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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 TAMPA, Fla. - A "Back the Blue" mural was painted outside the Tampa Police Department headquarters over the weekend.On Saturday, about 40 people came together and painted the mural on East Madison Street in downtown Tampa. The mural was created to show support for law enforcement."When they walk into the police department or when they go to work or they're patrolling the streets, they see that mural and they know they have a community behind them," said Cassandra Kistler.Kelli Campbell and Cassandra Kistler are members of Back the Blue Florida. The ladies helped organize the project.People from Community Patriots of Tampa also helped paint the mural."We had people just walking by that were inspired to pick up a brush and a roller and start helping us," said Campbell.Some people on social media are criticizing the mural or showing their support."We've been criticized a lot like it's not the best, it's not this, it's not that. It's community and community did it and brought it together and made it happen," said Cassandra Kistler.A Change.org petition said, "This mural seems to mock the Black Lives Matter movement and is a huge slap in the face for all the protesting we have been doing all over this country.""Everybody's entitled to voice their opinions and voice what they want," said Kistler."This has nothing to do with race. This is not against anyone. It's not to counter anyone. This is 100% showing support for law enforcement, all branches and truly all first responders," said Campbell.A City of Tampa spokesperson said the mural was not approved by the city.“Any tribute to honor their service is welcome. It’s unfortunate they didn’t see the permitting process through so that our community could participate in showing their appreciation for the brave men and women that service our residents every day," said Mayor Jane Castor.Kistler claims the group got verbal approval from Mayor Castor's office.This article was written by Julie Salomone for WFTS. 1989 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

TALLAHASSEE, Fla. - The Tallahassee Police Department announced Tuesday the outcome of a "large-scale" human trafficking investigation that resulted in 178 people being arrested.The department recently concluded a two-year-long operation, called "Operation Stolen Innocence," involving human trafficking and child sex trafficking right within the Capital City community.TPD Chief Revell said that it started with an investigation after a 13-year-old child’s image was seen on a prostitution website. Investigators with TPD’s Special Victims Unit set up an operation to rescue the child to ensure her safety. Operation Stolen Innocence involved underaged people being sex trafficked right here in Tallahassee. @abc27 pic.twitter.com/mZjRn7kDD3— Jada E. Williams (@JadaEWilliams) November 17, 2020 The investigation began in November 2018. Since then, 106 people have been charged with felonies and 72 with misdemeanors. Nineteen people also face federal charges, according to Revell.Charges range from solicitation of prostitution to human trafficking of a minor. Police said all suspects are from the southeast region, spanning all the way to Mississippi and Alabama.Revell said that he's "never been a case of this magnitude" in the 30 years he's been in Tallahassee. One of the investigators who was praised for her work on the case called the initial case that leads to dozens of arrests "horrific." More than 170 people were arrested in connection to Operation Stolen Innocence. Charges range from misdemeanor to felony. @abc27 pic.twitter.com/K5cGQNcU2A— Jada E. Williams (@JadaEWilliams) November 17, 2020 "We know it's going on in our community. We need to address this and we know it takes state and federal partners," Revell said.TPD did not release any specifics on individual cases to prevent from identifying any of the victims.Now, police are asking other victims to come forward. They said some of the most common ways to recognize a potential human trafficking victim are:The person appears malnourished.They show signs of physical injuries or abuse.They avoid eye contact, social interaction, and law enforcement.They do not have official identification or personal possessions.They are never away from people.If you see something, say something and call TPD at 850-891-4200. You can also remain anonymous by calling Crime Stoppers at 850-891-TIPS.Revell, other representatives from the agency, as well as representatives from the United States Attorney’s Office Northern District of Florida, State Attorney’s Office for the Second Judicial Circuit, Homeland Security, United States Marshal Service, Florida Department of Law Enforcement, and the Leon County Sheriff’s Office, were in attendance for the announcement Tuesday morning.WTXL was at the event and streamed it live on Facebook. You can watch the full announcement below: This story was first reported by WTXL Staff in Tallahassee, Florida. 2941

TEXAS — A 78-year-old man has confessed to 90 killings, and investigators are saying he could be one of the most prolific serial killers in U.S. history.Samuel Little is currently being held in a Texas prison. Investigators have confirmed 34 cases so far, and the FBI said in a news release Tuesday that more are pending confirmation. The killings Little has claimed responsibility for include a black female in Cincinnati, Ohio in 1974 and a white female in Covington, Kentucky in 1984, according to the FBI. Little said he met that second victim in Columbus, Ohio and disposed of her body somewhere in Northern Kentucky. Neither of those confessions had been corroborated by law enforcement as of Nov. 15.The women Little confessed to killing turned up dead between 1970 and 2005 in states from coast to coast, according to the FBI.  863

TAMPA, Fla. — New court documents show a 3-year-old girl killed in a crash last month was not properly restrained.According to police, the mother, who was driving the car, pulled in front of another vehicle around 7:50 a.m. on January 16, near the intersection of North 40th Street and East Osborne Avenue.According to court documents, three children in the vehicle were in the car on booster seats, however, the booster and car seats were not secured to the vehicle. It's the law in Florida for children to be in a car seat until they turn four years old. Children must be in a booster until they are six years old. Failure to comply can result in a moving violation and about a 0 fine. If a child is injured or killed in a crash and was not properly restrained, child neglect charges can be filed.Police are still investigating the circumstances surrounding the crash on Jan. 18. No charges have been filed yet. 944

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