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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

Stocks fell sharply Monday, dragged down by reports of trouble at Apple and Facebook.The Dow closed down 396 points and the Nasdaq tumbled 3%.Facebook stock fell nearly 6% as the company continues to deal with the fallout from a New York Times article that detailed Facebook's reaction to political scrutiny and its Cambridge Analytica scandal. CEO Mark Zuckerberg has reportedly adopted a more aggressive, "war"-like style, according to the Wall Street Journal.Alphabet was also down 4%. It is now down 20% from its peak in July, placing it in bear market territory.Early in the day, stocks fell on news that Apple's newest line of phones may not be selling as well as Apple or its investors had hoped.Apple's stock fell once more after the Wall Street Journal reported that Apple has cut orders for its iPhone XR, iPhone XS and iPhone XS Max.The new iPhones, which Apple unveiled in September, cost more than previous versions. The 9 iPhone XR is the least expensive new iPhone, but it costs more than last year's cheapest model, the iPhone 8.The iPhone XS Max can cost up to ,449. The higher prices -- without many more features -- could be driving customers to keep their current phones longer or buy last year's models.Apple declined to comment about the Journal story or broader concerns about iPhone demand.Shares of Apple fell 5% and have now plunged about 20% from the all-time high it hit a few months ago, when Apple (AAPL) was worth more than trillion.The stock ended a 5-day losing skid on Friday after an analyst at Morgan Stanley suggested that the supplier concerns are overdone.Apple, which is a member of the Dow, was hurting the blue chips too.Several makers of chips and other components used in iPhones have warned of soft sales and profit in recent weeks, citing sluggish demand for higher-end smartphones.To that end, shares of Apple suppliers, such as Qorvo (QRVO), Broadcom (AVGO), Cirrus Logic (CRUS) and even Apple's key Anrdoid phone rival Samsung were all lower Monday too. Samsung also makes chips for iPhones.Investors have other reasons to be concerned about the future of Apple -— as well as other big tech companies for that matter.Apple CEO Tim Cook said on the "Axios on HBO" show Sunday that he expects Washington to crack down on tech firms in the wake of high-profile privacy scandals, such as the Cambridge Analytica problems that have plagued Facebook (FB)."I am not a big fan of regulation," Cook said to Axios on HBO. "I'm a big believer in the free market. But we have to admit when the free market is not working. And it hasn't worked here. I think it's inevitable that there will be some level of regulation."HBO, like CNN, is part of WarnerMedia, which is owned by AT&T (T). 2745

Starbucks is temporarily suspending its "Happy Hour" due to rising cases of COVID-19.In an email to E.W. Scripps, the coffee company said the reason behind pausing it was to help cut down on customers in its stores."Given the rise in cases and the current guidance from the scientific community to not gather indoors in large groups for prolonged periods of time, we decided to pause Happy Hours in December and January 7," a spokesperson for Starbucks said in a statement emailed to E.W. Scripps.The buy-one-get-one drink deal typically happens on Thursdays from 2-7 p.m.The spokesperson said Starbucks will implement more Double Star Days for its loyalty program members while "Happy Hour" is currently on pause and "will reassess future plans as we continue to monitor the situation."In a letter to partners in the United States, Starbucks Executive Vice President, President of U.S. company-operated business and Canada said the company will prioritize the safety of its customers."In this moment, we all have a role and responsibility – as Starbucks partners – to protect each other, our customers, and our business as we navigate this pandemic.” 1159

The body of Saudi journalist Jamal Khashoggi was dismembered after he was strangled upon entering the Saudi consulate in Istanbul early this month, the chief prosecutor's office in Istanbul said Wednesday.This was carried out as part of a premeditated plan, according to a statement by the chief prosecutor's office.The statement is the clearest yet from the Turkish authorities about the fate of the Washington Post journalist, whose remains have not yet been found."The victim's body was dismembered and destroyed following his death by suffocation," the statement said."In accordance with plans made in advance, the victim Jamal Khashoggi, was choked to death immediately after entering the Consulate General of Saudi Arabia in Istanbul on October 2, 2018."Turkish President Recep Tayyip Erdogan on Friday demanded that Saudi Arabia reveal the location of Khashoggi's body and hand over 18 suspects. 910

Students and staffs of schools across the United States walked out of buildings and protested at statehouses in support of victims of gun violence, and seeking legislation aimed at making public spaces safer.The National School Walkout was organized by the Women's March youth branch, called EMPOWER. Walkouts occurred at schools at 10 a.m. Wednesday, March 14 in every time zone.Walkouts took place one month after a mass shooting at Marjory Stoneman Douglas High School in Parkland, Florida that claimed 17 lives. The shooting has further spurred a national conversation on gun control and school safety.See photos of school walkouts across the U.S. 679