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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 Terminally ill British toddler Alfie Evans died overnight, days after life support was withdrawn, according to messages posted Saturday by his parents on Facebook."My gladiator lay down his shield and gained his wings at 02:30. absolutely heartbroken. I LOVE YOU MY GUY," his father, Thomas Evans, wrote on the "Save Alfie Evans" Facebook page."Our baby boy grew his wings tonight at 2:30 am. We are heart broken. Thankyou everyone for all your support," his mother, Kate James, posted on the "Alfies Army Official" Facebook page. 538 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

Sunscreen does a good job of protecting our skin, but it may not be so good for marine life.Research studies have found that chemicals found in some popular sunscreen products are harmful to ocean ecosystems. And now, after state lawmakers passed a bill Tuesday, Hawaii is set to become the first state in the US to ban the sale of sunscreens that contain oxybenzone and octinoxate.The chemicals that help us by filtering UV rays are causing severe damage to Hawaii's marine environment, according to a study by Haereticus Environmental Laboratory, a nonprofit scientific organization. They show up in coastal waters after beachgoers swim in the ocean and via discharges from wastewater treatment plants.The study found that the chemicals seep into young coral and contribute to coral bleaching, which occurs when an increase in sea temperatures kills the algae that grows inside coral, turning reefs white and eliminating nutrients that sustain other marine life.About 14,000 tons of sunscreen enter the world's reefs every year, according to a 2015 paper published in the journal Archives of Environmental Contamination and Toxicology.Hawaii's legislation?prohibits the sale and distribution of any sunscreen that contains the two chemicals -- oxybenzone and octinoxate -- without a prescription from a licensed physician.WATCH: Discover how scientists and government officials are trying to rescue coral reefs"Hawaii is the first state in the nation to pass a measure of this magnitude. The world was watching. We delivered. Preserve and protect our ocean environment!" said state Sen. Will Espero on Twitter after the bill passed in his chamber.The bill now goes to the office of Hawaii Governor David Ige. If he signs it, the law would go into effect January 1, 2021.In an effort to protect Hawaii's reefs, Hawaiian Airlines last month began offering passengers free samples of natural sunscreens without those ingredients.The airline is also encouraging its passengers to learn more about Hawaii by showing a 11-minute documentary on each flight about the environmental challenges affecting reefs. 2131

Surveillance footage obtained from a Las Vegas phone store shows video shows an iPhone exploding on a desk while an employee sat just a couple feet away.The employee quickly jumped up to get help as the phone burned itself out on the desk in less than 20 seconds.The phone screen was being replaced after it cracked due to heat damage as the battery expanded.The store is not being identified.Paul Tartaglio owns Gadget Repair. While it wasn't his shop, he says he has seen badly damaged batteries due to heat in the Las Vegas desert.He has seen a phone explode before but "It takes a lot for it to explode."The biggest issue he sees the temperatures rise into the triple digits in Las Vegas are the cracked screens from warped batteries. "Over time, the batteries heat up and bloat," Tartaglio said. "The problem is when it bloats up just a little bit, it can cause your screen to crack a lot easier."While he says it's extremely difficult to predict when a battery could explode, Tartaglio said the key is to keep phones out of direct sunlight during the summer.Not only can it lead to explosions in extreme cases, but it can also shorten the life of the battery —especially after the phone issues a temperature warning a few times.Smart phone users should also avoid overcharging devices, which can generate extra heat in the battery.Tartaglio also recommends people use replacement batteries directly from the phone's manufacturer, saying they are often more reliable than aftermarket batteries and typically aren't any more expensive. 1597

Sunbeam Products has issued a voluntary recall of more than 940,000 Crock-Pot multi-cookers in the United States and Canada due to a burn hazard.According to the Consumer Product Safety Commission (CPSC) recall notice, the Crock-Pot? 6-Quart Express Crock Multi-Cookers, model number SCCPPC600-V1, were sold at Walmart, Target, Amazon, and other online and nationwide retailers from July 2017 through Nov. 2020 for between to 0.According to the website, the recalled product can pressurize when the lid is not fully locked, which can "cause the lid to suddenly detach while the product is in use, posing burn risks to consumers from hot food and liquids ejected from the product."Sunbeam, which owns Crock-Pot, recalled 914,430 affected products in the U.S., along with another 28,330 cookers in Canada, after receiving "119 reports of lid detachment, resulting in 99 burn injuries ranging in severity from first-degree to third-degree burns," the CPSC stated.Sunbeam manufactured the multi-cookers between July 1, 2017, and October 1, 2018.The notice says date codes K196JN through K365JN and L001JN through L273JN are engraved on a prong of the electrical plugs and the bottom of the base.Consumers should stop using the recalled product in pressure cooker mode immediately. Still, they can continue to use it for slow cooking and sautéing and contact Crock-Pot to receive a free lid replacement."Consumers who continue using the multi-cooker in pressure cooker mode while waiting for the replacement lid should be certain the lid is securely turned to the fully locked position by aligning the arrow on the lid with the lock symbol on the base," the notice said. 1680

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