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Happy Father’s Day!On the left, The Duke of Cambridge with Prince of Wales at Sandringham in December 2019, and on the right, Michael Middleton with his daughter CatherinePhoto on the left taken by The Duchess of Cambridge pic.twitter.com/VN461CZzmi— The Duke and Duchess of Cambridge (@KensingtonRoyal) June 21, 2020 325

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

HOLLYWOOD, Calif. (KGTV) -- Monday night, fans got a peek at the last chapter of the Skywalker saga. The official trailer for “Star Wars: The Rise of Skywalker” debuted during halftime of ESPN’s Monday Night football, according to CNN. The film will star Mark Hamill as Luke Skywalker, Billy Dee Williams as Lando Calrissian and the late Carrie Fisher as General Leia Organa thanks to unreleased footage shot for an earlier film. “The Rise of Skywalker” film is the ninth and final episode of Skywalker’s story. The movie is due in theatres December 20. Watch the trailer below: Disney acquired Lucasfilm in 2012 for billion, according to CNN. 655

GOLETA, Calif. (KGTV) - A rare sea creature that’s not supposed to live in the Northern Hemisphere surprised scientists by washing ashore in Goleta last week. The Mola tecta, more commonly known as the hoodwinker sunfish, is a rare species first identified in 2017, according to experts at University of California, Santa Barbara. UCSB reported the fish at Sands Beach in the university's Coal Oil Point Natural Reserve, the Associated Press reported. An intern alerted a reserve staffer who initially thought it was a type of local sunfish. “This is certainly the most remarkable organism I have seen wash up on the beach in my four years at the reserve,” said Jessica Nielsen, a conservation specialist at Coal Oil Point on the UCSB website. “It really was exciting to collect the photos and samples knowing that it could potentially be such an extraordinary sighting.” Scientists have not yet determine how the fish died. 932

HORTONVILLE, Wis — Benshot, a northeast Wisconsin company that produces glassware embedded with bullets, gifted handguns to staff as an early Christmas present. The company staffs 16 full-time employees and gifted the handguns as an effort to promote personal safety and team building, according to the The Post Crescent.Owner Ben Wolfram told the paper that this is the first time in their three years of business that they've gifted guns to workers. He said he does not fear a possibility of workplace violence because the staff is so small and close-knit.  627