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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72"><div class=WordSection1><p class=MsoNormal><span style='mso-fareast-language:EN-US'>Most of you have received the attached. In case you haven’t, it contains a number of financial resources you might find helpful during the </span>COVID-19 epidemic.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='mso-fareast-language:EN-US'>Nancy Yeager<o:p></o:p></span></p><p class=MsoNormal><span style='mso-fareast-language:EN-US'>President, NFBV Seniors Division<o:p></o:p></span></p><p class=MsoNormal><span style='mso-fareast-language:EN-US'><o:p> </o:p></span></p><p class=MsoNormal><span style='mso-fareast-language:EN-US'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> NFBV-Announce <nfbv-announce-bounces@nfbnet.org> <b>On Behalf Of </b>Joe Orozco via NFBV-Announce<br><b>Sent:</b> Tuesday, March 31, 2020 9:16 AM<br><b>To:</b> NFBV-Announce@nfbnet.org<br><b>Subject:</b> [NFBV-Announce] FYSA: Where to Find Financial Relief During Coronavirus (COVID-19)<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><h1 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:16.5pt;margin-left:0in;vertical-align:baseline'><span style='font-family:"Arial",sans-serif;font-weight:normal'>Where to Find Financial Relief During Coronavirus (COVID-19)<o:p></o:p></span></h1><p class=MsoNormal style='vertical-align:baseline'><a href="https://www.thesimpledollar.com/author/skostaras/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in;text-decoration:none'><img border=0 width=48 height=48 style='width:.5in;height:.5in' id="Picture_x0020_3" src="cid:image001.png@01D6073D.03F20340" alt="https://secure.gravatar.com/avatar/c8a3fa3c52699475d651d9c2c30962a9?s=48&d=mm&r=g"></span></a><span style='font-family:"Times New Roman",serif'><o:p></o:p></span></p><p class=hero--blog-postpost-info style='margin:0in;margin-bottom:.0001pt;vertical-align:baseline'><a href="https://www.thesimpledollar.com/author/skostaras/"><span style='color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>by Samantha Kostaras</span></a><span class=footnote><span style='font-size:8.5pt;font-family:inherit;border:none windowtext 1.0pt;padding:0in'>Updated on Mar 30, 2020</span></span><o:p></o:p></p><p class=MsoNormal style='vertical-align:baseline'> <o:p></o:p></p><p class=MsoNormal style='vertical-align:baseline'><a href="https://www.thesimpledollar.com/category/banking/" title=Banking><b><span style='font-size:8.5pt;font-family:inherit;color:#0D877F;border:solid #0D877F 1.0pt;padding:4.0pt'>Banking</span></b></a> <a href="https://www.thesimpledollar.com/category/money/" title=Money><b><span style='font-size:8.5pt;font-family:inherit;color:#0D877F;border:solid #0D877F 1.0pt;padding:4.0pt'>Money</span></b></a><o:p></o:p></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Americans are facing more than health concerns as a result of the spread of novel coronavirus COVID-19, recently </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.who.int/dg/speeches/detail/who-director-general-s-opening-remarks-at-the-mission-briefing-on-covid-19---12-march-2020" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>labeled a pandemic</span></a><span style='border:none windowtext 1.0pt;padding:0in'>. As events and attractions postpone operations, many workers are being laid off until further notice. Those who can work may be faced with the choice between showing up sick or losing income needed to pay rent.</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>The Federal Reserve, joined by other government agencies, has</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'> <a href="https://www.federalreserve.gov/newsevents/pressreleases/bcreg20200309a.htm" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>called on the financial services industry</span></a><span style='border:none windowtext 1.0pt;padding:0in'> to “meet the financial needs” of people who are affected by COVID-19. Some of the country’s largest financial institutions have responded with measures to help their customers cope. </span><o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Which financial institutions are offering coronavirus assistance?<o:p></o:p></span></h2><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/banking/reviews/citibank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Citi</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Starting March 9, 2020, the following are in place for an initial 30 days, according to the company </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://online.citi.com/US/JRS/pands/detail.do?ID=covid19"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>website</span></a><span style='border:none windowtext 1.0pt;padding:0in'>:</span><o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l2 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>“For Retail Bank Customers: Fee waivers on monthly service fees; waived penalties for early CD withdrawal.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l2 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>For Retail Bank Small Business Customers: Fee waivers on monthly service fees and remote deposit capture; waived penalties for early CD withdrawal; Bankers available after hours and on weekends for support.