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Student loans

All collections on defaulted loans have stopped, that includes wage, social security, and other garnishments

  • Talk to your employer
  • Automatic payment suspension until Sept
  • Borrowers should turn off their autopay – contact servicer or go online so they aren’t
    paying when they don’t owe anything
  • As long as borrowers are not in forbearance, they don’t lose their credit
  • DoE is hosting a call this afternoon
  • Do not choose the emergency forbearance and turn off your autopsy
  • Commercial loans are not included
  • No coverage for Perkins loans
  • Private student loans not included

Best tips

Turn off your autopay – no one is in the offices to help, so do it online!

Q: On emergency forbearance?

  • The forbearance was the immediate solution, we have a longer-term solution now
  • Reach out to your borrower on social media or email and have them stop the
    forbearance

Q: Any upside to continuing payment?

  • The upside is if you’re paying off your loan
  • If you’re working for loan forgiveness, you’re better off saving your money
  • If your wages are being garnished, you have to contact your employer to lift the
    garnishment
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March 16th 2019

OFFICE TEMPORARILY CLOSED

The safety of our members and staff is our number one priority at Make the Road. Out of precautionary measures, and recommendations of the Centers for Disease Control and Prevention, we will be redirecting our staff to work remotely for the week of March 16th and will temporarily close our office doors for the time being. We will continue to assess and monitor the health situation on a weekly basis.

We have put together a list of resources for anyone affected by recent events do to the COVIN-19. You can find those resources on our Resource page in English here and in Spanish here.

Please do not be alarmed as our mission of building the power of Latinx and working-class communities of color to achieve dignity and justice still continues. Our team will remain available to our community digitally through email amigxs@maketheroadnv.org or by phone. Leave a voicemail at (702) 907-1560 with your full name and best return contact information so that one of our organizers may call you back.

We will be sharing important resources on our social media and website to keep the community up to date with important information. We want to remind the community you are not alone and we are all here together.

¡El pueblo unido jamás será vencido! The people united will never be divided!

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The Trump administration has proposed fee changes to the United States Immigration and Citizenship Services (USCIS) applications, increasing the fee on naturalization by almost 200% among others.

By proposing this change, the administration is putting a class barrier on legal pathways of immigration that will disproportionately affect Latinx immigrants. So far, these are proposals but it is been estimated that, if approved the changes could go into effect as soon as March or April of this year. Ultimately, their plan is to take the increased income generated from the immigrant community to fund ICE to continue its terror campaign on our communities. 

The most drastic change in fees is for the naturalization application and the application filed for DACA, which is used when permanent residents meet the time requirement to apply for citizenship. By increasing the fee, it will disenfranchise these immigrants for longer, immigrants that could be using their vote to stand up to anti-immigrant politicians threatening their families and livelihoods. The pathway to citizenship is already full of obstacles, something that’s been referred to in a Times article as an “invisible wall”, with fees and wait times making it almost impossible for some immigrants to do it the “right way”. 

The fees for DACA renewals are subject to change from $495 to $760 if the proposal goes through, the change would cause many to lose their protections due to financial barriers. DACAmented immigrants rely on this work permit to pay bills, mortgages and tuition. Many young DACAmented students don’t qualify for most scholarships or financial aid because of their legal status. Adding this additional financial burden is clearly meant to discriminate against low-income Latinx immigrants. Since last year we have been fundraising to provide DACA renewal scholarships for local DACA recipients, in total we were able to give out 64 scholarships. 

We continue to fight for dignity and respect for immigrants in this country. If you need help with your DACA renewal reach out to us. MRNV has started The Las Vegas Dream Fund specially for DREAMers in Nevada that are not able to pay the fees to renew their DACA application. 

 

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For Make the Road Nevada (MRNV), the new year has started off with a big fight for housing. Beginning Thursday, January 9th, the Las Vegas community showed up to Mayor Carolyn Goodman’s State of the City to oppose her continued criminalization of the homeless population in Las Vegas. The following Wednesday the 15th of January, we showed up to protest against an addition to the homeless ban ordinance at the City Council meeting. In February, we will be celebrating our two year anniversary and officially launch our housing campaign. 

