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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

Studies have shown that the coronavirus is more likely to spread between people indoors. With the weather beginning to turn, it's going to be more difficult to dine and congregate outdoors — and with many heading inside, Dr. Anthony Fauci, the nation's top infectious disease expert, warns that Americans need to be more vigilant than ever against the spread COVID-19.During an appearance at a Harvard Medical Panel on Thursday, Fauci warned that Americans will need to "hunker down" during what will be a "difficult" fall and winter if the country wants to avoid another spike in COVID-19 cases."I just think we need to hunker down and get through this fall and winter," Fauci said. "Because it's not going to be easy. We know every time we restrict, we lift restrictions we get a blip. I mean, it's getting whack-a-mole."Fauci added that he's not looking forward to the coming months, adding that it's "quite frankly depressing." But he said that it's essential for Americans to keep their guards up."Don't ever, ever underestimate the potential of the pandemic. And don't try and look at the rosy side of things," Fauci said.During Thursday's panel, Fauci and the event's host, Dr. Sanjay Gupta, described five steps Americans could take over next month and half that would significantly reduce the spread of COVID-19.Wear a maskKeep social distanceAvoid large gatheringsConsistent handwashingA shutdown of bars and similar businesses — while allowing outdoor seating"As long as you have any member of society and demographic group that's not trying to get to the end game of suppressing this, it will continue to smolder and smolder and smolder."Despite the concerns about a winter spike, Fauci says he doesn't believe that the U.S. will need to go into another shutdown, adding that the country would need to pull together to keep transmission levels down."I am cautiously optimistic. I do have an abiding faith in the American spirit," Fauci said. 1961

TAYLOR, Mich. (AP) — When it comes to the middle finger, police might need a thicker skin.A federal appeals court says a Michigan woman's constitutional rights were violated when she was handed a speeding ticket after giving the finger to a suburban Detroit officer in 2017. The decision means a lawsuit by Debra Cruise-Gulyas can proceed.In a 3-0 decision Wednesday, the court said Taylor Officer Matthew Minard "should have known better," even if the driver was rude.Minard stopped Cruise-Gulyas and wrote her a ticket for a lesser violation. But when that stop was over, Cruise-Gulyas raised her middle finger.Minard pulled her over again and changed the ticket to a more serious speeding offense.Cruise-Gulyas sued, saying her free-speech rights and her rights against unreasonable seizure were violated. 816

The 2016 election was psychologically traumatic for some, according to a new study published in the Journal of American College Health. It found that 1 out of 4 students surveyed experienced clinically significant event-related distress short term.Researchers from San Francisco State University, University of California, San Francisco and Arizona State University assessed a diverse group of nearly 800 undergraduates at Arizona State two to three months after the election.A key battleground, Arizona got a lot of political attention. Ultimately, Trump won Arizona by a narrow margin, earning 48.7% of the vote.The survey students filled out asked questions to determine the emotional effect of the event the election. It asked about the impact the election had on close relationships and assessed clinical symptoms of distress and subclinical impacts, meaning emotions that don't present definitive, more readily observable symptoms.Symptoms included "avoidance," a clinical term used to describe how someone deliberately stays away from whatever is causing them trauma, and "intrusion," a clinical term meaning the inability to keep memories of the source of their trauma from returning. The researchers also looked to see if demographics made a difference.Most of those surveyed, 65%, said the election had no impact on their close relationships. About 24% reported a slight or very negative impact and a little more than 10% reported a positive impact.If the election did have a negative emotional impact, avoidance was more common than intrusion among these students. One-fourth of participants showed clinically significant avoidance and intrusion symptoms in response to the election. Women, Democrats, people who did not identify as Christian and sexual minorities reported significantly more event-related distress, the study found.The students surveyed came from diverse backgrounds and held a mix of political opinions. Of the group, 18.5% reported that they were satisfied with the result of the election, 25% said they were somewhat satisfied, 19.2% said they were somewhat dissatisfied, and 37.2% said they were completely dissatisfied. Thirty-nine percent also reported that they were "considerably or extremely" upset by the election, 28.5% were not at all upset, the rest fell somewhere between.The study had limitations. The survey did not look at conditions long term. It couldn't rule out other stressors. It only looked at this one election and did not evaluate how students reacted in other years.Other studies looking at the 2016 election have found similar results. A study released in June that surveyed nearly 300 students two days before the 2016 election, on election night, and two days after, found that students who were concerned about Trump's ability to govern and those who were a part of the "non-dominant social group," including women and people of color, showed increased signs of stress before and during election night. Biological tests showed some signs of increased stress after the election, although there was a general recovery in mood, according to self-reported results.Lindsay Till Hoyt, who co-authored that study and is not connected with the current work, found this latest research interesting. She was not surprised that students felt increased stress."I think so much of the social media and news about the election really felt personal and aimed at specific groups like Mexican Americans and women," Hoyt, an?assistant professor of psychology at Fordham University,?said.For example, she cites Trump's justification for building a wall between Mexico and the US, saying in a debate "we have some bad hombres here and we're going to get them out." Or when a 2005 "Access Hollywood" tape was released in which Trump talked about how his celebrity status allowed him to behave aggressively with women, saying he could "grab them by the (expletive)" and that he would sometimes "just start kissing them.""Comments like those could hit very close to home, as opposed to arguments about abstract concepts like foreign policy and economic policy, students might not be as well versed in those topics," Hoyt said. "Because there was literal name-calling going on in the election cycle, even with students less politically engaged, that strong language and the harsher crassness of the rhetoric may have had a more broad effect on these students."In another study she and a graduate student are working on, they've noticed that both sides, conservatives and liberals, say they have felt discriminated against during the election, and preliminary results show it has caused them stress that interrupted their sleep."It's not just along ethnic and racial discrimination lines," Hoyt said "Conservatives also feel discrimination is affecting their sleep, it crosses both sides of the political aisle."Another 2018 study looking at how 700 teachers navigated the days after the election with K-12 students, and researchers found stories of such distress. One surveyed teacher remarked "for millions of people, this is real trauma."Beth Sondel,?who co-authored that study of teachers, finds this latest research on college students useful."Many of these young kids that the teachers were talking about in our study weren't privy to the policy being presented in the election, but the rhetoric was so strong it was impacting them," said Sondel, a research assistant professor in the department of instruction and learning at the University of Pittsburgh School of Education.Teachers reported they saw an immediate heightened fear of deportation among students. One teacher reported one of her seventh graders asked her if "Trump can come with a bus and get me?" Another teacher in Nebraska said a high school student who was expecting a baby asked if the teacher would take care of the baby if he was deported. Another teacher reported consoling a second-grade student who told her through tears that she was worried that when she'd get home from school her parents wouldn't be there."In general, I think our results are similar, in that we are finding that even these younger students are internalizing this rhetoric and it is causing stress and trauma," Sondel said. "I think the personal has become really political in this election."The authors hope this latest study will help mental health professionals better counsel college students have. Knowing that an election can cause distress, professionals should ask about it to better target treatment, they said. 6606

