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President-elect Joe Biden has decided whom to nominate as his secretary of the Treasury Department. Biden said Thursday that the decision will be announced just before or after Thanksgiving and that “you’ll find it is someone who I think will be accepted by all elements of the Democratic Party, progressives through the moderate coalition.”Biden spoke to reporters after participating in a video conference with a group of several governors from both parties, telling them he wanted to be their partner in the White House.The governors talked about the need for government officials to be clear with Americans about what to expect as the virus surges. He says, “They all acknowledge this is going to take a massive education campaign.”The governors, according to Biden, expressed concern that it took eight months to deliver 100 million COVID-19 tests, so how will millions more vaccines be effectively delivered.Biden called the pandemic a “national emergency” and there should be FEMA assistance and federal funding available to help states and deploy National Guard teams when needed.Biden’s treasury secretary would lead his economic team as many businesses and Americans struggle to recover while the coronavirus pandemic continues.During questioning from reporters, Biden reiterated he did not support a full national shutdown, “no national shutdown.” He said it wasn’t about a national shutdown, but about knowing what the threshold in each region is.“Because every region, every area, can be different,” Biden said. “There is no scenario I see for a national shutdown.”He also called on the GSA to ascertain the election results and allow the transition to move forward, saying that the lack of information about the current status of the federal coronavirus response could delay efforts next year. 1816

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

RANCHO BERNARDO, Calif. (KGTV) -- For more than one month a North County coyote has been spotted with what looks like piping around her neck. Thanks to determined residents, she'll soon get the help she needs to get the piping off. RELATED: North County woman, neighbors trying to save coyote ensnared in plastic pipingTuesday night a rescue group sent a photo of the coyote, lovingly named "Myrtle," to 10News. Myrtle was first spotted sometime in April. Katie Ryan lives in the area and kept an eye on the animal's condition as she continued to pop up around the neighborhood. Side-by-side photos showed Myrtle had lost a dramatic amount of weight since she was first spotted - likely because of the piping around her neck. RELATED: Rancho Bernardo neighbor works to save mother coyote ensnared in pipingFor weeks Ryan and The Fund for Wildlife Animal Center worked to trap the coyote with no luck. Last week the animal center told 10News once Myrtle was caught they would have room for her, and experts ready to help. 1078

Prince Harry opened the fourth annual Invictus Games in style on Friday afternoon, climbing Australia's iconic Sydney Harbour Bridge along with a number of veterans and competitors from the upcoming event.Dressed in a black shirt with the logo of the sporting event he helped to kick-start in 2014, the British royal ascended the 13-meter (439 foot) high landmark in beautifully sunny weather, accompanied by Australia's Prime Minister Scott Morrison.It will be the fourth time the annual games have been held. The Invictus Games are a multi-sport event specifically held for wounded or disabled veterans to participate in. 631

President Donald Trump's former lawyer, Michael Cohen, is under federal investigation for tax fraud and possibly misrepresenting his finances, people familiar with the investigation told The Wall Street Journal.The reported investigation adds to the wide-ranging federal investigation Cohen is already facing in relation to his business affairs and work with Trump. According to the Journal, authorities are investigating whether Cohen underreported his income in federal tax returns, in which he reaped hundreds of thousands of dollars over the last five years.People familiar with the matter told the Journal that authorities are also investigating whether any bank employees were improperly permitted to offer Cohen loans when he didn't provide adequate documentation. Investigators are reportedly examining Cohen's relationship with Sterling National Bank, which financed Cohen's taxi medallion business, and looking closely at whether Cohen lied or misrepresented information on loan applications.Investigators are also looking into whether Cohen inflated his income "in loan applications and refinancing efforts," people familiar with the matter told the Journal.Cohen's former accountant, Jeffrey Getzel, has been subpoenaed as part of the investigation, the paper reports.Cohen has not been charged with a crime and the Journal said he previously denied wrongdoing. Lanny Davis, Cohen's attorney, declined to comment to the paper "out of respect for the ongoing investigation."CNN has not independently confirmed the Journal's report.Cohen is facing a wide-ranging federal investigation into his finances -- including potential bank fraud, campaign finance violations, and hush payments to women saying they had affairs with Trump, which the President has denied. Authorities raided Cohen's home, office and hotel room in April as part of the investigation.The former Trump "fixer" once said he would take a bullet for his boss, but in recent months, he's suggested that he's willing to cooperate with federal authorities.The-CNN-Wire 2050

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