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Why Did My Student Loans Disappear?

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Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans. 

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.

---

Source

Why did my student loans disappear why did my student loan payment increase why did my student loan decrease why did my student loan interest rate go up why did my student loan increase why did my iphone screen go black why did my dad leave me why did my browser change to yahoo why did twitch kill himself why did kelli giddish leave svu why did i get married why did amanda leave svu

Why Did My Student Loans Disappear?

Why Did My Student Loans Disappear?

What's happening

If Navient was your federal loan servicer, your loans have been transferred to Aidvantage.

Why it matters

With the federal loan pause ending in September, you'll want to know how to log into Aidvantage's website to view your student loan account.

What's next

The payment pause could be extended again, but we recommend verifying your Aidvantage account now, just in case.

Federal student loan repayments have been paused for more than two years, since the start of the pandemic. It's unclear if the pause will be extended again, and currently payments are set to resume in September. If you haven't logged into your student loan account since the payment freeze began, now is a good time to check in. 

If you had Navient federal student loans owned by the US Department of Education, your loans have moved to a new loan servicer. In 2021, Navient exited the federal student loan servicing industry, transferring its caseload of 5.6 million student loans to Aidvantage, which is owned by student loan giant Maximus. The new loan servicer will not affect the existing terms and conditions, interest rates or available repayment plans, but you should carefully review any communications you received about the transfer. 

Here's everything you need to know about what happened to Navient, and how to log in to your new Aidvantage student loan account.

Why did Navient leave the student loan industry?

Navient was long under fire from the Consumer Financial Protection Bureau, which sued the loan servicer in 2017: It claimed that the company had pushed borrowers into costly, subprime private loans they would be unable to repay. In January, Navient canceled $1.7 billion in private student loans for nearly 66,000 borrowers after coming under scrutiny for engaging in abusive and deceptive practices, including targeting students the company allegedly knew couldn't pay back loans. 

In 2020, the US Department of Education announced changes to loan servicing in an effort to modernize the federal student loan system. As part of the Next Gen Initiative, the Department of Education extended its partnership with five of the 10 current loan servicers, which would continue servicing federal student loans, but under stricter government regulations. Navient, along with FedLoan and Granite State, opted to end their participation in federal student loan servicing at the end of 2021.

Michael Lux, a student loan expert, attorney and founder of the Student Loan Sherpa, said that the "increase in federal regulation and government scrutiny over federal loan servicing is almost certainly to blame for Navient's departure." 

What does Navient's departure mean for your student loans?

If your federal student loans were previously serviced by Navient, here's what you need to know:

1. Aidvantage is your new student loan servicer

By now, you should have been notified of this change by mail or email from Navient, Aidvantage and the Department of Education. If you have not received a notification, you should log in to your existing Navient account and double-check your contact information to make sure it's correct. Even if your address was outdated, you should be able to log in to your new account. 

2. You can access your Aidvantage account with Navient credentials

If you try to log in to Navient, you'll find a $0 balance: This balance is simply showing that your loans have been purchased by Aidvantage. To log in to your new account, visit aidvantage.com and enter your Navient login information.

The process is nearly identical to Navient's. Once you enter your login and password, you'll be prompted to enter your Social Security number or account number and date of birth to confirm your identity. From there, you'll be taken to the Aidvantage account home page, which looks just like the Navient landing page, right down to the left-hand navigation options.

If you can't remember your login information, select "Forgot user ID" or "Forgot password" and confirm a personal identification question to have a new one emailed to you. If you still can't get in or no longer have access to the email on file, reach out to Aidvantage for assistance at 800-722-1300.

3. Your payment preferences should be the same, but double check

Any payment terms you set up with Navient -- autopay, deferment, income-driven repayment plans -- should have transferred seamlessly to Aidvantage. Of course, since federal student loan payments have been paused for over 20 months, you may need to review the payment details, particularly with the end of forbearance approaching. And, if your job situation has changed since you last reviewed your loan repayment options, you may want to apply for income-driven repayment or other repayment options through Aidvantage now, so you're ready to go when repayment begins in September.

So after logging in to Aidvantage, you should find that your preferred payment method and autopay selection have transferred over, along with your payment history and record of loans paid in full.

4. Repayment is currently scheduled for September

Federal student loan payments remain on pause through Aug. 31. If you haven't already been paying your loans during the forbearance period, be sure you know what your monthly payment will be now, so you can factor this into your budget. You can also explore the repayment options if you need additional assistance. 

