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Claire's, the fashion and accessories chain that's a staple of suburban malls across the country, could be the next retailer to file for bankruptcy, according to Bloomberg.Bloomberg reports that Claire's will have .4 billion in debt mature this year, and has a million debt payment due next week. The report also says that Claire's parent company, Apollo Global Management, LLC, is working on a deal that would pass control of the retailer to lenders. 465

CLEVELAND — Student loans. Those two words cause a lot of stress, anxiety, even depression in so many Americans out there.Like Denise Ferguson.“Oh, my student loans are going to outlast me!” Ferguson said.Like 41 million other Americans, Denise is drowning in student loan debt — 0,000 in her case.“It’s funny because I’m an attorney and a lot of people assume that we attorneys are rich and wealthy,” she said.Well, rest assured, Denise is not one of those types of attorneys.She works with abused and neglected children in the foster care system.“We’re the only alleged first-world country that has all these issues with student loans and people being put into debt in order to do something good,” she said.Denise went to a state school in Pennsylvania for college, the University of Akron for law school.Fifteen years later, the amount of student loan debt she has barely has a dent in it.“If I win the lotto, it’ll get paid off. If I don’t win the lotto, there’s no hope that that’s ever going away,” Denise said. “My house only cost ,000 if that puts anything in perspective.”The average student loan debt for graduates is about ,000. It's the second-highest consumer debt category in the U.S., coming in only after mortgage debt.Since the federal CARES Act went into effect, more than 40 million federal student loan borrowers have had their payments paused and interest rates set to 0%.While that is set to expire on Jan. 31 now, it’s not clear what the incoming Biden administration will do.There are pushes and proposals to wipe out student loan debt — anywhere from ,000 to ,000.But nothing is clear, nothing is done, and experts say, do not rely on what could be.“Do not wait until January to expect any executive orders, there’s just so much uncertainty going on right now,” said Dr. Lakshmi Balasubramanyan, a banking and finance professor at Case Western Reserve University.She said it is crucial to have a plan in place before payments start back up again.Contact your loan servicer and talk through your individual situation.If you’ve lost or changed your job during the pandemic, switch to an income-based repayment plan, or discuss hardship options.“If you plan for the worst-case scenario, the best-case scenario is where there’s some loan forgiveness — then that would be a pleasant surprise but right now, you should plan to pay it off because you don’t want to go into default status,” Balasubramanyan said.She also advises heading to studentaid.gov to see if you possibly qualify for any loan forgiveness programs.Jeremy DiTullio, of the Cleveland Financial Group, says the worst thing borrowers can do is wait and hope for relief that may not come.“I would plan for starting to make your payments. Worst case scenario is that there is some forgiveness or some relief and now you have choices,” DiTullio said. He also suggests borrowers "earn differently" during the pandemic if they have to, to avoid defaulting. "So earning differently may mean accepting a job that isn’t exactly in your field of choice, it might mean working part-time on the weekends," DiTullio said.But keep in mind, if you have kept your job during this time, and you have the means — the payments you make on your student loans right now are going directly to your principal.To be clear, the relief and the extension only applies to borrowers with federal loans.There has yet to be standardized relief for private loan holders unless their specific lender made hardship adjustments.This story was first reported by Homa Bash at WEWS in Cleveland, Ohio. 3572

Cross-platform comparison of ?? Face with Medical Mask prior to Apple's iOS 14.2 beta release. Image: Vendor designs / Emojipedia composites. 149

CLEVELAND - Cleveland Browns General Manager John Dorsey has set the record straight about the possible hiring of Condoleezza Rice. The Browns released the following statement: 194

COVID-19 cases among younger Americans are on the rise, and while most under 45 who contract the virus will recover without significant complications, the virus is still a concern for anyone who gets it.But despite that concern, some students in Alabama are actively trying to come down with the coronavirus.According to officials in Tuscaloosa — the home of the University of Alabama — college students have been betting to see who can catch the virus first. Officials say that students put money into a pot, and the first one to contract the virus gets to keep the cash.Randy Smith, the Chief for the Tuscaloosa Fire Department, says he uncovered a major health concern involving area students and parties."We thought that was kind of a rumor at first," Smith said. "Not only did the doctors' offices help confirm it, but the state confirmed they also had the same information."Tuscaloosa City Councilmember Sonya McKinstry says it's up to young people to be responsible and avoid contact others if they're sick. She said the students' behavior is only slowing down a return to normalcy and putting the lives of their loved ones at risk."I just think it's senseless. I think it's careless. And it makes me mad as hell that you know we're constantly trying to do everything we can to slow the spread of the virus while they're just having a damn party trying to spread it," McKinstry said.The University of Alabama plans to reopen campus to students for in-person classes this fall. Officials have not said if the students hosting and attending the "coronavirus parties" are enrolled at the capstone.Young people in Alabama wouldn't be the first to hold "coronavirus parties." Earlier this year, Kentucky Gov. Andy Beshear reported that one his constituents contracted the virus at a similar party. 1807

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