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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

President Donald Trump and first lady Melania Trump will travel to Pittsburgh on Tuesday, White House press secretary Sarah Sanders said Monday.She called the "heinous killing" at the Tree of Life Synagogue in Pittsburgh "a chilling act of mass murder" and an "act of hatred," adding that anti-Semitism is a "plague to humanity" and something that all Americans "have a duty to confront.""The American people reject hatred, bigotry, prejudice and violence," she said during the first White House press briefing in 26 days.Sanders noted that the President -- whose daughter, son-in-law, and three grandchildren are Jewish -- "adores" and "cherishes" the Jewish community, her voice breaking up at times. 710

President Donald Trump on Friday morning defended his tariffs against China despite market concerns, at one point saying, "we've already lost the trade war."The President took to Twitter and a radio interview to make his case after he threatened tariffs on 0 billion more in Chinese goods."We've already lost the trade war. We don't have a trade war. We've already lost," Trump told WABC radio, noting the US trade deficit with China and the country's theft of US intellectual property. 497

President Donald Trump decried New York's decision to paint a large "Black Lives Matter" mural on the city's famed Fifth Avenue on Wednesday, calling the mural a "symbol of hate."In late June, New York City Mayor Bill de Blasio announced that the mural would be painted on Fifth Avenue between 56th and 57th Streets — right in front of Trump Tower. Dozens of cities across the country have painted similar murals on city streets, following in the footsteps of Washington, D.C."NYC is cutting Police $'s by ONE BILLION DOLLARS, and yet the @NYCMayor is going to paint a big, expensive, yellow Black Lives Matter sign on Fifth Avenue, denigrating this luxury Avenue," Trump tweeted Wednesday morning. "This will further antagonize New York's Finest, who LOVE New York & vividly remember the horrible BLM chant, 'Pigs In A Blanket, Fry 'Em Like Bacon'. Maybe our GREAT Police, who have been neutralized and scorned by a mayor who hates & disrespects them, won't let this symbol of hate be affixed to New York's greatest street. Spend this money fighting crime instead!" 1082

