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PRAIRIE VILLAGE, Kan. — A Kansas City area family is celebrating a big win. They paid off more than 0,000 in student loan debt in a little over six years.Ashlyn Yarnell accumulated the debt in the process of becoming a family law attorney."That was my calling. That's what I knew I wanted to do, and that was the path to get there," Yarnell said.Because she attended college and law school on the heels of the recession, a lot of scholarship money dried up, leaving student loans as the only option."I did everything I could think of. I worked jobs, I lived with friends, lived with family when I could," she said.By the time Yarnell graduated, her debt total came to 0,500.Paying it all off seemed daunting at the time, but Yarnell and her husband, Drew, immediately got to work. They shared advice for others starting their debt journeys.Study your debt"It's like tackling an opponent. You've got to study that, you've got to learn about all the options you have to get rid of it," Ashlyn Yarnell said.She created a spreadsheet to track the balances of her loans and the total paid each month."We had a plan right out of school, how many years it was going to take, how we were going to handle this," Drew Yarnell added.Flexibility with that plan is important, as Drew said it took them slightly longer than they anticipated to pay off the debt.Consider refinancingWhen Ashlyn began paying off her loans, the interest rates were all over the map."Some were a low 2 percent interest rate," she said. "Some were as high as 10 percent."By refinancing, she was able to get the average rate down from 6.8 percent to 4 percent.Those considering refinancing student loans now should keep in mind payments on federal loans have been suspended interest-free through the end of the year."You really need to think twice about refinancing a federal student loan because you lose those benefits," said Brian Walsh, manager of financial planning for SoFi, the personal finance company Ashlyn used for refinancing.The Yarnells also refinanced their home in the spring to help with final loan payments.According to Walsh, there are some important factors to consider before taking that step. Look at the closing costs first."How many months is it going to take me to recoup those costs, and am I going to live in this house long enough? Otherwise refinancing your home might not be a good idea even if it is a lower interest rate right off the bat," he said.Celebrate small milestonesAt the start of the couple's repayment journey, the daily interest rate was ."Every day I imagined handing my lender a bill in addition to everything I already owed, and that was unacceptable to me," Ashlyn said.She and Drew celebrated as they were able to knock down that daily interest rate, eventually reducing it to just ."You don't have to wait until the very end to enjoy knocking off a certain number," Drew Yarnell said, "If you get to a milestone, I think it's important to celebrate it on the way."Be sure to set small goals within the long-term plan."You break it up into microgoals, and it helps you stick to it and kind of hit the reset button once you hit that goal a couple months down the road," Walsh said.The Yarnells reached their finish line in May, when Ashlyn submitted her last student loan payment."I was screenshotting everything. My husband was taking pictures," she said, "And there were not even tears, it was sobs of relief."With interest factored in, the total came to nearly 4,000.The couple wanted to take a trip to celebrate, but COVID-19 interrupted those plans. Instead, Ashlyn wants Drew to pick out something for himself since he came along on the debt repayment journey with no complaints."He is a total team player," she said.The Yarnells also started education funds for their two sons, Charlie and Jack.Here are some other tips from SoFi for paying down debt:Figure out your monthly spendingUse a budgeting app to stay on trackConsult an expert if developing a plan on your own is too difficultDon't be afraid to talk about your debtThis story originally reported by Cat Reid on kshb.com. 4126

President Donald Trump dismissed on Wednesday the newly-released composite sketch of a man who adult film star Stormy Daniels says threatened her over her alleged affair with Trump more than a decade ago."A sketch years later about a nonexistent man," he tweeted. "A total con job, playing the Fake News Media for Fools (but they know it)!" Trump's tweet quotes another Twitter user that includes a photo of a man who is purportedly Daniels' ex-partner who the user suggests resembles the figure in the sketch. 518

Popular snack cake company Little Debbie has the internet reeling with a question posed to customers on Wednesday - which one of their snacks can you live without?The snack food company posted a cryptic message on their Twitter, an image featuring four of its popular treats with the message "ONE GOTTA GO FOREVER" with the question "Which one?"It left customers wondering if the company was playing a trick or if one of their favorite treats was really on the chopping block. The four iconic Little Debbie treats currently on the chopping block: 559

President Donald Trump has defended Saudi Arabia as accusations mount over its de facto ruler's close links to the men who apparently killed a journalist in the kingdom's consulate in Istanbul.Saudi Arabia has come under intense international pressure to explain Washington Post columnist Jamal Khashoggi's disappearance after he visited the consulate on October 2 to obtain papers that would have allowed him to marry his Turkish fiancée.The disappearance of Khashoggi, an insider-turned-critic of the Saudi government, has prompted international outrage and calls for punitive action against Saudi Arabia.It has also thrown Trump's close ties with the kingdom into the spotlight as Secretary of State Mike Pompeo is engaged on a tough diplomatic mission to contain the crisis. 786

President Donald Trump on Tuesday embraced a line of defense offered by his attorney, Rudy Giuliani, that "collusion is not a crime," even though he continued to deny any alleged ties between his campaign and Moscow during the 2016 election."Collusion is not a crime, but that doesn't matter because there was No Collusion (except by Crooked Hillary and the Democrats)!" Trump tweeted.Speaking to CNN's "New Day" on Monday, Giuliani said he wasn't sure if collusion was a crime."Four months, they're not going to be colluding with Russia, which I don't even know if that's a crime, colluding about Russians," Giuliani, a former federal prosecutor, told CNN's "New Day." "You start analyzing the crime -- the hacking is the crime. ... The President didn't hack."Trump himself made a similar argument to The New York Times in December.Legal experts, however, have repeatedly said that anyone found collaborating with Russia on the 2016 election could be charged with other crimes, such as conspiracy, and special counsel Robert Mueller's investigation has not concluded.The-CNN-Wire 1088

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