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The average debt among undergraduate students with loans in the class of 2019 is ,950, according to a new report from The Institute of College Access and Success, a nonprofit focused on higher education research and advocacy.That debt marks a slight decrease from ,200 for the class of 2018. The percentage of students in the class of 2019 who took out loans also dropped compared with 2018, from 65% to 62%.Debbie Cochrane, executive vice president of TICAS, says these shifts align with a general flattening of debt levels in recent years, due in part to increased state investment in higher education. But this trend and that funding could end due to the economic effects of COVID-19.“These students graduated in 2019,” Cochrane says. “We’re now in the middle of an economic and health crisis that puts all those gains in jeopardy.”Average student debt over timeAverage student debt growth has slowed, but indebtedness has increased substantially since TICAS issued its initial report on the subject 15 years ago.“What’s clear is that despite the flattening in recent years, debt has not been flat in the longer period,” Cochrane says.In 2004, the average student debt was ,550 — roughly 56% less than it is for the class of 2019. TICAS says inflation was 36% over the same period of time.Average debt has increased even faster in some states. For example, TICAS found that debt among graduates in New Jersey has grown 107% since 2004, rising from ,223 to ,566.The pandemic will likely accelerate this growth.“Students who are still in college or considering college now have frequently seen their family’s ability to pay for school change dramatically because of the economic crisis,” Cochrane says.She says it’s unclear what policymakers will do to support these students.Managing federal student debtRelief is available to most federal loan borrowers, as their payments are suspended interest-free through Dec. 31.But once payments restart, if you owed the average debt of ,950, your monthly bills would be roughly 0, assuming an interest rate of 4.5% and a 10-year repayment term.That may be difficult to afford if you’re facing an economic hardship.You could continue to pause payments, but pay interest for doing so. A better long-term solution is enrolling in an income-driven repayment plan.“Income-driven plans usually can fit someone’s budget,” says Betsy Mayotte, president and founder of the nonprofit Institute of Student Loan Advisors.These plans set federal loan payments at a percentage of your discretionary income, typically 10%. Monthly payments can be SunTrust says a former employee may have tried to print information on about 1.5 million customers and share it with a "criminal third party."Chairman and CEO William Rogers Jr. made the announcement Friday as the regional bank released its quarterly earnings.Rogers said the bank believes the information included names and account balances, but not Social Security numbers, account numbers or passwords. He also said the bank has not identified "significant fraudulent activity" on the accounts.Rogers said this was discovered "in conjunction with law enforcement." He did not identify or elaborate on the criminal third party.SunTrust is the 12th-largest US commercial bank by assets, according to the Federal Reserve. The stock was down 3% in premarket trading after the announcement.  802 if you earn below a certain amount.Options for private loan borrowersRoughly 16% of graduates in the class of 2019 have nonfederal loans, according to TICAS. If you’re among them, contact your lender immediately if you can’t afford payments.“I wouldn’t call after your first bill is due,” Mayotte says. “I would call before that and let them know you’re struggling.”She says you may be able to pause payments or make interest-only payments temporarily. You could also ask your co-signer for help, if you used one.Another option would be refinancing private loans at a lower rate. But you or a co-signer will need steady income and a credit score in at least the high 600s to qualify.For example, refinancing ,950 from 4.5% to 3.5% would reduce your monthly bill by and save you ,652 over a 10-year term. If you needed more wiggle room in your budget, you could refinance to a 15-year term to lower your payments by — but you’d pay ,249 more overall as a result.Use a student loan refinance calculator to help find the right repayment terms for you.If you have federal student loans, don’t refinance them until at least the payment suspension ends. Refinancing costs you access to that payment pause and other government programs like income-driven plans.More From NerdWallet2020 Student Loan Debt StatisticsIncome-Driven Repayment: Is It Right for You?How to Get Student Loan Relief During the Coronavirus and BeyondRyan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. 4103

Tall people are at a greater risk of cancer because they have more cells in their body, new research has suggested.A person's risk of developing cancer increases by 10 percent for every 10 centimeters (4 inches) they are over the average height, the study said, because they have more cells which could mutate and lead to cancer.Average height was defined in the study as 162cm (5 feet, 4 inches) for women and 175cm (5 feet, 9 inches) for men.The findings match with previous research, which has also connected height to an increased risk of developing a range of health problems including blood clots, heart problems and diabetes.Leonard Nunney, a professor of biology at the University of California Riverside, analyzed previous sets of data on people who had contracted cancer -- each of which included more than 10,000 cases for both men and women -- and compared the figures with anticipated rates based on their height.He tested the hypothesis that this was due to the number of cells against alternatives, such as possible hormonal differences in taller people, which could lead to an increased rate of cell division.A link was found between a person's total cell number and their likelihood of contracting cancer in 18 of the 23 cancers tested for, the study says.The research also found that the increase in risk is greater for women, with taller women 12 percent more likely to contract cancer and taller men 9 percent more likely to do so. Those findings matched with Nunney's predicted rates, using his models, of 13 percent for women and 11 percent for men.Colon and kidney cancer and lymphoma were among the types of cancer for which the correlation was strongest."We've known that there is a link between cancer risk and height for quite a long time -- the taller someone is, the higher the cancer risk," Georgina Hill from Cancer Research UK told CNN."What we haven't been sure of is why -- whether this is simply because a taller person has more cells in their body, or whether there's an indirect link, such as something to do with nutrition and childhood," added Hill, who was not involved in the study.She said the study provides good evidence of the "direct effect" theory that the total number of cells does indeed cause the link."The methodology is good - they took data from large studies, which is important, and they looked at lots of different categories of cancer."But she noted that the increase in risk of developing cancer is small compared to the effects that lifestyle changes can have."It was only a slightly higher risk and that there are more important actions that people can take to make positive changes, [such as] stopping smoking and maintaining a healthy weight," she said.Two of the types of cancer tested for, thyroid cancer and melanoma, were found to be more susceptible to an increase in risk than expected, and Nunney suggested in the study that other factors could be at play in those cases, such as geography."There are no obvious reasons for these exceptions, although the author speculates that cell turnover rates may come into play for melanoma," Dorothy C. Bennett, director of the Molecular and Clinical Sciences Research Institute in London told CNN. Bennett, who was not involved in the study, explained that pigment cells, the source of melanoma, divide and are replaced a little faster in taller people."But I cannot at present think of any reason why this [faster division] should be so, but nor any other clear reason for the higher correlation with height," Bennett said. 3548

Tennis star Venus Williams has reached a settlement in the wrongful death suit centered around a fatal car accident, according to court documents.The accident, in which the other driver's Hyundai Accent crashed into Williams' Toyota Sequoia, resulted in the death of Jerome Barson two weeks later. His wife, Linda, was driving and was injured when the crash happened at an intersection in Palm Beach Gardens.Court filings from last week show that the case was dismissed with prejudice after a settlement was reached between Williams and Barson's estate, but the settlement amount was not listed.No charges were filed against the tennis star and a second driver over the crash in June 2017, Florida authorities said.An investigation supported by video surveillance showed Williams did not violate the other driver's right of way, the Palm Beach Gardens Police said in an investigative report obtained by CNN affiliate WPBF."Based upon this investigation and relevant Florida state statutes, no charges will be filed in this case," the report said. 1054

The American Red Cross is in need of donors.The nation is facing an emergency shortage and all blood types are needed.The Red Cross is hoping to lure donors by offering gift cards between now and Aug. 30.If you give blood or platelets, the Red Cross will email you a Amazon gift card.To make an appointment, visit RedCrossBlood.org.  349

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