If you want to explore further deferment or forbearance options, you can do this through your account online under "Repayment options." You can also speak to Aidvantage directly at 800-722-1300.

FAQs

Did Navient become Aidvantage?

No. At the end of 2021, Navient transferred its caseload of 5.6 million student loans to Maximus, another federal student loan contractor. Maximus is operating its student loan servicing under the name Aidvantage.

Should I pay my student loans now or wait for loan forgiveness?

There's no guarantee of widespread student loan forgiveness, but the latest news indicates that the Biden administration may be considering $10,000 in federal student loan relief, with some income limitations. No official announcements have been made yet. Unless you have only this amount in federal student loans or less, it's smart to plan for repayment now. And, if you're able to, paying during the pause can lower your principal loan amount, helping you save money on interest when payments resume.

If you're a teacher, healthcare worker, firefighter or other public servant, you may be eligible for forgiveness through the expanded Public Service Loan Forgiveness program. Since changes were made last October, the PSLF has identified more than 113,000 borrowers eligible for loan cancelation. If you're eligible for the PSLF or were on an income-driven repayment plan, which offers you forgiveness after 20 to 25 years of payments, each month of paused payments counts towards your loan forgiveness goal. So, you should plan for repayment, but there is little benefit in making payments during the freeze.

---

Source

You Should Probably Clear Your iPhone Cache

You Should Probably Clear Your iPhone Cache

Your iPhone is a handy, versatile piece of technology. Looking for a new recipe? Easy. Need a new internet provider? You can do that, too. Trying to figure out which actor appeared in the most 007 movies? Just search online. (The answer: Desmond Llewelyn, who appeared as Q in 17 Bond films from the '60s through the '90s.) Regardless of what you need it for, your iPhone does a lot of work.

But here's the thing: Whether you do your browsing in Chrome, Safari or elsewhere, your cache builds up digital clutter over time. Clearing your cache gives your browser a new start, which can speed up your browsing whether you're using iOS 15 or the public beta of iOS 16. (And if you're trying to get your phone to run faster, try managing your iPhone's storage.) 

Clearing your cache is like clearing out your fridge. When you visit a site, your iPhone downloads photos, banners and other data. To make that process faster, most browsers store some data in a cache to make loading faster. It's great when the fridge is fully stocked and you can quickly grab what you need... and less great when the thing you grab expired two months ago. 

Eventually, your browser's cache will become outdated and the data being retrieved no longer matches the data actually being used on the website. The result? Slower load speeds and wonky website formatting. This is the equivalent of your fridge being full of gross, expired products.

That's why clearing your cache can help: It gives sites a fresh start in your browser and frees up some space in your storage. Note that clearing your cache will sign you out of sites you're currently logged into. Still, it's generally worth that mild inconvenience about every month to keep things moving quickly. 

Here are step-by-step guides on how to clear your cache on your iPhone based on the browser you use. 

How to clear your iPhone cache in Safari

Safari is the default browser on iPhones, and you can clear your Safari cache in a few short steps. Starting with iOS 11, following this process will affect all devices signed in to your iCloud account. As a result all your devices' caches will be cleared, and you'll need to sign in to everything the next time you use them. Here's what to do.

1.Open the Settings app on your iPhone.

2. Select Safari from the list of apps.

3. Go to Advanced > Website Data.

4. Scroll down and select Clear History and Website Data.

5. Choose Remove Now in the pop-up box.

Then you're set!

Read more:Best iPhone for 2022

How to clear your iPhone cache in Chrome

It's easy to clear your iPhone cache in Chrome.

James Martin/CNET

Chrome is another popular browser for iPhone users. The overall process for clearing your Chrome cache requires a few more steps, and you'll need to do things through the Chrome browser itself. Here's how. 

1. Open the Chrome app.

2. Select the three dots in the bottom right to open more options.

3. Scroll down and select Settings.

4. Select Privacy in the next menu.

5. Then select Clear Browsing Data to open up one last menu.

6. Select the intended time range at the top of the menu (anywhere from Last Hour to All Time).

7.Make sure that Cookies, Site Data is selected, along with Cached Images and Files. Finally, hit Clear Browsing Data at the bottom of the screen.

Read more: This iPhone Setting Stops Ads From Following You Across the Web

How to clear your iPhone cache in Firefox

If you're a Firefox devotee, don't worry. Clearing the cache on your iPhone is pretty straightforward. Just follow these steps. 

