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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 Thanks for coming out this weekend y’all! Yesterday we added 1,372 ?@MillerLites? to my tab, bringing our grand total to 4,838. Shout out to all the bars, their staff, and those cheers-ing from afar! Whether this is goodbye or see you next year, I love you Chicago! #JonsTab pic.twitter.com/OTEIO2gOjc— Jon Lester (@JLester34) November 2, 2020 351 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

Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567

The Arab-American community is on high alert because of a hateful flier that is circulating.The flier promotes April 3 as "Punish a Muslim Day" and encourages violence against Muslims with an escalating point system the more outrageous the act.The fliers originated in London. They were left on the steps of several mosques there.The message is now being spread to the U.S. by way of social media and raising concerns.“We're encouraging the community to be vigilant and to have open lines of communication with local law enforcement. And, if you feel you’re in danger, call law enforcement immediately,” says American-Arab Anti-Discrimination Committee Legal and Policy Director Abed Ayoub. “ This is outrageous, this can not be happening in 2018. This is a clear sign of xenophobia, Islamophobia, and the unfortunate direction some individuals, not only in the UK, but in the United States are heading.”Ayoub says the American-Arab Anti-Discrimination Committee stands ready to help those in the community who may be harmed through any hateful acts. 1068

Taco Bell said on Thursday that it is eliminating one of its most iconic and long-time menu items from its list of options.The Mexican Pizza will be removed from the Taco Bell menu starting November 5. Other items leaving the menu are the pico de gallo and shredded chicken. The shredded chicken is used in a number of items, including quesadillas, tacos and burritos.Taco Bell is adding a chicken chipotle melt, which is grilled chicken, creamy chipotle sauce and cheddar cheese; and the Dragonfruit Freeze, which is a tropical frozen beverage. The chicken chipotle melt joins the menu Nov. 5, while the Dragonfruit Freeze arrives on September 24.In July, Taco Bell announced several other menu items were leaving the menu, including the Nachos Supreme, Beefy Fritos Burrito, Grilled Steak Soft Taco, 7-Layer Burrito, Spicy Tostada, Triple Layer Nachos, Spicy Potato Soft Taco, Cheesy Fiesta Potatoes and Loaded Grillers.Taco Bell said the changes to the menu is helping it in “creating a faster and more seamless restaurant experience.”“We’re constantly evaluating ways to provide a more efficient restaurant experience, and have already begun to see progress from streamlining our menu,” said Mike Grams, Taco Bell President, Global COO. “While we know fans may be understandably sad to see some of their favorites go, this evolution of our menu truly paves the way for fresh new ideas. The creativity and innovation in our kitchen hasn’t slowed down at all, and we look forward to rolling out new fan favorites.” 1524

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