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You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

-- meaning high fire risk -- into Friday afternoon.The Saddleridge Fire started around 9 p.m. ET and jumped the 210 and 5 freeways, and some parts those roads and the 405 were closed as orange embers lit up the night sky. By late Thursday it had gutted 60 acres; but some four hours later, it had grown to more than 4,000 acres, fire officials said.Hector Landeros, who lives in northern Los Angeles' Sylmar neighborhood, said he heard fire trucks and police cruisers speeding through the streets Thursday night as the massive flames got closer."In some areas, the streets have started to empty but at the front lines people are watching, waiting on the sidewalk not really knowing what to do," he told CNN early Friday. "There are a lot of people trying to get into their neighborhoods."Shaun Butch said he saw flames on both sides of the freeway while driving on Interstate 5."Everything was engulfed in smoke and visibility was so low it was hard to drive. Everyone on the Interstate 5 north was stopped and trapped. Still was able to barely get through on the Interstate 5 north."Patsy Zamora said as she drove on the freeway with the fire next to the truck route, she could feel the heat through the windows.In Sylmar, Mojdan Darabi's husband was spraying their house and yard with a garden hose early Friday, 1316

can mean doubling your salary overnight.But a cheating scandal last October rocked this elite world of wine. A member of the board of directors of the Court of Master Sommeliers was caught sharing answers about which wines were served on the tasting portion of the exam. The Court said it couldn't identify which candidates received answers, so 23 newly minted master sommeliers were summarily stripped of their titles. Now, nearly a year later, 448

?? Face with Medical Mask dates back to the original Japanese emoji sets, and was added to Unicode in 2010 https://t.co/Jz1OkuoAC9 https://t.co/zjMj1dgIst pic.twitter.com/fXe9vn1mCD— Emojipedia (@Emojipedia) March 16, 2020 230

but it's not because they were shot. It's a result of other animals being shot and the type of bullets being used.The Raptor Recovery Center at Fontenelle Forest has treated nearly 30 birds for lead poisoning this year, including a 4-year-old bald eagle that died as a result of it."She was in pain, she was vocalizing, and unfortunately she died about two hours after I got her," said Denise Lewis, the director of the Raptor Recovery Center.Staff says the issue is a common problem. "They ingest the lead from the environment, either like from (a) carcass that was shot with lead or from lead sinkers that fish swallow," said Betsy Finch, rehabilitation manager at the Raptor Recovery Center.They are asking that hunters change ammo from lead to other types of bullets like copper. Nebraska hunter Douglas Finch made the change and recommends others to do the same. "The copper bullets they retain 95% or better of their weight which transfers that energy into the animal and, in my experience, I think it results in a cleaner kill," Finch said.For now, the dead bald eagle serves as a reminder of change Lewis hopes to see. "If you're a hunter, you can choose to use something that's non-toxic so that this doesn't happen," he said.This story was originally published by 1276