Any public servants out there? Any public servants with student loans and on the loan forgiveness train? . . From March 13, 2020 til Sept 30, 2020 your loans are in forbearance. . What you need to know: do not pay during this time if you meet the criteria above (public service loan forgiveness) . . You will get credit for April, May, June, July, August, and September as if you paid but they have stopped auto withdrawal so 5 months of no payments & credit as if you paid!! . . You do not have this added to the 10 years – it is waived – thank you government. . . To recap: if you are on autopay, you do nothing – it stopped for you. Do not make payments because you are paying for nothing (overpaying) and that money can be saved to use later or a nice gift for you. . . So what if I have student loans but am not public service.. – so what does this mean? 0% during this time so if you pay – 100% goes to the principal which means you will see a drop in what you owe sooner …depending on your circumstance – you can pay it down, pay off some bills, or enjoy the 5 months of no payment.
As we navigate the challenges posed by the spread of COVID-19, we remain committed to supporting borrowers.
We are working diligently to enact all benefits as provided by the CARES Act and will have customer accounts updated as soon as possible. No action is required on your part at this time. Should you have any questions, sign in to your online account or contact us for assistance.
0% Interest for Student Loans
The interest rate on all federally held student loans serviced by FedLoan Servicing will temporarily be reduced to 0% until September 30, 2020.
FedLoan Servicing will automatically adjust accounts so that interest doesn’t accrue (i.e., accumulate). The account adjustment will be effective March 13, 2020.
This 0% interest rate change will be applied to all federally held loans in any status (in school, in grace, in repayment, in deferment/forbearance, etc.).
Temporary Suspension of Payments
All borrowers will automatically be placed on an administrative forbearance which will temporarily suspend monthly payments.
The administrative forbearance will last from March 13, 2020, through Sept. 30, 2020.
A borrower can request that this administrative forbearance be removed at any time. If the forbearance is removed, required payments will resume.
Payments (including Direct Debit)
Direct Debit payments are automatically suspended during the administrative forbearance.
Any payments (Direct Debit or otherwise) processed between March 13, 2020, and Sept. 30, 2020, can be refunded; refund requests can be made by contacting us.
Borrowers still have the option to make manual payments (i.e., via Account Access or mobile app) on their loans to make progress toward reducing their balance. Payments can be the full amount or a partial amount.
NOTE: If payments are made during the period of 0% interest (March 13, 2020, through Sept. 30, 2020), the full amount of your payments will be applied to principal once all the interest that accrued prior to March 13 is paid.
Public Service Loan Forgiveness (PSLF) & Income-Driven Repayment (IDR)
Borrowers with a Direct Loan, whom are on a qualifying repayment plan prior to the suspension, and work full-time for a qualifying employer during the suspension, will receive credit toward PSLF for the period of suspension as though on-time monthly payments were made.
Borrowers currently on an IDR plan will have suspended payments count toward IDR forgiveness.
In a time when the economy is unstable and shopping trips are limited; conscious shopping takes priority. Saving money with the Gamma2 Vittles Vault Outback!
In order to be completely transparent, The post is sponsored by Gamma2 Vittles Vault but the content and opinions expressed here are my own.
The Vittles Vault Outback was added to my shopping list for a few reasons:
1. Stores the entire 40 pound of dog food in a sealed convenient storage bin.
2. Can be stored inside the house, in the garage or even outdoors.
3. Prevents the smell of dog food outside the container.
4. Is stackable and comes with a scoop.
5. Keeps the food fresh and is BPA Free
6. The Gamma2 Vittles Outback Container can be flipped up or down depending on your needs. It can fit in a regular sized cabinet.
The Gamma2 Vittles Vault Outback Container is a lifesaver. After getting a large bag of dog food; I dump the food into the container and spin on the lid. The scoop holds 1.5 cups. The Vault Outback can be stacked for food, snacks or different food for different dogs. There are different sizes and different shapes depending on your needs. It is reusable and no unwrapping a dog food bag daily. The food stays fresh, no waste, and no pests can get in so no wasted food. Feeding is easy – just grab the scoop and put in Coco’s bowl and we are off and running. Mealtime is a lot more organized and convenient.
Everyday I find myself glued to Governor Dewine’s Daily Press Conference. This is the new normal. Dr. Amy Acton and Governor Dewine and Lt. Governor Husted have become regulars in my life….
Today 867 Confirmed Cases and 15 Deaths.
A little about us: B is critical care physician in Central Ohio and I am a K-12 Educator. I am a blogger and social influencer; B does not really love social media; so I limit B’s exposure on social media per his request.
Last week one of B’s colleagues was exposed to Coronavirus. At the time it was one of the first cases in Ohio. For me, it hit like 9/11 and reminded me of a scene out of Outbreak. For two weeks, we have watched Washington State and New York get hit hard, but for it to happen here..made it real quickly..
B works critical care and always sees the sickest of patients. I am used to consistent stories about those who pull through and the sad days when nothing more can be done. The relationships of medical personnel with patients and their families creates bonds and emotionally I know it takes a toll….
After B’s friend got the call that he was exposed to the virus- That day, our lives changed. The way we interact, the way we use the house, and the way we co-exist. For a couple days, I was still working and consistently thinking…when will B be exposed; when will the test come back with a patient of his…will he be ready? Will he have notice? Will he get it anyway?
