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Prosecutors will seek to put Nikolas Cruz to death for carrying out last month's massacre at a Parkland, Florida, high school, they announced in court filings Tuesday.A Broward County grand jury last week indicted the 19-year-old gunman on 17 counts of premeditated murder in the first degree and 17 counts of attempted murder in the first degree.In its filing, the prosecution said that, among the aggravating factors spurring its decision, were that Cruz knowingly created a risk of death for many people, his crime was aimed at hindering "any government function or the enforcement of laws" and that the shooting was "especially heinous, atrocious or cruel."Read the notice of intent for yourselfAnother factor: "The capital felony was a homicide and was committed in a cold, calculated and premeditated manner without any pretense of moral or legal justification."Cruz, through his attorneys, had previously expressed a willingness to plead guilty to avoid the death penalty.Prosecutors, in Tuesday's filing, also ask the court to put several provisions in place in the event that Cruz's defense intends to introduce documentation or testimony regarding their client's mental health.This could certainly come into play as Cruz's defense team has said he battled with mental illness and depression after his adoptive mother died.From 'broken child' to mass killerDuring a previous hearing, a public defender described him as a "deeply disturbed, emotionally broken" young man who is coming to grips with the pain he has caused. Classmates and others who knew him also described signs of mental illness, with some telling media outlets they outright predicted he might one day be a school shooter.Cruz was arrested shortly after committing the Valentine's Day killings and fleeing the Marjory Stoneman Douglas High School campus among terrified students. Seventeen students and teachers died in the shooting.The teen confessed to being the gunman, according to a probable cause affidavit released shortly after his arrest.Tuesday's news comes one day before the one-month anniversary of the mass shooting at Marjory Stoneman Douglas. On Wednesday, students across the nation intend to walk out of schools in solidarity with the Parkland students and to demand tougher gun control laws.The-CNN-Wire 2307

President-elect Joe Biden’s proposal to forgive ,000 of federal student debt as COVID relief could erase loan balances for 15 million borrowers and reduce balances for millions more, according to federal data.Broad student loan forgiveness could affect 45.3 million borrowers with federal student loan debt who owe a total of .54 trillion to the government. Wiping out ,000 each — as Biden calls for — would result in up to 9 billion canceled.Seth Frotman, executive director of the Student Borrower Protection Center, says removing the student loans “albatross around their financial lives” could mean the difference for consumers who aspire to buy a house, save for retirement or start a business.“Student loan borrowers across the spectrum — old, young, urban, rural, high-balance, low-balance, Black, white — are hurting with their student loans, and that was before COVID even hit,” Frotman says.For now, Biden’s proposal is just an amount, with no details to answer questions about which loans might be canceled, whether forgiven amounts would be taxed and if borrowers would have defaulted loans removed from their credit history. It also faces huge hurdles politically.But here’s how ,000 in forgiveness could affect some categories of borrowers.For 15 million borrowers, a slate wiped cleanMore than a third of federal borrowers could see their balances fall to zero with ,000 in debt cancelation. Among those, 7.9 million owe less than ,000 in student loans and 7.4 million owe between ,000 and ,000, according to federal data.These are also the borrowers most likely to default on their loans. Over half of those who default (52%) have less than ,000 of federal undergraduate debt, according to an analysis of federal data by The Institute for College Access and Success, or TICAS.That’s because those with lower debt amounts often have not completed their schooling, so they don’t reap the benefits of a degree that leads to a better paying job. Among those who default, 49% did not complete their program of study, TICAS found.Default has severe consequences: It can sabotage credit scores and trigger collection efforts that can include seizure of tax refunds and Social Security payments.Many of these borrowers are current on their payments. For them, forgiveness could help, but it might not be much of a boon to the overall economy, says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors.