State Senator Rosemary Bayer


As always, it’s an honor serving as your state senator. Please feel free to reach out to my office if you have questions, comments, or ideas for ways we can make our community a better place to live. I always appreciate hearing from you.

Featured in this newsletter:

  • Voters should hand-deliver absentee ballots to clerk’s office
  • Online application for student debt relief now open
  • Beware of scammers taking advantage of federal student loan debt relief forgiveness program
  • Fall fire tips

You are central to my goal as a legislator! If I can be of any assistance to you or your family, please call my office at (517) 373-2417, or email me at  

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Rosemary Bayer
State Senator
12th District




With less than two weeks until Election Day on Nov. 8, voters who already have an absentee ballot should hand-deliver it as soon as possible to their clerk’s office or ballot drop box to avoid postal delays.

Voters can find their clerk’s office and ballot drop box locations at At the same site, they can track their absentee ballot to ensure it was received. All absentee ballot return envelopes must be signed by the voter with a signature matching the signature the clerk has with their voter registration. Ballots must be received by clerks by 8 p.m. on Election Day to be counted.

Eligible Michiganders who still need to register to vote must now do so in person at their clerk’s office, as online and mail registration is not permitted within 14 days of an election. Those registering in person may request, complete and submit an absentee ballot in the same visit to their clerk’s office.

Citizens can also vote in person at their polling place on Election Day, Nov. 8. Polls will be open from 7 a.m. until 8 p.m. on Election Day.

Additional information about absentee and in-person voting in Michigan is available at



On Monday, Oct. 17, the Biden-Harris Administration announced that millions of working- and middle-class borrowers can apply for student debt relief right NOW at

The application takes less than 5 minutes. It’s available in English and Spanish on desktop and mobile devices. And you don’t need to log in with an FSA ID or to upload any documents to apply.

The Administration’s plan will provide up to $10,000 in relief to borrowers with federal student loans and up to $20,000 in relief to borrowers who were Pell Grant recipients. Borrowers who earned less than $125,000 as an individual or $250,000 as a household in 2020 or 2021 are eligible for relief.



Michigan Attorney General Dana Nessel is reminding Michiganders to be on the lookout for scammers now that the U.S. Department of Education has made the application for student loan debt relief available.

Here are the highlights of the announced loan debt relief:

  1. The current student loan repayment pause has been extended to Dec. 31, 2022, with payments resuming in January 2023.
  2. The U.S. Department of Education will provide up to $20,000 in debt cancellation to Pell Grant recipients with loans held by the Department of Education and up to $10,000 in debt cancellation to non-Pell Grant recipients. Borrowers are eligible for this relief if their individual income is less than $125,000 or $250,000 for households. The application for relief is available here.
  3. The previously announced limited Public Service Loan Forgiveness (PSLF) program waiver is still in effect until Oct. 31, 2022. If your waiver application is approved, the PSLF waiver would forgive the remaining balance on your federal student loans after 120 payments working full-time for federal, state, Tribal, or local government; military; or a qualifying nonprofit. The limited PSLF waiver allows borrowers to receive credit for past periods of repayment that would otherwise not qualify for PSLF. For more information on eligibility and requirements, visit the public service loan forgiveness website.

AG Nessel encourages residents to follow these tips to avoid scams seeking to take advantage of borrowers’ eagerness to obtain debt relief:

  1. Visit the Federal Student Aid website for more information. Do not provide your personal or financial information in response to unsolicited emails, phone calls, or texts either purportedly from the federal government or a company claiming to be able to assist you with obtaining the announced relief.
  2. Don’t agree to pay anyone for assistance in obtaining debt relief.
  3. Don’t be rushed. To get you to act fast, scammers say you could miss qualifying for repayment plans, loan consolidation, or loan forgiveness programs if you don’t sign up right away. Take your time and check it out.
  4. Don’t give away your FSA ID. Some scammers claim they need your FSA ID to help you, but don’t share your FSA ID with anyone. Dishonest people could use that information to get into your account and steal your identity.

Those who wish to make a report about potential scams can do so with the Attorney General’s Consumer Protection team by filing a complaint online or by calling 877-765-8388.



Pull your boots and flannels out of the closet — it’s campfire season! Just be sure to brush up on burning tips from the Michigan Department of Natural Resources before lighting that brush pile in the backyard.

Burn safely

Whenever you burn, have a shovel and water source nearby, and never leave a fire unattended. Avoid burning on a windy day when hot embers can be whisked up by the wind into dry grasses or leaves.

Burning yard waste? Remember to check for a burn permit to see if conditions are safe for burning and know your local fire ordinances. Most wildfires are started by people burning yard clippings and leaves. You’ll need a burn permit any time the ground is not covered in snow.

Upper Peninsula and northern Lower Peninsula residents can view conditions at or call 866-922-BURN for information. Southern Michigan residents should check with their local municipality or fire department.

Burn efficiently

Well-dried wood is the most efficient fuel for your wood stove or campfire, burning more cleanly and releasing less irritating smoke than poorly seasoned wood. Dry logs should feel light when lifted and produce a hollow sound when thumped together.

Burning trash, plastic and hazardous materials is never allowed, and can cause health issues. Safely recycle or responsibly dispose of these materials.

Burning isn’t always best

Many folks burn leaves and brush in the fall, but did you know you can repurpose fallen leaves? No fire required! Dead leaves are a great free mulch that will insulate perennial plants and keep garden soil from washing away in the rain. They can also be raked up into a bin or piled to turn into nutrient-rich compost. Learn how with composting tips from the Department of Environment, Great Lakes, and Energy.

In addition to helping your garden, fallen leaves serve as winter habitat for wildlife. Turtles, toads, salamanders, moths and butterflies all spend the winter snuggled under leaves. An easy way to keep your area neat and provide habitat is to rake leaves under bushes and shrubs in your yard or provide a “wild area” where leaves can break down naturally.

With these tips in mind, you’ll be set to enjoy a fall season filled with campfires, hot cider and stargazing. Find more information on safe burning at