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People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

People choose to volunteer for a variety of reasons but in San Diego we appreciate your gift of time.  Besides offering the chance to give back to our community or make a difference to the people around you there is a real impact to the county.  Through more than 46 volunteer programs, the County utilized over 34,765 volunteers providing a value to the County over million dollars! Your time and talent contribution truly make a difference.Live Well San Diego’s “Thriving” principle is a key component to quality-of-life for all San Diegans. When the community works together in effective and creative ways, greater results are achieved.  Our region is thriving when we are: Engaging – Connecting – Flourishing. Volunteering is an important aspect of thriving.  San Diego County is dedicated to identifying and supporting volunteer opportunities for targeted populations such as military/veterans, disabled, law enforcement, back-to-work, etc.  ENGAGE:  Residents can make their contributions to their communities and local government by putting their personal values into action and receiving training and work experience by volunteering for the County of San Diego. The best way for residents to find volunteer opportunities with the County of San Diego or one of our Live Well partners is to visit the Clerk of the Board website at www.sandiegocob.com (select County Volunteer Programs). CONNECT:  The easiest way is to connect with what matters to you. There is always some way to give back that’s meaningful to you.   1586

PINAL COUNTY, Ariz. -- Five people have been arrested after Arizona law enforcement agencies teamed up to combat child sexual exploitation and child sex trafficking in Pinal County.Arizona Department of Public Safety announced Wednesday that their detectives led Operation Home Alone 2, a mission targeting sexual predators who attempted to lure underage children with the intent of engaging in sexual activity. 419

PIERCE TOWNSHIP, Ohio -- Getting cited by the police doesn't always have to be a bad thing in Pierce Township. Police Chief Jeff Bachman said his men have added a new type of ticket to their arsenal: A yellow slip recognizing the actions of residents who take time to do the right thing for others."You'll get a call from maybe a disabled motorist, someone with a flat tire, and you pull up and someone is already changing that tire," Bachman said. Those are the people honored by the new golden tickets, each of which comes with a Walmart gift card. Bachman said he hoped the initiative would inject some happiness into his community and help people connect with police in a positive way."We see a lot of negativity on the news, in our job, but why not accent the positive?" he said. "People do good things."Twenty-one-year-old Sadie LaRoque and 20-year-old Matthew Murphy were the latest golden ticket recipients this week."We were sitting in the parking lot of the movie theater after our movie got out, and we saw some teenagers acting suspicious -- leaning up against somebody's car, touching it," LaRoque said.These witnesses turned investigators wanted to do the right thing, so they approached the teenagers and jotted down their license plate information, which went a long way for police. "We have great residents," Officer Philip Gammon said. "If we get a chance to recognize the good things that they're doing, I think we should take the opportunity to do that." 1506

Police have apprehended a suspect in Phoenix after a lengthy pursuit on Tuesday afternoon. According to Phoenix police, the vehicle in the pursuit was part of an armed robbery investigation. At one point during the pursuit, the suspect carjacked a woman in Tolleson, Arizona.Watch chase in video player below.  333