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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

OTAY MESA, Calif. (KGTV) -- Police are searching for a person of interest after a mother and daughter were shot and killed at an Otay Mesa home Sunday morning.San Diego Police were called to the residence on the 4300 block of Ebersole Drive after receiving reports of shots fired around 8:30 a.m.When police arrived they found a 37-year-old woman in the front yard with a gunshot wound.Police then learned that another woman was injured inside the house. They found a 65-year-old woman, also suffering from gunshot wounds.Both of the women who were shot died from their injuries. Police believe that the person of interest in the case, Justice Love Peace, aka. Jeremiah Horton, took a 6-month-old boy from the home. Shortly after 3 p.m., police said they had safely located the 6-month-old boy, but were still searching for Horton.Horton is considered armed and dangerous.Police believe Horton is the infant's father, the 37-year-old woman is the infant's mother, and the 65-year-old woman is the 37-year-old's mother. Police asked anyone who spots Horton not to approach him and to call 911.The department also posted a photo of Horton along with the vehicle he is believed to be driving.Here is a photo of the person of interest, Justice Love Peace along with a still photo of his possible vehicle https://t.co/LGAQmp0A0W pic.twitter.com/6kn07gcFWQ— San Diego Police Department (@SanDiegoPD) July 12, 2020 1416

PHOENIX (AP) — Paz Lopez was set to spend Mother's Day behind bars. The 42-year-old mother of six had been locked up in a Phoenix jail for the past month on forgery and other charges. She couldn't post her ,050 bail.But on Thursday night she walked out and into a car waiting to give her a ride home, thanks to a drive to bail out moms so they can spend Mother's Day with their kids. In a tearful video made immediately after her release, Lopez said it was a privilege that she would now get to see her children. She welled up when speaking about the coming birth of her first grandchild."There's just no greater feeling than being a mother," Lopez said. "I'm grateful for both of you to help me be able to spend the day with them and be able to see my grandchild be born."Lopez had her bail covered by Living United for Change in Arizona, or LUCHA, a social and racial justice group. The organization said they were inspired to do this for a second year by an initiative known as "Black Mamas Bail Out," which is posting bail for dozens of mothers of color for the third straight year.The effort is organized by the National Bail Out collective, a coalition of various grassroots groups, attorneys and activists nationwide. The campaign hopes to bail out more than 100 women in 35 cities in time for Mother's Day. The objective is not just to reunite families but to push for change in the cash bail system.Critics contend the nation's courts are unfairly punishing poor defendants by setting high bail for low-level crimes that causes them to languish in jail for months, separating them from their jobs and families. In some cases, they remain locked up until their case is dismissed or they take a guilty plea just so they can get out of jail, albeit with a criminal record. There has been a national push to reform bail by advocates who say incarceration should depend on a suspect's risk to public safety, not the ability to pay.Mary Hooks, co-director of Atlanta-based Southerners On New Ground, came up with the idea in 2016. She joined with Law For Black Lives, a female-led network of lawyers and legal advocates, to bring together a collective of organizations. It's been difficult at times to get sympathy, she said, because people often think someone sitting in jail pre-trial must have done something wrong."We're in a political time right now where 'Barbecue Becky' or anyone else can call the police on someone and you can get arrested instantly for barbecuing," Hooks said, referring to the white woman who called police on two black men using a grill in an Oakland, California, park. The men were not arrested. "This notion 'you're in jail because you've done something horrible,' we have to remind ourselves we have a Constitution that says 'innocent until proven guilty.'"Jaymeshia Jordan, of Oakland, said she would have faced another 10 months in jail if she hadn't been rescued by a bailout two days before last Mother's Day by Oakland advocacy group Essie Justice Group. Jordan, who declined to say what she was arrested for, faced a 0,000 bail. She had no way of paying even a fraction of that on her own or with a bail bondsman."I would have just sat in custody till my case was over," Jordan said.She was in jail for three months. In that time, her 5-year-old son lost his first tooth and learned how to tie his shoes.Organizations choose who to assist based on referrals from attorneys and other activists. They don't take into account whether a woman is accused of a violent or non-violent crime. According to the collective's organizers, the mothers they help show up at court at "high rates" but the majority of the money they've handed out for bail hasn't been returned.LUCHA, the Phoenix group, plans to fund as many bail releases as possible with the ,000 they have raised. Organizers Nicole Hale said they will offer mothers additional support including court date reminders and rides."We don't just hand someone a piece of paper and say 'good luck.' They don't have to go through the system alone," Hale said.Several studies suggest that bail amounts are set sometimes as much as three times higher for people of color, said Shima Baughman, a criminal law professor at the University of Utah College of Law. Even a 0 bail for a misdemeanor crime can be beyond what's in a person's bank account.According to a 2018 report from the non-partisan Prison Policy Initiative, roughly 2.9 million women are jailed in the U.S. every year. An estimated 80% are either pregnant or have children.Women of color are even more heavily impacted, especially if they are working mothers who likely earn lower salaries, according to Baughman. A few days in jail can lead to the loss of a job or child custody."When women are the ones that bear most of the burdens in the family, their kids are the ones that are going to suffer," Baughman said. "Because in many families, women are responsible for working outside the home and also for child care, they can face dire circumstances with their children when they are forced to serve even a couple of nights in jail."Jeff Clayton, executive director of the American Bail Coalition, said some of these Mother's Day bailouts are publicity stunts that don't tackle the larger issue of affordability of bail. It's unrealistic for organizers to call for a cash-free bail system, he added."Not to say these people aren't doing good work," Clayton said. "But it's questionable whether saying they're an abolitionist and banning all money bail is really the best solution."In the past few years, several states have made moves to overhaul their own system including New Jersey, Alaska and New Mexico. There are more than 200 bail reform bills nationwide, according to Baughman. In California, voters next year will decide whether to overturn a law eliminating bail altogether for suspects awaiting trial. Instead, counties would set up their own risk-assessment programs through probation departments.However, computer algorithms or risk-assessment programs can be biased as well, Baughman said.Paying for bail has become a growing strategy for local communities to divert the prison pipeline. Last month, rapper T.I. and VH1's "Love and Hip Hop" personality Scrapp Deleon joined with an Atlanta church to help post bail for nonviolent offenders for Easter. They exceeded their goal and raised 0,000. Sixteen men and seven women got to go home. 6422

