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Ask Brianna: How do I get my student loans back on course?

Q: I fell behind on my student loan payments, and I’m ready to get them back on schedule. Where do I start?
A: I’ll be honest: Restoring your loans to good standing won’t be a gentle, painless process. But there are options to get your loans and credit score back on track, and there are people out there who will help, starting with me.
For some borrowers, wanting to feel less stressed and anxious is the rationale for addressing their debt. For others, the catalyst is a big life change. Stanley Tate, a student loan attorney based in St. Louis, says his clients are often about to get married, buy a house, return to school or retire. Poor credit and unpaid loans are holding them back.
Here’s how to use the motivation you feel to take action on your loans right now.
FIGURE OUT IF YOUR LOANS ARE FEDERAL OR PRIVATE
Repayment options and strategies differ dramatically depending on the type of student loans you have.
If you have federal loans, they’ll be listed in the government’s National Student Loan Data System . You’ll also see your servicer, the company that collects payments and helps you enroll in repayment programs.
Private loans, originated by banks, credit unions or state loan programs, should be listed on your credit report. Access it for free from each of the three credit bureaus once a year at AnnualCreditReport.com.
RESTART REPAYMENT IF YOU’RE A FEW MONTHS BEHIND
If you’ve missed one or two federal loan payments, your account is considered “delinquent.” You have 90 days to catch up before those missed payments are reported to the credit bureaus, which will negatively affect your credit.
Most federal loans don’t go into “default” until you’ve missed payments for nine months. That’s when the scary stuff starts to happen: The government can collect unpaid loan debt by taking money directly from your paycheck, tax refund and Social Security check.
Before you go into default, consider switching to an income-driven repayment plan . That will lower your bill to a more manageable amount. You can sign up for one of these plans for free on studentloans.gov or by working with your servicer.
Private student loans can go into default as soon as you miss a payment; the loan may be “charged off” and sent to a collection agency 120 days later. Late payments followed by a “charge-off” can badly damage your credit — and the debt must still be repaid. Both private and federal loans in default can incur late and collection fees. Call the lender right away to discuss your options. If the debt hasn’t been charged off yet, ask to reduce your payment temporarily in order to stay current.
CHOOSE AN OPTION FOR ADDRESSING DEFAULT
According to U.S. Department of Education data released last month, 11.5 percent of federal loan borrowers who entered repayment between Oct. 1, 2013 and Sept. 30, 2014 defaulted on those loans by September 30, 2016. If you’re one of those federal loan borrowers in default, you have two solid options for getting out of it: rehabilitation and consolidation. For help determining which is better for you, contact the Education Department’s Default Resolution Group at 1-800-621-3115.
Rehabilitation requires you to make nine income-based payments on a defaulted loan within 10 months. Afterward, you’ll still see late payments on your credit report, but the record of default will be removed. That could increase your credit score by about 25 points, says Persis Yu, director of the Student Loan Borrower Assistance Project at the National Consumer Law Center. Consolidation can bring your loan out of default status within a few months, but the record of default will stay on your credit report.
Private lenders generally don’t offer specialized programs for getting out of default. They may send you offers to settle the debt, and if you ignore them, they may sue you to collect it.
If your private loan is in default, consider working with an attorney who understands student loan law. Search for a free or low-cost legal aid clinic on LawHelp.org. The National Association of Consumer Advocates lets you search for consumer attorneys near you, too.
“Ask Brianna” is a column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to askbrianna@nerdwallet.com.