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:30.0pt;text-indent:-.25in;mso-list:l2 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'>For eligible Credit Card Customers: Credit line increases and collection forbearance programs<o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l2 level1 lfo2;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'>For eligible Mortgage Customers: A range of hardship programs through our service provider, Cenlar FSB. Please contact them at<span style='border:none windowtext 1.0pt;padding:0in'> </span>1-800-2CENLAR (1-800-223-6527)<span style='border:none windowtext 1.0pt;padding:0in'> Monday-Friday 8:30am – 8pm ET and Saturday 8:30am – 5pm ET</span></span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>”</span><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/banking/reviews/wells-fargo-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Wells Fargo</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Wells Fargo shared its </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.wellsfargo.com/jump/enterprise/coronavirus-response" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>response to the coronavirus disease</span></a><span style='border:none windowtext 1.0pt;padding:0in'>, stating that “Wells Fargo is committed to helping customers experiencing hardships, including from the Coronavirus Disease (COVID-19). If in need of assistance, we encourage customers to call us at <b>1-800-219-9739</b> to speak with a trained specialist to discuss options available for their consumer lending, small business and deposit products.”</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>It also included its efforts to keep branches safe with sanitizing products as well as warning customers to look out for potential scammers impersonating government employees or charities during the crisis. </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/banking/reviews/u-s-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>U.S. Bank</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>U.S. Bank has <a href="https://www.usbank.com/splash/covid-19.html"><span style='color:#00A600'>posted several products</span></a> on its website that it is offering at a discount to help those affected by COVID-19. It is also directing customers to reach out to 888-287-7817 if in need of “additional support.” </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/credit-cards/best-capital-one-credit-cards/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Capital One</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Capital One </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.capitalone.com/coronavirus/" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>published an update</span></a><span style='border:none windowtext 1.0pt;padding:0in'> to its website, urging customers to take advantage of digital options whenever possible, and sharing their </span><a href="https://www.capitalone.com/support-center/contact-us" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Contact Us</span></a><span style='border:none windowtext 1.0pt;padding:0in'> page as a resource for those in need as a result of the coronavirus.</span><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/banking/reviews/pnc-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>PNC Bank</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>PNC posted the following statement to its </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.pnc.com/en/customer-service/coronavirus-update.html"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>website</span></a><span style='border:none windowtext 1.0pt;padding:0in'>: “Should you, as a PNC customer, encounter hardship as a result of coronavirus, please call us at <a href="tel:18887622265"><span style='color:#00A600'>1-888-762-2265 </span></a>(7:00 a.m. to 10:00 p.m. ET Monday – Friday; 8:00 a.m. to 5:00 p.m. ET Saturday & Sunday) to discuss your options. PNC offers an array of hardship relief options for which customers may be eligible depending on their product(s) and needs.”</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>PNC also left open the possibility to expand assistance programs in the future, if needed.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Truist<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>The product of a </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://media.truist.com/2019-12-09-BB-T-and-SunTrust-complete-merger-of-equals-to-become-Truist" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>December merger</span></a><span style='border:none windowtext 1.0pt;padding:0in'> between </span><a href="https://www.thesimpledollar.com/banking/reviews/suntrust-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>SunTrust</span></a><span style='border:none windowtext 1.0pt;padding:0in'> and </span><a href="https://www.thesimpledollar.com/banking/reviews/bbt-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>BB&T</span></a><span style='border:none windowtext 1.0pt;padding:0in'>, Truist </span><a href="https://www.truist.com/coronavirus-information" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>announced on its website</span></a><span style='border:none windowtext 1.0pt;padding:0in'> that its team is “committed to working with our clients to reduce financial stress during this challenging and uncertain time.</span><o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l0 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Heritage SunTrust clients, please contact 800-SUNTRUST (800-786-8787).</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l0 level1 lfo4;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Heritage BB&T clients, please contact 800-226-5228.”