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Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

The Americans have chosen their President. Congratulations @JoeBiden and @KamalaHarris! We have a lot to do to overcome today’s challenges. Let's work together!— Emmanuel Macron (@EmmanuelMacron) November 7, 2020 220

TALLAHASSEE, Fla. — Millions of Americans have now gone weeks without increased federal unemployment insurance benefits as Congress continues to weigh replacement options."Every day we wait, another Floridian gets closer to eviction, closer to homelessness and people's lives are really on the line," Florida State Rep. Anna Eskamani (D-Orange County) said.An executive order signed by President Donald Trump aims to give unemployed Americans 0 a week, but states would need to provide a quarter of that money. On top of that, it's unclear if Trump's decision to pull billion in federal money from FEMA is even legal, as the power of the purse constitutionally falls under Congress.With the legality of the order up in the air, some Republican state governors, like Florida Gov. Ron DeSantis, are hesitant to adopt the policy."There's only so much you can do through executive action," Florida Gov. Ron DeSantis said. "We're now at a point where the President is just doing that, but I want to make sure there's no legal risk for us if someone were to challenge this, then we'd be left on the hook."The concerns haven't stopped Iowa, New Mexico, Arizona and Louisiana from applying, according to a tweet from Trump. South Dakota has reportedly declined to take up the plan."I think there's a lot of red flags on the President's executive order despite the fact that we all desperately need to see this increase in dollars," Eskamani said.DeSantis told reporters during a press conference that they are considering taking out a loan through the Department of Labor to raise the weekly benefit amount for Floridians. It's a compromise Eskamani says state lawmakers are interested in making, but also wishes Congress would strike a deal first."The best-case scenario would be Congress reconvening to come up with a solution and make that compromise, even if it means putting other issues on the table to figure out the unemployment piece," Eskamani said. "This should be a moment of no partisanship. This should be a moment of just figuring out what is the best way to help Florida."It's unclear how quickly the application process through FEMA works and when states will begin receiving the extra 0 in federal money per week.The Department of Labor issued guidelines for states on how to apply.This story was originally published by Heather Leigh on WFTS in Tampa, Florida. 2389

SYLMAR, Calif. (KGTV) -- Authorities announced that a missing Los Angeles mother and her three children were safely located at the San Ysidro Port of Entry in south San Diego County.The young family disappeared from their home in Sylmar on Oct. 9, according to authorities.Liliana Lopez's three children, who were also missing since Oct. 9, were found when they entered the U.S. from Mexico at the border crossing.Los Angeles police detectives were interviewing Lopez to determine the circumstances of her and her children's disappearance.A man who was identified as a possible suspect in their kidnapping, Esteban Lopez, is believed to be still in Mexico, according to authorities.Police were called to the 13600 block of Fellows Avenue at 9:27 p.m. on Oct. 9 and found that a possible kidnapping had occurred. Police continued to search for them even as the Saddleridge Fire started up the next day and raged throughout the area.Anyone with information on the case is asked to contact LAPD Det. Chamberlain or Det. Arroyo at (213)-486-6840. During non-business hours, calls can be directed to 1-877-LAPD-24-7. Anonymous tips can be provided to LA Regional Crime Stoppers at 1-800-222-TIPS.Information from station KABC in Los Angeles was used in this report. 1268

Statistics released by the U.S. Consumer Product Safety Commission on Friday claimed that 10,000 Americans were injured from firework mishaps in 2019, resulting in 12 fatalities.The agency says that 73% of the incidents occurred between June 21 and July 21. While seemingly more harmless than other fireworks, sparklers accounted for a plurality of the injuries, resulting in 900 injuries, half of those were from children under the age of 5.The CSPC said that fireworks killed at least 12 Americans in 2019, several of the deaths happened when victims held and ignited fireworks.With many local firework shows canceled or postponed this summer, there is concern over even more mishaps occurring this summer."Many Americans will not get to see the grand, professional fireworks displays this 4th of July given the cancellations of public celebrations and stay-at-home orders across the country. As an alternative, people are purchasing their own fireworks in an effort to recreate that tradition at home," said CPSC Commissioner Dana Baiocco. "The need for safety awareness regarding fireworks is greater than ever," she said, "and anyone who plans to use consumer fireworks this year should review and follow CPSC's simple safety tips to prevent injuries and incidents."The CSPC issued the following tips for a safe celebration:Never allow young children to play with, or ignite, fireworks, including sparklers. Sparklers burn at temperatures of about 2,000 degrees Fahrenheit—hot enough to melt some metals.Keep a bucket of water or a garden hose handy, in case of fire or other mishap.Light fireworks one at a time, then move away quickly.Never try to relight or handle malfunctioning fireworks. Soak them with water and throw them away.Never place any part of your body directly over a fireworks device when lighting the fuse. Move to a safe distance immediately after lighting fireworks.Never point or throw fireworks (including sparklers) at anyone.After fireworks complete their burning, douse the spent device with plenty of water from a bucket or hose before discarding the device to prevent a trash fire.Make sure fireworks are legal in your area, and only purchase fireworks that are labeled for consumer (not professional) use.For more fireworks safety tips, visit www.cpsc.gov/fireworks. 2308