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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

Health care workers in remote regions can now get free pandemic response training online. It's a new program through Project HOPE. So far, more than 15,000 people in 119 countries and counting have completed the courses.“We started with a hospital ship that we’re best known for back in the 60s that was donated by then President Eisenhower to spread peace around the world by spreading health around the world,” Dr. Tom Kenyon, chief health officer for Project HOPE, said.In the late 1950s Project HOPE was started with a Navy Ship and a dream. Project HOPE has dedicated itself to global health, development and emergency response over its more than 60-year history.“Lowering maternal and newborn mortality, lowering mortality from various infections disease like HIV and TB also non communicable disease which are prevalent now,” Kenton said of the organization’s goals.In fact, in the early parts of 2020, Project HOPE was already working in Wuhan, China, training nurses when staff called saying they were running out of personal protective equipment. They stepped in and helped them access what they needed."Health workers are a big chain in the transmission from the health centers to the community,” Kenyon said. “They often bring it home, unknowingly. That’s not only true for COVID, but for other diseases as well.”As the virus started spreading, they realized they not only needed more people to be trained, but they needed to reach more people around the world.“It's amazing now how social media communications we have now, how efficient we can be in training,” Kenyon said. “We’ve discovered it a tremendous medium. It's not the same as face to face, but its close.”The trainings are found on DisasterReady.org which is available through the Cornerstone OnDemand Foundation. Tina Bolding, Director of DisasterReady.org, says they built eight courses for health care workers, leaders and volunteers accessible for anyone worldwide.“What is the background of COVID-19? How do you do infection prevention and control how do you do surveillance? How do you screen and triage patients? What happens when they become critical and you need to understand how to do resuscitation and stabilization?” Bolding said.She said they also discuss things like how to plan for an infection surge, how to communicate risk and how to manage public health messaging.“You’re talking about countries in very difficult places of the world, Somalia, Yemen, people from the Philippines, we have varied countries where people are completing it like Syria… where the internet connectivity isn't very strong,” Bolding said.“The use of online learning becomes highly critical and invaluable for a variety of reasons it doesn’t require people to gather together in one room that increases risk and it allows people to take it when and where they need it on a device that works best for them,” Bolding added.“Both in Latin America and now in southern Africa, they’ve taken the infection prevention and control module about putting on PPE and how to take it off and they’re using that as a standalone training program,” Kenyon said.The training is free and because the coronavirus has been devastating to so many, there's mental health resources as well. Kenyon said when it comes to this pandemic, the information about coronavirus is the same no matter what language you speak. 3367

From his hospital room in Florida, a student wounded in the Parkland school massacre plans to sue his school district and the Broward County Sheriff's Office, his attorney said."The failure of Broward County Public Schools, and of the Principal and School Resource Officer to adequately protect students, and in particular our client, from life-threatening harm were unreasonable, callous and negligent," attorney Alex F. Arreaza wrote in a notice of intent to file claim.The student, Anthony Borges, was shot five times when a gunman unleashed a barrage of bullets February 14 at Marjory Stoneman Douglas High School. The rampage left 17 people dead.  665

Here's what's happening in the world of politics Saturday, Aug. 11, 2018.Congressman Collins suspends reelection campaign after insider trading charges— New York Republican Rep. Chris Collins will not seek reelection following charges of insider trading earlier this week.In a statement, Rep. Collins wrote it would be in the best interests for constituents that he suspend his reelection campaign."After extensive discussions with my family and friends over the last few days, I have decided that it is in the best interests of the constituents of NY-27, the Republican Party and President Trump's agenda for me to suspend my campaign for re-election to Congress."Wednesday, federal prosecutors charged Collins, his son, and another man with 13 counts of securities fraud, wire fraud, and false statement from the insider trading scheme around Australian pharmaceutical company Innate Immunotherapeutics Limited.Read more.North Korea continues to reject US proposals on denuclearization— North Korea has turned down repeated US proposals on denuclearization, CNN reports.The US has reportedly made "specific proposals for starting and proceeding to the end point of fully verified denuclearization," including a timeline, all of which have been rejected.North Korea has reportedly considered the proposals "gangster-like."President Trump met with North Korean leader Kim Jong Un in a June summit. The summit, however, produced no timetables, milestones, or promises, and instead, vague promises.Read more.Immigration lawyer for Melania Trump's parents pushes back on President's rhetoric— The immigration lawyer for First Lady Melania Trump's parents is calling President Trump's hardline stance on "chain migration" family visas "unconscionable.""It's unconscionable to scare people into believing that," the attorney, Michael Wildes, said Friday on CNN. "Imagine this, people will work harder and love more, and do more for America knowing that their loved ones, their immediate relatives, their parents, their children ... to say you can bring one relative and not another relative ... I can understand that some of them may be in jeopardy, and you may want to retool an antiquated immigration system. It looks weird to have a lottery system. But chain migration? No. Family reunification."Melania Trump's parents, Viktor and Amalija Knavs, were granted US citizenship Thursday.Read more. 2440

Have you ever lied on a work resume? Well, 75 percent of human resources managers surveyed by Career Builder say they’ve spotted a lie on applicants’ resumes.Here were some of them: 189