</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/banking/reviews/discover-bank-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Discover</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Discover said in a statement that it “<span style='border:none windowtext 1.0pt;padding:0in'>is extending relief to qualified customers </span>who are experiencing financial difficulty caused by the spread of the Coronavirus (COVID-19). Discover customers may receive assistance that can include support related to payment timing, fees and late payments.”<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Discover is encouraging customers to reach out by phone or through its “mobile text app, which connects a customer directly with an agent.” To access relevant phone numbers and other questions related to COVID-19, you can visit <a href="https://nam02.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.discover.com%2Fcoronavirus&data=02%7C01%7Cskostaras%40redventures.com%7C4bf624767bb24b1b146408d7ccef409f%7C4289d6102cfd46218c9644a1518ddb0a%7C0%7C0%7C637203200263092593&sdata=bwW1OmiIQoaHaeYdo4LRWviCevy5hIEIiFsbwvGLy78%3D&reserved=0"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>www.Discover.com/coronavirus</span></a>.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Nelnet<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Nelnet, a student loan servicer, announced the following <a href="https://www.nelnet.com/covid-19" target="_blank"><span style='color:#00A600'>relief effort</span></a> on its website: “If you’re affected by COVID-19 directly or indirectly and need our support, we’re here to help you with options to reduce or postpone your payments:</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:30.0pt;text-indent:-.25in;mso-list:l1 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'>Change your repayment plan to reduce your monthly payments<o:p></o:p></span></p><p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:7.5pt;margin-left:30.0pt;text-indent:-.25in;mso-list:l1 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'>Apply for a deferment<o:p></o:p></span></p><p class=MsoNormal style='margin-left:30.0pt;text-indent:-.25in;mso-list:l1 level1 lfo6;background:white;vertical-align:baseline'><![if !supportLists]><span style='font-size:10.0pt;font-family:Symbol;color:#1B2D3F'><span style='mso-list:Ignore'>·<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'>Apply for a forbearance”<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>To access this relief, you can “visit <a href="https://www.nelnet.com/welcome" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Nelnet.com</span></a>, email us at <a href="mailto:Help@Nelnet.net">Help@Nelnet.net</a>, or call us at 888.486.4722 from 8 a.m. to 10 p.m. (Eastern) Monday – Friday.”<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Navient<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Navient, another major student loan servicer, <a href="https://navient.com/covid-19" target="_blank"><span style='color:#00A600'>provided a statement</span></a> on its website for those affected: “If you’ve been impacted by the coronavirus and are having difficulty making payments, we encourage you to call us at 888-272-5543 to explore your options to reduce or postpone your payments.”</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Great Lakes<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Great Lakes <a href="https://mygreatlakes.org/educate/covid-19.html"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>released updated information</span></a> on its website, posting that if you are “affected by COVID-19 <span style='border:none windowtext 1.0pt;padding:0in'>directly or indirectly and need our support, we’re here to help you with options to reduce or postpone your payments.”</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>You can reach out to Great Lakes digitally on its website, mobile app, or by emailing <a href="mailto:BorrowerServices@glhec.org"><span style='color:#00A600'>BorrowerServices@glhec.org</span></a>. If you’d prefer to speak to someone over the phone, you can call (800) 236-4300<a href="mailto:BorrowerServices@glhec.org"><span style='color:#00A600'>.</span></a></span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><a href="https://www.thesimpledollar.com/loans/reviews/sofi-personal-loans-review/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>SoFi</span></a><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>SoFi <a href="https://www.sofi.com/faq/#alert" target="_blank"><span style='color:#00A600'>published an alert</span></a> to its website where you can find a list of general service-specific contacts, as well as resources provided in response to the novel coronavirus. For support related to student loan payments, SoFi advises that “to inquire about forbearance and hardship relief due to COVID-19, please contact MOHELA at 877-292-7470 or send a secure message through sofi.mohela.com and they can address your concerns.”</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>For support related to personal loan payments, SoFi directed customers to call its “Hardship Relief Team to go through your options at 855-456-7634.”<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Internal Revenue Service (IRS)<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>At a March 17th press briefing, <a href="https://www.whitehouse.gov/briefings-statements/remarks-president-trump-vice-president-pence-members-coronavirus-task-force-press-briefing-4/" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Treasury Secretary Steven Mnuchin announced</span></a>: “If you owe a payment to the IRS, you can defer up to a million dollars as an individual… interest-free and penalty-free for 90 days.”