“If you owe ,000 and your payment is 0 — and that’s a lot of money to a lot of people — but you all of a sudden don’t have to pay 0 a month, I don’t see that 0 being put toward something that will stimulate the economy,” Mayotte says.For 19 million borrowers, some breathing roomThe typical student leaves school with around ,000 in debt, according to TICAS, an amount that can grow quickly with interest if students pause payments or go on repayment plans that allow them to make lower payments.Nearly 19 million borrowers owe between ,000 and ,000 in federal student loans, according to federal data. Without detailed execution plans from the Biden team, it’s trickier to say how these borrowers would be affected.For example, cancellation might not reduce the amount they pay each month, but it could draw their end date closer and lower the total amount they’d pay overall, due to interest. Or it might wipe out one loan completely but leave payments on others intact.For 11 million borrowers, a drop in the bucketHigher income households, as a whole, are the ones that hold the most debt.The high debt/high earner correlation makes sense because those who make more money tend to have more advanced education, according to findings from Georgetown University Center for Education and the Workforce. To get those advanced degrees, students rack up debt in the process.More than 8 million people owe the government between ,000 and 0,000 in student loans. An additional 3.2 million borrowers owe more than 0,000 on their federal loans, data show.A borrower repaying 0,000 on the standard federal 10-year plan at 5% interest would pay off the loans 15 months early if ,000 were forgiven.Forgiveness is still a big maybeThere’s also the question of how loan forgiveness could move forward: Will it be through Congress or executive action or not at all?“If anything can be done by executive action, [forgiveness] could happen very quickly,” says Robert Kelchen, associate professor of higher education at Seton Hall University. “I’m just not sure whether forgiving debt would withstand legal scrutiny.”Experts say any executive action could face lawsuits or be subject to judicial review, which would leave the fate of an order for forgiveness in the hands of the Supreme Court.“There are a lot of conservative judges, so I can imagine that many of them could be hostile to the policy,” says Wesley Whistle, senior advisor for policy and strategy, higher education at the public policy think tank New America.Mayotte said she is doubtful borrowers will see straight forgiveness since the reach of this type of pandemic relief wouldn’t be as broad as, say, providing supplemental unemployment or propping up small businesses.Forgiveness won’t happen before payments restartBiden proposed his forgiveness measure as part of COVID-related relief, but experts say there’s an even more pressing student loan concern that will come to a head before Biden starts his term — the end of the payment pause for student loan borrowers, which is set to sunset after Dec. 31.Doug Webber, associate professor of economics at Temple University, says he’s worried about the pitfalls of going “zero to 60” in one day with reinstating loan payments for a population that isn’t ready.“Once you give people a benefit, it’s always harder to take it back,” Webber says.The payment pause, known as a forbearance, has been in effect since March as part of the first coronavirus relief bill. President Donald Trump extended the relief through the end of the year, but neither the outgoing or incoming administration has committed to extending it again.While borrowers await the fate of forgiveness, they should contact their servicer to get enrolled in an income-driven repayment plan if they won’t be able to afford their payments. These plans set payments at a portion of their income and can be as low as zero if they’re unemployed.NerdWallet writer Ryan Lane contributed additional reporting to this story.More From NerdWallet10+ Student Loan Forgiveness Programs That Discharge LoansFederal Loans Are Paused Until 2021 — Should You Pay Anyway?Income-Driven Repayment: Is It Right for You?Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6765

Puerto Rico’s elections commission says it has discovered more than 100 briefcases containing uncounted ballots a week after the U.S. territory held its general election, drawing criticism and scorn from voters who now question the validity of the outcomes of certain races. Francisco Rosado, the commission’s new president, said Tuesday that the briefcases were found in a secured vault and blamed the situation on what he said was an underfunded and understaffed administrative board responsible for counting a record number of absentee and early votes. 563

Republican Sen. Cindy Hyde-Smith was expected to coast to victory in a Mississippi runoff that would conclude the last Senate race of 2018's midterm elections.Instead, Hyde-Smith has spent the days leading up to Tuesday's election mired in controversy that evoked the state's dark history of racism and slavery.It began when video emerged online of her telling supporters earlier this month that she'd be "on the front row" if one of her supporters there "invited me to a public hanging." She later called the comments an "exaggerated expression of regard," but her use of the phrase "public hanging" brought memories of Mississippi's history of lynchings to the forefront and put the contest under the national microscope.On Tuesday, Mississippi voters will decide between Hyde-Smith and Democrat Mike Espy, who, if elected, would be the state's first black senator since Reconstruction.The result will finalize the balance of power in the US Senate. As it stands, Republicans will hold 52 seats next year, and Democrats will have 47. A win for the GOP in Mississippi would further pad the party's majority in the Senate, even as Democrats have taken a solid majority in