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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 months, public health experts have said that getting a coronavirus vaccine is crucial to stopping the spread of the virus, reducing hospitalizations and deaths, and bringing a return of normalcy to the world.Among the first to get the vaccine will be first responders. But what if first responders say “no” to getting vaccinated?According to a survey conducted by the Uniformed Firefighters Association, which represents members of the New York Fire Department, a majority of the firefighters surveyed said they would decline a coronavirus vaccine. The survey reached nearly one-fourth of all members of the NYFD.Part of the reason is that firefighters in New York City were hard hit early on during the pandemic. The union said that 35% of its members have been infected by the virus. While those infected do build antibodies to the virus, there are still questions on how long those antibodies last, and how soon can someone be re-infected by the virus.Andy Ansbro who leads the union said it is the choice of firefighters in the city to take the vaccine, but added that the union is advocating its members to take it.“We can’t have this on 24/7 so there is going to be exposure,” Ansbro said in an interview with WCBS-TV about face coverings.Pfizer’s vaccine candidate is slated to go before the FDA on Thursday for emergency use authorization. If authorized, a small number of Americans, mostly consisting of first responders, health care workers or those living or working in assisted living facilities, will be able to get a dose of the vaccine.Pfizer’s vaccine, which the company says is 95% effective at preventing the virus, comes in two doses. A booster dose would be given to patients 28 days after the first shot.Meanwhile, Moderna is slated to seek FDA approval for its coronavirus vaccine candidate. If approved, its vaccine could also begin going to high-risk Americans in the coming weeks.Dr. Anthony Fauci said in an interview last week on CNN that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. 2176

Fentanyl is now the most commonly used drug involved in drug overdoses, according to a new government report. The latest numbers from the US Centers for Disease Control and Prevention's National Center for Health Statistics say that the rate of drug overdoses involving the synthetic opioid skyrocketed by about 113% each year from 2013 through 2016.The number of total drug overdoses jumped 54% each year between 2011 and 2016. In 2016, there were 63,632 drug overdose deaths.According to Wednesday's report, which analyzed death certificates for drug overdose deaths between 2011 and 2016, fentanyl was involved in nearly 29% of all overdose deaths in 2016. In 2011, fentanyl was involved in just 4% of all drug fatalities. At the time, oxycodone was the most commonly involved drug, representing 13% of all fatal drug overdoses.From 2012 to 2015, heroin became the most frequently involved drug in overdose deaths. In 2011, the number of fatal heroin overdoses was 4,571, or 11% of all drug fatalities. In 2016, that number more than tripled to 15,961 deaths, representing a quarter of all drug overdoses that year.The authors of the new study also found that most overdoses involved more than one drug. In 2016, 2 in 5 cocaine-related overdose deaths also involved fentanyl. Nearly one-third of fentanyl-related overdoses also involved heroin. More than 20% of meth-related fatal overdoses also involved heroin. 1423

Former Trump campaign chairman Paul Manafort on Monday gave up his effort to challenge special counsel Robert Mueller in civil court.Manafort has withdrawn his appeal of a judge's decision to throw out his civil lawsuit against Mueller, according to court filings."It is hereby stipulated and agreed by and between the parties that the (case) be voluntarily dismissed," the new filing said.Manafort filed the initial lawsuit in January against Mueller, the Justice Department and Deputy Attorney General Rod Rosenstein,?who appointed Mueller as special counsel. A federal judge?dismissed the case in April, saying that the civil proceedings were "not the appropriate vehicle" for Manafort to try to chip away at Mueller's authority.In her ruling, federal Judge Amy Berman Jackson told Manafort to pursue his grievances against Mueller during his criminal proceedings. Manafort then asked the federal appeals court in Washington, DC, to review her decision.The decision to drop the appeal comes one day before Manafort's criminal trial is scheduled to begin in Virginia federal court. Manafort is accused of financial crimes, including bank fraud and tax evasion, relating to his lobbying work for the government of Ukraine. He has pleaded not guilty to the charges. Jury selection begins Tuesday.The unsuccessful civil lawsuit sought, among other things, to prevent Mueller from bringing additional charges in the future, including potential charges relating to Manafort's work on the Trump campaign. Mueller is investigating Russian interference in the 2016 election, including potential coordination between the Trump campaign and Russia. President Donald Trump and Manafort have both said there was no collusion.Manafort has used similar arguments to challenge his indictments in Virginia and Washington. But federal judges overseeing both cases have upheld Mueller's authority to investigate and prosecute Manafort. One of the judges, T.S. Ellis, said prosecutors rightfully "followed the money paid by pro-Russian officials" to Manafort.Manafort is also charged in federal court in Washington with undisclosed foreign lobbying and money laundering. He pleaded not guilty to these allegations, and the case is scheduled to go to trial in mid-September.The judge overseeing that trial, Berman Jackson, revoked Manafort's bail last month and ordered him to await trial from a jail cell. He is appealing that decision, and that appeal was still active as of Monday afternoon. 2509

Former Vice President Joe Biden paid tribute to the late Sen. John McCain in Phoenix in a speech at his memorial service on Thursday, sharing personal stories about their time together in the Senate and lamenting disorder and division in the chamber that McCain fought to repair."We both loved the Senate," said Biden, who mourned the fading of bipartisanship in the chamber over the years. "We both lamented, watching it change."Biden and McCain used to sit next to each other during long debates in the 1980s and '90s. In 1996, they were each told independently by members of their own parties that their visible friendship didn't look good. 651

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