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Republican Darrell Issa has represented the 49th Congressional District for nearly 20 years, but new signs are pointing to a Democrat taking that House seat in the November election.Republican Diane Harkey is vying for the position against Democrat Mike Levin. The district runs from coastal North San Diego County into Southern Orange County. Speaking to the Republican Party of San Diego County at an event this month, Harkey said some are losing hope in her campaign. She rallied attendees at the Town and Country Resort on keeping the 49th a Republican seat. After an enthusiastic response, she told the crowd: 637

Racial disparities and bias in health care can be a double whammy for multi-generational families of color — specifically when Black men are the caregivers."We tend to think of the male caregiver as that individual that comes helicoptering in and pays the bills or take care of yard work. But that's not all that male family caregivers do," said Rita Choula, the director of caregiving at the AARP Public Policy Institute.AARP has found that there are nearly 3 million African-American men taking care of an adult family member or non-relative — usually someone with memory, emotional or mental health conditions.Conversations with those caregivers reveal the unique challenges and stereotypes they face, including health care bias."If he is going into a situation with an understanding that there may be a bias — when we talk about higher levels of stress, that would be one thing that could cause more stress for an African American male caregiver," Choula said.Black men are also less likely to ask for help, which can add to the stress. They're often still working essential jobs and facing financial impacts due to tough choices about balancing careers with their caregiving responsibilities.That stress has been amplified by the COVID-19 pandemic, as caregivers now face the risk of bringing the virus home to loved ones.But these Black men are dedicated. A majority of all African-American caregivers find a sense of purpose or meaning in that role — more so than other caregivers."Increasingly, male family caregivers are bathing their mothers. That's a difficult thing," Choula said. "So, as a provider, are you talking to that male caregiver about what that may mean to them emotionally?"Any caregivers seeking support — either in-person or online — can call the AARP Caregiver Hotline at 877-333-5885 or click here for more information. 1855

Rescuers in Mexico City pushed through debris Thursday at an elementary school in an urgent attempt to reach a 12-year-girl, two days after a powerful earthquake trapped her and killed at least 250 people across central Mexico.The rescue attempt at the capital's Colegio Enrique Rebsamen came amid concerns the structure could buckle further. It was one of many searches underway at buildings that collapsed in the region after Tuesday's magnitude 7.1 quake, the country's second major temblor in less than two weeks. 525

President Donald Trump visited Arlington National Cemetery on Wednesday as part of a Veterans Day ceremony.Trump laid a wreath at the Tomb of the Unknown Soldier, in an act that has become a Veterans Day and Memorial Day tradition for presidents in the years since the remains of several unidentified U.S. soldiers who fought in World War I were interred at the cemetery in 1921.In the years since, remains of other unidentified soldiers from World War II and the Korean War have since been interred in the area. The remains of a U.S. soldier who fought in the Vietnam War were briefly interred in the tomb before scientists identified them as those of Air Force 1st Lt. Michael Joseph Blassie. Blassie's remains were removed from the tomb in 1998 upon his family's request.The Tomb has come to represent all U.S. soldiers who have been killed or remain missing in action.The wreath-laying ceremony was Trump's first on-camera public appearance since most media outlets projected Joe Biden as the winner of the 2020 presidential election.Prior to Wednesday, Trump's last on-camera public appearance came on Nov. 5 when he held a press conference at the White House to falsely claim victory in the 2020 presidential race citing baseless claims of widespread voter fraud. 1277

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

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