1. Click the hamburger menu in the bottom right corner to open up options.

2. Choose Settings at the bottom of the menu.

3. Select Data Management in the Privacy section.

4. You can select Website Data to clear data for individual sites, or select Clear Private Data at the bottom of the screen to clear data from all selected fields.

Read more: Experiencing Slow Wi-Fi? It Could Be Caused By Internet Throttling. Here's How to Tell

What happens when you clear the cache? 

Clearing your cache removes the website data your phone stored locally to prevent having to download that data upon each new visit. The data in your cache builds over time and can end up slowing things down if it becomes too bulky. (My phone had about 150MB of data stored in Chrome when I checked.) Clearing that data gives sites a fresh start, which may fix some loading errors and speed up your browser. However, clearing your cache also signs you out of pages, so be prepared to sign in to everything again. 

How often do I need to clear my cache?

Most people only need to clear their caches once every month or two. That's generally the point when your browser will build up a cache large enough to start slowing things down. If you frequent a large number of sites, you should err on the side of clearing your cache more often.

For more, check out how to FaceTime between an iPhone and an Android device, how to download iOS 15 on your iPhone right now and five creative, fun photo projects to try with your phone at home. You can also take a look at CNET's list of the best cases for the iPhone 13. 

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You Only Have 2 Days Left to Order Your Free At-Home COVID Tests. Here's How

You Only Have 2 Days Left to Order Your Free At-Home COVID Tests. Here's How

For the most up-to-date news and information about the coronavirus pandemic, visit the

WHO

and

CDC

websites.

Time is running out to get your free at-home COVID-19 test kits because the US federal government is ending its program soon. USA Today first reported on Aug. 26 that the decision was made due to a limited supply of tests. This comes just as the fall season approaches and as students start the new school year.

Over the weekend, US Postal Service updated its page for at-home COVID tests with an announcement that says the "order for free at-home COVID-19 tests program will be suspended on Friday, September 2, 2022."

The last day to order free COVID tests is Friday, Sept. 2.

USPS/Screenshot by Peter Butler

In January, the government launched CovidTests.gov, a website that let households order four free rapid antigen COVID-19 tests shipped by the US Postal Service. The site added four more free tests in March, and then another eight more in May. 

If you haven't received any tests, you can still get all 16 free tests, but you'll need to act quickly. Luckily, it only takes two minutes to order your tests. See below to find out how to get test kits, when they'll arrive and what to do if you have problems. 

How to get free COVID-19 tests

You only need to provide the US Postal Service with a few bits of information to get your free test kits. You won't be asked to provide any credit or debit card details, as both the tests and the shipping are free. Here's how to get your free test kits. 

1. Visit special.USPS.com/testkits. You can also get there via covidtests.gov.

2. Enter your contact details and shipping information.

3. Click Check Out Now.

4. Verify that your information is correct and select Place My Order.

All orders will be shipped via First Class Package Service.

People who can't access the website or who have trouble ordering online can call 800-232-0233 to order their free tests.

How can I track my order?

Once you place your order, you should receive a confirmation email. When your package ships, you'll receive email notifications providing you with shipping updates, including a tracking number and estimated delivery date. Note that for the third round, you'll receive two packages that'll likely arrive on different days, so look for two confirmation emails with your tracking numbers.

Once you receive it, you can either click the tracking link or copy and paste the tracking number into the Postal Service's website's tracker.

More free COVID-19 test kits are coming.

Sarah Tew/CNET

How many test kits can I get? 

According to the USPS, each residential household is eligible for three rounds of free at-home rapid antigen COVID-19 tests, for a total of 16 kits.

Only one person per address will be able to place an order for the free tests, even if you have multiple people living in your home. 

Can I choose which brand test I get? 

No, there isn't an option to choose which brand of test you will receive. All tests are rapid antigen tests authorized by the Food and Drug Administration, like iHealth.

When will the test kits arrive? 

Tests are typically sent out within seven to 12 days of an order being successfully placed and are delivered by the USPS within one to three days of shipping.

iHealth COVID-19 rapid antigen tests are supplied for free via USPS.

Angus Mordant/Getty Images

What if I haven't received my first or second batch of test kits?

The USPS says its site has had some difficulties recognizing certain residential addresses, especially apartment buildings, multifamily homes and residences connected to commercial properties. 

If you have had issues placing an order, you can file a service request online or call the USPS Help Desk at 800-ASK-USPS.

Is it OK to use a test kit that was left outside?

According to the FDA, manufacturers have ensured that the tests remain stable at various temperatures, "including shipping during the summer in very hot regions and in the winter in very cold regions."

