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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

Grammy-winning artist Adele is once again saying, "Hello," and this time its as host of "Saturday Night Live."Adele announced the news on her Instagram page, saying that her hosting gig will happen almost 12 years to the day she first appeared on the sketch comedy show.The songstress added that she is excited and "absolutely terrified" to host for the first time.H.E.R. will perform as the musical guest.According to US Magazine, this will mark her first appearance in three years. 491

GREENWOOD, Ind. — An Indiana family is asking for help to identify a driver who was caught on camera plowing through their yard to destroy their Christmas decorations. The video starts with a man getting out of his black SUV and then walking up to take a closer look at the front yard where Casie Arnold says her family had a giant inflatable Christmas decoration. The man then gets back into his vehicle, backs up and plows straight through the family's yard and over the top of that 12-foot inflatable decoration. Neighbor cameras caught the whole thing on surveillance video, which you can see below.  642

Halloween in Salem, Massachusetts, will look a lot different this year due to the coronavirus pandemic.City officials announced last week that stricter guidelines were going in place to prevent large gatherings in the "Witch City."According to CBS Boston, businesses will shut down early, the city will triple fines over Halloween weekend, and streets will be closed.The city canceled Halloween festivities back in early October due to health and safety concerns, city officials said. 492

HARPERS FERRY, W.V. – For more than 2,000 miles, the Appalachian Trail winds its way through more than a dozen states.It’s so-called “psychological midpoint” is the town of Harpers Ferry, West Virginia.“This community represents all the communities up and down the trail,” said Sandy Marra, who heads up the Appalachian Trail Conservancy.Ever since the pandemic began, she said there’s been a noticeable increase in people hiking the trail.“On any given weekday, even in the dead of summer, typically you wouldn't see anyone out on our trails,” Marra said. “And during the week now, you could see dozens and dozens of people just hiking.”That’s something other public lands across the country are seeing, too, in the time of COVID-19 and social distancing.Deborah Williams is with the Outdoor Industry Association, based in Colorado.“We did see a trend of more people exploring the outdoors in March and April and then that really did continue into May and June,” Williams said. “And what we initially saw is a little bit of escapism, in the first few weeks, actually continued.”That outdoor recreation can have a big impact on the economy.In West Virginia, for example, the outdoor industry is responsible for more than 91,000 direct jobs, 0 million in local and state tax revenue and billion in consumer spending.Across the country, it all adds up to 7 billion in consumer spending, supporting 7.6 million jobs.Williams said there’s the potential for that to grow even more in every state across America, in part, because of federal funding from the new “Great American Outdoors Act,” which was just passed by Congress and signed into law by the president.“It will fully fund the land and water conservation fund to the tune of 0 million,” Williams said. “So, this is our country's really flagship mechanism for funding conservation and maintenance of our public lands and waters.”Back at the Appalachian Trail, Sandy Marra hopes people now rediscovering the outdoors take care to protect it, as well.“Because of the pandemic and so many people wanting to get outside, the resource was being overwhelmed,” she said. “This is a great chance for us to reach a whole new audience of people. This is their park, right? So, they get to use it and enjoy it, but they also have a responsibility too.”It's a responsibility that can help future generations experience what’s great about the great outdoors. 2419