å§Ñô¶«·½Ò½Ôº¸¾¿Æ¿Ú±®ºÃ¼Û¸ñµÍ(å§Ñô¶«·½¸¾¿ÆÒ½ÔºÊշѲéѯ) (½ñÈÕ¸üÐÂÖÐ)

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 ¡ª 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 The banana phone is back.A startup that licenses the Nokia phone brand has unveiled a new version of the 8110, a curved mobile phone that was first released in 1996 and featured in "The Matrix."The phone, which is offered in banana yellow and black, will sell for €79 (). It comes loaded with a new version of the game Snake, Finnish startup HMD said in a statement."This is a return to the glory years of Nokia," said Ian Fogg, senior analyst at IHS Markit. "But it also includes all the new technology."The 8110 comes with 4G, and a handful of apps including Google Maps, Facebook and Twitter. But it doesn't have a flashy operating system and users won't be able to download other popular apps.Fogg said that basic -- or "feature" -- phones are appealing because they are reliable, and can run for a long time on a single charge. The 8110 goes 25 days in standby mode, for example.Nokia used to be the world's largest maker of mobile phones, but it struggled to adapt to the era of smartphones and compete with the likes of Apple and Samsung.Microsoft purchased the company's handset business in 2013, but later unwound the deal. Nokia now focuses on making technology for telecommunications networks.HMD, which has licensed the Nokia brand since 2016, sold over 70 million handsets in 2017, according to IHS. That puts its sales, on an annualized basis, in the same league as Sony and Lenovo."HMD's strategy clearly aims to return Nokia to be a mobile market leader, even if it's too early for HMD to realistically target displacing Samsung or Apple," Fogg said.Nokia marketed the original 8110 as "the first of its kind in terms of its ergonomics." Its battery lasted up to six days, and it was able to store 16 ring tones and up to 324 names and numbers."It feels good in the hand and fits into any pocket. The revolutionary curved design fits the natural shape of your face," the company said in a press release at the time.  1948 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 ¡ª 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

The Attorney General has accepted an invitation to appear before the House Judiciary Committee for a general oversight hearing on July 28th.¡ª Kerri Kupec DOJ (@KerriKupecDOJ) June 24, 2020 196

Texas Lt. Gov. Dan Patrick blamed Friday's massacre at a high school near Houston in part on "too many entrances and too many exits" on the campus, prompting some to mock his perspective as "door control.""From what we know, this student walked in ... with a long coat and a shotgun under his coat," said Patrick, a Republican who has an A+ rating from the National Rifle Association. "It's 90 degrees. Had there been one single entrance possibly for every student, maybe he would have been stopped." 508

STOCKTON, Calif. (KGTV) -- A school fight in Stockton came to an unexpected end after a Marine tackled a pair of students to the ground. The Marine was on campus Wednesday to help with military recruitment when he saw the students fighting and sprinted toward them. Video shows the Marine tackling the students, who were throwing punches. Some parents say the Marine used unnecessary force while others say his actions were justified. The Marine has been reassigned to office duties and will no longer be around students, the Marine Corps says. 553

<ÔÆת»¯_¾ä×Ó>

À´Ô´£º×ÊÑô±¨