Every year, the mayor of Las Vegas addresses the status of the city, similar to the presidential State of the Union address, in a State of the City address. In the address, Mayor Goodman touted new projects coming to the Las Vegas area while defending the homeless ban first introduced last year, showing us once again that profits are being valued over people. While defending the homeless ban, Mayor Goodman cited the expansion of the Courtyard, a so called shelter that is outdoors, consists of park benches, and the equivalent of yoga mats for beds. 

The following Wednesday, MRNV members were once again protesting outside of city hall, this time to oppose the addition to the homeless ban to streets during sweepings, mentioned by Mayor Goodman in the state of the city. The new addition again consists of a thousand dollar fine and six months in jail. Not only has this never been a problem, but this is a clear demonstration of the war on the poor. A car would receive a $25-$100 fine for being parked during street sweeping. We know that someone who can’t afford a car should not be fined up to 40x more than someone who can afford a car and receive a misdemeanor offense. Sadly, the city council decided to vote in favor of commercial interests and against the people, further marginalizing the homeless community. Thank you to Olivia Diaz and Brian Knudsen for standing with our community.

 



 

We need leaders who stand with the people, housing should be a human right. Help us by joining this fight for just housing laws by coming to our Affordable Housing Committee on Friday at 1:00 pm At our Affordable Housing Committee, you will stay up to date with the latest actions going on in.. Help us celebrate our 2 year anniversary and the launch of our housing campaign on Feb. 15th. 

For more information, email us at amigxs@maketheroadnv.org or come to our weekly meetings. 

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English

La implementación del Proyecto de Ley 312 (SB312) del Senado comenzó el 1 de enero de 2020

El año pasado miembros de Se Hace Camino Nevada ,en conjunto con la coalición Time to Care NV (TCNV), reunieron esfuerzo para pasar días de enfermedad pagados para las familias trabajadoras de Nevada. El 12 de Junio del 2019 el Gobernador Sisolak firmó el proyecto de ley, SB312, y se hizo ley. El dia de hoy la ley ya está en efecto desde el primero de enero 2020, para empleados de negocios con más de 50 empleados. Quizás estás pensando qué significa esto para ti y como afectara su trabajo? Lee estas preguntas comunes sobre los días de enfermedad pagados:

Pregunta 1: Quién es elegible para los días de enfermedad pagados?

Respuesta: Empleados de tiempo completo y tiempo medio en negocios con más de 50 empleados

P2: Quien no son elegible para los días de enfermedad pagados?

R: Empleados que son temporal, estacional, y [on-call]; Negocios con una póliza equivalente a la ley. 

P3: Cuantos días de enfermedad tengo el derecho de recibir?

R: Tienen el derecho a .01923 horas por hora trabajada de tiempo de enfermedad pagada, acumolando a 5 dias al año.

P4: Como funcionara mis días de enfermedad pagados?

R:Tu empleador puede decidir proveer los días de enfermedad todos al mismo tiempo o deberá ir acumulando el tiempo antes de tomar los días. 

P5: Cuando puedo comenzar a usar días de enfermedad pagados?

R: Eres elegible para usar tus días de enfermedad pagados después de cumplir 90 días de empleados con un empleador y dependiendo si haz accumulado la minimas horas para usar los dias.  

P6: Cuanto tiempo de aviso tengo que dar antes de usar un dia de enfermedad pagados?

R: SB312 no pone requisitos fijos por uso con anticipación pero el empleador puede requerir aviso si se conocía de la cita anteriormente pero no limita el uso a última hora por emergencias.

P7: Te pueden negar tu dia de enfermedad pagado?

R: Tus días de enfermedad pagados no puede ser negado si tienes tiempo acumulado, ni te pueden requerir encontrar un reemplazo o tomar represalias en contra de ti por usar los días.

