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TAMPA, Fla. — Seconds after 17-year-old Lexi Banks was born, she was rushed into surgery. The 4-pound newborn was turning gray, struggling to breathe with doctors pulling her out of her mother’s embrace to perform an emergency tracheotomy.“Your daughter needs this or she will die,” Lexi’s mom, Kim Cashman, remembers doctors telling her. That would be the first of many surgeries Lexi would have to endure throughout her childhood and teenage years. The surgeries haven’t stopped. But, Lexi’s Dr. Ernesto Ruas is hopeful the recent surgeries he’s performed on Lexi will be the last.“I’m hoping in a couple of years she will be done,” Ruas said. Ruas is harvesting a bone from her fibula (calf bone) and taking her peroneal artery to make sure her new jaw has enough blood flow and circulation to survive. “The whole procedure depends on two little vessels that measure 1.5 mm to 2 mm. If those vessels get plugged up we are in trouble. She is not in trouble. The procedure is in trouble,” Ruas said. When Lexi was 6-years-old, Ruas tried a similar procedure. Ruas said her body rejected her bone and over time it disintegrated. Now that she is an adult, Ruas hopes this surgery will be the big break Lexi and her family have been waiting for.Lexi wasn't able to eat solid food until she was 16-years-old. She had a tube inserted in her stomach for her entire life and until recently she lived with a trach tube. In the past two years, she has come a long way. Able to eat solid food and breath without the help of a trach. Not only will the surgery give Lexi the jaw she was never born with. But, it will help her breath better on her own and be able to finally eat food like everyone else.Lexi was born with a rare condition called Goldenhar?disease. According to the U.S. Department of Health and Human Services, "it is a condition that is present at birth and mainly affects the development of the eye, ear, and spine."“Everything just stopped developing for a moment, and at that moment that’s when everything stopped, particularly on her one side", Cashman said. “So, the blood vessels just stopped for a moment, her ear stopped developing, her jaw.”Lexi was born without a right ear, and her jaw was deformed, almost detached from her face.“I want to just be happy about myself and people accept me,” Lexi said. Scripps station WFTS in Tampa talked to her before her first surgery, her speech impaired because her mouth was partially wired shut to keep her jaw in place for the upcoming surgery.“People normally are nice but there’s always people out there mean, and people stare at me and say bad names to me,” Lexi said. Lexi has bone conducting hearing aids implanted in her cochlear, multiple surgeries on her face, surgeries on her gastrointestinal tube so she could eat, and numerous surgeries over the course of her life that have culminated in two major surgeries that will change her life.“Because she is missing half her jaw she can't bite correctly, she can’t chew correctly, she can’t maintain her airway,” Dr. Ernesto Ruas said. Ruas, a plastic surgeon in Tampa, performed his first surgery on Lexi when she was just 5-months-old.“She is a tough little cookie. As I said, she rolls with the punches she does very well,” Ruas said. In January, Ruas rebuilt Lexi’s upper jaw using a cadaver harvested from her leg. On April 16, Ruas performed a second surgery on Lexi to rebuild the entire bottom part of her jaw. Lexi, hands trembling, talked about her dreams of having a face that looked similar to everyone else.“I want them to know I am a strong girl and I want to share people my story so they understand what I go through,” Lexi said. “I don’t have to hide away and not share my story but be out there in the world.”After more than 14 hours of surgery, Lexi was in the ICU for several days and released over the weekend. She has to walk with crutches for a month and undergo extensive physical therapy. Her surgery was one of the toughest the family has ever gone through. But, Lexi, as always made it through."She is one tough girl," Cashman said. The surgeries are taking their toll on the family emotionally and monetarily. Lexi saw her mom crying in the kitchen one morning over bills and made this GoFundMe. 4398
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 Starting today, Walmart employees across the country will receive bonuses up to ,000. A press release states that employees could get a one-time bonus of up to ,000 and a fourth-quarter bonus based on their store's sales performance. Walmart has also expanded its paid leave policy, offering full-time hourly employees 10 weeks of paid maternity leave and six weeks of paid parental leave. 417 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

The @TexasGOP is out with a statement in the wake of the Supreme Court decision, all but calling for secession:“Perhaps law-abiding states should bond together and form a Union of states that will abide by the constitution.” pic.twitter.com/4bB3gk88t4— Adam Kelsey (@adamkelsey) December 12, 2020 310
The bonus of Jeffrey Mezger, one of the most powerful people in real estate, will be slashed by 25% after he went on an anti-gay tirade against his neighbor, comedian Kathy Griffin.Mezger, the CEO of homebuilder KB Home, used multiple homophobic and sexist slurs against Griffin and her partner. The tirade was caught on a security camera and a two-minute clip was published on Tuesday by HuffPost."Let's declare war, ass---- ... Let's bring it on, you b----," Mezger said during one of the tamer parts of the security camera audio recording.The verbal outburst occurred last weekend after Griffin and her partner called the police to report a noise disturbance on Mezger's property.KB Home revealed on Thursday that its board of directors decided to cut Mezger's 2017 bonus by 25%. It warned him that a similar incident will result in his firing. 865
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