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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

Outside his home, Joshua Nola and his dog, Bud, love spending time together on their daily walks.“No matter what, when I come home, he’s always happy," Nola said. "He’s always in a great mood. He always has a smile on his face."It’s a bond he values deeply. Nola is a U.S. Marine Corps veteran, who deployed to Afghanistan and when he returned home, felt something was off.“I’ve dealt with depression with stuff, dealing with a little bit of survivor’s guilt,” he said. “I have friends that I knew in the Marine Corps, whether on their deployment or after coming home, who just aren’t here anymore. And it got to the point where I was tired of burying brothers.”Those feelings are not unusual for veterans. The VA says more than 1.7 million veterans get treatment for mental health each year.Enter the non-profit Pets For Patriots.“Very simply, Pets For Patriots seeks to give veterans a new pet friend, while saving the most overlooked, undervalued shelter dogs and cats around the country,” said Beth Zimmerman, who founded the nonprofit.Zimmerman said the organization works to help veterans heal emotionally while helping pets in need do the same.“There were two different populations--veterans and shelter animals--that had different, but very complementary needs,” she said. “And if I could find a way to bring them together in a really intelligent way and an innovative way, that it would help both of them.”In the 10 years since Pets For Patriots began, the program has paired together nearly 3,000 veterans with shelter pets around the country. They help not just with the adoption, but also with the pet’s lifelong care.“We inspire veterans to adopt these animals by providing a range of benefits to make pet adoption affordable over the life of that pet,” Zimmerman said.Yet, it amounts to more than that, said Nola.“They’re constantly in contact. They’re asking how I’m doing, how [Bud’s] doing, " Nola said. 'If there’s anything they can do, help with anything, they’ve kind of become like a part of the family.”Zimmerman said that’s part of the goal.“Time and time again, you just see these stories where the veteran heals himself or herself by helping the pet overcome what he or she has been through,” she said. “And it's really pretty amazing.”Back in New Jersey, Nola and Bud continue on their path to healing together.“I wanted to save a dog, just as much as I kind of thought it would save me,” he said.If you would like more information on Pets For Patriots, click here. 2499

Over the past month, Eric Janota’s garage has become a workshop.“Me personally, I've built around 25 desks,” he said.These desks are for kids who don't have them, kids who have been spending time doing school from home due to the pandemic.“We found out there was a huge need for them,” said Kim Gonsalves.Together, Gonsalves and Janota started Desks for Kids, their way of helping kids in need who are learning from home.“We first heard about it because Eric’s brother lives in Maryland, and we found out about Desks by Dads because his brother started building with Desks by Dads,” Gonsalves said.The Desks by Dads idea has inspired people across the U.S.“It’s like a group in Michigan, a group over her in another state that’s building desks, and it started with Desks by Dads and a lot of them reference Desks by Dads,” Gonsalves said.“I thought, I can build a dozen desks that seems a reasonable amount of time, effort and money. And I got into it and we started looking at the need and more than 200 desks were needed just for our little suburb,” Janota explained.So, they got to work.“We started just using our own money, just buying up some plywood and supplies and now it’s sort of grown a little bit,” Gonsalves said.With the help of monetary donations, wood donations, and others offering to build desks, they are now working with schools to deliver desks to those who need them most.“They're doing their distance learning all day long on the bed or on the floor,” Gonsalves said.Back at the beginning of the school year, when it became clear many students who went home in the spring still would not go back to face-to-face learning, economists saw kid desks and other supplies go out of stock. Now, as a second wave of COVID-19 sends students home again, the need is still great.“What we saw with desks was the same thing we saw with many other things,” said Mac Clouse, an economist and professor at the University of Denver. “The pandemic has created new markets for just more existing products that become more important in a pandemic.”Clouse said desks are a great example of people finding ways to fill supply needs when there’s a demand.“When we have a situation where there's a demand for the product and there's not enough being produced, then economic theory says suppliers will convert resources if they can and they'll produce what's necessary,” he said.And that’s exactly what these volunteer builders from across the U.S. are doing, using the resource available to help fill a need.“If you’re a family who needs a desk, you could contact your school and say are you in touch with any builders who are building desks and giving them away,” Gonsalves said. “Everyone can make a difference. If you have you can donate to a builder, they can make a desk for a kid.”As the desks are built, Janota and Gonsalves load them up and drive them off to where they are needed most.“To know that you're making just a little bit of a difference, because you wish you could help more. That student might need more than just a desk but this might just help this student be a little more successful this year,” Janota said.“Eric just started with a little idea. Maybe I can make a dozen desks and help some kids, and it’s just blossoming. To see the community pull together, it's really given me a lot of hope in a year that's been pretty terrible,” Gonsalves said. 3384

Police were called to the Washington, D.C. home of Fox News host Tucker Carlson on Wednesday night when a group of protesters showed up and shouted threats.Smash Racism D.C., which calls itself "anti-fascist," claimed responsibility for the protest on social media. The left-wing group has previously targeted Ted Cruz, Kirstjen Nielsen, and other right-wing figures.In videos uploaded to Twitter by the group on Wednesday, participants were heard saying "Tucker Carlson, we will fight! We know where you sleep at night!" They called him a "racist scumbag" and hurled epithets.The Twitter account also shared Carlson's address, which is a violation of Twitter's rules. By late Wednesday night, Twitter had suspended the group, which means the tweets and videos are now deleted.Carlson told the Washington Post, "It wasn't a protest. It was a threat." He said "they were threatening me and my family and telling me to leave my own neighborhood in the city that I grew up in."Carlson was at his Fox News office across town, preparing for his 8 p.m. talk show, when the disturbance occurred. His wife Susan was home alone.According to a police report provided by the Metropolitan Police Department, Susan said "she heard loud banging and pounding on her front door."When she went to investigate, she "saw a large group in front of her home. They had a bull horn and were chanting loudly. She retreated to a room in the rear of her home and summoned p

PINE VALLEY (KGTV) -  Nineteen people are in custody after the horse trailer they were traveling in crashed Saturday on Interstate 8, about 55 miles east of San Diego, Border Patrol said.The trailer, which was being pulled by a Ford F250 pickup truck, separated from the truck and overturned on its right side just before noon, according to the California Highway Patrol. Border Patrol agents said that the trailer was smuggling people into the country and all of the apprehended people identified as Mexican nationals. The driver of the truck managed to escape, according to Border Patrol.Six people were injured in the crash and two of them had to be airlifted to a hospital for treatment, Border Patrol told 10News.Witnesses said people ran out of the overturned horse trailer. Border Patrol agents took 19 people into custody and continued to look for others that may have fled on foot.   935