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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

PORTLAND, Ore. — Oregon Gov. Kate Brown says she has asked law enforcement leaders to review “any alleged incidents” involving their officers during a protest in Portland late Saturday into early Sunday.The governor said in a series of tweets Sunday evening that she's committed to building trust in the community.Officers were criticized online over the weekend after a news photographer was seen on video being pushed to the ground by an officer."Free speech and free press are two of my core values. I take the use of physical force by law enforcement officers seriously, whether it involves members of the public or the media," Brown said. "Journalists and law enforcement officers have difficult jobs to do during these demonstrations, but I do still believe that we can protect free speech and keep the peace." 824

President Donald Trump briefly appeared before reporters Thursday to tout June's job report as coronavirus cases continue to spike across the country.Trump said the report — which was released about an hour before the briefing — showed an increase in consumer confidence. He also touted big gains in the stock market, which just closed one of its best quarters in decades."It's coming back bigger and faster," Trump said.The briefing came a day after Johns Hopkins reported that the U.S. reported its highest single-day increase in new COVID-19 cases."We have some areas where we're putting out the flames or the fires, and that's working out well," Trump said. "I think you'll see that shortly."Trump left the briefing room without taking questions from reporters. Director of the United States National Economic Council Larry Kudlow and Treasury Sec. Steve Mnuchin took questions following Trump's departure.Mnuchin said that he feels states are "acting appropriately" in pausing some aspects of their reopening processes, and said that the Trump administration encourages all Americans to wear a mask. However, he added that he does not feel Trump needs to wear a mask because those who work with him daily are regularly tested for the virus.Mnuchin added that he believed that "most" schools would be able to open normally in the fall and that the administration was investigating ways to get federal funds to schools to facilitate reopening."We want to make sure kids are safe," Mnuchin said. 1505

President Donald Trump personally made the decision to abandon plans to impose more sanctions on Russia for supporting Syria's chemical weapons attack on civilians, according to three senior administration officials and a source familiar with the discussions.The first senior administration source said the Trump administration informed the Russian government there won't be an additional round of sanctions. The official said the call was made to the Russian Embassy on Sunday. They said the confusion caused by comments made by UN Ambassador Nikki Haley in a Sunday show interview when she said new sanctions were coming made the call necessary. 655

President Donald Trump said Monday that he will not be visiting the U.S. Capitol Rotunda to pay his respects to Rep. John Lewis.During a press gaggle at the White House ahead of his departure, Trump was asked if he would be visiting the Capitol building, where Lewis is lying in state."No, I won't be going. No," Trump said.Trump will be touring a biotech firm in North Carolina Monday afternoon before returning to Washington in the evening.According to The Associated Press, Vice President Mike Pence and presumptive Democratic presidential nominee Joe Biden are scheduled to pay respects Monday afternoon or evening.Funeral services for Lewis took place in Alabama over the weekend. On Monday, his body was flown to Washington and then escorted to the Capitol building by motorcade. Lewis will lie in state Monday evening and will be laid to rest following a funeral service in his home state of Georgia on Thursday. 927