But a test may be damaged by being left outdoors in freezing temperatures or being used immediately after being brought inside from freezing temperatures. 

The ideal temperature to store rapid antigen COVID-19 test kits is between 59 and 86 degrees Fahrenheit. 

The FDA has warned about the effect of extreme heat on COVID tests, saying that, "long exposure to high temperatures may impact the test performance," but also recommends simply confirming the test line on the kit. 

"As long as the test line[s] appear as described in the instructions, you can be confident that the test is performing as it should," the FDA site says.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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7 Tips to Try if You Have Trouble Putting in Contact Lenses

7 Tips to Try if You Have Trouble Putting in Contact Lenses

After plopping them in enough times, you'll get used to those sticky little domes that hug your eyeballs so you can see better (or see at all, depending on your prescription strength). 

But like many daily habits, there's a learning curve to wearing prescription contacts. After all, our eyes instinctively close up when they sense danger, like a shaking, protruding finger trying to insert a piece of plastic. 

Whether you're a new or returning contact lens user, here are a few tips to get this routine to feel like second nature. 

Read more: Best Places to Buy Contacts Online

How to put in your contacts 

First, let's start with the basics: how to get those contact lenses into your eye as comfortably as possible.

1. Thoroughly wash and dry your hands. You can often blame uncomfortable contacts on something being on the lens. To ensure you don't transfer anything into your eye and to minimize your risk of eye infections, get those hands clean. Be sure that they are dry. 

2. Scoop the first contact out of the case using your fingertip, not your nail. You can gently shake the case first if either lens is stuck to the side. Then, rinse out the lens with contact solution. Do not use tap water. Plain water can allow harmful bacteria to stick to the lens and infect your eye.

3. Inspect the lens. Check that it's not torn, creased or dirty. Also, make sure it's not inside-out. When the lens sits on the tip of your finger, it should have consistent curvature around the lip. If it's flaring out, the lens is probably inside-out. Flip it the other way before you put it in your eye. 

4. Put in the lens. Place the contact lens on the tip of the pointer finger on your dominant hand. Use your other hand to gently pull your top eyelid up, making it easier to get the lens into your eye without hitting your eyelid or eyelashes. Gently tap the finger with the lens on it to your eye. The moisture of your eye should be enough to transfer the lens from your finger to your cornea. 

5. Adjust the lens. Blink a few times. Then, look down, up, right and left. This centers the lens on your cornea. 

6. Repeat with the other eye. You know the drill. 

ScantyNebula/iStock/Getty Images

Caring for your contact lenses

Just knowing how to put in contacts is a key first step. But wearing your contact lenses comfortably every day hinges on you knowing how to take care of them. This is relatively easy if you have daily lenses (the ones you wear once, then toss). 

However, if you wear any other type of lens, talk with your optometrist about best practices for contact care. They may recommend a specific type of contact solution. 

Generally, you should take your contacts out and put them in a clean case in that solution:

• Before you go to bed: Unless you have lenses specifically designed for sleeping, remove your contacts each night before bed. 
• Before you get wet: Whether you're hopping in the shower or going for a swim, take your contacts out first since you could lose a lens in the water. Also, the water could transfer something onto your lens or compromise the structure of the lens. 

We won't dig too deeply into how to remove contact lenses here, but the basic steps are: 

1. Wash and dry your hands. 

2. Gently pinch the lens from the surface of your eye. 

3. Put your contact lenses into a clean case filled with contact solution.

You should be replacing two things regularly:

• The contact lenses themselves: Follow your optometrist's direction here, whether that means swapping your lenses out daily, weekly, bi-weekly or monthly. Wearing them past the recommended time can lead to a buildup on the lens. 
• The case: Swap out the case for a new one every three months to ensure you always store the lenses in a hygienic environment. Many contact solution companies include cases with the bottles of solution they sell.

Finally, prep before you go on vacation. You might want to buy a small bottle of solution to pack in your toiletries bag. In general, when you're traveling, caring for your contacts can be extra tricky. 

Read more:  The Quickest Way to Keep Your Contacts Fresh While Traveling

Peathegee Inc/Tetra Images/Getty Images

7 tips for beginners

If you're just starting out with contacts, here are a few things to keep in mind that can make your transition easier. 

Know contact lenses are safe

When used properly (that is, taken out every night, handled with clean hands and replaced on time), contacts are a safe form of vision correction used by roughly 45 million people in the US. They're also regulated as medical devices by the US Food and Drug Administration, so you can rest assured the material you're sticking in there is safe and agreeable for your delicate eyeballs.

