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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 Tesla CEO Elon Musk said he may be willing to buy one of the plants General Motors is planning to close if the automaker is willing to sell the property to him."It's possible that we would be interested. If they were going to sell a plant or not use it that we would take it over," he said in an interview on "60 Minutes."GM announced late last month that it was planning to shut down five plants in North America next year including the Detroit Hamtramck assembly and Warren transmission plants.A plant in Lordstown, Ohio, is also scheduled to close.Tesle actually bought a plant jointly owned by General Motors and Toyota back in 2010 for million. It is now one of the company's main production facilities. 730 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

The app Nextdoor announced its added new features for families looking to celebrate Halloween safely amid the pandemic.According to the social networking company, their Treat Map, which has been up and running since Oct. 1, typically shows homes that pass out candy in your neighborhood.This year, the company added new features, including homes displaying Halloween decorations, so you can drive by to look at the spooky decor.The maps will also show which homes have pumpkin projects or participate in a costume wave parade, which is where you wave at your neighbors safely from your vehicles while wearing your favorite costumes. 640

The body of Alonzo Brooks, whose case was featured in the Netflix series "Unsolved Mysteries," was exhumed by the Federal Bureau of Investigation on Tuesday in Topeka, Kansas.In a statement to E.W. Scripps, FBI spokeswoman Bridget Patton said Brooks' body was exhumed "as part of the ongoing investigation."According to the FBI, Brooks, 23, went missing after he attended a party at a rural house in La Cygne, Kansas on April 3, 2004. 442

States and regional health departments have created a patchwork of COVID-19 precautions and safety measures this holiday season. One challenge all of them face is enforcement.In Oregon, the governor is asking people to call the cops on their neighbors if they see people violating COVID-19-related restrictions like gathering sizes.“Do you want people calling the police on their neighbors?” a reporter from KGW asks Governor Kate Brown.“Look, this is no different than what happens if there’s a party down the street and it’s keeping everyone awake. What do neighbors do? They call law enforcement,” Governor Brown responds. 633

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