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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

PARIS, Tenn. — The daughter of Hank Williams Jr. was killed in a crash in Henry County, Tennessee, Saturday night.The Tennessee Highway Patrol said 27-year-old Katherine Williams-Dunning was driving and towing a boat on Highway 79 near Paris when, for unknown reasons, the vehicle crossed the dividing median of the highway and rolled over.THP said her husband, Tyler Dunning, was injured in the crash. Paramedics flew Dunning to a nearby hospital for treatment. His condition has not yet been released.The crash remains under investigation.This story was originally published by staff at WTVF. 602

Pfizer announced Monday that its COVID-19 vaccine candidate has been 90% effective.In a press release, the company said that in Phase 3 trials, the vaccine has proven to promote a vaccine efficacy rate above 90% following the two-shot regimen.The Associated Press said that while Pfizer's announcement means the company is on track to file an application for emergency use authorization later this month, it does not mean a vaccine is "imminent" and more studies are needed.Pfizer's vaccine candidate began Phase 3 testing in the summer and is among a handful of vaccine candidates that could be distributed in the coming months pending FDA approval.Phase 3 trials consist of testing about 30,000 voluntary participants in a double-blind study — meaning half of those participating receive the vaccine, and half receive a placebo. Pfizer's vaccine requires two shots, which need to be taken 28 days apart.According to Pfizer, 90% of those who were tested for the vaccine had developed protection against the virus seven days following the second shot.Pfizer is already in the process of producing millions of doses of its vaccine candidate after the U.S. government agreed to pay .95 billion for 100 million doses of the vaccine, should it prove effective. If and when the FDA grants approval for the vaccine, it will be distributed to hospitals around the country by the U.S. military in an effort the Trump administration has dubbed "Operation Warp Speed.Even though hundreds of thousands of doses of the Pfizer vaccine will be ready for shipment if it is approved for emergency use, it will need to be rationed in the first months of its availability. According to a playbook for "Operation Warp Speed," essential health care workers and people in high-risk populations would have the first opportunity to get a COVID-19 vaccine. The rest of the general public will be able to get the vaccine as more doses become available later in 2021.Pfizer was one of a handful of companies that pledged in September not to distribute their vaccine under political pressure, and would only do so if it proved to be effective in large scale trials.Monday's announcement sent stock market futures through the roof, as investors eyed a return to economic normalcy should Pfizer's vaccine be given emergency approval in the coming days or weeks.President Donald Trump also celebrated the announcement in a tweet on Monday morning."STOCK MARKET UP BIG, VACCINE COMING SOON. REPORT 90% EFFECTIVE. SUCH GREAT NEWS!" Trump tweeted. 2524

Planned Parenthood is facing a social media backlash after one of its branches tweeted and then deleted a post suggesting Disney create a princess who'd had an abortion.Planned Parenthood Keystone, which operates in 37 Pennsylvania counties, tweeted on Tuesday that "We need a Disney Princess who's had an abortion. We need a Disney Princess who's pro-choice. We need a Disney princess who's an undocumented immigrant. We need a Disney Princess who's actually a union worker. We need a Disney Princess who's trans."The tweet plays off of a popular internet meme calling for more diverse Disney princesses.It didn't go over well."So glad #PlannedParenthood deleted their disgusting tweet, I don't really think having a Disney princess getting an abortion is appropriate for young girls..." said one woman Wednesday on Twitter. Her comment was typical of much of the outcry.Planned Parenthood Keystone head Melissa Reed confirmed that her group sent the tweet."Today, we joined an ongoing Twitter conversation about the kinds of princesses people want to see in an attempt to make a point about the importance of telling stories that challenge stigma and championing stories that too often don't get told," Reed said in an emailed statement."Upon reflection, we decided that the seriousness of the point we were trying to make was not appropriate for the subject matter or context, and we removed the tweet."She said Planned Parenthood uses pop culture to educate people and start conversations about sexual and reproductive health issues.The-CNN-Wire 1557

People in Canada are cheering, enduring long lines and honking their car horns in support as the country's first marijuana dispensaries open their doors Wednesday."I'm having a plaque made with the date and time and everything. This is never actually going to be smoked. I'm going to keep it forever," said Ian Power, who was among the first to buy marijuana in St. John's, a city in the country's easternmost province of Newfoundland and Labrador.Like Power, hundreds are now legally buying recreational marijuana all over Canada but not without adjusting to a few rules.As marijuana enthusiasts continue celebrating this historic day for Canada, here's a quick primer to get you up to speed. 701