<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>As of March 20th, this move now also applies to Tax Day. <a href="https://twitter.com/stevenmnuchin1/status/1241002750483324930"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Mnuchin announced via Twitter</span></a> that the deadline to file your taxes will be postponed “f<span style='border:none windowtext 1.0pt;padding:0in'>rom April 15 to July 15″ for “all taxpayers and businesses.” </span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Be aware t</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>hat this move only applies to your federal taxes. You’ll need to check with your state to find out if it is offering any similar measures.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Community resources that can help right now<o:p></o:p></span></h2><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Free financial planning<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Financial advisors across the country are offering pro bono advice to people whose wallets are impacted by the outbreak. The XY Planning Network offers a <a href="https://www.xyplanningnetwork.com/?_advisor_search=%22coronavirus%20relief%22" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>search tool</span></a> on its site that helps pinpoint financial advisors (more than 50 listed) who are willing to provide free advice on coronavirus relief.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Internet companies providing relief<o:p></o:p></span></h3><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Due to the coronavirus pandemic, over 100 companies have pledged not to terminate services to any residential or small business customers who cannot pay their bills, waive any late fees and open its WiFi hotspots to any American who needs them.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>In a promise to “keep American connected,” the Federal Communications Commission’s site offers a <a href="https://www.fcc.gov/keep-americans-connected#pledges" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>full list of companies and associations</span></a> that are participating.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Unemployment benefits<o:p></o:p></span></h3><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Unemployment numbers will likely continue to rise as more businesses close shop during the coronavirus pandemic.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>The U.S. Department of Labor has <a href="https://www.dol.gov/newsroom/releases/eta/eta20200312-0" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>issued guidance</span></a> giving states flexibility to amend their laws to extend unemployment benefits to workers impacted by COVID-19. Use this <a href="https://www.careeronestop.org/LocalHelp/UnemploymentBenefits/find-unemployment-benefits.aspx?newsearch=true" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>unemployment benefits finder tool</span></a> to find specific details on your state’s unemployment insurance program, including additional help due to coronavirus. Many states allow you to file for unemployment benefits online, while other states provide toll-free numbers and alternative ways to file.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Some states are finding innovative ways to combat unemployment during this period of uncertainty. New York, for example, is <a href="https://www.ny.gov/services/get-unemployment-assistance" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>waiving the waiting period</span></a> for unemployment benefits for people affected by the virus, which may lead other states to follow suit. Typically, most states will pay benefits for up to 26 weeks. In general, benefits are based on a percentage of an individual’s earnings over a recent 52-week period, up to a state maximum amount.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>As of March 27th, unemployment benefits have been <a href="http://nytimes.com/article/coronavirus-stimulus-package-questions-answers.html"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>expanded</span></a> to include self-employed people, gig workers, freelancers, and part-time workers. Check out <a href="https://www.thesimpledollar.com/financial-wellness/unemployment-insurance-coronavirus-how-to-apply" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>this page</span></a> for more general information on state unemployment insurance benefits, how to apply, and who qualifies.<o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>What President Trump’s student loan relief means<o:p></o:p></span></h3><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>President Donald Trump announced he is waiving interest on student loans held by the federal government until September 30, 2020. The waiver doesn’t apply to three types of student loans: state, private and the majority of Federal Family Education Loans (including Sallie Mae student loans). Borrowers will still be required to pay their monthly bill, but the payments will go towards a principal balance instead of interest.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>On March 27th, the CARES Act, a $2 trillion coronavirus stimulus package, was signed into law, allowing you to <a href="https://www.forbes.com/sites/zackfriedman/2020/03/28/student-loans-payments-suspended/#49e63fcd1b10"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>waive all federal student loan payments</span></a> until September 30.<span style='border:none windowtext 1.0pt;padding:0in'> Unlike the <a href="https://www.thesimpledollar.com/loans/trump-student-loan-interest-waiver-coronavirus"><span style='color:#00A600'>automatic interest waiver</span></a>, however, you will need to request this administrative forbearance from your student loan servicer in order to receive it.