P8: Qué puedo hacer si mi empleador no me ofrece días de enfermedad pagados? 

R: Si su empleador no cumple con la nueva leya, llena un queja en este sitio: http://labor.nv.gov/About/Forms/FORMS_FOR_EMPLOYEES/

 También se puede comunicar con Make the Road Nevada para más ayuda sobre este tema. 

 

 

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Español

Senate Bill 312 (SB312) implementation Jan. 1, 2020

Last year Make the Road Nevada (MRNV) members along with the Time to Care NV (TCNV) coalition, rallied together in an effort to push for earned paid sick days for the working families in Nevada. On June 12, 2019, Governor Sisolak made it official when he signed SB312 into law. Fast-forward to now, SB312 took effect on January 1st for employers with more than 50 employees. You may be asking what this means to you and how it might affect your job? Here are a few frequently asked questions regarding earned paid sick days:

 

Q1: Who is eligible for earned paid sick leave?

A: Full-time and Part-time employees with employers who have more than 50 employees 

Q2: Who is NOT eligible for earned paid sick leave? 

A: Temporary, seasonal, and on-call employees; employers with less than 50 employees; and employers with matching or greater paid leave policies

Q3: How much paid sick leave am I owed? 

A: You are owed .01923 hours of paid sick leave per hour worked

Q4: How will my paid sick leave work?

A: Your employer must provide you with paid sick leave at the rate above either by earning it over time or front loading, depending on the employer’s discretion. 

Q5: When can I start using my earned paid sick leave?

A: You are eligible to use your paid sick leave after 90 days of employment and depending on workplace policies once you have earned the minimum increment to use a paid sick day.

Q6: How long do I have to give notice before using my paid sick leave?

A: SB312 does not set requirements for use of paid leave ahead of time but also does not restrict the use of last-minute notices for emergencies. 

Q7: Can my employer deny my paid sick leave? 

A: Your paid leave can NOT be denied if you have available paid leave, nor can you be required to find a replacement as a condition or be retaliated against for using paid leave.

Q8: What should I do if my employer is not providing paid sick leave if you are eligible?

A: If your employer is not complying with the new law, file a complaint at the following website: 

http://labor.nv.gov/About/Forms/FORMS_FOR_EMPLOYEES/

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FOR IMMEDIATE RELEASE: Sept 26, 2019

Rep. Alexandria Ocasio-Cortez Builds on Movement for Housing Justice in Nevada

LAS VEGAS —  On Wednesday, September 25th  Alexandria Ocasio-Cortez introduced sweeping legislation to address economic inequality. The package, called “A Just Society,” includes six bills that: provide housing justice for renters, update the definition of the federal poverty line, expand the social safety net to people who have been involved in the criminal legal system and immigrants, give preference to federal contractors who use just labor standards, and promote fair and just labor rights.

The legislation proposed comes on the same day as Mayor Carolyn G. Goodman drafted a new ordinance that criminalizes homelessness in Las Vegas. If approved the new ordinance will make it a misdemeanor to sleep on the public right of way and people can get fined up to one thousand dollars or 6 months in jail.

Make the Road Nevada (MRNV) and its members will continue to engage with local officials to ensure that we create laws that protect tenants, the homeless and address the housing crisis.

The bill package Congresswoman Alexandria Ocasio-Cortez presented includes a housing proposal that would make a difference for thousands of families in Nevada who are housing insecure.

“ Many people on the street are disabled and don’t seem to be getting their money quick enough. If the government would increase the money for housing and other needs there wouldn’t be too many people on our streets. We need the government to build a facility for the homeless, one where they feel safe “. said Diana Diaz, Make the Road NV member.

