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Gotham's future is in his hands ?? Tim Fox is the Next Batman — meet him before #DCFutureState here ? https://t.co/GbbqM1esgE pic.twitter.com/yXA5fFoUis— Batman (@DCBatman) December 10, 2020 208

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

German police fired water cannon and used pepper spray in the city of Chemnitz on Monday night as 6,000 far-right demonstrators, some chanting neo-Nazi slogans and giving Hitler salutes, clashed with counter-protesters over the fatal stabbing of a German man.An Iraqi and a Syrian man in their early 20s have been arrested after a brawl in which the 35-year-old German was stabbed, triggering two days of anti-migrant rallies.The Saxony state police said there were around 1,500 counter-protesters, vastly outnumbered by far-right demonstrators, many of whom had traveled from other states to Chemnitz.Ten people are being investigated for giving Nazi salutes, an illegal gesture in the country, Chemnitz police said, while social media video from the protests showed scuffles and far-right demonstrators chanting "German, social and national. Free, social and national," phrases heavily associated with the neo-Nazi movement. 934

HERRIMAN, Utah – If you were to take a step into the workshop of Heidi Swapp, a mix of sawdust and noise would greet you almost instantly.“This is where all the magic happens,” said Swapp.Her oldest son works alongside her, providing some support and even some comic relief when needed.“Ok, go back to work,” she said to her son with a smile.The workshop is where Swapp comes to create.“I do love it. I love the possibilities,” she said.Swapp has always been crafty, whether in the workshop or at her home.“Photos and stories are super important to me and it brings me joy,” she said.However, for a few years, she couldn’t bring herself to create anything.“When Cory passed away, I just couldn’t scrapbook anymore,” she said.Cory is her second oldest son.“Cory called me and told me that he loved me and told me goodbye,” she said with tears in her eyes.Just months after his 16th birthday, Cory died by suicide.“I was completely shocked,” Swapp said. “I didn’t even know that was tumbling around in his mind.”She said Cory was seeing a therapist at the time of his death.“We had met for about an hour and it was a very tender and wonderful conversation,” she said.About 45 minutes later, Cory was gone.“The hard thing about suicide is you’re left with questions and it’s not one question, it’s 10,000 questions,” Swapp said. “It’s questions that you will never have answers for.”Through a podcast called “Light the Fight,” Swapp started talking about the things most families struggle to talk about – mental illness.Alongside her for each weekly episode is Cory’s therapist.“Both of us had been in that room and both of us had been trying to help him,” she said.Now, they help others.“I believe 100% that if we can shine light and if we can talk about stuff, then we’re in the fight and we can go to work,” she said.It was what motivated Swapp to go back to work and to create once again.In a way, Cory is there too. Swapp still wears his favorite Vans shoes when she works.“Telling his story, talking and laughing and remembering him is a huge part of healing,” she said. “If everything is just kept in the dark then we have nothing to work with.” 2157

Hillary Clinton tweeted her support on Wednesday of 11-year-old Mariana Taylor, who was reprimanded by her teacher in a Maryland school for kneeling during the Pledge of Allegiance. The former secretary of state and 2016 Democratic Party nominee for president said on Wednesday, "It takes courage to exercise your right to protest injustice, especially when you’re 11! Keep up the good work Mariana."Mariana's parents have joined with the ACLU after her teacher allegedly reprimanded the Catonsville, Md. sixth grader. Mariana, a student in the Baltimore County School District, has a rule that stipulates that students and staff must "stand and face the flag and while standing give an approved salute and recite in unison the Pledge of Allegiance."The next line of the rule does stipulate, however, "Any student or staff member who wishes to be excused from the flag salute shall be excused."Jay Jimenez of the Maryland ACLU spoke on the policy at a recent district board meeting, urging the board to clarify the district's policy.  "I decided to kneel because there is a lot of things I really don't agree with in the country happening - racism, sexism and the person in the White House, particularly the wall - it's not ok," Mariana said in May. "I feel like it's important to stand up for what I believe in and I want to inspire other people to do it too."According to the ACLU, Mariana was in tears after leaving the classroom as her teacher pushed to have her make a presentation explaining her actions to the class. After Mariana's parents were called by a school guidance counselor, her parents claimed there was confusion on whether students were allowed to forego the Pledge of Allegiance. "The Supreme Court has been very clear that students do not lose their First Amendment rights when they enter the schoolhouse door," Jimenez said. "The ACLU urges Baltimore County and all Maryland schools to review and update their policies to honor respectful student activism in the future, like silently ‘taking a knee' during the Pledge of Allegiance."The school's principal told the Washington Post that he agreed that the district's policy needed to be clarified.  2219

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