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States drafted plans Thursday for who will go to the front of the line when the first doses of COVID-19 vaccine become available later this month, as U.S. deaths from the outbreak eclipsed 3,100 in a single day, obliterating the record set last spring.With initial supplies of the vaccine certain to be limited, governors and other state officials are weighing both health and economic concerns in deciding the order in which the shots will be dispensed.States face a Friday deadline to submit requests for doses of the Pfizer vaccine and specify where they should be shipped, and many appear to be heeding nonbinding guidelines adopted this week by the Centers for Disease Control and Prevention to put health care workers and nursing home patients first.But they’re also facing a multitude of decisions about other categories of residents — some specific to their states; some vital to their economies.Colorado’s draft plan, which is being revised, puts ski resort workers who share close quarters in the second phase of vaccine distribution, in recognition of the billion industry’s linchpin role in the state’s economy.In Nevada, where officials have stressed the importance of bringing tourists back to the Las Vegas Strip, authorities initially put nursing home patients in the third phase, behind police officers, teachers, airport operators and retail workers. But they said Wednesday that they would revise that plan to conform to the CDC guidance.In Arkansas, Gov. Asa Hutchinson said health care and long-term care facility workers are the top priority, but the state was still refining who would be included in the next phase. A draft vaccination plan submitted to the CDC in October listed poultry workers along with other essential workers such as teachers, law enforcement and correctional employees in the so-called 1B category.Poultry is a major part of Arkansas’ economy, and nearly 6,000 poultry workers have tested positive for the virus since the pandemic began, according to the state Health Department.“We know these workers have been the brunt of large outbreaks not only in our state, but also in other states,” said Dr. Jose Romero, the state’s health secretary and chairman of the CDC’s Advisory Committee on Immunization Practices.Plans for the vaccine are being rolled out as the surging pandemic swamps U.S. hospitals and leaves nurses and other medical workers shorthanded and burned out. Nationwide, the coronavirus is blamed for more than 275,000 deaths and 14 million confirmed infections.The U.S. recorded 3,157 deaths on Wednesday alone, according to the tally kept by Johns Hopkins University. That’s more than the number of people killed on 9/11 and shattered the old mark of 2,603, set on April 15, when the New York metropolitan area was the epicenter of the U.S. outbreak.The number of Americans in the hospital with the coronavirus likewise hit an all-time high Wednesday at more than 100,000, according to the COVID Tracking Project. The figure has more than doubled over the past month. And new cases per day have begun topping 200,000, by Johns Hopkins’ count.The three main benchmarks showed a country slipping deeper into crisis, with perhaps the worst yet to come — in part because of the delayed effects from Thanksgiving, when millions of Americans disregarded warnings to stay home and celebrate only with members of their household.Keeping health care workers on their feet is considered vital to dealing with the crisis. And nursing home patients have proven highly vulnerable to the virus. Patients and staff members at nursing homes and other long-term care centers account for 39% of the nation’s COVID-19 deaths.As authorities draw up their priority lists for the vaccine, firefighter groups asked the Minnesota governor to placed in the first group. The Illinois plan gives highest priority to health care workers but also calls for first responders to be in the first batch to get the shot. Other states are struggling with where to put prisoners in the pecking order.Arizona Gov. Doug Ducey said he wants teachers to get priority so schools can stay open. Two California lawmakers asked for that, too, saying distance learning is harming students’ education.“Our state’s children cannot afford to wait,” wrote Republican Assemblyman Jordan Cunningham and Democratic Assemblyman Patrick O’Donnell. “This is too important to overlook or sweep aside.”The Utah Department of Health placed the state’s first order for its vaccine allotment Thursday.Utah officials said frontline health care workers will take top priority, with the five hospitals treating the most COVID-19 patients getting the first doses. State health officials said that additional doses likely will be available in February and March for more hospital workers, and essential workers — including police officers, firefighters and teachers — also will be prioritized.Texas is putting hospital staff, nursing home workers and paramedics at the top of the list, followed by outpatient medical employees, pharmacists, funeral home workers and school nurses. Nursing home patients did not make the cut for the first phase.Advocates strongly expressed frustration over the way some states are putting medical workers ahead of nursing home residents.“It would be unconscionable not to give top priority to protect the population that is more susceptible or vulnerable to the virus,” said John Sauer, head of LeadingAge in Wisconsin, a group representing nonprofit long-term care facilities.He added: “I can’t think of a more raw form of ageism than that. The population that is most vulnerable to succumbing to this virus is not going to be given priority? I mean, that just says we don’t value the lives of people in long-term care.”Iowa, which expects to get 172,000 doses over the next month, will make them available first to health care workers and nursing home residents and staff, while an advisory council will recommend who comes next to “minimize health inequities based on poverty, geography” and other factors, state Human Services Director Kelly Garcia said.For example, prison inmates and residents of state institutions for the disabled aren’t in the first round but will be put ahead of others, she said.___Foley reported from Des Moines, Iowa. Associated Press writers Andrew DeMillo in Little Rock, Arkansas; Geoff Mulvihill in Davenport, Iowa; Jim Anderson in Denver; Bob Christie in Phoenix; Steve Karnowski in Minneapolis; Sophia Eppolito in Salt Lake City, Utah; and Tammy Webber in Fenton, Michigan, contributed to this story. 6578