“ Over the next 10 years, the government should invest $800 billion in the development and rehabilitation of deeply affordable and public housing. Communities that have a high concentration of residents who are severely rent-burdened should be served first “. said Lalo Montoya, Political director for MRNV

Watch the NOW THIS Video to hear what a ‘Just Society’ means to some of MRNV’s members

Link: https://twitter.com/maketheroadnv/status/1177363009087262720

Download the Press Release Here

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On August 26-28th 2019 Make the Road Nevada showed up to the People’s Convention with the Center for Popular Democracy affiliates from across the country in Detroit with over 60 members.

On Friday, the first day for MRNV started with a march to the Cobo Center, where everyone was welcome with a party of people dancing to drums. As the event officially started everyone had the chance to hear from speakers like Ana Maria Archila, Linda Sarsour, Jennifer EppsAddison, and many others. Members from different organizations asked questions to presidential candidates, Elizabeth Warren, Bernie Sanders and Julian Castro. After a day full of inspiring speakers over 1500 leaders, 53 multi-issue, multiracial organizations from 131 cities, 34 states, DC and Puerto Rico marched down the streets in Detroit to battle injustice in Healthcare, climate, housing, immigration, and racial & gender justice. To view more photos visit People’s Convention Photo Gallery and Detroit March Gallery

 


 

 

 

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 Lea este artículo en Español

Make the Road Nevada members, as part of the Nevada Immigrant Coalition (NIC), created change for the immigrants of Las Vegas that aspire to own their own business one day.

Hearing after hearing during the 80th Nevada legislative session, MRNV & NIC members showed up in support for bill AB275 that would bring an equal opportunity to immigrant workers of Nevada. The result of a lot of hard work, was passing the most progressive immigrant bill in all of the United States, professional Licensure.

So what does this bill do? AB 275 allows state regulatory boards to license people with an Individual Taxpayer Identification Number(ITIN) as opposed to requiring a Social Security number(ssn). The passage of AB 275 opens the doors for immigrants to become entrepreneurs and break into career fields that were previously unavailable. Beforehand, only people with Deferred Action for Childhood Arrivals(DACA) recipients were eligible to receive a teaching licenses, and that was only introduced in Nevada after a bill was signed into law in 2015. No other state licensing board licensed regardless of immigration status even if other education requirements were met. The licenses now available can be seen below:

 

 

With countless new opportunities for the immigrants of NV, it may feel overwhelming to start. That’s why we did some research on how you can get certified by some of the licensure boards in Nevada. 

The first real step is deciding what business you want to open, for this example we chose a beauty salon. 

Step 1: Obtaining an ITIN

To obtain an ITIN, you need to apply for one from the Internal Revenue System (IRS)

https://www.irs.gov/credits-deductions/individuals/how-do-i-apply-for-an-itin 

 

Step 2: Beauty School

We contacted a couple of beauty schools from all across the Las Vegas valley, Paul Mitchel, Euphoria institute and Expertise are accepting students with the use of ITIN. However, without legal status, you will not qualify for financial aid.

 

Step 3: Take the Nevada Board of Cosmetology Exam and certification

Once you complete beauty school and take the state exam, the board requires a form of identification and the use of an ITIN. 

 

Step 4: Work at an established salon or begin your own salon

To start your own business, you need to go through some additional steps. Here are some helpful resources to get you started:

https://nevadasbdc.org/wp-content/uploads/2010/11/Empezar__su_negocio.pdf

http://business.nv.gov/Resource_Center/Nevada_Business_Start_Up_Guide/


Los miembros de Make the Road Nevada crearon un cambio para los inmigrantes de Las Vegas que aspiran a ser dueños de sus propios negocios algún día.

Miembros de Make the Road Nevada acudieron audiencia tras audiencia durante la sesión legislativa de Nevada número 80, los miembros de MRNV y NIC se presentaron para apoyar el proyecto de ley AB275 que brindaría la oportunidad de que inmigrantes indocumentados tengan su propio negocio. El resultado de mucho trabajo duro fue que finalmente se aprobara la ley de inmigración más progresista de todos los Estados Unidos.

