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You don’t have to make another federal student loan payment in 2020. Now is the time, though, to decide what to do before your bill arrives in January 2021.Federal student loan borrowers were already in an automatic interest-free pause on payments as part of the original coronavirus relief bill, known as the CARES Act. This pause was expected to expire Sept. 30, but an extension of the forbearance through Dec. 31 was directed in a memorandum signed by President Donald Trump on Aug. 8.However, it’s uncertain that all the student loan relief measures included in the original CARES Act, such as a pause on collection activities, will also continue.“The language of the executive order is not clear,” says Betsy Mayotte, president and founder of The Institute of Student Loan Advisors. It’s also possible, she says, that Congress will make additional changes before the current automatic forbearance period ends.For now, the forbearance extension is to begin Oct. 1 and run through the end of the year, barring any legal challenge. The Department of Education is expected to issue additional guidance in the coming days on the details of the memorandum.Here’s what the student loan payment relief extension is likely to mean for you, depending on your situation:You have federal loans and face financial hardshipAlthough January 2021 is just a few months away, it’s enough time to make a change to your federal loan payments and avoid defaulting on the loans.“There is no harm or downside in talking to your servicer now,” says Scott Buchanan, executive director of Student Loan Servicing Alliance, the trade association of student loan servicers. “You want to be well-prepared for whenever this does expire.”If you know you’ll have difficulty repaying the debt, contact your servicer now about enrolling in an income-driven repayment, or IDR plan — it caps payments at a portion of your income and extends the repayment term. If you don’t have a job, your payment could be zero. If you’re already enrolled in IDR, make sure to recertify your income if it has changed.You can still make payments on your federal loansIf your finances haven’t been affected by the economic downturn, you can use this time to prioritize financial goals.Consider making payments toward the principal on your federal loans to lower your overall debt. Since your loans are on automatic forbearance, you’ll need to contact the servicer to do so.You can also make a dent in other financial goals, such as paying down credit card debt or padding your emergency fund.Your federal student loans are in default or rehabilitationAll collection activities on federal student loans are suspended through Sept. 30, such as wage garnishment and collection calls. However, experts say, the new memorandum doesn’t specifically indicate that collections would be suspended through the end of the year.Similarly, if you’re currently rehabilitating defaulted student loans, the original six months of nonpayment counted toward the nine needed to complete the process. But the memorandum doesn’t specify this would continue under the forbearance extension. Contact your servicer for more information.You’re pursuing Public Service Loan ForgivenessFederal student loan borrowers pursuing Public Service Loan Forgiveness don’t need to make payments until Sept. 30. Those months of nonpayment still count toward the 120 payments needed to qualify for PSLF as long as you’re still working full time for an eligible employer.However, there is no indication yet that the new memorandum applies to borrowers pursuing PSLF, experts say. Contact your servicer to find out if the additional months of forbearance would count toward PSLF. If not, consider making payments during this time to keep on track.You recently graduated from collegeIf you were expecting to start making payments on your loan within the period of extended forbearance, your first payment won’t be due until January. Usually, interest accrues during a grace period, but if your six-month grace period overlaps with the administrative forbearance period, interest won’t grow.Use this time to find out who your servicer is and what your first bill will look like.If you think you can’t make your minimum payment come January, you can apply for an income-driven repayment plan to cap payments at a portion of your income (it could be zero if you don’t have a job). Apply for income-driven repayment at least two months before repayment starts.You’re taking time off from schoolFederal loans typically have a grace period of six months after you leave school. If you have student loans and last attended school in the spring, your payments would start to come due this fall. The extended forbearance period would delay your first payment until January.When you resume classes, you can defer payments until you finish school as long as you are enrolled at least half time. But student loans get only one grace period; you won’t have another after you graduate or leave school again.You have private student loansYour lender may offer private student loan relief in the form of a payment pause or reduced payments. While a number of lenders structured relief plans to end Sept. 30, many are open to an extension or additional relief.Contact your lender to ask about additional deferments or payment reductions. You can also apply for existing loan modification programs for financial hardship. These will vary from lender to lender — but interest will continue to accrue, unlike with federal loans.You’ll likely have to apply for private loan relief individually since most lenders aren’t making payment pauses or loan modifications automatic, Mayotte says.You have nongovernment owned FFEL or Perkins loansStudent loan borrowers with the Federal Family Education Loan (FFEL) Program or Federal Perkins loans not owned by the Education Department don’t have access to the automatic forbearance.To take advantage of the forbearance, you’ll need to combine your loans into a federal direct consolidation loan. Consolidating loans will cause any unpaid interest to capitalize, or be added to the principal balance. Contact your loan servicer to determine how consolidation will affect the total repayment amount, interest rate and loan balance.More From NerdWalletHow to Get an Unemployment Deferment for Your Student Loans7 Kinds of COVID-19 Relief for College StudentsDon’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6537

