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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

Rep. Blake Farenthold announced he's resigning from the House of Representatives effective Friday, a few months after news broke he used taxpayer money to pay a settlement to a former aide who accused the Texas Republican of sexual harassment and other improper conduct.After his announcement, the National Republican Congressional Committee, which works to elect GOP candidates to the House, requested he pay back the money that was used for the settlement."I hope Blake is true to his word and pays back the ,000 of taxpayer money he used as a settlement. As I have said repeatedly, Congress must hold ourselves to a higher standard and regain the trust of the American people," NRCC Chairman Steve Stivers said in a statement. "I'm confident we'll have a Republican in this seat come November."Within minutes of his announcement, Farenthold appeared to have deleted his official Twitter account."While I planned on serving out the remainder of my term in Congress, I know in my heart it's time for me to move along and look for new ways to serve," he said in his statement Friday afternoon. "Leaving my service in the House, I'm able to look back at the entirety of my career in public office and say that it was well worthwhile."The House Ethics Committee announced late last year it would investigate Farenthold for allegations of sexual harassment from his former aide, Lauren Greene, who received the ,000 settlement after she sued Farenthold in December 2014 for gender discrimination, sexual harassment and a hostile work environment.Farenthold denied some of the allegations against him but apologized using for inappropriate language and his role in creating a hostile workplace. Farenthold had vowed to repay the taxpayer money used for the settlement in December, but as of last month he had not yet paid back that money.He announced in December that he would not be seeking re-election.The-CNN-Wire 1926

Researchers have determined there are five kinds of cat owners, when it comes to their feelings about their felines roaming and hunting outside.Outdoor cats can be a danger to birds, rodents and small reptiles, and also create dangers for themselves from disease, larger predators and traffic.Researchers at the University of Exeter in the United Kingdom are trying to bring awareness to the downsides of cat outdoor roaming and the impact on wildlife, and published part of their ongoing study. They note that several attempts have been made to address the issues, including reducing the cat population, regulating ownership and restricting feline outdoor access.“Such proposals rarely account for cat owners’ perspectives, however, and are frequently met with strong, principled opposition,” the study’s authors wrote.They found cat owners fell into five “types”:Concerned Protectors focus on cat safety. They are most worried about their pet’s safety outside and would feel guilty if the cat died while roaming. They are likely to keep their cats inside most of the time if not permanently.Freedom Defenders prioritize cat independence and natural instincts, “like a wild animal,” and oppose restrictions on behavior. They believe keeping cats inside is cruel, and that any of the risks of being outside are outweighed by the benefits. They generally are not bothered by their cat’s hunting and some expressed pride in their pet’s hunting abilities.Tolerant Guardians believe outdoor access is important for cats but dislike their hunting and are more likely to bring their cat inside at night. Generally, this group of cat owners try to rescue prey captured by their cats, accepting that their pet is a “carnivorous wild creature” while saving all wildlife.Conscientious Caretakers feel some responsibility for managing their cats’ hunting. They are worried about their cat’s roaming, and the impact on birds and other smaller creatures. This group generally believes cats require outdoor access, but are not opposed to confinement. They are open to hunting-control measures that owners can take.Laissez‐faire Landlords were largely unaware of the issues surrounding roaming and hunting behavior. This group generally is concerned their pet may be stolen, get killed in traffic or get lost if outside roaming. They also have never thought about the effect their cat has on wildlife outside. They also believe belled collars are an effective way to manage their cat’s hunting.The large majority of study participants also felt that cats should be allowed outside at least some of the time. The study’s authors note that four of the five groups viewed hunting to be negative and may be open to more information about how to limit their pet’s predation.They recommend policymakers stay away from “blanket restrictions” and instead work with cat owners on strategies. “Identifying, refining, and promoting viable management tools and alternatives may be a more constructive approach to resolving this issue than regulation,” the study concludes. 3053

Remington Arms, weighed down by lawsuits and retail sales restrictions following the Sandy Hook school massacre, is seeking bankruptcy protection for the second time in as many years. The nation’s oldest gunmaker listed assets and liabilities of between 0 million and 0 million. Gun sales have slumped, as they typically do, under a Republican administration, because gun owners are not as compelled to stockpile weapons out of fear that Congress will create tougher gun-control laws. But the past three years have been particularly volatile, fueled in part by a mass shooting in Las Vegas and other high-profile mass killings that have led retail chains to restrict sales, or removed guns completely from stores. 727

PUEBLO, Colo. — A white supremacist accused of plotting to bomb the Temple Emanuel synagogue in Pueblo last year pleaded guilty to federal hate crime and explosives charges Thursday morning, according to court documents.Richard Holzer pleaded guilty to charges on Thursday that he attempted to obstruct others from exercising religious beliefs through force and that he attempted to destroy a building used in "interstate commerce."Holzer was arrested Nov. 1, 2019, after he met up with three undercover FBI agents in an attempt to bomb Temple Emanuel in Pueblo, Colorado as part of what he called a "racial holy war" and to wipe the synagogue "off the map" in what the FBI said amounted to "domestic terrorism."An undercover agent began talking to Holzer on Facebook in September 2019 after investigators say he promoted white supremacy and violence on several accounts. Holzer pleaded not guilty in November 2019 to a three-count indictment submitted by a grand jury.Holzer's sentencing is set for Jan. 20. He faces a maximum sentence of 20 years in prison for the hate crime charge and 20 years for the explosives charge, a fine of up to 0,000, and a term of supervised release.This story was originally published by Brenda Argueta on KOAA in Colorado Springs, Colorado. 1284

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