Entonces, ¿qué hace este proyecto de ley? AB 275 permite que el consejo de licencias estatales otorguen licencias a las personas con un Número de Identificación de Contribuyente Individual (ITIN) en lugar de requerir un número de Seguro Social (SSN). La aprobación de AB 275 abre las puertas para que los inmigrantes se conviertan en empresarios y entren en campos profesionales que antes no estaban disponibles. De antemano, solo las personas con destinatarios de Acción Diferida para los Llegados en la Infancia (DACA) eran elegibles para recibir una licencia de enseñanza, y eso solo se introdujo en Nevada después de que se promulgara un proyecto de ley en 2015. Ninguna otro consejo estatal tiene el poder de otorgar licencias independientemente de el estado migratorio, aunque hayan cumplido otros requisitos de educación. Las licencias ahora disponibles se pueden ver a continuación:

 

 

Con innumerables nuevas oportunidades para los inmigrantes de NV, puede ser abrumador comenzar. Es por eso que investigamos cómo puede obtener la certificación de algunas de las juntas de licencias en Nevada.

El primer paso real es decidir qué negocio desea abrir, para este ejemplo elegimos un salón de belleza.

Paso 1: obtener un ITIN

Para obtener un ITIN, debe solicitar uno del Sistema de Impuestos Internos (IRS)

https://www.irs.gov/credits-deductions/individuals/how-do-i-apply-for-an-itin 

 

Paso 2:  Escuela de belleza (Ejemplo)

Contactamos a un par de escuelas de belleza de todo el valle de Las Vegas, Paul Mitchel, Euphoria institute y Expertise están aceptando estudiantes con el uso de ITIN. Sin embargo, sin estatus legal, no calificará para recibir ayuda financiera.

 

Paso 3: Realice el examen y la certificación de la Junta de Cosmetología de Nevada

Una vez que complete la escuela de belleza y tome el examen estatal, la junta requiere una forma de identificación y el uso de un ITIN.

 

Paso 4: Trabaje en un salón establecido o comience su propio salón

Para comenzar su propio negocio, debe seguir algunos pasos adicionales. Aquí hay algunos recursos útiles para comenzar:

https://nevadasbdc.org/wp-content/uploads/2010/11/Empezar__su_negocio.pdf

http://business.nv.gov/Resource_Center/Nevada_Business_Start_Up_Guide/

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As a part of Immigrant Heritage Month, we are highlighting the experience as an immigrant of our member leaders. Rosario Moreno is a founding member of Make the Road NV! She is a part of our “Familias Unidas” committee, that focuses on the economic justice for the working families in Nevada. She has taken an active role at weekly member meetings, as she cooks for all the members and even leads the discussions at times. Without Rosario’s contribution, we may not have been as successful in pushing bills through the Nevada legislator, or recruiting new people to the meetings. Her “Lucha es Fuerte!” and her determination was shown by going on four bus trips to Carson City, urging legislators to support Earned Paid Sick Days!

Rosario emigrated from Mexico City, Mexico, with her husband, with only one goal, providing a better life for her children. She was fleeing a life of poverty and knew that life in the United States was going to be something different, but definitively better. Her life in Mexico was hard, she was stuck in poverty like so many Mexicans that decided to search for opportunity across the border.

“Ahorra la vida es muy difícil con este señor que entró, ya hasta en la calle vamos atemorizados, vamos con miedo precisamente a causa de este señor…”

Since having moved here, Rosario has experienced a change in the treatment and the way immigrants are viewed in the US. She tells us that life for an immigrant has become more difficult and much more dangerous under the current administration compared to when she first arrived in the US. The rhetoric that President Trump spews has caused fear in so many contributing immigrants. She believes that immigrants, like her, contribute everyday just by going to work. She compares a day without immigrants in Las Vegas, would look like a ghost town. Her message to immigrants struggling under the current administration is “La unión hace la fuerza” meaning unity creates strength. There are power in numbers and we at Make the Road NV are here to make sure that our immigrant communities voices are united, strong, and heard!

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