And know this: Contact lenses will never get stuck behind your eye, the American Academy of Ophthalmology says. That's because there's a membrane connecting your eyeball to your eyelid. So if your eyes are too dry, you insert the contact funny or there's another mishap with the lens, know your search is only temporary and you will soon be reunited with your contact lens, usually with a gentle finesse or a few drops of contact solution to loosen its hold.

Another important myth to bust, as laid out by contact retailer PerfectLens, is that contacts are uncomfortable. Once you get used to putting them in, contacts should be so comfortable you can't tell they're there. (If they are uncomfortable and you haven't been wearing them for too long, contact your eye doctor to see if you need a new brand or a different eye measurement.) 

Ask your optometrist for training

These eye pros have all the best tips for learning how to wear your specific type of contact lenses. Some optometrists charge a fee for contact lens training, but there's no better way to learn how to put contacts in. 

Try touching your eye

We know this goes against pretty much everything you've ever been told. But you have to get over that initial recoil you might feel. With clean hands, try gently making contact with the white of your eye. 

If you can touch your eye with your finger, you can touch your eye with a contact lens. You'll probably find that the lens making contact with your eye is much more comfortable than your finger. That's because it's specifically designed to fit over your cornea, distributing pressure across your eye rather than onto a single point.

Keep your nails short and trimmed

I've had my nails "done" exactly twice and both sets of longer-than-usual nails turned a daily routine I barely have to think about into a skill to remaster, like learning how to drive in snow every winter.

If you're a regular long-nailer who's mastered the art of pinching a contact without nicking the lens, or your eye, congratulations on making it to the next level. But for beginners just getting used to inserting lenses, there's a lot less room for error and pokes when you have shorter nails. 

Use both hands

Use the pointer finger of your dominant hand to hold and place the lens, but don't forget about your other hand. You can use it to gently pull up on your eyelid. If you have a reflexive tendency to try and close your eyes as you go to put your lens in, this can help. 

Don't put in contacts when your eyes are red or tired

If you're just starting out, pick a time to try inserting contacts when your eyes are alert and awake, as opposed to trying to squeeze them in at 6 a.m. on a day when you're already really tired. Generally speaking, it's not a great idea to put in contacts if your eyes are feeling irritated, and you should never sleep in your contacts because that increases your risk of eye infections (some of which can lead to permanent vision loss) by six or eight times, the AAO says. 

Similarly, you should use rewetting or eye drops if they're recommended by your eye doctor, the AAO says, especially if you're starting out in contacts. Drinking water will also help stave off dry eyes and ease your eyes into the transition with contact lenses. 

Why are my contact lenses uncomfortable? 

On that note, let's talk about what can go wrong with your contacts. If you just got them, it might take some getting used to. Note: It might feel odd, but it should never feel uncomfortable. If you continually try to wear your contacts and feel like something's stuck in your eye, talk to your optometrist. You may need a different type of lens. 

If your optometrist is confident you're in the right lenses but one feels uncomfortable after you put it in, follow these steps:

• Don't rub your eyes. Resist the urge. Blinking can help the lens settle into a comfortable spot, but rubbing your eye can cause it to fold. That will only make you more uncomfortable. Plus, if something is stuck between the contact lens and your cornea, rubbing it can scratch your eye.
• Take it out and check it. A lot of the time, if your lens feels uncomfortable, it's because some debris is stuck to it, which is transferred to your eye when you put it in. Look closely at the lens. Even a tiny little thread or speck of dirt feels catastrophic once it contacts your eye. Also, make sure the lens isn't torn (which will make it feel like something's in your eye) or inside-out.
• Check your eyes. If something was stuck to the contact, it could now be stuck to your eye. You might want to use some eye drops to flush your eye. 
• Try again. When you're learning how to put in contacts, it may take a couple of tries to get it right. Once you know the lens and your eye are both debris-free, try putting the lens back in.
• Keep your glasses handy. Learning how to put contacts in takes time. If you're having a particularly hard time one morning, stick with glasses that day. You don't want to irritate your eye repeatedly trying to get your contacts in. 

Carol Yepes/Moment/Getty Images

The bottom line

You're not alone in this. It takes most people at least a couple weeks to get comfortable wearing contact lenses. Stick with it -- paying careful attention to keeping your lenses clean and debris-free -- and it should get easier with time. 

