She advises that borrowers make sure they are speaking to a bankruptcy attorney who understands student loan bankruptcy, which requires a different proceeding than other types of bankruptcy. “But they may not be successful at discharging their loans.”įor borrowers who show that level of financial strain, chances are they have other options, Rodriguez said. “That doesn’t mean people shouldn’t look into it,” Rodriguez said. Borrowers must prove a very hard standard of financial circumstances, called “undue hardship.” That means tough decisions for many borrowers, especially those in already-difficult financial situations.Įxperts say that delinquency and bankruptcy should be options of last resort, and that deferment and forbearance - which pause payments, though interest may continue to accrue - are often better in the short term.įor most student loan borrowers, it’s still very difficult to have your loans discharged, or canceled, through bankruptcy. But payments will resume regardless of what justices decide. Millions are also waiting to find out whether the Supreme Court will allow President Joe Biden’s student loan forgiveness plan to go ahead. More than 40 million Americans will have to start making federal student loan payments again at the end of the summer under the terms of a debt ceiling deal approved by Congress. It might seem tempting to just keep not making payments, but the consequences can be severe, including a hit to your credit score and exclusion from future aid and benefits. Student loan interest will start accruing on September 1 and payments are starting in October. The film, which the network purchased from the United Film Organization, had solely been marketed with onair promos.NEW YORK (AP) - After three years, the pandemic-era freeze on student loan payments will end soon. On November 24, 2001, the Sci Fi Channel's debut airing of Epoch garnered a 2.3 rating, or 1.7 million household, becoming the network's highest-rated original movie, surpassing the miniseries Frank Herbert's Dune (2000). Joseph Patrick Kelly - Control Tech (as Joe Kelly).Four months later, Rand, now cured after his exposure to Torus, receives from Czaban the news that she is pregnant, despite being sterile before their encounter with the alien artifact. However, the Torus absorbs the blast and, seemingly satisfied by the extreme sacrifice attempted by the two scientists, ceases its actions, sheds its external shell and, in the form of an energy sphere, leaves Earth. Fomented by NSA agent Allen Lysander (Ryan O'Neal), conflict explodes between the troops of the two factions and the Torus reacts, blanketing the planet with a thick cloud cover, evidently starting the process for a new mass extinction.īy Presidential order, the US soldiers plant a nuclear bomb inside the Torus to destroy it, and Czaban and Rand unsuccessfully try to deactivate the device to keep it from detonating. They discover how ancient the artifact is and speculate it could have been the spark of life on Earth, as well as the cause of multiple extinctions in the course of the eras. Unsuccessful diplomatic negotiations escalate the tension in the area between Chinese and US armed forces, while inside the Torus the scientific team goes to the core of the huge machine. The US team enters the Torus, but an air strike by the Chinese Army against the artifact prompts an unexpected response from the object, which destroys two Chinese military planes and kidnaps a US soldier. The team finds the artifact suspended in the air and object of veneration from the natives, who call it the Torus and consider it a gift from the gods with extraordinary healing properties. Czaban (Stephanie Niznik) with the technical assistance of terminally ill engineer Mason Rand (David Keith), picked up on the Mexican border in time for the mission. In modern times in the mountains of Bhutan, a huge artifact makes its way to the surface, producing a powerful electromagnetic pulse causing worldwide blackouts.Īlarmed by the electromagnetic phenomenon and under request of the government of Bhutan, the American NSA launches a military and scientific reconnaissance operation on site, led by Dr. Four billion years ago, before life had developed on Earth, a cosmic object fell in the seas of our planet.
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