天津武清区龙济医院医院男性泌尿外科(天津武清龙济医院影院包皮手术怎样) (今日更新中)

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

for officers who have been suspended for pushing a 75-year protester. Instead, they say they resigned because they don't feel they have legal protection from the city of Buffalo.On Friday, all 57 members of the Buffalo Police Department's Emergency Response Team resigned after two of its members, Robert McCabe and Aaron Torgalski, were suspended without pay after bystander video showed officers shoving a 75-year-old man to the ground during a peaceful protest.McCabe and Torgalski have since been charged with second-degree assault. The 57 officers who resigned only left their roles on the Emergency Response Team and are still with the department.Following the mass resignation, the Buffalo Police Benevolent Association (PBA) released a statement asserting it was a "show of support" with the McCabe and Torgalski. But two of those who resigned — who were granted anonymity for this story — say that's not the case."I don't understand why the union said it's a thing of solidarity. I think it sends the wrong message that 'we're backing our own', and that's not the case," one of the officers said."We quit because our union said [they] aren't legally backing us anymore. So, why would we stand on a line for the city with no legal backing if something [were to] happen? Has nothing to do with us supporting," said a second officer.One officer said that it's likely that many did resign as a show of support, but for many others, "that's not true.""The city, (Erie County District Attorney John Flynn), they're not representing those guys at all. They have to find their own lawyers; they have to come out of pocket."PBA president John Evans was not immediately available for comment, but in an email to PBA members provided to Scripps station WKBW, Evans said that the union would not provide legal defense to officers in any charges linked to the ongoing unrest."In light of this, in order to maintain the sound financial structure of the PBA it will be my opinion the PBA NOT to pay for any ERT or SWAT members legal defense related to these protests going forward," Evans' email read. "This Admin in conjunction with DA John Flynn and or JP Kennedy could put a serious dent in the PBA's funds."Officers say they're hesitant to put themselves in the line of duty during protests without proper legal backing."You can't ask people to do something, and then when they do it and it goes bad, then you just say they're on their own," one officer said.To read more on how Buffalo and Erie County elected officials responded to the ERT resignations, click 2562

-- and its wider implications for human mental health treatment -- was found in their poop, per new findings published in Behavioural Brain Research.Rats are better drivers when they're mentally stimulatedKelly Lambert, study author and head of the University of Richmond's Lambert Behavioral Neuroscience Laboratory, trained two groups of young rats: One bunch raised in an "enriched environment" with toys, ladders, balls and pieces of wood designed to spark mental stimulation, and another reared in a standard, unexciting lab cage.The rats learned to enter a custom "rat-operated vehicle," or ROV, adorably constructed from a one-gallon plastic container turned on its side.Once inside, the rat racers would stand on an aluminum plate and press on a copper bar that would trigger the wheels' motor. They'd hold down on the bar until they propelled their tiny car to the end of their enclosure, where they collected their reward: Froot Loops.When it came time to drive, the rats who played with ladders, balls and toys were more adept at operating and steering the ROV, thanks to the neuroplasticity (their brains' ability to change over time) triggered by their environment. Their unstimulated cage counterparts effectively "failed their driving test," Lambert said.Hormones found in their feces showed improved emotional resilienceIn sifting through their fecal matter, Lambert found both groups of rats trained to drive secreted higher levels of corticosterone and DHEA, hormones that control stress responses.Corticosterone is a hormone animals could secrete in high-stakes scenarios like running from a wild animal or defending themselves from predators, but it can also be expressed in lower-risk tasks like doing taxes or worrying about a loved one (though rats likely aren't advanced enough to form a government, let alone impose taxes on fellow rats).DHEA acts as a sort of "buffer," Lambert said, when corticosterone becomes toxic -- that is, when it can't be turned off in a reasonable amount of time, creating prolonged stress.It's evidence that mastering a complex task, like driving a car, bolstered the rats' emotional resilience."It is likely that driving gives the rats a sense of control over their environment," she said. "In humans, we would say that it enhances a sense of agency or self-efficacy."What have rats got to do with human health?The brains of humans and rats share nearly all of the same areas and neurochemicals -- they're just smaller in rodents. And though humans are certainly more complex than rats, Lambert said there are "universal truths" in how both species' brains interact within their environment to maintain optimal mental health.So these results have implications for human health, too (and no, they don't mean rats will drive alongside people in tiny lanes on highways). Emotional resilience is one of the first lines of defense against mental illnesses like depression, she said, and learning what behaviors build that up could clue physicians in on how to treat those illnesses in humans.It's a concept Lambert refers to as "behaviorceuticals," activities that release hormones that can ward off prolonged stress brought on by corticosterone."Anything that reduces stress can build resilience against the onset of mental illness," she said.The activity can be something as simple as knitting, or in rats' case, learning to drive a car. Just engaging hands, paws and brains of varying sizes can enhance a participant's sense of control. 3489

