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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 SYMMES TOWNSHIP, Ohio -- An Ohio man on Thursday kidnapped an 84-year-old woman at knifepoint, stole money from her and forced her to chauffeur him to a drug deal, according to a news release from the Hamilton County Sheriff's Office.Hamilton County Sheriff Jim Neil said authorities believe Brent Engel, 31, cornered and threatened the victim when she returned to her car after shopping at a CVS in Loveland, Ohio. Engel then forced the woman to drive to an ATM, withdraw money and drive him to purchase drugs, which he then used in the car.After five hours of ordering the victim to drive him around Hamilton County, Engel exited the vehicle and escaped, Neil said.The woman was not hurt in the incident. Engel, whose records include prior convictions for burglary, theft and drug use as well as an affiliation with a gang, now faces charges of aggravated robbery and abduction. He had not been arrested by Friday night.Neil said civilians with information about Engel's whereabouts should alert authorities immediately. Because of his gang affiliation, he “should be considered dangerous," and members of the public should not approach him. 1176 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

Thanksgiving may not have all the fixings this year. Most Americans are planning a scaled back event.But 75% of people told Butterball they plan to have a turkey the same size this year, as last year.“If you're looking for a smaller turkey, I would recommend shopping early to get what you want,” said Andrea Balitewicz, Butterball Turkey Talk-Line Supervisor.While many people are looking for some normalcy this Thanksgiving, 30% are hosting immediate family only.Butterball says there will also be more first-time hosts.“But there's also other products available like our turkey breast roasts, which are perfect for just a couple of people, or you can find the bone in turkey breast and that's a really great product too, and it's some for about six to seven people. So, it's a great product for smaller celebrations.”Butterball is planning the same offerings as usual. About half its turkeys will be in the 10-16 pound range. The other half in the 16-24 pound range.Walmart says it will have 30% more turkey breasts for those that don't want to cook a whole bird, even though they will have plenty of those.Kroger bought more turkeys than usual. It's predicting an increase in demand for alternatives.Turkey sales have been falling in general, according to Nielsen data. Last November they were down 3.5% from the year before. Sales for beef and plant-based meat were up. 1382

The addition of a "notorious" galactic cantina will bring not only smugglers and bounty hunters to Disneyland in 2019, but also alcohol sales for the first time.Disneyland's "Star Wars: Galaxy's Edge" will be home to Oga's Cantina, an "otherworldy" stop for music and exotic concoctions, park officials announced Thursday.Among the cantina's limited menu options will be wine, beer, and both non-alcoholic and alcoholic cocktails, according to Disney officials. Officials added that those drinks will need to consumed inside the cantina — so no running around at light speed with a drink.Menu options for kids and those under 21 will also be available, officials promised.The "Star Wars" inspired cocktails mark the first time alcohol will be publicly sold at the park since it opened in 1955.Alcohol sales are already allowed at Disneyland's California Adventure Park and Downtown Disney. The only other area inside Disneyland where alcohol is served is inside the park’s secretive private Club 33.Oga's Cantina sits in what Disney officials are calling the Black Spire Outpost on planet Batuu. Guests will experience a classic "Star Wars" atmosphere, with music provided by a droid from the park's former Star Tours attraction, an array of characters, and more."With a history of being a smugglers’ safe haven and a popular stopping point for those seeking to avoid the authorities, you can bet that the cantina has a story or two to tell," park officials wrote.Disneyland is moving the new Star Wars land into a portion of the park's "Frontierland." The area will also include new attractions in a completely themed experience."Star Wars: Galaxy's Edge" is set to open at Disneyland Resort in summer 2019 and at Disney World in late fall 2019. 1829

The Boston Athletic Association announced Wednesday that next year's Boston Marathon would be postponed "until at least the fall of 2021.”The race, which typically occurs on the third Monday in April, won’t happen because of the coronavirus pandemic.“With fewer than six months until Patriots’ Day and with road races prohibited until Phase 4 of the Massachusetts reopening plan, we are unable to host the Boston Marathon this coming April,” said Tom Grilk, C.E.O. of the B.A.A said in a press release. “By shifting our focus to a fall date, we can continue to work with stakeholders to adjust the in-person experience for runners and supporters alike. Prioritizing the safety of participants, volunteers, spectators, and community members, we continue to assess all elements of the race, including a potential reduced field size or a weekend date.”Organizers said they are working with government officials and COVID-19 Medical & Event Operations Advisory Group members to see when the 125th Boston Marathon can happen.The B.A.A. said they would announce a new date by the end of the year.This year’s marathon was held virtually back in September. 1160

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