TALLAHASSEE, Fla. - The Tallahassee Police Department announced Tuesday the outcome of a "large-scale" human trafficking investigation that resulted in 178 people being arrested.The department recently concluded a two-year-long operation, called "Operation Stolen Innocence," involving human trafficking and child sex trafficking right within the Capital City community.TPD Chief Revell said that it started with an investigation after a 13-year-old child’s image was seen on a prostitution website. Investigators with TPD’s Special Victims Unit set up an operation to rescue the child to ensure her safety. Operation Stolen Innocence involved underaged people being sex trafficked right here in Tallahassee. @abc27 pic.twitter.com/mZjRn7kDD3— Jada E. Williams (@JadaEWilliams) November 17, 2020 The investigation began in November 2018. Since then, 106 people have been charged with felonies and 72 with misdemeanors. Nineteen people also face federal charges, according to Revell.Charges range from solicitation of prostitution to human trafficking of a minor. Police said all suspects are from the southeast region, spanning all the way to Mississippi and Alabama.Revell said that he's "never been a case of this magnitude" in the 30 years he's been in Tallahassee. One of the investigators who was praised for her work on the case called the initial case that leads to dozens of arrests "horrific." More than 170 people were arrested in connection to Operation Stolen Innocence. Charges range from misdemeanor to felony. @abc27 pic.twitter.com/K5cGQNcU2A— Jada E. Williams (@JadaEWilliams) November 17, 2020 "We know it's going on in our community. We need to address this and we know it takes state and federal partners," Revell said.TPD did not release any specifics on individual cases to prevent from identifying any of the victims.Now, police are asking other victims to come forward. They said some of the most common ways to recognize a potential human trafficking victim are:The person appears malnourished.They show signs of physical injuries or abuse.They avoid eye contact, social interaction, and law enforcement.They do not have official identification or personal possessions.They are never away from people.If you see something, say something and call TPD at 850-891-4200. You can also remain anonymous by calling Crime Stoppers at 850-891-TIPS.Revell, other representatives from the agency, as well as representatives from the United States Attorney’s Office Northern District of Florida, State Attorney’s Office for the Second Judicial Circuit, Homeland Security, United States Marshal Service, Florida Department of Law Enforcement, and the Leon County Sheriff’s Office, were in attendance for the announcement Tuesday morning.WTXL was at the event and streamed it live on Facebook. You can watch the full announcement below: This story was first reported by WTXL Staff in Tallahassee, Florida. 2941

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