Subscription video-on-demand service Hulu announced that beginning Dec. 18, its two Live TV bundles would increase by per month.According to Hulu, Hulu + Live TV will go from .99 to .99, and Hulu (No Ads) + Live TV will spike from .99 to .99.Variety reported that new rates would apply to both current and new subscribers.News of the new rate comes exactly one year after the Disney-controlled company raised its prices last year.According to USA Today, Hulu will be the most expensive of the cable TV streaming alternatives.A few weeks ago, Netflix raised its standard and premium plans for its US subscribers. YouTube TV costs monthly, AT&T starts at , T-Mobile's TVision is , Sling starts at , and Philo is .None of them, however, offer ad-supported versions, USA Today reported.Hulu subscription without Live TV channels is not going up, Hulu's website showed.Hulu operates the most massive live TV streaming service in the US, with more than 4 million subscribers. In comparison, YouTube TV has 3 million subscribers, The Hollywood Reporter reported. 1095

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 The Big Ten and Pac-12 Conferences officially announced on Tuesday that they've postponed their upcoming 2020-21 college football season, which also includes all fall sports, due to the coronavirus pandemic.Both conferences are keeping the option of playing in the spring a possibility.Pac-12 said in a press release that when conditions improve, they'll consider a return to competition for impacted sports after January 1, 2021.“All of the Pac-12 presidents and chancellors understand the importance of this decision, and the disappointment it will create for our student-athletes, the coaches, support staff, and all of our fans,” said Michael H. Schill, president of the University of Oregon. “Ultimately, our decision was guided by science and a deep commitment to the health and welfare of student-athletes. We certainly hope that the Pac-12 will be able to return to competition in the New Year.”Pac-12 Commissioner Larry Scott said that playing in a bubble wouldn't work.“Unlike professional sports, college sports cannot operate in a bubble,” he said in the news release. “Our athletic programs are a part of broader campuses in communities where in many cases the prevalence of COVID-19 is significant. We will continue to monitor the situation and when conditions change we will be ready to explore all options to play the impacted sports in the new calendar year.”In a press release, the Big Ten conference said that multiple factors, which included advice and counsel of the Big Ten Task Force, contributed to them postponing fall sports.“The mental and physical health and welfare of our student-athletes have been at the center of every decision we have made regarding the ability to proceed forward,” said Big Ten Commissioner Kevin Warren in the statement. “As time progressed and after hours of discussion with our Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee, it became abundantly clear that there was too much uncertainty regarding potential medical risks to allow our student-athletes to compete this fall."The Big Ten Conference was the first major conference to cancel fall athletics.“We know how significant the student-athlete experience can be in shaping the future of talented young women and men who compete in the Big Ten Conference," said Warren in the statement. "Although that knowledge made this a painstaking decision, it did not make it difficult. While I know our decision today will be disappointing in many ways for our thousands of student-athletes and their families, I am heartened and inspired by their resilience, their insightful and discerning thoughts, and their participation through our conversations to this point. Everyone associated with the Big Ten Conference and its member institutions is committed to getting everyone back to competition as soon as it is safe to do so.”Along with football, the Big Ten said that men’s and women’s cross country, field hockey, men’s and women’s soccer, and women’s volleyball were also canceled.“Our primary responsibility is to make the best possible decisions in the interest of our students, faculty, and staff,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President.The Big Ten hopes to play football in the spring. 3325 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 Apple iPhone has come a long way since it debuted in 2007 with 4 gigabytes of storage space.The ubiquitous device's capabilities, sophistication and internal storage have increased dramatically in that time but its design has largely stayed the same.Take a look back at the iPhone's many models in our photo gallery. Click the link below to see it.Photos: Apple's iPhone through the yearsClint Davis is a reporter for the Scripps National Desk. Follow him on Twitter @MrClintDavis. Keep up to date with the latest news by following @ScrippsNational on Twitter. 577

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