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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

Puppies being rescued in Seattle quickly became rescuers for panicking airline passengers. The dogs were on the way to Detroit when an airline employee stole a plane at Seattle-Tacoma International Airport, resulting in the delay of several outbound flights. A Michigan volunteer was stuck at the airport with the nine puppies, which brought peace to a chaotic situation.“We knew something was happening at the airport, we didn’t really know,” said Steve Heim, a Detroit Metro Airport employee. Heim volunteers with an animal rescue and was in Seattle Friday to bring nine Spanish greyhound puppies to metro Detroit. He was taking a red-eye and quickly realized something was wrong at the airport. An airline employee had stolen a plane on what officials say was a suicide mission. “I said ‘uh-oh this is not good,’” Heim said. He knew his flight and many other flights would be delayed due to the incident. But he was traveling alone, caring for nine puppies at the airport, waiting for the next flight which was more than six hours later. “People were yelling and screaming at all the customer service agents," Heim said. "People were crying. There were thousands of people in the airport.”That's when the puppies came out of the crate and Heim said passengers flocked to them for comfort. “It was nice because nobody will remember what they were really there for just a moment or what had happened,” Heim said.A GoFundMe page has been set up for the puppies here: www.gofundme.com/spanish-galgo-rescueFor more information on Serenity Animal Hospital, visit www.serenityanimalhospital.net. 1649

Reservations will be required on Amtrak's Pacific Surfliner route during the Thanksgiving holiday period to safely manage the increase of travelers and control the spread of COVID-19.The company announced Thursday that a reservation will be required on trains that travel between San Diego, Orange, Los Angeles, Ventura, Santa Barbara, and San Luis Obispo counties beginning Monday, Nov. 23 through Nov. 30 to help manage the capacity and allow customers to socially distance.Additionally, the Rail 2 Rail program will be suspended during this period, and monthly Metrolink and COASTER passes will not be accepted onboard Pacific Surfliner trains on these dates.Amtrak monthly and 10-ride passes may still be used. However, multi-ride ticket holders will be required to confirm each trip through the Amtrak RideReserve program on Amtrak.com, the Amtrak app, or with an Amtrak agent before traveling.Additional cars are being added when possible to increase the number of available seats on select trains.Visit pacificsurfliner.com for additional information on booking and safety precautions. 1100

Protesting an animal rights protest, a chef and co-owner at Antler Kitchen & Bar in Toronto began butchering a raw deer leg with a sharp knife in the restaurant's window.It all started with a friendly chalkboard feud with another local restaurant down the street. According to The Globe and Mail, Antler used its sidewalk sign to write what it thought was a harmless food joke."Venison is the new kale."“There was no offense meant,” Micahel Hunter, the deer-carving chef and co-owner of Antler Kitchen & Bar, told The Globe and Mail. “I’m not trying to promote a meat diet. I have a lot of respect for the vegan diet because I know how hard it is.”But, Marni Ugar, who already had experience organizing animal rights protests, took offense. She saw the sign and organized a rally, the Canadian publication wrote.A group of animal rights activists got together several times in front of the restaurant, chanting "you're a murderer" and "you've got blood on your hands," according to The Globe and Mail. After three months of listening to chants of murder echo through his restaurant came Hunter's breaking point - a counterprotest in full view of the animal rights activists."I figured I'll show them," Hunter told The Globe and Mail. "I'm going to have my own protest."Then protesters held up signs in front of the window as he carved. One had big, pink letters - MURDER. Another said, "Animals are not ours to use."On its website, the locavore restaurant, which prides itself on using local and regional ingredients, says its menu "is rural to its roots" and "aims to celebrate the wild culinary delights of Canada." Menu items, which the protesters clearly do not approve of, include rack of deer and a Game Burger made with wild boar, bison and deer. Even the pappardelle has braised rabbit. On occasion, the restaurant "cook[s] game meats over an open fire pit, in true rustic style."It's clear the restaurant opposes factory farming and prides itself on using all parts of the animal.But Ugar said an animal is an animal. On a street full of butcher shops and other restaurants serving meat, she picked Antler as her protesting focal point to debunk what she calls a myth that raising animals in pastures free from hormones and antibiotics is more ethical than factory farming, she told The Daily Globe and Mail. She said it's not ethical-free meat.After Hunter's counterprotest, he told The Globe and Mail he didn't feel good about it.Hunter and Ugar have begun a conversation over the issue. The Canadian publication said Ugar offered to reduce the frequency of the protests to once a month if Hunter would agree to put a sign in the window: "Attention, animals' lives are their right. Killing them is violent and unjust, no matter how it's done."Hunter responded with plans to introduce a vegan menu, and invited Ugar's group to join him on a foraging trip, The Globe and Mail said. Ugar has not yet responded, but said she is thinking it over.According to The Globe and Mail, the ordeal has had a direct impact on Antler - reservation requests are up. 3136

President Donald Trump’s plans to kick off Independence Day with a showy display at Mount Rushmore are drawing sharp criticism from Native Americans who view the monument as a desecration of land violently stolen from them. Several groups led by Native American activists are planning protests for Trump’s July 3 visit, part of his “comeback” campaign for a nation reeling from sickness, unemployment and social unrest. But it comes amid a national reckoning over racism and a reconsideration of the symbolism of monuments around the globe. Many Native American activists say the Rushmore memorial is as reprehensible as the many Confederate monuments being toppled around the nation.The president's plans are also raising questions about fireworks safety. A fire expert says a fireworks display planned at the Mount Rushmore National Memorial is “ill advised” given the abnormally dry conditions and risk of summer wildfires. The July 3 event could attract 7,500 people. Bill Gabbert is the former fire management officer for Mount Rushmore and six other national parks in the region. Earlier this month, he said shooting fireworks over the extremely flammable ponderosa pine forest should not be done. The fireworks display at Mount Rushmore to celebrate Independence Day has not happened since 2009, when it was ended because of fire danger after a pine beetle infestation. Additionally, a 2016 U.S. Geological Survey report ties high levels of perchlorate contamination in the water at Mount Rushmore national memorial in South Dakota with past years of fireworks displays there. The pyrotechnics are set to resume this Independence Day holiday at the urging of President Donald Trump. 1698

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