</span><o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>The office of Federal Student Aid recommends contacting your loan servicer as soon as possible if you’re struggling to make payments.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>If you’re concerned about your studies or loan repayment during the outbreak, the Federal Student Aid’s site answers <a href="https://studentaid.gov/announcements-events/coronavirus" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>several important questions</span></a> for students, borrowers and parents. The site will be adding information for students, borrowers, and parents on its page on a regular basis.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Is a stimulus check coming in the mail soon?<o:p></o:p></span></h2><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>For most Americans, yes. On March 27th, a $2 trillion coronavirus stimulus package called the CARE Act was signed into law by President Trump, which will grant a <a href="https://www.nytimes.com/article/coronavirus-stimulus-package-questions-answers.html"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>one-time payment of $1,200</span></a> to single adults with Social Security Numbers who have an adjusted gross income of $75,000 or less. Married couples with no children who earned $150,000 or less would receive a payment of $2,400. Families with children will receive an additional payment of $500 for every child age 16 or under.<o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>The income calculation will come from your 2019 federal tax return; if you haven’t filed yet, you can use your 2018 return. The payment, which is expected to <a href="https://www.nytimes.com/2020/03/25/world/coronavirus-news-live.html#link-6b422738"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>arrive within three weeks</span></a> for most people, will be distributed to the bank account you’ve set up with IRS via direct deposit. Otherwise, you would receive a check.<o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'>Military, veterans, and unemployed people are eligible for these stimulus checks, as well as people who receive Social Security and disability payments.<o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>What can you do if you’re not a customer of a company currently advertising assistance?<o:p></o:p></span></h2><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>1. Talk with your employer<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Some companies have also been responding to this pandemic by expanding sick leave policies and creating safety nets for affected employees. Before resigning to falling behind on your bills, try communicating with your employer to see if they can offer any other options.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://blog.aboutamazon.com/working-at-amazon/covid-19-update-more-ways-amazon-is-supporting-employees-and-contractors" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Amazon announced</span></a><span style='border:none windowtext 1.0pt;padding:0in'> a new policy on Wednesday in response to the pandemic, offering part-time and full-time employees additional time off for illness or quarantine related to COVID-19.</span><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>2. Reach out to your credit card company<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Even if your credit card issuer has not formally released a statement of support, if you are at risk of missing a payment it is worthwhile to contact the company to discuss your options. The FDIC advises on its </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.fdic.gov/consumers/consumer/news/cnsum11/disasterrecovery.html" target="_blank"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>website</span></a><span style='border:none windowtext 1.0pt;padding:0in'>: “Your creditors will likely work with you on a solution, but it’s important to contact them as soon as possible and explain your situation.”</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Late payments can hurt your </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.thesimpledollar.com/credit/credit-score/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>credit score</span></a><span style='border:none windowtext 1.0pt;padding:0in'> and pile on extra charges and fees so getting ahead of the issue will save you down the road.</span><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>3. Consider a balance transfer<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>If you’re concerned you will only be able to make minimum payments on your debt with a high interest rate, a credit card that offers balance transfer could be a helpful tool. </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.thesimpledollar.com/credit-cards/blog/utilizing-balance-transfer-credit-card-offers/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Transferring your credit card balance</span></a><span style='border:none windowtext 1.0pt;padding:0in'> from another card has pros and cons, but if you are a good candidate for the move, it could save you money on interest and buy you some time to repay your debt within the introductory rate period. </span><o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>How can U.S. financial institutions better support consumers?