With record numbers of early votes and mail-in votes amid the COVID-19 pandemic, Election Night 2020 should be one unlike any other.Typically, forecasters and analysts have a pretty good idea which presidential candidate will prevail in the electoral college within a few hours of the final polls closing. But it's not uncommon for the outcome of the election to remain in doubt for several days — or even, like in 2000, several weeks.This year, record-breaking numbers of mail-in and early votes make it less likely that the race will be decided on Tuesday evening. But depending on how a few East Coast swing states break, Americans may be able to get a good idea on how the race is shaking out — with the caveat that a handful of states could quickly swing the race the other way.Below is a list of key swing states and when their races are likely to be called.EARLY EVENING: (7 p.m. ET - 9 p.m. ET)Swing states with polls closing in this span: Florida, Georgia, Michigan, North Carolina, Ohio, Texas.At this stage in the evening, America will either know whether they're in for a long night or know if Democratic presidential nominee Joe Biden could be on his way to a landslide victory.Florida has been processing mail-in ballots for days and is typically among the states that report results the quickest. With polls closing at 7 p.m. ET in the eastern part of the state and 8 p.m. ET in the panhandle, it will be an early forerunner for the 2020 race.Recent polling shows Biden holds leads in many swing states throughout the country, but the race appears to be a tossup in Florida. Without the Sunshine State's 29 electoral college votes, President Donald Trump will face yet another roadblock on his already shaky path to victory.On the other hand, if Trump can prevail in Florida and add a win in North Carolina — a state whose votes will also be tabulated quickly — will open up another avenue to 270 electoral votes. Trump narrowly won North Carolina in 2016 and is running competitively in the state again.LATE NIGHT (9 p.m. to midnight)Swing states with polls closing in this span: Wisconsin, Arizona, NevadaAs Tuesday evening ticks on and West Coast polls begin to close, results will likely be trickling in midwestern swing states like Michigan, Ohio, and Wisconsin.Trump stunned pollsters in 2016 when he took Michigan and Wisconsin by less than 100,000 votes combined. The two states typically vote Democrat, and polls showed Hillary Clinton leading heading into Election Day.Trump will likely need a similar overperformance in those states to serve a second term. Recent polls show him trailing behind Biden in Michigan and Wisconsin by about eight points.While some jurisdictions in Michigan may report absentee ballots alongside day-of votes, some mail-in ballots will be tabulated on Wednesday morning. However, The New York Times projects that if Biden holds an early lead in Michigan, he's likely to keep it as more Democrat-leaning mail-in votes arrive.EARLY MORNING (midnight to noon on Wednesday)In the early morning hours of Nov. 4, West Coast polls will have closed, and Trump will be hoping to carry two reliably blood-red states — Arizona and Texas. Trump hopes both will pad his electoral vote count while more ballots trickle in from rust belt states.However, both states appear to be in striking distance for Biden in 2020 — meaning flipping one could put him over the 270 mark before the sun rises on Tuesday.LATER THIS WEEKShould the race remain competitive into Wednesday morning, Americans need to brace themselves for a few days of uncertainty.Many analysts expect Pennsylvania to be the all-important "tipping-point state" — the state with the slimmest margin of victory of any other in the union. But don't expect results from the Keystone State any time soon — the state won't begin processing mail-in ballots until Tuesday evening, meaning analysts may not be able to project a winner until late this week.A second swing state, Nevada, will also likely be counting ballots for a couple of days. The state went to 100% mail-in voting this year amid the COVID-19 pandemic, and while most of the state's ballots will be counted by Wednesday, the state will continue to count votes until Nov. 10 — but only those ballots that are postmarked by Nov. 3. 4298

on Tuesday when an order by the country's Supreme Court went into effect.Though the coronavirus pandemic limited couples to mostly private ceremonies, 153

来源：资阳报