Cooking on Deadline: Try tasty Cauliflower with Sesame Drizzle

Food writers (and I include myself) are often talking about what new things you can do with that package of chicken breasts or that pound of ground beef to get out of the same-old, same-old cooking rut. But we might not spend enough time talking about what to do with that head of cauliflower or broccoli. We can all feel as uninspired looking at those stoic spheres as we do with our proteins, right?
So off we go, on the hunt for a new and simple side dish. This is definitely one to keep in mind when you’re making a stir fry or other Asian-influenced dish. It’s especially useful since you can make the drizzle ahead of time, pop the vegetable in the oven, and get to work at the stove making the rest of the meal. The cauliflower or broccoli needs no attention as it roasts, only the sound of the buzzer to remind you to take it out of the oven.
CAULIFLOWER WITH SESAME DRIZZLE
Start to finish: 30 to 35 minutes
1 large (1¾ pound) head cauliflower (or substitute the same amount of broccoli heads)
2 Tbsp. olive oil
Kosher salt and freshly ground pepper to taste
2 Tbsp. untoasted sesame seeds (optional)
Kosher salt and freshly ground pepper to taste
2 Tbsp. soy sauce
1 Tbsp. toasted sesame oil
1 tsp. honey
1 tsp. Sriracha sauce
Preheat oven to 400 F. Cut cauliflower into florets. Place cauliflower on a rimmed baking sheet and drizzle with olive oil. Toss well, and then sprinkle with salt and pepper. Roast for about 25 minutes, until crisp-tender and browned at the edges.
Meanwhile, if you are using the sesame seeds, heat a skillet over medium heat. Add sesame seeds and stir frequently for about 1 or 2 minutes, until they start to become golden; don’t let them get too brown. Transfer to a plate.
In a small bowl, combine soy sauce, sesame oil, honey and Sriracha sauce. When cauliflower is roasted, transfer to a serving platter and drizzle the sauce over it (or pass the sauce on the side for everyone to drizzle over their own portion). Sprinkle the top with sesame seeds, if desired, and serve hot or warm.
Serves 4
Nutrition information per serving: 145 calories; 87 calories from fat; 10 g fat (1 g saturated; 0 g trans fats); 0 mg cholesterol; 490 mg sodium; 12 g carbohydrate; 4 g fiber; 6 g sugar; 5 g protein.

Plans to attend bachelor party cause man’s girlfriend angst

DEAR ABBY: My boyfriend of two years will be attending a bachelor party in Las Vegas. We’ve never had any issues of infidelity, yet I can’t help but feel anxious about his upcoming trip. I know the scene that exists in Vegas — I’m in my mid-20s and I enjoyed my trips there when I was younger and single. I’m worried about him and his friends going to strip clubs, topless pool parties, etc. I don’t mind him enjoying a trip and going out with the boys, but I think attending an event with nudity is disrespectful to the other ...

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Metal Shark delivers vessels to D.C.

The first two passenger vessels built by Louisiana-based shipbuilder Metal Shark for Entertainment Cruises’ Potomac Riverboat Co. division have been delivered to Washington, D.C., and are now in service, Metal Shark said in a news release.

Ship-building, which the U.S. Bureau of Labor Statistics says employed nearly 1,100 people in St. Mary as recently as two years ago, continues to boost a local economy stung by low energy prices.

The two 88-foot, 149-passenger high speed aluminum catamaran vessels Potomac Taxi I and Potomac Taxi II departed Metal Shark’s Franklin shipyard in mid-September, traveled the Gulf of Mexico coastline and crossed Florida via Lake Okeechobee before proceeding northward up the Atlantic coast to Washington, D.C.

Both vessels commenced operations Thursday, with runs from Georgetown and Alexandria to The Wharf in Washington D.C. for a grand opening ceremony hosting Washington D.C. Mayor Muriel Bowser and members of the media.

The new vessels will provide commuters in the Washington D.C. metro region with service between Old Town Alexandria, Virginia; National Harbor, Maryland; and Georgetown and The Wharf in Washington DC. Potomac Riverboat Company parent Entertainment Cruises is the nation’s largest dining and sightseeing cruise company, with a fleet of 30 ships operating in over a dozen major US cities.