<o:p></o:p></span></h2><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>These measures are an important start to getting people the help they need, but the financial impact of the crisis is spreading along with the virus. </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>We asked experts what more could be done to protect consumers, as well as the economy: </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Raise awareness of scams<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Chane Steiner, CEO of </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://www.crediful.com/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Crediful</span></a><span style='border:none windowtext 1.0pt;padding:0in'>, urges leaders to educate consumers on the dangers of investment fraud in this time of panic. He told us that these scams “will become a major issue as fraudsters try and trick people into making unsound investments out of desperation. Oftentimes they may claim that their proposal is the only ‘safe’ place to put money.”</span><o:p></o:p></span></p><h3 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Take cues from other countries<o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>“In Europe in particular, several large banks are allowing homeowners to delay mortgage payments during the crisis. This is an extremely important gesture, since it allows people to keep up with daily expenses while they are out of work. Since most people do not work from home, a drop in income while quarantined can be devastating.” Steiner also recommends that the U.S. follow suit.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h3 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.5rem;box-sizing: border-box'><span style='font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Support small businesses</span><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><o:p></o:p></span></h3><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Dennis Shirshikov, a Financial Analyst at </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="http://fitsmallbusiness.com/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>FitSmallBusiness.com</span></a><span style='border:none windowtext 1.0pt;padding:0in'>, suggests that banks should support the owners of small businesses “by moving services out of the branch and getting them on the ground.”</span><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>“While most national banks are not well-positioned to address this issue, local banks and credit unions can organize small business owners around these initiatives. By picking up deposits, exchanging money, and moving more transactions out of the bank, small business owners can continue to work and operate for the community,” Shirshikov says.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><h2 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.875rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Experts cited<o:p></o:p></span></h2><h4 style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.25rem;box-sizing: border-box'><span style='font-family:"Arial",sans-serif;color:#1B2D3F'>Chane Steiner<o:p></o:p></span></h4><p class=MsoNormal style='background:white;vertical-align:baseline'><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'><img border=0 width=150 height=150 style='width:1.5625in;height:1.5625in' id="Picture_x0020_2" src="cid:image002.png@01D6073D.03F20340" alt="Chane Steiner"><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Chane Steiner is the CEO of <a href="https://www.crediful.com/"><span style='color:#00A600'>Crediful</span></a>, a personal finance website dedicated to helping people make educated financial decisions. Follow Crediful on <a href="https://twitter.com/crediful" target="_blank"><span style='color:#00A600'>Twitter</span></a>.</span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'> <o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'> <o:p></o:p></span></p><p style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:18.75pt;margin-left:0in;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'> <o:p></o:p></span></p><div style='margin-top:18.75pt;margin-bottom:18.75pt'><div class=MsoNormal align=center style='text-align:center;background:white;vertical-align:baseline'><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'><hr size=3 width="100%" align=center></span></div></div><h4 style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-stretch: inherit;font-size:1.25rem;box-sizing: border-box'><strong><span style='font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Dennis Shirshikov</span></strong><span style='font-family:"Arial",sans-serif;color:#1B2D3F'><o:p></o:p></span></h4><p class=MsoNormal style='background:white;vertical-align:baseline'><span style='font-size:11.5pt;font-family:"Arial",sans-serif;color:#1B2D3F'><img border=0 width=149 height=149 style='width:1.552in;height:1.552in' id="Picture_x0020_1" src="cid:image003.jpg@01D6073D.03F20340" alt="Dennis Shirshikov"><o:p></o:p></span></p><p style='margin:0in;margin-bottom:.0001pt;background:white;vertical-align:baseline;font-style:inherit;font-variant:inherit;font-weight:inherit;font-stretch: inherit;line-height:inherit;box-sizing: border-box'><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F;border:none windowtext 1.0pt;padding:0in'>Dennis Shirshikov is an expert in small business financing for </span><span style='font-size:11.5pt;font-family:inherit;color:#1B2D3F'><a href="https://fitsmallbusiness.com/"><span style='color:#00A600;border:none windowtext 1.0pt;padding:0in'>Fit Small Business</span></a><span style='border:none windowtext 1.0pt;padding:0in'> whose work has appeared in publications like USA Today, the Wall Street Journal, and Bloomberg. Follow Fit Small Business on <a href="https://twitter.com/FitSmallBiz" target="_blank"><span style='color:#00A600'>Twitter</span></a>.</span><o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>