If it doesn't, the lenses themselves could be to blame. Talk with your optometrist and consider your online contact lens options to find what's best for your specific eyes.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

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7 Tips to Try if You Have Trouble Putting in Contact Lenses

7 Tips to Try if You Have Trouble Putting in Contact Lenses

After plopping them in enough times, you'll get used to those sticky little domes that hug your eyeballs so you can see better (or see at all, depending on your prescription strength). 

But like many daily habits, there's a learning curve to wearing prescription contacts. After all, our eyes instinctively close up when they sense danger, like a shaking, protruding finger trying to insert a piece of plastic. 

Whether you're a new or returning contact lens user, here are a few tips to get this routine to feel like second nature. 

Read more: Best Places to Buy Contacts Online

How to put in your contacts 

First, let's start with the basics: how to get those contact lenses into your eye as comfortably as possible.

1. Thoroughly wash and dry your hands. You can often blame uncomfortable contacts on something being on the lens. To ensure you don't transfer anything into your eye and to minimize your risk of eye infections, get those hands clean. Be sure that they are dry. 

2. Scoop the first contact out of the case using your fingertip, not your nail. You can gently shake the case first if either lens is stuck to the side. Then, rinse out the lens with contact solution. Do not use tap water. Plain water can allow harmful bacteria to stick to the lens and infect your eye.

3. Inspect the lens. Check that it's not torn, creased or dirty. Also, make sure it's not inside-out. When the lens sits on the tip of your finger, it should have consistent curvature around the lip. If it's flaring out, the lens is probably inside-out. Flip it the other way before you put it in your eye. 

4. Put in the lens. Place the contact lens on the tip of the pointer finger on your dominant hand. Use your other hand to gently pull your top eyelid up, making it easier to get the lens into your eye without hitting your eyelid or eyelashes. Gently tap the finger with the lens on it to your eye. The moisture of your eye should be enough to transfer the lens from your finger to your cornea. 

5. Adjust the lens. Blink a few times. Then, look down, up, right and left. This centers the lens on your cornea. 

6. Repeat with the other eye. You know the drill. 

ScantyNebula/iStock/Getty Images

Caring for your contact lenses

Just knowing how to put in contacts is a key first step. But wearing your contact lenses comfortably every day hinges on you knowing how to take care of them. This is relatively easy if you have daily lenses (the ones you wear once, then toss). 

However, if you wear any other type of lens, talk with your optometrist about best practices for contact care. They may recommend a specific type of contact solution. 

Generally, you should take your contacts out and put them in a clean case in that solution:

• Before you go to bed: Unless you have lenses specifically designed for sleeping, remove your contacts each night before bed. 
• Before you get wet: Whether you're hopping in the shower or going for a swim, take your contacts out first since you could lose a lens in the water. Also, the water could transfer something onto your lens or compromise the structure of the lens. 

We won't dig too deeply into how to remove contact lenses here, but the basic steps are: 

1. Wash and dry your hands. 

2. Gently pinch the lens from the surface of your eye. 

3. Put your contact lenses into a clean case filled with contact solution.

You should be replacing two things regularly:

• The contact lenses themselves: Follow your optometrist's direction here, whether that means swapping your lenses out daily, weekly, bi-weekly or monthly. Wearing them past the recommended time can lead to a buildup on the lens. 
• The case: Swap out the case for a new one every three months to ensure you always store the lenses in a hygienic environment. Many contact solution companies include cases with the bottles of solution they sell.

Finally, prep before you go on vacation. You might want to buy a small bottle of solution to pack in your toiletries bag. In general, when you're traveling, caring for your contacts can be extra tricky. 

Read more:  The Quickest Way to Keep Your Contacts Fresh While Traveling

Peathegee Inc/Tetra Images/Getty Images

7 tips for beginners

If you're just starting out with contacts, here are a few things to keep in mind that can make your transition easier. 

Know contact lenses are safe

When used properly (that is, taken out every night, handled with clean hands and replaced on time), contacts are a safe form of vision correction used by roughly 45 million people in the US. They're also regulated as medical devices by the US Food and Drug Administration, so you can rest assured the material you're sticking in there is safe and agreeable for your delicate eyeballs.

And know this: Contact lenses will never get stuck behind your eye, the American Academy of Ophthalmology says. That's because there's a membrane connecting your eyeball to your eyelid. So if your eyes are too dry, you insert the contact funny or there's another mishap with the lens, know your search is only temporary and you will soon be reunited with your contact lens, usually with a gentle finesse or a few drops of contact solution to loosen its hold.

