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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

Ten people were killed in a series of wildfires thisweek in California, Oregon and Washington, the Associated Press reported. Another 16 people in Butte are listed as missing.The fires in Northern and Central California are so prevalent that the smoke and debris turned the sky over San Francisco bright orange on Wednesday evening.The New York Times reports that two people were found dead in a vehicle in connection with a wildfire just east of Salem, Oregon. Sheriff Joe Kast of Marion County, Oregon, told The Times that he feared officials could discover more bodies as rescue efforts continue. A third fatality in the stat was recorded about four hours south of Salem in the town of Ashland.Officials told The Times that the fatality in Washington was a 1-year-old boy who was killed by the Cold Springs Fire, which is currently burning in the northeast part of the state.According to USA Today, there are wildfires currently burning in 13 Western states. There are currently reports of 90 major wildfires burning 5,300 square miles in the western U.S. — a size equivalent to the state of Connecticut. 1116

Tens of thousands of children around the country will be getting a holiday puppy this year, but others will end up empty-handed and disappointed, ripped off by a puppy scam that has only gotten worse during the pandemic.So before you start looking for one, we have the warning signs a cute pup you find for sale is really a scam to steal your heart and your money.Penny Lloyd wanted to buy her kids a Yorkshire Terrier puppy -- a Yorkie -- for their home this Christmas."It was going to be a Christmas gift," she said.She found an ad on Facebook offering discount puppies."I saw this advertisement on Facebook, and I opened up the app and it said 'Yorkies for sale, half price, originally ,400 on sale for 0.'"It was a great price; so, she messaged the seller."I did, but I never got any response," Lloyd said.It's probably a good thing she never heard back, according to the Better Business Bureau, which says there is a good chance it was a scammer who would have asked for a deposit.That is what happened to Jo Standridge last year. She wired 0 via Western Union to a website -- now gone -- called Best Mini Shnauzers.com.That was the end of the seller, and of her puppy dreams."I tried to text him numerous times after that," she said. "Called him, couldn't get through. That was the end of the communications. Nothing."Puppy scam worsens during pandemicThe puppy scam has been around for more than five years, but the BBB says this year it's getting worse because so many people want either a "pandemic puppy" or a holiday puppy.Sara Kemerer of the Better Business Bureau said real puppy photos get reposted at counterfeit websites."It's very easy for scammers to steal a video or picture of a pet from the internet to make the pet seem real," she said.But the pups are always out of town, and the seller will ask hundreds of dollars for shipping and insurance.Once you wire them the money, they and their ad disappear.How to protect yourselfSo what can you do? Kemerer says ask for video of the seller with the pup. Ask them to hold it up in front of their phone."You can ask the breeder to do a video call using FaceTime, Zoom, or Skype to see if that pet is actually real," she said.Chances are Penny Lloyd's Yorkie seller would have refused, because he never had any puppies.Warning signs include:The dog is out of town, and you cannot see it in personThe breeder needs to ship it to youThe breeder needs money for shipping and insuranceThe seller will not take a credit card (where a fraudulent charge can be disputed)The seller cannot do a Zoom or Facetime video with you where he is holding the puppy (because he has no puppy)The best way to avoid a puppy scam is to shop local and avoid any puppy that has to be shipped to you.Or better yet, adopt an unwanted dog so you don't waste your money.__________________________Don't Waste Your Money" is \a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 3133

Starting a new school year can raise challenges. Missing school days can put a child at risk academically. Chronic absenteeism – can translate into inability to master reading, failing subjects or even dropping out of high school.  The reasons may be complex but don’t worry because help is available! Why does attendance matter? 347

SULLIVAN COUNTY, Tenn. -- A Tennessee mother has been charged with the murder of her 15-month-old daughter, whose remains were found on a family member's property in March.The murder charge is part of a 19-count indictment returned by a Sullivan County grand jury against Megan Boswell in the killing of her daughter, Evelyn Boswell. 341