“From the start, the Metal Shark team has been professional, organized, diligent and skilled. They have done an excellent job of communicating with our team and working together to keep the project on track,” said Entertainment Cruises CEO Kenneth Svendsen. “We have been pleased with the workmanship and attention to detail by all involved. Above all else, we can tell Metal Shark has a commitment to process and to doing things the right way.”

Wheel House for Oct. 18

POWER OF PINK
Presentation by New Revelation Dance Ministry and The Pink Panthers at 6:30 p.m. Oct. 21, Siracusa Recreation Building, 1110 Grace St., Siracusa Subdivision. Honorees Michael Broussard, Samuel Blair and Sonya Washington. Free and public invited.

ARISE WOMEN
Ministry bible study 5:30 p.m. Thursday, Oct. 26, Siracusa Recreation Building. Featuring works by Priscilla Shirer.

Tdap vaccine during pregnancy reduces newborn pertussis risk

EDITOR’S NOTE: This an article by local Centers for Disease Control Sentinel Physician Dr. Robert P. Blereau of Morgan City.
A recent study found that vaccinating pregnant women with the tetanus, diphtheria and acellular pertussis vaccine during their third trimester was nearly 78 percent effective in preventing pertussis in their infants younger than 2 months of age.
The reason for using the Tdap triple-combination vaccine is because no single pertussis vaccine is being manufactured.
Infants younger than one year old are at the highest risk for severe complications of death from pertussis.
Typically, between five and 15 babies die from whooping cough each year in the United States.
Most deaths are in those too young to be protected by getting their own whooping cough vaccine, which begins at two months of age.
Before the pertussis vaccine was introduced in the 1940s, more than 200,000 cases of pertussis were reported in the United States each year.
After the vaccine was introduced, pertussis cases dropped to fewer than 10,000 by 1965 with the lowest number of just over 1,000 reported in 1976.
Starting in the 1980s, however, pertussis cases began to rise again with a peak of more than 48,000 cases in 2012.
That year the Centers for Disease Control began recommending women get a pertussis vaccination during each pregnancy, with a subsequent drop in the number of cases.
So far in 2017, more than 11,000 cases have been reported.
Less than half of pregnant women who delivered infants in the United States between 2015 and 2016 received the Tdap vaccine.
The CDC recommends pregnant patients receive Tdap vaccine during every pregnancy, preferably during gestational weeks 27 through 36, to protect infants from pertussis in their first months of life.
This vaccination timing results in the greatest transfer of protective antibodies from mother to infant and provides the best protection.

Rotary Club happenings

Submitted Photo
Morgan City Rotary Club members heard from Jacki Ackel with the Berwick Lighthouse Festival at a recent luncheon. From left are Brian Thorguson, Morgan City Rotary Club president; Ackel; and Cherie Laiche, Morgan City Rotary program director.

Police: Woman arrested on drug charges after home search

A 36-year-old Morgan City woman was caught with Subutex and cash allegedly obtained from illegal drug sales after a home search Tuesday, Morgan City Police Chief James Blair said in a news release.

—Amanda L. Smith, 36, of Everett Street in Morgan City, was arrested at 10:51 p.m. Tuesday on charges of possession of Subutex with intent to distribute and transactions involving proceeds from drug activity.

Investigators with the Morgan City Police Department Narcotics Division with the assistance of the St. Mary Parish Narcotics Section executed a search warrant on a home in the area of Everett Street. During the investigation, Smith was developed as a suspect.

Investigators located suspected Subutex and found evidence that the drug was destined to be sold in illicit sales, Blair said. Investigators also located $640 in cash and found evidence that a portion of the money was derived from illicit sales of narcotics, Blair said. Smith was jailed.

Blair reported responding to 37 calls and reported the following arrests:

—Leigha Duay, 28, of Pacetti Street in Morgan City, was arrested at 6:17 p.m. Tuesday on charges of possession of drug paraphernalia and improper turning.