President Donald Trump couldn't get Obamacare repeal, an infrastructure plan or a border wall, but there's one big wish-list item he's succeeded in conjuring into reality: tax cuts.The greatest policy success of his first year in office was passing a landmark tax reform, something the Republican Party hadn't been able to do despite decades of trying.Now, with only two weeks left before voters go to the polls, he's promising middle-class voters another tax cut, with a plan coming before the midterms -- though his fellow Republicans in Congress, which is in recess through the election, have said they aren't aware of any such proposal already in the works.Speaking in the Oval Office on Tuesday, Trump said a "resolution" would be introduced in Congress next week outlining a "pure 10% tax cut" on top of what middle-class Americans received last year.His comments came a day after he promised at a rally in Texas that the top Republican tax-writer in Congress, House Ways and Means chair Kevin Brady, was already at work: "It's going to be put in next week. Ten percent tax cut. Kevin Brady is working on it. We have been working on it for a few months. That is in addition to the big tax cuts you have already gotten."Brady's office, after initially referring questions to the White House, said in a statement Tuesday that a plan is in development -- and suggested that it would be passed if the GOP can maintain control over both the House and Senate. "We will continue to work with the White House and Treasury over the coming weeks to develop an additional 10% tax cut focused specifically on middle-class families and workers, to be advanced as Republicans retain the House and Senate."So far, the White House has offered no concrete details on the fresh tax proposal or how it would be paid for amid a ballooning federal deficit as a result of last year's .5 trillion tax cut and a massive spending bill. Peter Navarro, one of the President's top trade advisers, told CNN chief business correspondent Christine Romans on Tuesday the White House is considering a proposal that would be "revenue neutral," adding a tax cut for the middle-class would be a "really good thing for this country."Trump's tax comments, starting over the weekend, sent Washington into a frenzy of trying to figure out what he was talking about.Aides on Capitol Hill scrambled to figure out what he meant -- and in the House, sent them scrambling to figure out if they could, or even needed to, draft something that would address what the President was promising. In the Senate, GOP officials said calls and e-mails were sent to their House counterparts for guidance this past weekend, only to find out there wasn't any -- nobody was sure what exactly the President was referencing.With both chambers still under Republican control, legislative proposals can move quickly if prioritized by leadership, including bypassing the committee process altogether. But there are currently no plans to do anything of the sort, the aides said -- primarily because nobody has pinned down what, exactly, the President wants."Your guess is as good as mine," said one senior House GOP aide. As to whether something could eventually happen? "I guess," the aide said. "But it's not like we don't have a lot on our plate after the election."The President's top economic adviser, Larry Kudlow, sought on Tuesday to temper expectations, suggesting a tax cut may not materialize for some time."It may not surface for a while," Kudlow told reporters in a driveway gaggle. "But that's his goal. That's his policy intent. I don't see anything wrong with that."Kudlow nevertheless stressed that Trump managed to get his first tax cut through, too, against expectations."Take him seriously when he comes out with these things," Kudlow said. "That's been his pattern for a long time. People should not underestimate that."The whole episode echoes almost note-for-note the origin of Trump's first tax bill, which originated with a promise by the president to unveil details of a historic tax overhaul plan in "one week" ahead of his 100-day mark in office.At the time, most people knew that staff at Treasury had yet to begin substantial work on anything. The 2017 tax reform was initially introduced as a one-page summary by Treasury Secretary Steven Mnuchin and then-National Economic Council Director Gary Cohn in a hasty April 2017 White House briefing room appearance -- but that document was written into the plan that ultimately passed Congress and landed on Trump's desk in December."Trump benefitted by a lot of work that was done already by the House GOP led by Kevin Brady and Paul Ryan," said Kyle Pomerleau, an economist at the Tax Foundation, a non-profit think tank in Washington. "I am not sure I can give this method credit. Tax reform had been on the minds of Hill staffers for a while by the time Trump announced the details were coming."The President's latest tax pitch appears strategically designed to rally Republican voters ahead of the midterm elections next month. GOP leaders have been increasingly frustrated that last year's tax cuts aren't resonating with Americans as much as they hoped.Messaging by Democrats that the administration's tax law was overly generous to the rich and big corporations appears to have won over public opinion, polls show."If the President had only talked about our actual tax cut for the last year, he wouldn't have to be proposing a fake one now and our members would be in far better shape," a senior Republican congressional aide told CNN late Monday night.Top administration officials have repeatedly tried to sell last year's tax cut as a lift for middle-class Americans' pocketbooks."You know, we've already given the middle class, with an income of ,000, you got about a ,000 tax hike, and you're going to get a wage increase," Council of Economic Advisers chairman Kevin Hassett said Tuesday in a call with reporters. "He's saying ... now, that after the election he's going to pursue giving people an additional 10% tax cut."But comments by Navarro in his CNN interview Tuesday underscored the sweep of the corporate elements in the package."For me, the beauty of the Trump tax cut was on the corporate side," said Navarro in an interview. "As somebody who watched with dismay over a decade have our jobs move off shore in part because of unfair trade practices but also in part because of a high corporate tax rate here, it was really great to get that corporate tax rate down to 21 percent."Trump has in recent days expressed his dissatisfaction that the fallout over dissident Saudi journalist Jamal Khashoggi's death has eclipsed his efforts on the campaign trail, multiple sources with knowledge of the situation told CNN.The tax idea surfaced publicly over the weekend, with Trump's initial comments on Saturday amplified by Treasury Secretary Steven Mnuchin in an interview with The New York Times in Israel. Mnuchin said he's been working on a tax plan with Brady that would be unveiled "shortly."He described the new initiative as "different" than a tax bill that that passed the House earlier in the September to make individual tax cuts permanent. They are currently set to expire in 2025.Tax policy analysts were left to surmise possible explanations of what the President meant, with the prevailing view being that Trump was referring to a 0 billion tax cut that would link capital gains taxes to inflation.Earlier this summer, Mnuchin said Treasury was looking into whether the agency could use its regulatory powers to make a unilateral change on capital gains, bypassing Congress.But Trump made clear on Monday, en route to the rally in Houston that he had no intention of bypassing Congress: "We're putting in a resolution sometime in the next week-and-a-half or two weeks." 7835

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