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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

Public transit across the country has seen a roller coaster of ridership since the pandemic first hit. Now, it looks to the future and the hope that riders return."A lot of medical workers ride transit every day, people who work in distribution centers, grocery stores, these are people who keep cities running, and we really need transit to carry these workers through the depths of this pandemic," said Ben Fried of Transit Center, a non-profit that advocates for better public transportation in American cities.Fried says public transit nationwide has seen fewer riders than normal ever since stay-at-home orders were first enacted."We have seen transit climb back a little bit in terms of ridership. At the peak, it was down 90-95%. Now, depending on the system, it's typically down about 75% of normal rates," Fried said."(We've seen) a significant decrease. We normally carry 400,000 riders a day. We saw that drop to 100,000 early on," said Terry White, the Interim General Manager of King County Metro in Seattle.White said King County had to cut unused bus routes and then add service to the southern region of the county, which still saw a high number of passengers during the height of the pandemic."(We) almost didn't miss a beat in terms of the ridership coming out of that area," White said. "So, we assume there are a lot of folks in those areas that have to get to these essential services, food, healthcare, frontline jobs you can't do from home."While public transportation departments across the country reorganize their transit routes and implement new safety, cleaning and social distancing efforts on buses and subway cars, they're concerned about how the future of public transit will look. Fried hopes more people realize public transportation is still safe during the pandemic.Fried pointed to New York City as an example."Transit ridership has really increased a lot since the depths of the pandemic," Fried said. "We're not back to normal by any means, but as transit ridership has increased, we have not seen a spike in COVID cases. So, that's one indication transit may be safer than people think it is."Still, the overall decline in ridership isn't good for public transportation agencies' bottom lines."Transit agencies depend on revenue from a variety of sources," Fried said. "It's a mix of fare revenue, dedicated taxes, so like a local sales tax, a percentage of which will go to transit, and state and local government support and all three of these are getting hammered various degrees from COVID."In Seattle, King County Metro depends on local sales tax and money made from bus and subway fares to keep them going."Really, our outlook for the next 10 years in this COVID pandemic situation has us in a situation where we will have to make up probably about billion over the next ten-year period," White said.Recently, King County Metro laid off 200 part-time employees while also offering early retirement incentives to some full-time workers, despite receiving a good chunk of money from the CARES Act. Fried is advocating for more federal help to keep public transit moving.As the pandemic moves forward, Fried hopes passengers start to get comfortable with using public transportation again."I think the number one thing to realize is that our collective health and safety is dependent on people wearing masks," he said. "It's true in shared space, and it's true in transit."Fried hopes ridership in the U.S. can get back to normal levels soon, but King County Metro doesn't think that will happen anytime soon. 3563

Publix has announced they have purchased then donated more than 5 million pounds of produce and 350,000 gallons of milk to food banks across the southeast.The supermarket chain said in a press release that the initiative, which was launched back in April, was set up to support local farmers and help feed families through the Feeding America member food bank.“During these challenging times, we remain committed to working together to find the solutions that positively impact our communities in need, Publix CEO Todd Jones said in the release. "We are honored to continue our support of Feeding America member food banks and to purchase produce and milk from farmers across the Southeast. As the harvest season moves north, so is our initiative, expanding to support additional farmers and serve as many people as possible.”The company said they have purchased producers from farmers in Florida, Georgia, South Carolina, and North Carolina and will start working with farmers in Tennessee and Virginia in the coming weeks.During the pandemic, the grocery chain said they had donated million to Feeding America and its member food banks. 1149

President Donald Trump's lawyer Rudy Giuliani said Sunday that the June 2016 Trump Tower meeting between senior Trump campaign officials and Russians "was originally for the purpose of getting information about (Hillary) Clinton," but denied any collusion between Russia and the Trump campaign.The description of the meeting, which was held between the President's son Donald Trump Jr., son-in-law Jared Kushner, then-campaign chairman Paul Manafort and Russian lawyer Natalia Veselnitskaya, among others, starkly contrasts initial explanations that the meeting was about a Russian adoption policy."Well, because the meeting was originally for the purpose of getting information about, about Clinton," Giuliani said on NBC's "Meet the Press," later adding, "That was the original intention of the meeting. It turned out to be a meeting about another subject and it was not pursued at all. And, of course, any meeting with regards to getting information on your opponent is something any candidate's staff would take. If someone said, 'I have information about your opponent,' you would take that meeting." 1113

Receiving a wedding invitation should be exciting, not dreadful. But if it’s not the first one this season, or if you’re keeping a wary eye on your budget, getting that embossed white card in the mail could bring mixed emotions — and the search for a tactful way to decline. One-third of Americans have skipped or considered skipping a wedding because they couldn’t afford to attend, according to a recent survey from NerdWallet, conducted online by The Harris Poll. Their reluctance to attend is understandable, considering that the average reported budget for a close friend’s wedding gift was 8, according to the survey. “Many wedding guests look at a friend’s bridal registry and start doing the math,” says Courtney Jespersen, NerdWallet consumer saving expert. “But thankfully, the 0 coffee maker and 0 vacuum aren’t your only gift options.”Here are several budget-friendly wedding gifts that cost far less, or even nothing at all.Go in on a gift with a group. Other guests may be in the same boat, and if the wedding registry has gifts at various price points, there’s an opportunity for you to pool your gift budgets and choose something the couple really have their eyes on. Check with friends you know are on the guest list and choose an amount to spend that fits everyone’s budgets.Shop off-registry. You don’t have to stick to the wish list the couple put together, particularly if there’s nothing on there within your budget. “It’s perfectly fine for a guest to go off-registry,” says Diane Gottsman, national etiquette expert and founder of The Protocol School of Texas. “A registry is a useful guide that makes sure the bride and groom get what they need. However, a guest can also feel free to write a check or purchase something else they know the bride and groom will enjoy.”? MORE: 3 tips for the ideal wedding guestGive an experience. If the happy couple are millennials, there’s a good chance they’d love an experience more than a material gift anyway. Offer to plan and prepare a romantic picnic or help them build a garden in their backyard, Gottsman suggests.Contribute to a larger cause. If it’s good enough for Prince Harry and Meghan Markle, this may work for your friends, too. More than 4 in 10 (43%) millennials say they’d prefer to donate to charity in a couple’s name than buy them a registry gift, according to the NerdWallet survey. This is an appropriate gift if the couple has requested charitable contributions in their name or if you know they feel strongly about a certain cause or organization. Most charities don’t have a donation minimum, so you can spend as much or as little as you want.Help fund a honeymoon (or home). Honeymoon and even down payment funds are increasingly popular choices for couples with pending nuptials. If your friends have set up such a registry, it’s a good option for guests with fixed budgets. ? MORE: How to cut wedding guest costsGet creative. Personalized gifts often mean the most. If you’re artistic, write the couple a meaningful poem or paint them a picture. You could also pay for someone else’s creativity — getting a relatively inexpensive photo frame personalized with the wedding date or couple’s last name, for example, makes a unique gift that may come in well under the average gift budget. “A gift doesn’t have to be expensive to be significant,” Gottsman says. “The most important thing is to let the bride and groom know you’re happy for them and wishing them a lifetime of happy memories.”More From NerdWallet 3626

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