-- and NFL games -- over Thanksgiving 2017.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 140

Your local airport probably looks a lot different these days. It's no secret that the airline and travel industry has been hit hard. After Sept. 11, 2001, travelers that were encouraged to arrive to the airport at least two hours early for extra security checks. You still have to get there early, but it’s to have your temperature taken. And amid the pandemic, fewer travelers are passing through airports.“We’ve never seen this kind of extended impact on aviation. In the history of aviation, our passenger numbers are where they were in 1965, so that gives you a sense of how dramatic the decrease in passengers has been.” Becca Doten, a spokesperson for Los Angeles World Airports, said.Also known as LAX, it's the third-largest airport in the world. It’s the No. 1 origination and destination airport in the world and it’s undergoing massive changes.“We’ve installed touch-free faucets in the restrooms, touch-free water bottle refill stations, touch-free water fountains as well as employing UV technology to clean our air in our terminals,” Doten said.There are Plexiglas barriers everywhere. Even the elevators are touch-less.“Making it so elevators stop on every floor so you don’t have to touch the buttons and installing anti-bacterial sanitizing buttons and film in areas that people do need to touch,” Doten said.Concessions are mobile too. And the vending machines aren't full of snacks, but personal protective equipment.“You can find vending machines that will have hand sanitizer, face coverings, gloves and unique items like UVC light to clean your phone and all are TSA compliant so you can take what you purchase there through TSA with no problem,” Doten said.ACI, or Airports Council International, advocates for airports around the world. It has been guiding both big and small airports as all of them undergo changes to make people safe.“It’s tasking us to find methods and means of things that we’ve never come up with before to keep our industry going,” said Lew Bleiweis, who is the chair of the ACI’s North America branch.Pittsburgh, for instance, came out with a cleaning robot that shines UV rays on surfaces around the terminals. Other cities are installing new ventilation systems to purify the air in the terminals.“Almost every airport, if not all of them in North America, have instituted more cleaning protocols, more routines,” Bleiweis said. “A lot of airports are using electrostatic cleaners that you see spray out a mist that adheres to surfaces killing off viruses.”And he says, imagine a futuristic world of travel. That's where most airports are headed.“There will be sensors and touch-less things in the ground or in the floor or walls that will be able to facial recognize who you are and send an automatic boarding pass to your device,” Bleiweis said.When asked if travelers are getting more comfortable with all the recent industry changes, Bleiweis said, “I would say it was going in that direction and people are getting more comfortable. The resurgence that’s come up in Florida, Texas, California, that has really put the question as to whether people want to get on an airplane or not."Bleiweis says there has been an incline as we move through the summer. It'll be interesting to see what happens after Labor Day and as we approach the holidays.“Airports are and the aviation system are huge economic drivers in this country and across the world and people have to feel comfortable to travel and we need to get those wheels turning in the economic portion of aviation,” Bleiweis said.Doten said, “It’s going to be a long, slow recovery for the airport and travel industry, however we feel that as people feel safer and understand the steps we’re taking, they’ll feel more comfortable coming back to our airport.”But she also says LAX in particular has spared no expense in making major changes to bring people back to the skies. 3889

Woody has always been confident about his place in the world and that his priority is taking care of his kid, whether that’s Andy or Bonnie. But when Bonnie adds a reluctant new toy called “Forky” to her room, a road trip adventure alongside old and new friends will show Woody how big the world can be for a toy. Directed by Josh Cooley (“Riley’s First Date?”) and produced by Jonas Rivera (“Inside Out,” “Up”) and Mark Nielsen (associate producer “Inside Out”), Disney?Pixar’s “Toy Story 4” ventures to U.S. theaters June 21, 2019. 541

A’Deja's sister, Jalen and her father are also hearing impaired. Jalen had success with cochlear implants in the past, so on Thursday, the family traveled to Johns Hopkins Children's Hospital in St. Petersburg.“It’s so exciting,” said A’Deja’s mom Patricia.Following the implant procedure, A’Deja heard her family’s voices for the first time. The toddler's grandparents were also there.“This moment never gets old,” said audiologist Shelly Ash. “It’s always so moving.”Cochlear implant technology has accelerated over the years. Now the technology can even be linked via Bluetooth.Kids have different reactions to hearing sound for the first time.“When we first start out, we’re introducing very soft levels of electrical current,” said Shelly Ash. “It just sounds to her like 'beep, beep, beep.'”For A’Deja, she was neither happy or scared. She was simply... amazed.Her eyes widen and her jaw dropped.She realized what it was: sound.And she turned her head when her mother said those three magic words: I love you.” 1018