LINCOLN, Neb. - Student-loan forgiveness has become an increasingly popular scam targeting young adults, and as an October deadline looms, consumer advocates are warning people to watch their wallets.

Tami Barrett, Lincoln and greater Nebraska branch manager with the Better Business Bureau, said she expects to see an uptick in fraudulent activity this fall as the current COVID-19 pause in federal student-loan payments draws to a close on October 1.

"A lot of people think it's just older people," said Barrett. "But actually the (Federal Trade Commission) and the Better Business Bureau reveal that 44% of people who actually get scammed are between the ages of 20 and 29 years old."

By comparison, just 20% of people between 70 and 79 have lost money to fraud.

People with student loan debt present a giant target for scammers. According to the U.S. Department of Education, 43 million student-loan borrowers in the U.S. owe a total of $1.6 trillion in student loans.

The average U.S. household with student loans owes more than $57,000, with women and people of color holding the most debt.

Barrett said scammers are likely to offer loan holders free extended forbearance and fake "President Biden loan-forgiveness plans." She said the object of the scams is to steal young adults' money or their identities.

Still, Barrett said there are ways to avoid falling prey to scammers.

"Never agree to upfront fees," said Barrett. "It is in fact illegal to charge an upfront fee for the service of lowering federal student-loan payments or reducing student-loan debt."

President Joe Biden campaigned on canceling student debt, and earlier this month the U.S. Department of Education canceled nearly $56 million in student-loan debt, mostly connected to institutions engaging in misconduct, such as promising jobs or falsely claiming credits would transfer to universities.

If you think you've been targeted, the Better Business Bureau offers an interactive scammer tracking tool at 'BBB.org/ScamTracker.'




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Ohio's charter schools have been a topic of debate for more than two decades, with strong opinions on both sides.

Charter schools operate independently of traditional public school districts, often promising more flexibility and innovation. However, concerns about funding persist.

Steve Dyer, former chair of the Ohio House Finance Committee and member of the Ohio Coalition for Equity and Adequacy of School Funding, highlighted a new report exploring the significance of charter schools in Ohio which pointed out nearly half of all charters in the state have closed.

"Ohio's charter school experiment, which is now about 25 years old, has been an utter failure," Dyer asserted. "Because the state has so heavily invested in charter schools, the average charter school student gets more than double the amount of state funding that a kid in a local public school gets."

Dyer's concerns focus on the disparity in funding between charter and traditional public schools, with charter students receiving significant state support despite some schools underperforming.

According to the Ohio Department of Education, charter schools have higher closure rates, with nearly 50% of them closing by their 10th year. Critics argue the financial investment in a less stable educational system could take away from local public schools, which rely on a combination of state and local funding.

Others contended charter schools offer parents additional choices in educating their children.

William Phillis, executive director of the Ohio Coalition for Equity and Adequacy of School Funding, stressed the quality of the options is critical.

"There's no qualifications established by the state of Ohio," Phillis pointed out. "Many operators have no clue as to what education is all about, have no clue in some cases how to operate a business. They just see it as a financial opportunity."

Ohioans remain divided on whether charter schools deliver on their promises. On one side, advocates believe in the value of offering educational options to parents. On the other, opponents question the sustainability and financial strain on the broader public education system.


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Following a Georgia high school shooting in early September, there's been a surge in school threats across the country.

In South Dakota, safety experts are teaching people to report threats - and teaching schools how to field them.

In mid-September, a threatening social media post caused the Meade School District to move into "secure" status.

After it was proven to be noncredible, County Sheriff Pat West pointed out that social media shares "spread like wildfire," and make investigations much more difficult.

Brett Garland is director of the South Dakota School Safety Program, within the Office of Homeland Security. He advised people to - "report, don't repost."

"We would prefer that schools, parents, students, community members, immediately get in touch with their law enforcement agency if they receive information regarding a threat," said Garland. "Definitely we would prefer they not share those threats in any way."

An anonymous tip line for concerns in South Dakota, called "Safe2Say," is available online or by phone 24/7.

Threatening a school, school transit or other place of assembly is a Class 4 felony in South Dakota.

The School Safety Center offers behavioral threat assessment training, teaching school staff and educators to recognize potential flags for violent behavior.

Garland said more than 200 schools have already participated.

"This training that will help schools," said Garland, "hopefully interrupt somebody on that pathway to violence, before it gets to any sort of active attack."

He said school staff learn to develop a "multidisciplinary behavioral threat assessment team," to identify and evaluate threats before deciding on the right intervention.

But he added that there's no specific profile for someone who may be making threats.



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Custodians are often the unseen workers who ensure school buildings operate but in Washington state, understaffing can make their work difficult.

Custodians run a gamut of tasks in schools from cleaning to maintenance.

Amanda Shull, head custodian at Kentlake High School in Kent and a member of the American Federation of Teachers Kent Classified, said when there is not enough staff, they have to pick up more tasks during the day.

"I have to say that all the time: we are understaffed," Shull emphasized. "Somebody called out today and we weren't sent any help. So, it greatly affects us because receiving that extra task determines the rest of our day."

A report from the League of Education Voters found Washington state lawmakers are struggling to properly fund the state's 295 school districts. While the state has increased spending on staff, the costs for other items like food, repairs and natural gas have gone up at an even faster rate since the start of the pandemic.

Shull noted her staff often works out of sight of the rest of the people at the school.

"People see me but you never see the real ones that come after school is out, after the events are over, the quiet ones that clean up and make everything presentable for the next day so classes can happen," Shull explained.

Shull stressed the lack of proper funding affects custodians in other ways, such as with equipment shortages. She added she always tells her team when a teacher or student offers appreciation for their work.