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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 TAMPA, Fla. -- As parents across the country grow more concerned every morning when they send their kids to school, more and more are turning to bulletproof backpacks.“After Sandy Hook, people couldn’t wrap their minds around a bulletproof backpack but now they think it’s something that they need," said Yasir Sheikh, the president of Guard Dog Security.The Sandy Hook shooting inspired Sheikh to create a backpack out of bulletproof materials. It doesn’t seem like much. The backpack has just a thin layer of kevlar, but it is certified to withstand handgun rounds.“Ideally, we think with the way things are going this should become mandatory, common for all students," said Skeikh. "It’s a sad reality, it’s become a new normal."Others feel the same. Just three days after the deadly school shooting in South Florida his company saw a 150 percent increase in the number of bags they shipped.But do they actually work?Ryan Hart is a certified firearm instructor for defense training company Ground Ready International Training, or G.R.I.T Ready. He also teaches active shooter survival courses.Hart put a barrel with sand behind the backpack to simulate a body and took aim with his Glock 19.“The rounds definitely penetrated the front of the bag here," said Hart inspecting the shot-up bag, "But if we flip it over there’s no penetration past the armor itself."Next up: the AR-15.In the last decade, this style of gun has been used in six of the 10 deadliest mass shootings throughout the country, including the Parkland school shooting.“It went right through the soft armor," Hart said after spraying the backpack with bullets from the AR-15.It's what Hart expected, as the Guard Dog Security backpack is not certified to withstand assault-style weapons. To stop bullets from a similar weapon, the backpack would need to be equipped with steel plates like those installed in military vests. However, that would make the backpack fairly heavy to carry.“I would recommend (the backpack), yes," Hart said. "While it did not stop a direct shot from an assault rifle it can still stop bullet fragments, ricochets, glass flying through the air.”Then we posed this question to Skeikh: "What do you think it says about our society that we are resorting to items like this?"The backpacks cost between 0-200. Fifty percent of the proceeds from sales of the backpacks right now will go to the victim's families of the Parkland shooting.Guard Dog Security is also looking into possibly making backpack, that would have the ability to stop assault-style weapons. 2664 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

State of Nevada “thinks” that they can send out illegal vote by mail ballots, creating a great Voter Fraud scenario for the State and the U.S. They can’t! If they do, “I think” I can hold up funds to the State. Sorry, but you must not cheat in elections. @RussVought45 @USTreasury— Donald J. Trump (@realDonaldTrump) May 20, 2020 337

The 52nd Annual Country Music Association Awards were held Wednesday at Bridgestone Arena in Nashville, Tennessee.The following is a list of this year's nominees and winners. 182

The bankruptcy filing allows Remington to stay in business while restructuring its massive debt. The company has been planning to reduce its debt by 0 million through the Chapter 11 process and contribute 5 million to its subsidiaries.Remington plans to keep on making guns. The company said, when it first announced its plan to file for bankruptcy in February, that operations "will not be disrupted by the restructuring process."Founded in 1816, Remington is one of the oldest and best-known gun makers in the world. It's owned by Cerberus Capital Management, which plans to shed ownership once the bankruptcy is complete.Remington is headquartered in North Carolina. It makes a variety of handguns, shotguns and rifles at its sprawling 19th-century factory in Ilion, N.Y.Its products include the Bushmaster AR-15-style rifle that was used in the 2012 mass shooting in Newtown, Connecticut. The company has been sued by family members of the Sandy Hook victims.An attorney from the law firm representing those family members said it does not expect the bankruptcy filing to affect its clients' case "in any material way."The company also settled a class action lawsuit a few years ago regarding allegations of defective rifles.The gun industry as a whole has suffered plunging sales and profits under the Trump administration, because consumers are no longer driven by fears of more restrictive gun control with a Republican in the White House who's been endorsed by the National Rifle AssociationAmerican Outdoor Brands, which owns the brand Smith & Wesson, reported dismal earnings earlier this month as did Sturm Ruger in February, and they've laid off hundreds of workers.  1702

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