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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

CORONADO, Calif. (KGTV) -- Coronado Lifeguards confirmed a shark sighting on Coronado Beach Tuesday afternoon. According to a message posted on Facebook by police, the 12-foot-long white shark was spotted just off the shore of in the North Beach area just before 2 p.m. Lifeguards posted warning signs shortly after the sighting to let beachgoers know about the sighting. Lifeguards chose not to close the beach because the shark was not seen "engaging with anyone in the water.""The lifeguard was out on a paddle board about 100 yards from the shoreline, just past the surf in 6 to 8 feet of water, just before 2 p.m. when he saw the shark appear next to him. It was larger than his 11-foot paddle board," the department said. Watch Sky10 video over Coronado Beach after the sighting:“Under the agreed upon protocol, the City is not required to close the beach or publicly report the sightings,” said City Manager Blair King. “However, in this instance, the City feels it’s important for the community to know about this sighting and that lifeguards are carefully monitoring the waters.”Signs will remain in place for 24 hours, but could be extended if more sightings occur, King added. Lifeguard tryouts that were scheduled for May 27 have also been suspended due to the incident. 1291

CORONADO (KGTV) - Coronado is kicking off the holiday season in style, with fun for the whole family.At the Hotel Del, there's an ice rink, cozy places to sit by the fire, food, and of course a huge Christmas Tree in the middle of the lobby.On November 28th, there will be professional skaters and fireworks.Across the island Coronado Tree Farm is hoping to create a new tradition. Steve Albert and his wife, Shanel, also known as "The Flower Lady" created the tree farm as the first purveyor of Christmas trees. There are crafts and games for kids, photo ops and Santa will be there from 5 -7pm November 25th. 623

Comments by Mike Milbury, an NHL broadcaster for NBC Sports, were condemned by the NHL on Friday. The league called the remarks “insensitive and insulting.”Late in Thursday’s playoff game between the Islanders and Capitals, Milbury commented, “Not even any woman here to disrupt your concentration.”Milbury was referencing a bubble setup in Toronto for Eastern Conference teams that qualified for the postseason. Outside of players and coaches, only a handful of team and league officials are allowed inside the bubble. Families were among those excluded from the bubble, which is why some players, most notably Bruins goalie Tukka Rask, decided to opt not to remain in the bubble.A similar bubble was made in Edmonton for Western Conference playoff teams.Milbury was originally slated to be on the broadcast for Friday's playoff game between Montreal and Philadelphia. He is no longer listed as part of the broadcast team.The NHL issued the following statement on Friday:"The National Hockey League condemns the insensitive and insulting comment that Mike Milbury made during last night's broadcast and we have communicated our feelings to NBC. The comment did not reflect the NHL's values and commitment to making our game more inclusive and welcoming to all."Milbury played 12 seasons with the Boston Bruins following by coaching stints with the Bruins and Islanders. 1378

CLAIREMONT, Calif. (KGTV) -- A warning for the next time you drop a piece of mail in a postal collection box: a local thief may be getting creative to grab your mail.Around 7 pm Monday, along Mt. Everest Blvd, Dennis Fipps walked a few blocks from his home and dropped off a driver's license renewal in the blue box.The next morning, Fipps says a neighbor showed up at this door with his empty envelope.   In all, he believes that neighbor found torn mail strewn in the gutter for 8 to 10 neighbors. "I thought 'Omigosh! The check,'" said Fipps.     The check was made out to the DMV for . In the past several years, 10news has reported on stolen checks being washed: a chemical solution dissolving away the ink, allowing a thief to fill in the blanks.     Fipps called his bank and stopped the check, then headed to the post office. "Their response was that the box had been fished," said Fipps.     In that fishy tactic, the fishing line is often a simple string, connected to a rodent glue trap, allowing the thief to grab onto envelopes and pull them out of the collection box.    "It's dastardly.  I'll say that much," said Fipps. Postal officials say 'fishing' is not common, but it does happen in the area. A spokesperson tells 10news almost all the local boxes have anti-fishing security measures, and they will now be looking at this collection box to see what went wrong. "There's an expectation of security and that has kind of been shattered," said Fipps. 1558