Another important myth to bust, as laid out by contact retailer PerfectLens, is that contacts are uncomfortable. Once you get used to putting them in, contacts should be so comfortable you can't tell they're there. (If they are uncomfortable and you haven't been wearing them for too long, contact your eye doctor to see if you need a new brand or a different eye measurement.) 

Ask your optometrist for training

These eye pros have all the best tips for learning how to wear your specific type of contact lenses. Some optometrists charge a fee for contact lens training, but there's no better way to learn how to put contacts in. 

Try touching your eye

We know this goes against pretty much everything you've ever been told. But you have to get over that initial recoil you might feel. With clean hands, try gently making contact with the white of your eye. 

If you can touch your eye with your finger, you can touch your eye with a contact lens. You'll probably find that the lens making contact with your eye is much more comfortable than your finger. That's because it's specifically designed to fit over your cornea, distributing pressure across your eye rather than onto a single point.

Keep your nails short and trimmed

I've had my nails "done" exactly twice and both sets of longer-than-usual nails turned a daily routine I barely have to think about into a skill to remaster, like learning how to drive in snow every winter.

If you're a regular long-nailer who's mastered the art of pinching a contact without nicking the lens, or your eye, congratulations on making it to the next level. But for beginners just getting used to inserting lenses, there's a lot less room for error and pokes when you have shorter nails. 

Use both hands

Use the pointer finger of your dominant hand to hold and place the lens, but don't forget about your other hand. You can use it to gently pull up on your eyelid. If you have a reflexive tendency to try and close your eyes as you go to put your lens in, this can help. 

Don't put in contacts when your eyes are red or tired

If you're just starting out, pick a time to try inserting contacts when your eyes are alert and awake, as opposed to trying to squeeze them in at 6 a.m. on a day when you're already really tired. Generally speaking, it's not a great idea to put in contacts if your eyes are feeling irritated, and you should never sleep in your contacts because that increases your risk of eye infections (some of which can lead to permanent vision loss) by six or eight times, the AAO says. 

Similarly, you should use rewetting or eye drops if they're recommended by your eye doctor, the AAO says, especially if you're starting out in contacts. Drinking water will also help stave off dry eyes and ease your eyes into the transition with contact lenses. 

Why are my contact lenses uncomfortable? 

On that note, let's talk about what can go wrong with your contacts. If you just got them, it might take some getting used to. Note: It might feel odd, but it should never feel uncomfortable. If you continually try to wear your contacts and feel like something's stuck in your eye, talk to your optometrist. You may need a different type of lens. 

If your optometrist is confident you're in the right lenses but one feels uncomfortable after you put it in, follow these steps:

• Don't rub your eyes. Resist the urge. Blinking can help the lens settle into a comfortable spot, but rubbing your eye can cause it to fold. That will only make you more uncomfortable. Plus, if something is stuck between the contact lens and your cornea, rubbing it can scratch your eye.
• Take it out and check it. A lot of the time, if your lens feels uncomfortable, it's because some debris is stuck to it, which is transferred to your eye when you put it in. Look closely at the lens. Even a tiny little thread or speck of dirt feels catastrophic once it contacts your eye. Also, make sure the lens isn't torn (which will make it feel like something's in your eye) or inside-out.
• Check your eyes. If something was stuck to the contact, it could now be stuck to your eye. You might want to use some eye drops to flush your eye. 
• Try again. When you're learning how to put in contacts, it may take a couple of tries to get it right. Once you know the lens and your eye are both debris-free, try putting the lens back in.
• Keep your glasses handy. Learning how to put contacts in takes time. If you're having a particularly hard time one morning, stick with glasses that day. You don't want to irritate your eye repeatedly trying to get your contacts in. 

Carol Yepes/Moment/Getty Images

The bottom line

You're not alone in this. It takes most people at least a couple weeks to get comfortable wearing contact lenses. Stick with it -- paying careful attention to keeping your lenses clean and debris-free -- and it should get easier with time. 

If it doesn't, the lenses themselves could be to blame. Talk with your optometrist and consider your online contact lens options to find what's best for your specific eyes.

The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.

---

Source

iOS 14 and iPadOS 14 upgrade checklist: Here's how to get your iPhone and iPad ready

iOS 14 and iPadOS 14 upgrade checklist: Here's how to get your iPhone and iPad ready

Apple's iOS 14 and iPadOS 14 updates for the iPhone ($500 at Best Buy) and iPad ($176 at Amazon) are brimming with important and useful new features, from a new app library and widgets on your home screen to tighter privacy features and iMessage improvements. But before you install iOS 14 and iPad 14, there's a bit of basic housekeeping you should do to make the update to your iPhone and iPad go as smoothly as possible. We lay out everything you need to know, including a checklist of how to get your phone or tablet ready.

