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PRAIRIE VILLAGE, Kan. — A Kansas City area family is celebrating a big win. They paid off more than 0,000 in student loan debt in a little over six years.Ashlyn Yarnell accumulated the debt in the process of becoming a family law attorney."That was my calling. That's what I knew I wanted to do, and that was the path to get there," Yarnell said.Because she attended college and law school on the heels of the recession, a lot of scholarship money dried up, leaving student loans as the only option."I did everything I could think of. I worked jobs, I lived with friends, lived with family when I could," she said.By the time Yarnell graduated, her debt total came to 0,500.Paying it all off seemed daunting at the time, but Yarnell and her husband, Drew, immediately got to work. They shared advice for others starting their debt journeys.Study your debt"It's like tackling an opponent. You've got to study that, you've got to learn about all the options you have to get rid of it," Ashlyn Yarnell said.She created a spreadsheet to track the balances of her loans and the total paid each month."We had a plan right out of school, how many years it was going to take, how we were going to handle this," Drew Yarnell added.Flexibility with that plan is important, as Drew said it took them slightly longer than they anticipated to pay off the debt.Consider refinancingWhen Ashlyn began paying off her loans, the interest rates were all over the map."Some were a low 2 percent interest rate," she said. "Some were as high as 10 percent."By refinancing, she was able to get the average rate down from 6.8 percent to 4 percent.Those considering refinancing student loans now should keep in mind payments on federal loans have been suspended interest-free through the end of the year."You really need to think twice about refinancing a federal student loan because you lose those benefits," said Brian Walsh, manager of financial planning for SoFi, the personal finance company Ashlyn used for refinancing.The Yarnells also refinanced their home in the spring to help with final loan payments.According to Walsh, there are some important factors to consider before taking that step. Look at the closing costs first."How many months is it going to take me to recoup those costs, and am I going to live in this house long enough? Otherwise refinancing your home might not be a good idea even if it is a lower interest rate right off the bat," he said.Celebrate small milestonesAt the start of the couple's repayment journey, the daily interest rate was ."Every day I imagined handing my lender a bill in addition to everything I already owed, and that was unacceptable to me," Ashlyn said.She and Drew celebrated as they were able to knock down that daily interest rate, eventually reducing it to just ."You don't have to wait until the very end to enjoy knocking off a certain number," Drew Yarnell said, "If you get to a milestone, I think it's important to celebrate it on the way."Be sure to set small goals within the long-term plan."You break it up into microgoals, and it helps you stick to it and kind of hit the reset button once you hit that goal a couple months down the road," Walsh said.The Yarnells reached their finish line in May, when Ashlyn submitted her last student loan payment."I was screenshotting everything. My husband was taking pictures," she said, "And there were not even tears, it was sobs of relief."With interest factored in, the total came to nearly 4,000.The couple wanted to take a trip to celebrate, but COVID-19 interrupted those plans. Instead, Ashlyn wants Drew to pick out something for himself since he came along on the debt repayment journey with no complaints."He is a total team player," she said.The Yarnells also started education funds for their two sons, Charlie and Jack.Here are some other tips from SoFi for paying down debt:Figure out your monthly spendingUse a budgeting app to stay on trackConsult an expert if developing a plan on your own is too difficultDon't be afraid to talk about your debtThis story originally reported by Cat Reid on kshb.com. 4126

Pope Francis wants you to do him a favor. The next time you're in Mass -- put down your cell phone.The Pope, speaking Wednesday in St. Peter's Square, said he was disappointed to see so many people using mobile devices when they should be worshiping during Mass."It makes me very sad when I celebrate Mass in the Square or in St. Peter's Basilica and I see so many phones in the air," he said in his off-the-cuff remarks.Hear the Pope's words in the video below: 470

President Donald Trump is expected to address the media Friday afternoon at 5 ET following a report citing several unnamed sources claiming Trump made disparaging remarks about military servicemembers killed in the line of duty.The report was published late on Thursday by the Atlantic and immediately prompted Trump to react. Sources told the Atlantic that Trump called fallen servicemembers “losers” and “suckers.”Trump, who usually does not speak to the media when returning to the White House on trips, responded late Thursday night by denying the report’s accuracy.On Friday, rather than holding a typical White House news briefing, press secretary Kayleigh McEnany made a statement denying the report and left the briefing room without taking questions.In addition to the Atlantic’s story, the Associated Press, Washington Post and Fox News were able to independently confirm the accuracy of much of the report with their sources. 944

President Donald Trump is expected to announce Friday that the Treasury Department will impose new sanctions against North Korea.The sanctions, to be announced at the Conservative Political Action Conference, pertain to vessels and shipping, a person familiar with the matter tells CNN, declining to offer further details.News of the latest sanctions was first reported by Reuters.The sanctions will be announced while the President's daughter and senior adviser Ivanka Trump is in South Korea for the closing days of the 2018 Winter Olympics. She is scheduled to dine with the South Korean President Moon Jae-in at the Blue House Friday.  652

POWAY, Calif. (KGTV) - A Poway family is stocking up on resources in case a quarantine is triggered by the coronavirus.As the father, Nate took his love of engineering home to support the family, "we have a big family, and food is expensive, so we’ve always tried to be self reliant."Self reliant means gardens, poultry and fish. They have five kids. Right next to the back deck is a garden at about hip level. “We have kale, we have thyme and parsley. My cilantro grows pretty well here, we have salad greens.” Nate listed off. That particular garden is watered by a fish tank full of a dozen or so Tilapia.Fruit trees dot the backyard. Everything from apricot, apples and nectarines, to cherries, guavas and mulberries grow here.In the opposite side of the yard is a chicken coop. "We have 11 chickens, we get eggs every day. About 7," his wife, Lacy said happily. She said they planned to only grow one more garden this summer but in the last week four more have been constructed and prepared for seeding.In a shed next to the new garden beds, is a stockpile. Under a wood workbench sit brown metal tubs with 'Department of Defense Drinking Water' labels. Nate looked down at his clipboard and read off more supplies, “we have wheat for sprouting. We have about 100lbs. of brown sugar and honey."In the last month they've ramped up gathering supplies."This week we basically went and bought a lot of stuff that we would normally buy in the next few months, but we bought it now in case we can’t go in the next few months." Nate said he is watching national news and concerned a quarantine could come to San Diego.“We just have to take care of each other. There might not be food on the shelves, there might be kids staying home all day from school. We don’t know.” He said.Now they're looking at their backyard in a different way. “We’ve got the pool for washing if we needed it... So this is the drinking water should we need it, we have two generators.”Even their kids are aware and prepared to help. “I got it in case the coronavirus comes here," Shelby, 7, said showing us her medical kit.The family hopes they don't ever have to use their stockpile but are prepared just in case. 2197

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