—Skye Guillory, 22, of Pleasant Street in Morgan City, was arrested at 6:17 p.m. Tuesday on charges of possession of marijuana and possession of drug paraphernalia.

—Joshua Haywood, 33, of Franklin Street in Morgan City, was arrested at 6:17 p.m. Tuesday on charges of possession of marijuana and possession of drug paraphernalia.

Narcotics division investigators observed a vehicle negotiate an improper turn in the area of Railroad Avenue. A stop was initiated and Duay was identified as the operator of the vehicle. Guillory and Haywood were occupants of the vehicle.

Guillory and Haywood were in possession of suspected marijuana and drug paraphernalia, and Duay was in possession of drug paraphernalia, Blair said. Duay, Guillory and Haywood were jailed.

—Danielle Pellegrin, 31, of Fourth Street in Morgan City, was arrested at 7:18 p.m. Tuesday on charges of possession of Subutex and improper turning.

Narcotics division investigators observed a vehicle negotiate an improper turn in the area of Freret Street. A stop was initiated, and Pellegrin was identified as the operator of the vehicle.

Pellegrin was in possession of suspected Subutex, Blair said. Pellegrin was jailed.

St. Mary Parish Sheriff Mark Hebert reported responding to 41 complaints and reported the following arrests relating to east St. Mary Parish:

—Shawn Harding, 47, of Peggy Street in New Iberia, was arrested at 5:23 p.m. Tuesday on a charge of simple burglary of a vehicle.

Detectives received information of a vehicle burglary that occurred on Evergreen Avenue in Bayou Vista Saturday morning. Based on that information, detectives developed Harding as a suspect in the case.

Working together with detectives of the Morgan City Police Department, investigators collected evidence that Harding stole a purse and wallet from the victim’s vehicle, Hebert said.

Harding was booked into jail and later released on recognizance bail.

—Claiborne Sauce, 46, of Taryn Lane in Franklin, was arrested at 8:31 p.m. Tuesday on charges of disturbing the peace intoxicated and remaining where forbidden.

Deputies responded to a call for service regarding a disturbance at a home in Ricohoc. While speaking with Sauce at the location, deputies smelled the odor of an alcoholic beverage on him and observed other indicators of impairment, Hebert said.

Deputies also learned that Sauce refused to leave the home after being asked to do so by the resident, the sheriff said. Sauce was jailed with no bail set.

—Walter Fowler, 54, of Fifth Street in Morgan City, was arrested at 10:51 p.m. Tuesday on a warrant for failure to appear on the charge of possession of Schedule I drugs. A correctional deputy transported Fowler from the Iberia Parish jail to the St. Mary Parish Law Enforcement Center for booking. No bail is set.

Berwick Police Chief James Richard reported no arrests.

Patterson Police Chief Patrick LaSalle reported no arrests.

PSB gift to Project Graduation

Submitted Photo
Cindy Cart, assistant vice president with Patterson State Bank, presents a donation on behalf of the bank to Patterson High School seniors (from left) Ashlynn Rock, Hayden Pinho, Tapanga Haven, Kiora Grady and Madison Paul as well as Project Graduation President Kelly Paul Jennings (third from left) and Project Graduation Secretary Vanessa Pinho (second from right). Each year, Patterson Project Graduation provides a safe celebration for graduating seniors held after graduation night each year. Donations and parent volunteers help to make the event successful year after year.

Teche Regional Stars of the Quarter

Submitted Photo
Teche Regional Medical Center held its Stars of the Quarter ceremony for the third quarter Oct. 11 at Café Teche. Employees were nominated by their fellow employees. Jerry Dooley, interim CEO, is pictured with the winners. The Non-Clinical Star of the Quarter is Antoinette Washington from the Dietary Department. The Clinical Star of the Quarter is Mereida “Me Me” Bochas from the Med/Surg Department. The Manager Star of the Quarter is Cassie Gaudet, drector of the Med/Surg Department.

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