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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

Here's what's making headlines in the political world Saturday, May 5, 2018.NYT: Trump knew about Stormy Daniels payment before denial-- President Trump knew about a 0,000 payment to adult film actress Stephanie Clifford, whose stage name is Stormy Daniels, before denying any knowledge of the payment last month, according to a New York Times report.Michael Cohen, the president's personal lawyer, made the payment in October 2016 just before the president won the 2016 election. President Trump has denied knowing anything about the payment to keep the alleged affair between him and Clifford under wraps.Last month, while aboard Air Force One, President Trump told reporters he knew nothing about the payment. This week, however, new Trump team lawyer Rudy Giuliani said the president had reimbursed Cohen for the payment.The president has continued to deny knowledge of the payment.Read more.Trump reassures NRA: "We will protect your Second Amendment"-- President Trump reassured a packed house at an annual meeting of National Rifle Association members, "your Second Amendment rights are under siege, but they will never ever be under siege as long as I am your president."Just returned home to the beautiful White House, from Dallas, where the Arena was packed to the rafters with the great fans and supporters of the @NRA. It was so wonderful to be there!— Donald J. Trump (@realDonaldTrump) May 5, 2018 1442

Hillary Clinton says she's "convinced" there was collusion between Russia and members of Donald Trump's team during the 2016 campaign, according to a Monday night interview with USA Today.When asked if she believes that there was collusion by Trump associates with Russians during the campaign, Clinton said: "I'm convinced of it.""I happen to believe in the rule of law and believe in evidence, so I'm not going to go off and make all kinds of outrageous claims," the former Democratic presidential hopeful said. "But if you look at what we've learned since (the election), it's pretty troubling."Ahead of the release of her new memoir, "What Happened," Clinton has been discussing her experiences from the campaign trail and the time following her loss to Trump. 772

HILLCREST, Calif. (KGTV) - As different industries and businesses are given the green light to begin the reopening phase after coronavirus restrictions, one industry says they’re being left in the dark. Brian Nguyen is the owner of two Hillcrest nail salons in San Diego and said they’re upset with the lack of information surrounding when nail salons will be able to reopen in California.“Very frustrated, seeing all these other businesses being able to open and nothing mentioned about us, not even a word,” he said.He said between the two salons they own in Hillcrest, they’ve had to pay around ,000 in rent during the three months of closure, while also losing at least an estimated six figures in revenue.In May, Governor Newsom had said Phase 3 of reopening would include hair salons, nail salons, barbershops, gyms, and movie theaters for counties that meet certain metrics. So far, all businesses on that list have been told either they can open or when they can open, except nail salons.When the closures started, Nguyen said they immediately began planning how to safely reopen. As a nail salon, they already took sanitizing steps and technicians wore masks and gloves, which will continue. In addition, they purchased panels for manicures that will go between the technician and the customer that will be cleaned between customers. All chairs will also be sanitized between people. They will take everyone’s temperatures before entering and are asking all customers to fill out a quick survey about their current health. They also spaced out all stations to add six feet between customers. At first, they will be appointment only. In addition, they added a new touch-free area to wash hands with a touch-free sink and soap dispenser.Hillcrest Nail Lounge employee Sarah Nguyen said it’s been hard to watch her place of work suffer and said she is ready to get back to work.“I want to go back to work, I want to get back to work as soon as possible and I want it now,” she said. “We want to pay taxes. We want the economy to go up. We don’t want it to stay like this.”She also said she hopes nail salons aren’t being punished because so many of them have Asian owners.“We all come to the United States, left our countries, come here to a better life but three months now, everything has changed,” she said.Brian and his wife Tracy own Hillcrest Nail Lounge and Tippy Toes Nails and Spa. 2407

HALF MOON BAY, Calif. (AP) — A commercial pilot from Oregon raised a giant pumpkin weighing 2,170 pounds (984 kilograms) to win a pumpkin-weighing contest in Northern California.Steve Daletas, of Pleasant Hill, Oregon, on Monday credited a good seed and lots of sunny days since he planted it April 15 hoping to win the 45th World Championship Pumpkin Weigh-Off in Half Moon Bay, California.It is the fourth time Daleta takes top honors at the annual pumpkin-weighing contest. He won ,190 for the lumpy pumpkin that will be showcased at Half Moon Bay Art & Pumpkin Festival this weekend.He says he used a backhoe to place it on a pickup truck and drove it for 12 hours to California.The world record for largest pumpkin was set in a 2014 weigh-off in Germany by Swiss farmer Beni Meier who grew a 2,323-pound (1,053 kilograms) pumpkin. 850