Colorado Springs will fight back. From a fortified facility, they have the power to launch what's known as a kill vehicle. Propelled into space by a rocket, the kill vehicle can destroy a warhead above the earth.The mission would be administered by members of the 100th Missile Defense Brigade."The threat we're dealing with is very real," said Colonel Kevin Kick, who is the commander of the 300-person team. "We say we are the 300 defending the 300 million."From their hub in Colorado, the interceptors can be launched from bases in Alaska and California, obliterating a nuclear warhead in a matter of minutes.The U.S. military allowed Denver7 television station, owned by the E.W. Scripps Company, to capture an exercise of a simulated attack on Los Angeles. Security is so sensitive, we can't tell you the participant's names.Soldiers say they train constantly so they are prepared in the event of an attack. “We train continuously — every shift, multiple times," said one unnamed solider.During our visit, the computer monitors were blacked out and had post-it notes covering the information— part of the efforts to prevent a breach."It's a very humbling experience to know that we are responsible for the defense of the homeland for the entire United States," said Lt. Alberto Squatrito .These soldiers are the best of the best— a blend of active military and National Guard, who work side-by-side after passing some of the toughest tests in the military."Unlike most school houses in our Army, you have to have an ‘A’ average just to pass the course," said Kick.And that makes sense, considering they're at the controls that can determine life and death or prevent a nuclear annihilation."Do you ever get a lump in your throat, knowing the seriousness and importance of what you do here?" asked Denver7’s Marc Stewart."Yes, I do get a sense of pride. I do get a lump in my throat. We're here to keep America safe," said the soldier.But not everyone is convinced this system will work. Some Pentagon testing has shown failures, with only about half of the tests being successful.Yet the technology is constantly being upgraded and revised. The soldiers tell Denver7 they stand behind it, saying they sleep at night feeling safe. 2675

COVID-19 has killed more than 50,000 people in nursing homes and long-term care facilities. That is at least 40% of all U.S. coronavirus deaths.The White House put in new measures recently to better protect residents.“The numbers are continuing to rise. We're just beginning to get some of the numbers out of some of the states and so this is a real outrage,” said Bill Sweeney, Senior Vice President of Government Affairs at AARP. “It didn't have to be this way, and this is a national disgrace.”AARP says required virus case data from facilities is happening too late. They're about a week behind and testing isn't consistent.Some facilities are still having issues with PPE, including training staff to wear it properly.Both Republicans and Democrats want to give more help to nursing homes in the next relief bill.AARP is concerned about the lack of inspections and oversight. It worries some facilities will get immunity from lawsuits.“Without inspections, without the ombudsman being able to go in and find out what’s going on in the facilities, without family visits being allowed, there's been no accountability at all and if they give immunity to these nursing homes, there won’t ever be accountability,” said Sweeney. “There will never be justice for families whose loved ones were treated poorly.”Before the pandemic, AARP says eight out of ten nursing homes were cited for infection control problems.Meanwhile, AARP encourages family members to call their representative in Congress if they are worried about their loved one and are not getting answers. 1573

CLEVELAND, Ohio -- After Ohio Gov. Mike DeWine tested positive for COVID-19 earlier on Thursday, he announced on Twitter later on Thursday that he, his wife Fran, and his staff all tested negative. DeWine took a rapid test for COVID-19 as part of the standard protocol to greet President Donald Trump on the tarmac at Burke Lakefront Airport in Cleveland. DeWine’s office said the governor had no symptoms at the time. On Thursday afternoon in a news conference from his house, DeWine said that other than a headache, he was feeling fine. As part of the standard protocol to greet President Trump on the tarmac in Cleveland, I took a COVID test. I tested positive. I have no symptoms at this time. I’m following protocol and will quarantine at home for the next 14 days.— Mike DeWine (@MikeDeWine) August 6, 2020 Upon returning home, DeWine's staff tweeted he took a "PCR" test, which is considered more accurate for the virus. The test administered by the White House, DeWine's staff says, "represent a new technology to reduce the cost and improve the turnaround time for COVID-19 testing, but they are quite new.""The PCR test is known to be extremely sensitive, as well as specific, for the virus," DeWine's staff added. "The PCR tests for the Governor, First Lady, and staff were run twice. They came back negative the first time and came back negative when they were run on a second diagnostic platform."We feel confident in the results from Wexner Medical Center. This is the same PCR test that has been used over 1.6 million times in Ohio by hospitals and labs all over the state."DeWine's staff said he plans to take a follow-up test on Saturday to confirm he is negative for the virus.Lt. Gov. Jon Husted also took the COVID-19 test Thursday as part of the protocol to greet the president. He has tested negative, according to his office.This story was originally published by Kaylyn Hlavaty at WEWS. 1918

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