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Fiat Chrysler Automobiles is recalling more than 180,000 Ram pickup trucks because of a potentially dangerous problem with their gear shifters.The recall includes 1500, 2500, 3500, 4500, and 5500 pickup trucks from the 2017-2018 model years.The agency says the fault “may increase the risk of an unintended vehicle rollaway” that could result in a crash or injury, according to consumer reports.A Fiat Chrysler Automobiles investigation discovered the Brake Transmission Shift Interlock (BTSI) may overheat on certain vehicles equipped with steering column gear-shifters. This condition has been linked to protracted brake-pedal application while vehicles idle in “park.”Fiat Chrysler Automobiles says it is unaware of any injuries or accidents related to the recall.Click here for more information. 822

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

FedEx said Monday they are planning to hire 70,000 seasonal workers as they head into the holidays.In a hiring statement on its website, the shipping company said most of those hired for its "peak season" would be added to its FedEx Ground network."As our team of more than 500,000 team members is busy preparing to deliver the holidays, we once again expect to see a large number of packages traverse our global network over the 2020 peak holiday shipping season," FedEx said. "In order to provide the best possible service during this busy time of the year, FedEx is increasing hours for some existing employees and boosting our workforce with seasonal positions, as needed." The Memphis-based company added that it expanded FedEx Ground’s year-round Sunday residential coverage to nearly 95% of the U.S. population, which went into effect Sunday. 857

For the first time, the Oxford English Dictionary has released several words for its annual "Word of the Year" because it's 2020. With everything that has happened this year, the dictionary said it selected words that saw significant spikes in searches during certain months.On Monday, the dictionary released its "Words of an Unprecedented Year" report saying that 2020 was "not a year that could neatly be accommodated in one single "word of the year," so they came up with words that saw spikes in searches during certain months."For January, the word was "bushfire" because of Australia's worst bushfire season on record."Impeachment" also was influential in January because that's when President Donald Trump's impeachment trial began.In February, "acquittal" peaked since that's when President Trump's impeachment trial ended.In March, words about the coronavirus pandemic dominated, like "COVID-19," "lockdown," "social distancing," and "reopening."In June, it was the phrase "Black Lives Matter."For August, it was "mail-in" because of the U.S. election and "Belarusian" because of the re-election of Belarusian President Alexander Lukashenko.In September, it was "moonshot," which was the name of the United Kingdom's government COVID testing program.And in October, "superspreader" spiked due to the spread of COVID-19 cases within the White House and "net-zero," which pertains to China President Xi Jinping pledging the country would be carbon neutral by 2060. 1480

For two minutes, people and traffic in Israel today paused to remember the estimated 6 million lives lost during the Holocaust.The Times of Israel reports that at 10 a.m. local time, nationwide sirens blared as a day of remembrance began. It also shared this video to Facebook: The Holocaust was a genocide during World War II in which millions of European Jews were killed by Nazi Germany led by Adolf Hitler, between 1941 and 1945.Beginning in the early 1930s, the German government passed laws to exclude Jews from civil society. Many were moved to concentration camps, ghettos and detention sites.A new survey found that Americans are beginning to lack basic knowledge about the Holocaust.The survey found that nearly half of all Americans — 41 percent — couldn't identify Auschwitz, a concentration camp where an estimated 1.1 million Jews and minorities were killed at the hands of Nazis during World War II. Among millennials, that number rose to 66 percent.The survey also found that a significant portion of Americans don't understand the scale of the Holocaust. Go here to read more on the results of this survey. 1166

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