the House.The state is polarized along racial lines, with most white voters backing Republicans and nearly all black voters supporting Democrats.Democrats hope Hyde-Smith's comments will lead to a surge in black turnout and propel them to victory. However, even if black voters, who make up nearly 40% of the state's electorate, come out in full force, Espy would still have to outperform his party's history with whites to have a chance of winning.And Democrats have to overcome partisan trends in the deeply red state. Earlier this month, when multiple candidates in both parties were on the ballot, Hyde-Smith and conservative Chris McDaniel combined for 58% of the vote, while Espy and Democrat Tobey Bartee got 42%.On the eve of the election, President Donald Trump held two rallies for Hyde-Smith in an attempt to turn out the Republican base.He told the crowd in Tupelo to "get out" and vote in Tuesday's runoff."I think it'll be a very big day for Cindy, but don't take any chances," he said. "That's happened many times before. That never works out well. Just assume you have to vote."Even though Republicans will control the Senate regardless of the outcome, the President suggested that a Democratic win in Mississippi would "revoke" the party's victories."We cannot allow Nancy Pelosi and Chuck Schumer to revoke that victory by winning the state of Mississippi," he said.At a roundtable in Gulfport, Trump called Hyde-Smith's comments about a public hanging "sad and a little flip.""When I spoke to her -- she called me -- she said, 'I said something that I meant exactly very different,' and I heard an apology loud and clear," Trump said."I know where her heart is, and her heart is good. That's not what she was meaning when she said that," he said. 2955

President Donald Trump signed two pieces of legislation into law on Wednesday that aim to inform consumers about drug prices.Both measures, the Know the Lowest Price Act and the Patient Right to Know Drug Prices Act, aim to end the drug industry's so-called gag orders of pharmacists, which prevent them from discussing cheaper price options with consumers. These price options include discussing whether a medication may be less expensive if using insurance or paying out-of-pocket.At Wednesday's signing, the President called the gag clauses "unjust" and said the legislation would lower drug prices that are "way out of whack" and "way too high.""It's called the law of supply and demand. They didn't want to have that. But now we have that and it's going to lower drug prices," Trump added.Both the President and Health and Human Services Secretary Alex Azar said at the signing that they expect further regulatory action on reducing drug prices in the coming months.Some states and municipalities have pharmacy gag order bans, but the Patient Right to Know Drug Prices Act, sponsored by Maine Republican Sen. Susan Collins, addresses banning the practice of gag orders on a federal level. The Know the Lowest Price Act, sponsored by Michigan Democratic Sen. Debbie Stabenow, prohibits Medicare drug plans from putting a gag clause on a pharmacy in their contracts.Collins and Stabenow were present at Wednesday's signing, as well as Tennessee Republican Sen. Lamar Alexander, Louisiana Republican Sen. Bill Cassidy, Deputy Attorney General Rod Rosenstein and National Economic Council Director Larry Kudlow.Some pharmaceutical industry experts say that although eliminating the gag clause is step toward consumer transparency, it doesn't address the issue of lowering actual drug costs, making it unclear how much of a tangible effect the legislation will have.The President has frequently expressed his frustration over rising drug prices, and in May, he laid?out his vision for increasing competition, reducing regulations and changing the incentives for all players in the pharmaceutical industry.The administration released a 44-page blueprint of the plan, entitled American Patients First, aiming to increase competition and improve the negotiation of drug prices, as well as reduce consumers' out-of-pocket spending on medicines and create incentives to lower list prices.Ending the pharmacy gag orders was included the plan, as well as speeding up the approval of over-the-counter medications and asking the Food and Drug Administration to require manufacturers to include prices in their TV ads.A gag order on a pharmacy is frequently brought on by clauses in contracts with pharmaceutical benefit managers, which manage most of our nation's prescription drug programs. The benefit managers negotiate prices with drug companies on behalf of insurance companies and other payers and then share those prices to retail pharmacies. They also negotiate rebates from manufacturers and discounts from drugstores. If pharmacists violate the gag rule, they risk losing their contract with the pharmaceutical benefit manager.Daniel Nam, executive director of federal programs at America's Health Insurance Plans, told Kaiser Health News that gag orders on pharmacies are becoming less frequent because these clauses are "not something they are incorporating into their contracts."Mark Merritt, president and CEO of a lobbying group for pharmaceutical benefit managers, the Pharmaceutical Care Management Association, told the publication that these clauses are "very much an outlier." 3635