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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 on Monday announced he is nominating Alex Azar, a former pharmaceutical company executive and George W. Bush administration official, to succeed Tom Price as the secretary of the Department of Health and Human Services.In tweeting the announcement, Trump called Azar a "star for better healthcare and lower drug prices."He previously served as HHS general counsel and deputy secretary for President George W. Bush. Following his time with the administration, he worked for pharmaceutical giant Eli Lilly & Co. and became president of Lilly USA in 2012. As part of his role at Lilly USA, Azar was on the board of directors for the Boards of the Biotechnology Industry Organization (BIO), a drug lobbying group. He left Lilly USA and BIO in January. 782

POLK COUNTY, Fla. — Nathan Johnson brutally beat and sodomized a man before setting his corpse on fire when he was 16-years-old. Now, he will spend 75 years in jail for those gruesome actions.The following was released by the Florida State Attorney's Office:Nathan Johnson sat motionless as a 75-year sentence was handed down to him.On Friday afternoon, Judge Harb sentenced Johnson to 75 years for first-degree murder, 40 years for sexual battery, 15 years for abuse of a dead human body, and five years for tampering with physical evidence, all to run concurrently with each other. Johnson was also labeled as a sexual predator.Following a jury trial, jurors deliberated nearly three hours before finding Johnson guilty of these charges on Aug. 17, 2017. Because Johnson was 16 when he committed murder, a separate sentencing hearing was held Friday.Johnson and three other co-defendants – Michael Gunn, Anthony Johnson, and Brian Johnson Jr. – suspected Robert Banks had raped Johnson’s mother, so on Jan. 14, 2016, they lured him over with the intent to beat him up.“They were lying in wait inside the house,” said Assistant State Attorney Mark Levine. “When confronted about the baseless accusation of the sexual battery of their mother, Banks said he absolutely did not touch her.”But Johnson and his co-defendants didn’t like that answer. They charged Banks, who tried to run to safety, but they slammed the door in his face and began to beat him up.Levine told jurors Johnson and his friends would run across the room to kick him as hard as they could in the face and in the head – they shattered his face in the process. A co-defendant then grabbed a pipe and split his head open.“They destroyed this man,” Levine said.Close to the last minutes of his life, Johnson grabbed a flashlight and sexually battered Banks with it while taunting him. He then helped his brother tighten an electrical cord around Banks’ neck.“The defendant jumps on his (Banks’) back and was holding him down while kicking and punching, tightening the electrical cord, choking the life out of him,” Levine said. “Banks’ life was over, but the story and nightmare wasn’t.”Johnson memorialized the murder by taking multiple cell phone photos of Banks’ beaten and battered body. He sent those photos to his mother.After killing Banks and taking photos of him, Johnson called his father – Brian Johnson Sr. – to tell him what they’d accomplished. His father came over to help them dispose of the body to keep them from getting caught.They wrapped Banks with trash bags and a blanket, loaded him into a jeep, and drove to Sumter County. Banks’ body was dumped into the woods and set on fire.But Levine said their trip to Sumter County didn’t end there. Johnson and his co-defendants went to Circle K to buy drinks, and they were caught on the surveillance video.“This man and his cohorts didn’t have a care in the world,” Levine told jurors. “They were laughing and smiling.”When they returned to Polk County, Johnson and his co-defendants discarded the pipe and burned the mattress Banks’ body was laid on and clothes he was wearing.The next day, Banks’ body was spotted by a man driving his Jeep on trails in the woods. Law enforcement was called, and an investigation began, leading back to Johnson.At first, Levine said, Johnson kept denying his involvement. But he eventually confessed to luring Banks, beating him and taking the “trophy” photos of the aftermath.Levine said Johnson’s actions proved he intended to kill Banks. Once the plan was in motion, Johnson made conscious decisions and choices that led to one conclusion: Banks would be beaten until he was dead.But not only was Banks beaten, he was sexually battered.“The defendant was the one who took joy and twisted excitement in sexually battering him, and he memorialized it in taking a picture of it,” Levine said in his closing arguments. “He (Johnson) said and did things that make his intent explicitly clear.”“These are conscious choices this man made to brutally beat, sexually batter, burn and discard another human being. He deserves to be held accountable for his actions,” Levine said. 4154
President Donald Trump "is supportive of efforts to improve the federal background check system" for gun purchases, less than a week after the Florida school shooting that killed 17 people.Principal Deputy Press Secretary Raj Shah said in a statement on Monday that Trump spoke with Sen. John Cornyn, a Texas Republican, on Friday about a bill he introduced with Sen. Chris Murphy, a Connecticut Democrat, that aims to strengthen how state and federal governments report offenses that could prohibit people from buying a gun."While discussions are ongoing and revisions are being considered, the President is supportive of efforts to improve the federal background check system," Shah said. Students, teachers and lawmakers have urged Trump and other Republican lawmakers to take action on guns in the wake of the Parkland, Florida, shooting. 856
President Donald Trump said Tuesday North Korean dictator Kim Jong Un "has really been very open and I think very honorable based on what we are seeing" as the two gear up for an anticipated face-to-face meeting in the coming weeks.Trump said he is looking forward to meeting Kim "very soon" and indicated the North Koreans are pressing for talks to begin immediately."We are going to be having a meeting with Kim Jong Un and that will be very soon. We have been told directly that they would like to have the meeting as soon as possible," Trump said. 559
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