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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 SYLMAR, Calif. (KGTV) - A freeway sign indicating drivers were using Interstate 5 South fell into traffic lanes Friday afternoon at the start of the holiday travel rush in Sylmar, north of Los Angeles.A driver reported to the California Highway Patrol that most of the sign fell into the middle lanes of I-5 at SR-14 at 1:15 p.m. Some parts of the sign were left dangling from the rigging.At least one driver hit some of the debris, according to the CHP’s online report. There were no reports of any injuries.Officers shut down south I-5 and diverted traffic into truck lanes, backing up the freeway into Santa Clarita.Caltrans crews removed the dangling sign and traffic on south I-5 was reopened about 3:30 p.m.The cause of the fall is under investigation. 766 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

SunTrust says a former employee may have tried to print information on about 1.5 million customers and share it with a "criminal third party."Chairman and CEO William Rogers Jr. made the announcement Friday as the regional bank released its quarterly earnings.Rogers said the bank believes the information included names and account balances, but not Social Security numbers, account numbers or passwords. He also said the bank has not identified "significant fraudulent activity" on the accounts.Rogers said this was discovered "in conjunction with law enforcement." He did not identify or elaborate on the criminal third party.SunTrust is the 12th-largest US commercial bank by assets, according to the Federal Reserve. The stock was down 3% in premarket trading after the announcement.  802

That often-blurred line between the office and home is now a little clearer for one creative teacher.Move over Chip and Joanna Gaines.With advance notice he would not be returning to the classroom because of the coronavirus, Cory Streets got to work on a special summer project.Streets just completed an amazing transformation, turning a storage shed in his backyard into a space dedicated to scholastic achievement - like something straight out of an episode of 'Fixer Upper' on HGTV, on a much smaller budget.“Got a can of mis-tinted paint and a carpet remnant. I’m hoping it’ll be a fun way to break up some of the monotony," said Streets.With a young daughter and a second child arriving in October, Streets found himself with limited spots to set up shop inside his home.“It’ll give me a place to come and work quietly," said Streets.Instead of rakes and shovels, Streets filled the shed with all the tools he needs to help his students grow despite being miles apart.“I wanted to make this a more fun and enjoyable experience for myself, but also for the students," said Streets.The consistency of connecting in this newly-created classroom, which has been dubbed the "Mr. Streets Center for Remote Sheducation," is not only expected to help Streets stay focused; he says it will also do the same for his students.“It’ll feel more comforting, it’ll feel predictable, it’ll feel like a routine," said Streets.Streets said there's a lesson his students can learn from the new workspace and that is you have to make the best of a challenging moment.“We’re gonna have a good time, we’re gonna learn some stuff. You can take a difficult situation and make it fun," said Streets.As for what happens to the transformed shed when Streets and his fellow teachers return to the school building?"I can take down some educational posters and put some Cleveland Browns and Indians things and there we go, easy man cave space," said Streets.This story was first reported by Mike Brookbank at WEWS. 2004

Taylor Swift is back in the global spotlight after the release of her highly-anticipated new album “Reputation” and has one question for her fans, “Are You Ready for It?”.Swift announced the first 27 dates of her world tour “Reputation”, named after the new album, on Monday morning. It comes on the heels of her appearance on “Saturday Night Live” this weekend where she performed two songs of her latest studio project, “...Ready for It” and a stripped-down acoustic version of “Call It Want You Want”.The stadium tour focuses on larger venues, mainly NFL stadiums, and kicks off in May.The “Look What You Made Me Do” singer is excepted to bring back her “1989 World Tour” producer Louis Messina.Messina is no stranger to finding success with stadium tours as he also works with country superstar Kenny Chesney who is making stops in 17 NFL markets for his 2018 “Trip Around The Sun” tour.Tickets for Swift’s new tour go on sale to the general public on the singer's birthday, Wednesday, December 13.Some fans will have a chance to grab tickets early through the new Ticketmaster Verified Fan program.It will be a test for the new method of buying tickets, which rewards fans for participating in artist activities like engaging with them on social media or buying merchandise.The program faced some early backlash as some fans saw it as creating an additional expense to get the same tickets. However, ticket promoters insist it is a new layer of screening to keep the tickets in the hands of actual fans and away from scalpers.More tour dates, including international stops in the United Kingdom, Ireland, Australia and New Zealand, are expected to be announced at a later time.Reputation World Tour Dates: May 8    Glendale, AZ     University of Phoenix Stadium 1809

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