I stopped working at the office Tuesday and B continues to be on the front line. Watching the news today in New York – CNN – refrigerator truck was taking the bodies out of the hospital…to store them and New Orleans had 18 deaths. Today, we surpassed Italy with the most CoVID-19 cases and deadliest single day in the US with 237 – this will continue to rise. Announcements of more medical personnel deaths out of Italy cause some concern…
Our new normal. Scrubs in the garage, immediate shower upon entry, hand washing and cleaning all surfaces, 6 feet distance, different areas of the fridge, freezer, and different bathrooms and shower. Even down to seeing the dogs, B has limited interaction to keep them safe as well.
My day begins with a temperature check. No symptoms. Good. ✅ My new normal is getting up at regular time; cleaning for 45 minutes, showering, then logging online and getting started with my own work, lunch break, quick text to B to see how he is doing and words of positivity, and throw in some laundry, work google hangout, phone calls, and conclude the work day with some research.
B gets up and goes through his routine. Checks his temperature ✅ Knowing that the resources are running scarce; it is scary. Every night, B is reading articles on Scarce Resources and Public Health and working to solve potential problems before it explodes here.
There are thousands of people serving the healthcare systems and this story is no different than others.
I wonder, how long before they go without gloves, masks, shields, and gowns? How long before the vents are all taken? Where is the best place to go? When should you seek medical help; the balance of going too soon or too late….
Nightly, B talks about the potential cases and confirmed cases and the overwhelmed system as it is. While there are areas of limiting PPE – such as moving the ventilator and IVs out of the room and into the hallway, limiting specialists who enter the rooms, and figuring out possible ventilator options and mask covers. Changes within the healthcare system such as elective surgeries cancelled and surgeons actively taking on physician roles are becoming commonplace.
B selflessly works as a servant and he has already told me, I won’t quit. I will not leave patients without care. We watch the news in Italy and he talks with colleagues around the country and I know- he is at risk. B grew up in New York and his sister is outside the city; we pray nightly for her and I know some nurses, doctors, staff, respiratory therapists, admission staff; will become infected. They may die and are still willing to push forward. They are the 2020 version of firefighters – literally going into an inferno hoping to save as many as possible knowing any day could take them as well.
Vague promises about testing and ventilators – still not readily available for use are critical concerns.
Our governor, Mike Dewine; Lt Governor, Jon Husted, and Dr. Amy Acton are leaders and have our utmost respect and believe they are really doing everything in their power to “flatten the curve” – learning from New York and tragedies in Italy is humbling. Two places that I love dearly and pray for them nightly. I think back to when my dad was sick with the flu and passed away. We had daily visits and my mom lived at the hospital hoping he would get better…my heart breaks for families who cannot visit their sick loved ones and cannot spend final days saying goodbye. Weddings, funerals, birthdays, and life as we know it; has changed and will not be the same. Grief and the process of loss without answers only makes the anxiety worse for the sick and for the families of the sick.
I hope Ohians, Americans, and people of the world – stay home and do as needed to get back to our lives.
I sat watching Dr. Phil talking with the girl who licked the toilet seat on a plane to show Coronavirus is fake – and I was appalled and saddened by the sheer disrespect and disregard for human life. When asked about staying home and making good choices – she flat out said – it was not her problem and oh well if you get sick. I personally believe that we are all in this together and we all need to think others. Millenials are the key to this virus stopping; more than ever need to stay home- self quarantine and do their part so Life can resume quickly and we can all go back to the aspects we all enjoy.
As I reflect on the last week, I miss going to restaurants, miss seeing my family and miss doing what I want. While those things are important to me, I am thankful and blessed to be able to talk with them by phone and facetime; talk with colleagues through google hangouts.
B just came in and has 3 confirmed patients – more testing going on; having to prioritize those who get the tests and B let me know that hospitals will be getting a 6 hour test that will speed up the testing process. B also shared that Dyson made a ventilator today so that is good news…so some positive news coming in today…
Life is not comfortable…life is not convenient…stay home…flatten the curve…❤️
When I asked B what people can do to help:
1. Stay Home
2. Stay Home
3. Donate unused N95 masks and gloves.
Stay tuned for more on Life with Coronavirus in Ohio.
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CreositySpace providing lessons from our Contagion Crushers, Water Watchers, and Conscientious Chemists units at no cost to help support teachers, parents, and guardians to keep all kids engaged in science
Curriki teacher-vetted, open-resource lesson plans and materials
Deck Toys: helps teachers create and share online lessons using their easy tools
DeltaMath: immediate feedback middle school math- AP calculus
Discovery online textbooks, multimedia and professional development
Hopefully you are out of office right now and are social distancing yourself as much as possible. . . Enjoying a bit of social distancing here ❤️ . A couple of tips during CoVID-19 🧼 Wash your hands frequently 🤚Avoid touching your eyes, nose or mouth with unwashed hands 😷Avoid close contact with people who are sick 👩💻Put distance between yourself and other people around you 🧽 Clean and disinfect frequently touched surfaces 🏡 Stay home if you are sick + get medical care if necessary 🍊 Have a supply of food staples and household supplies 💊 Make sure you have a 30 day supply of prescription medications and other health supplies on hand, including pain relievers, cough and cold medicines, stomach remedies, fluids with electrolytes and vitamins ⛽️ Fill your car with gas 🏥 Help family and friends get prepared and share the safety messaging with those who may not have access to it ☎️ Call 1-833-4-Ask-ODH will answer any CoVID-19 questions 🚙 Drive thru CoVID-19 testing will be at Ohio State University soon . @ohiodepartmentofhealth @trendyheidi @trendywithapassport . . .