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Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

From birthdays to graduations to Sunday dinner, the COVID-19 pandemic has changed how families gather, especially when grandparents are involved."If you would have asked me as recently as six to nine months ago, if we would have ever considered buying or owning an RV, that would have probably been the furthest thing from my mind," said Chuck Boetsch.For Chuck and his wife, Robyn, travel has always been a priority both domestic and international. But back in 2017, Chuck had a left lung transplant after dealing with idiopathic pulmonary fibrosis for four years, leaving him immunocompromised."One of the things that, being at an advanced age is the desire when you have children and grandchildren is to have the ability to see them. So, being locked down since March, it’s been really difficult not being able to have the personal interaction with our children and grandchildren," said Chuck.Chuck and Robyn live in Tampa with one of their daughters, the other three live in Wisconsin, Illinois, and Colorado."FaceTime and technology are great but it’s no substitute for seeing people individually. So, after thinking about it for quite some time and how we could do it knowing that flying for both of us is out of the question, we decided to rent an RV," said Chuck.They liked it so much, they bought their own. They believe it's the only way to safely see family for at least the next few years. Not only do they not deal with other people at airports or on planes, but they’re staying in a much safer environment."So far, we’ve really kind of enjoyed it, it’s been fun," said Robyn.They say they’ve seen parts of the country they never knew were so breathtaking that they've always just flown over."I didn’t know it was so beautiful. Those states are just absolutely gorgeous," said Robyn.So far, they’ve taken a trip out west to visit family in Colorado. They just got back from a 12-day trip up north stopping to see two of their daughters and their families, even celebrating Robyn's birthday."It’s not without its problems, though. There’s a lot that goes into it in terms of planning, how much medication you take, how much food you take, how many miles can you effectively drive in one day, and where we’re going to stop," said Chuck.However, it’s all worth it when you get to spend time with your family."We miss our family. And that’s the only way we can see them," said Robyn. 2400

Here's a look at rampage killings that have occurred in the United States since the 1940s. Includes incidents with four or more killed (not including the perpetrators). Not included are suicides, gang-related incidents or deaths resulting from domestic conflicts.US Timeline (selected only): 299

Good news, "Jeopardy!" fans. The game show is returning for its 37th season, along with some familiar faces.The show announced new episodes would premiere Sept. 14, and it will have a fresh look amid the coronavirus pandemic.Host Alex Trebek will return as he battles pancreatic cancer.“I feel good, and I feel excited because once again, JEOPARDY! has demonstrated that it’s at the forefront of television programming,” Trebek said in the press release. “I believe we are the first quiz show to come back on the air in the COVID-19 era. On a personal level, I’m excited because it gets me out of the house. It gives me something to do on a regular basis, and I was missing that.”74-time champion Ken Jennings is joining the show as a consulting producer. 763

HAMPTON ROADS, Va. - A new study shows that teens who use vaping devices or e-cigarettes could be at an elevated risk for contracting COVID-19."Maybe they have been in contact with contaminated surfaces or it's been a while since they washed their hands, then they bring a device to their mouth; there are many risks," said Dr. Danielle Lecky-Chadhuri with Pediatric Partners of Hampton Roads.She says young people may think their age protects them from getting coronavirus, but that is not true."Smoking is going to increase receptors in the lungs lining that COVID and or other viruses like influenza can attach to and cause further inflammation," said Lecky-Chaudhuri.A new study by Stanford University School of Medicine published in August found that teens were five to seven times more likely to experience COVID-19 symptoms like coughing, fever, and shortness of breath compared to those who never smoked or vaped."Even the ones that are nicotine-free have been shown to have traces and small amounts of nicotine in them," she said.Lecky-Chaudhuri says teens are more vulnerable to nicotine dependence."Certainly the younger they are, the brain is not matured, and that would increase sustainability to be addicted and dependent," she said.Nicotine isn't the only danger of using e-cigarettes."We have seen injuries from burns, explosions, chemical injuries as well as nicotine exposure and overdose," she said.Lecky-Chaudhuri recommends talking to your children about acute and long-term effects – perhaps listing reasons that would relate well to them."Maybe tell them they may not like the way their hair and my clothes smell and that they could be at an increased risk of staining their teeth or decreased athletic performance."This story was first reported by Chelsea Donovan at WTKR in Norfolk, Virginia. 1825