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The Army-Navy football game in December has been moved from Philadelphia to West Point because of attendance limits placed on outdoor events in Pennsylvania. By playing the game on Army's home field in New York, the entire Brigade of Midshipmen and Corps of Cadets will be able to attend. 296

TAMPA, Fla. (AP) — In his first trip to Florida at the Democratic presidential nominee, Joe Biden sought to build support among Latinos, who could decide the election in one of the nation's fiercest battleground states. WATCH LIVE:In a roundtable with veterans in Tampa on Tuesday afternoon, Biden tore into President Donald Trump for his reported remarks referring to fallen soldiers as "suckers" and "losers." Later in the day, Biden will hold a Hispanic Heritage Month kickoff event in Kissimmee, near Orlando, as part of an urgent mission to build support among Latinos who could decide the election in one of the nation's fiercest battleground states. 664

TAMPA — A St. Petersburg, Florida soldier is finally reuniting with a dog she rescued while she was deployed in Iraq in 2017. U.S. Army Reserve Sgt. Tracy McKithern said she first laid eyes on a the little puppy as it sniffed around the base with its mom.McKithern said the puppy and the mom were clearly starving, and abused by locals, kicked and hit with rocks everyday. They were covered with dirt and scratches. The puppy had two siblings, but McKithern said they both disappeared.It didn't take long for the puppy and her mom to realize they were safe near the base, and would be fed too. As weeks went by, the puppy and its mom both gained weight and their wounds started to heal."She loved everyone," said McKithern. "She is the sweetest little soul. She came up to me immediately, probably hungry, but gentle. I think she was looking for love more than anything else."McKithern named the puppy Erby Kasima. Erby, after the the largest city in Northern Iraq, Erbil and Kasima, the Arabic name for "beauty and elegance."McKithern said she along with soldiers from Italian and German armies her unit was partnered with, began taking care of the dogs. McKithern was totally in love with Erby and said the puppy was always waiting at the base for them to return when they'd go on missions. But towards January 2018, as her 1-year deployment was expected to end, McKithern couldn't imagine leaving Erby behind. She decided to post a picture of the dog to Facebook with the caption, "I wish I could take her home.""I went to sleep, woke up and my friends and family had posted links to various rescue groups. I reached out to one of them and they responded immediately," McKithern said.She got in touch with one and sent them ,000 dollars to get the ball rolling."A complete stranger donated ,000 and it was around Christmas, so it was like a cute note, like Merry Christmas, or Happy New Year, it was amazing," she said.The non-profit, Puppy Rescue Mission, raised the rest of the money needed, which was ,500, from complete strangers. McKithern was beyond excited and grateful.But before Erby could leave, she needed vaccinations, documentation, and travel arrangements which became a daunting task for McKithern, who still needed to fulfill her duty as a soldier. She started to get worried the rescue wouldn't pan out. Instead, her German and Italian friends stepped up, promising to tie up any loose ends and get Erby on the plane.Erby was set to arrive JFK airport on March 11. Just days before, McKithern got word she would be deployed that SAME day, on a 67-day mission to Fort McCoy, Wisconsin. She wouldn't be able to greet Erby, let alone see her for another 2 months."I was pretty sad, I mean I mention to my husband quite a few times, I love the Army and what we do, but I was pretty sad," she said. McKithern came home and was reunited with the dog she fell in love with and saved. She said none of this would have been possible without the help from strangers, and the friends she made in Iraq at her base. "I can't believe it," said McKithern. "It feels like a miracle is happening."Erby's mom is still in good hands being taken care of on the base, but McKithern hopes she can get adopted as well. Unfortunately it costs thousands of dollars to bring the dog to the United States, but she is optimistic Erby's mom will be adopted too.For more on McKithern's story, click here. 3498

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 Starting Saturday night, Tropical Cyclone Douglas will approach the State of Hawaii from the east. Increasing chances of heavy rain and strong winds could affect portions of the state beginning Sunday. It is too early to tell which islands will be impacted by #Douglas. pic.twitter.com/F8UXnpAZ7a— National Weather Service (@NWS) July 23, 2020 351 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

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