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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

HONG KONG – Scientists at the University of Hong Kong claim to have the first evidence of someone being reinfected with the coronavirus that causes COVID-19.They said Monday that genetic tests show a 33-year-old man returning to Hong Kong from a trip to Spain in mid-August had a different strain of the virus than the one he’d previously been infected with in March.The man had mild symptoms the first time and none the second time, so his previous infection may have helped prevent serious illness.Experts say waning immunity could have implications for vaccine development and that the case shows the need to keep up social distancing and other prevention measures.Dr. Kelvin Kai-Wang To, who led the group of scientists, told The Associated Press that it’s unknown how many people can get reinfected, but there are probably more out there.Even if someone can be infected a second time, it’s not known if they have some protection against serious illness, because the immune system generally remembers how to make antibodies against a virus it’s seen before. 1069

Given today’s announcement by the NFL and the Washington team’s ownership, we are discontinuing the sale of items that reference the team’s name and logo. https://t.co/LtT7m7H3we— Walmart Inc. (@WalmartInc) July 3, 2020 227

HAMPTON, Va. — Students and teachers across Hampton Roads are preparing to start the school year virtually due to the COVID-19 pandemic. That means empty classrooms for a lot of teachers in the area, including Kecoughtan High School."Now it's a little bit different because you're looking around and going, 'Hey, they're not going to be filled,'" said Mark Mingee, a history and government teacher at the school and a 20-year teaching veteran. "I'm going to be looking at a screen to see their faces, as opposed to seeing them right in front of me."But Mingee is making his classroom a little fuller. He created a fundraiser where people can donate to a scholarship fund and have their picture shown on a desk.Mingee, an avid sports fan, said he got the idea after seeing several leagues around the world fill empty stands with cardboard cutouts."You started to see these images on screens various places, or in the transition of cardboard cutouts of people in the stands," he said. "The more I thought about it, the more I thought, 'Hey, if I'm going to be in my classroom, and I want there to be people around me, the best thing to do is try to emulate that in some way.'"So far, he said many friends, alumni and current students have taken part."We're used to, as teachers, having each one of those seats filled. So, as it appears those seats are filled, it makes you feel like a normal, everyday moment in class," Mingee said. "Anything we can do to encourage these students to keep doing better, that's really what we want."He hopes to fill as many seats as possible to help him and his students.For Mingee, it's all about staying positive."You've got to be serious as a teacher, but if you can have a little bit of fun while being serious, all the better," he said.This story was originally published by Zak Dahlheimer on WTKR in Norfolk, Virginia. 1863

Heather Locklear was taken to jail after deputies responded to her home Sunday night on a report of domestic violence, and she allegedly attacked a responding police officer.TMZ reports Locklear?became combative toward the officer at her home in Thousand Oaks, California. She was arrested on three counts of misdemeanor battery for the attack.Locklear, known for her roles in "Franklin and Bash," "Melrose Place" and several other TV shows and films, is 56 years old.In years past, she has been arrested on DUI charges. She's had struggles with drug abuse, TMZ says.It is not clear who was in her home when the domestic violence call was made to police. Locklear was expected to post bail, TMZ says.In September 2017, Locklear was hospitalized after being in a crash in Thousand Oaks. 818

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