People in San Francisco make the highest salaries in the world, according to a new report by Deutsche Bank. According to the report, San Francisco beat out Zurich, Switzerland this year. Zurich had a long-standing dominance on the list, but people in San Francisco are paid nearly ,000 per month more than those in the Swiss city. The report shows that San Francisco residents make an average of ,526 per month. In Zurich, the average is ,896. Although that may seem like a lot of cash to have on hand, monthly rent in the California city costs more than ,600, according to the report. 603

Police have identified the six people who died when a pedestrian bridge crumbled Thursday west of downtown Miami, Florida.On Saturday, Miami-Dade County Police Director Juan Perez said he believed the death toll would not increase. "This ends with a tragedy of six. ... We are pretty confident that no one is left," he said.Rescuers worked day and night to extract the victims and mangled cars from 950 tons of steel and concrete.A police motorcade escorted the remains of five victims to the medical examiner's office. A sixth person died at the hospital.The bridge was meant to connect the campus of Florida International University with a neighborhood that's home to 4,000 of its students.Alexa DuranAlexa Duran, a Florida International student, was in a gray Toyota 4Runner that was extracted from underneath the rubble on Saturday afternoon. The 18-year-old was driving under the bridge Thursday when it came crashing down, and a friend traveling with Duran tried unsuccessfully to pull her out."My little girl was trapped in the car and couldn't get out," her father, Orlando Duran, told El Nuevo Herald, a sister newspaper to The Miami Herald.She graduated from Archbishop McCarthy High School in Southwest Ranches, Florida, in 2017, the school said on Facebook.Ecaudorian Foreign Minister Maria Fernanda Espinosa said on Twitter that Duran's father was Ecuadorian and that the country's Consulate is working to learn more about the accident and provide assistance to the family.Alexa Duran's sister, Dina, posted a tribute on Instagram. "Rest In Peace my sweet little sister. Words cannot describe how heavy my heart is. I would give anything to take your place and all of your pain," she said.Brandon BrownfieldBrandon Brownfield was killed in the bridge collapse, his wife, Chelsea Brownfield posted on Facebook Sunday morning.Police later identified Brownfield, 39, as the victim found in a white Ford pickup truck removed Saturday evening.Brownfield was a crane technician for Maxim Crane, but he was not working on the bridge. In a Facebook post, Chelsea Brownfield said they had been married for almost 4 years and have three girls."Please keep us in your prayers, as I now have to find the words and the answers to tell my girls that their Daddy is not coming home," she wrote.Navarro BrownNavarro Brown, 37, was working on-site at the bridge for Structural Technologies VSL, a company that specializes in bridge cable tension and construction systems, the company told CNN affiliate NBC 6.After the bridge collapsed, he was taken to a hospital and died there, police said.Rolando Fraga HernandezRolando Fraga Hernandez was identified as the victim inside a gold Jeep Cherokee that was removed from underneath the debris on Saturday morning, police said.Alberto AriasAlberto Arias, 53, was pulled from the rubble from a white Chevy truck on Saturday, authorities said.Arias's cousin Ismael Segovia told NBC 6 that Arias "went out of his way to help anybody.""He was a business owner and he just took a lot of pride in his work and family," Segovia said.Oswald GonzalezOswald Gonzalez, 57, was also pulled from Arias's truck. NBC 6 reported that he had been a passenger in the vehicle.The-CNN-Wire 3219

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