Which devices will support iOS 14 and iPadOS?

If you have a compatible device, you should be able to see you have an update available by going to Settings > General > Software Update. But, don't tap Install Now quite yet.

Devices that will support iOS 14, iPadOS 14

Phone 11	iPad Pro 12.9-inch (4th generation)
iPhone 11 Pro	iPad Pro 11-inch (2nd generation)
iPhone 11 Pro Max	iPad Pro 12.9-inch (3rd generation)
iPhone XS	iPad Pro 11-inch (1st generation)
iPhone XS Max	iPad Pro 12.9-inch (2nd generation)
iPhone XR	iPad Pro 12.9-inch (1st generation)
iPhone X	iPad Pro 10.5-inch
iPhone 8	iPad Pro 9.7-inch
iPhone 8 Plus	iPad (7th generation)
iPhone 7	iPad (6th generation)
iPhone 7 Plus	iPad (5th generation)
iPhone 6s	iPad Mini (5th generation)
iPhone 6s Plus	iPad Mini 4
iPhone SE (1st generation)	iPad Air (3rd generation)
iPhone SE (2nd generation)	iPad Air 2
iPod Touch (7th generation)

Don't skip this step: Clear out the clutter

When it comes time to update software or upgrade your phone, take a few minutes to go through and delete what photos and apps you don't want or need from your camera roll and installed apps.

Our phones are a digital junk drawer of sorts, collecting random screenshots, photos, videos and single-use apps. Taking a few minutes to clear it out helps free up storage, shortens the amount of time you'll spend waiting for it to backup, and even saves you some cash if you're paying for extra iCloud storage just to keep it backed up.

Delete those apps you know you'll never use again. 

Jason Cipriani/CNET

Create a fresh backup, it's important

If you can help it, you should never update your iPhone or iPad without a current backup. Updates aren't a perfect process, and sometimes things go wrong. The last thing you want to happen is an update to fail, then you're left setting up your phone as brand new. Nobody wants that.

It's best to do this step right before you start the update process, that way the information stored in your backup is as current as possible.

You can backup your devices using iCloud, using Finder on Mac, or iTunes on a PC. iCloud is by far the easiest method, simply because it's built into your device and only requires a Wi-Fi connection. That said, if you're out of iCloud storage space or prefer to have more control over your device backup, then you can use your computer.

iCloud backup is the easiest method. 

Screenshots by Jason Cipriani/CNET

Option 1: Use iCloud backup

If you have iCloud backup turned on, your device should be backing up each night while it's charging and connected to Wi-Fi. However, you can force a backup at any time by going to Settings > tap on your name > iCloud > iCloud Backup > Back up now.

Speed up the process by plugging your phone or tablet in to a charger and connecting it to a Wi-Fi network to prevent mobile data use and killing your battery in the process.

Finder looks just like iTunes when your iOS device is connected. 

Screenshot by Jason Cipriani/CNET

Option 2: Backup on a Mac

If it's been awhile since you've backed up your device using a Mac, the process has changed. With the death of iTunes last year, you'll now have to use Finder to create a backup.

I have a guide detailing the entire process, which truly isn't all that different than the old iTunes-based method.

It distills down to connecting your device to your Mac, opening it in Finder and then clicking a couple of boxes to start a backup.

Make sure to encrypt the backup to make the restoration process so much easier. 

Screenshot by Jason Cipriani/CNET

Option 3: Backup on a PC

Use Windows? You can still use iTunes, just like you always have, to back up your mobile Apple devices.

Before you start, make sure you have the latest version of iTunes installed. The easiest way to do that is just to open it, and if you see a prompt to update it, then do follow the steps.

With that done, connect your device to iTunes using a Lightning or USB-C cable. The rest of the process consists of selecting your device in the iTunes interface and starting a backup. We have outlined all of the steps in this post, but let me make one more recommendation: Click the box that says you want to Encrypt your local backup. Doing so will backup all of your email accounts and app passwords, saving you from having to enter those whenever you have to restore your phone.

Now that you have your phone backed up and all of the random junk and clutter removed, install iOS 14 or iPadOS 14. Once it's installed, check out some of our favorite features, including the new homescreen that includes widgets -- that you can customize.

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