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SUPERIOR, ARIZONA — The mother of two young children is facing murder charges after the kids were found dead in a vehicle Monday night.The Pinal County Sheriff's Office said detectives were called to the home near Richard Avenue and Palo Verde Drive around 11:15 p.m. after a 10-month-old and a 2-year-old were found dead in a car outside. Both children were found strapped in their car seats when officials arrived. Sheriff's spokeswoman Navideh Forghani said evidence at the scene indicated foul play.The mother of the two children, 20-year-old Brittany Velasquez, is facing two counts of murder. An autopsy is being conducted, according to Forghani. 675

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 Tad Cummins, a former teacher in Tennessee who was charged with the kidnapping of a 15-year-old girl, is expected to plea guilty in the case.Cummins' attorney filed a motion for a hearing to change Cummins' plea.He pleaded not guilty last year on charges of transporting a minor across state lines for the purpose of engaging in criminal sexual conduct and obstruction of justice.Read More: 413 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

STILLWATER, Okla. — At Oklahoma State University in Stillwater, officials on Monday confirmed 23 positive cases of COVID-19 at an off-campus sorority house.All of the students living in the house were placed in isolation and are prohibited from leaving the facility, the university said in a statement.“Due to the nature of this situation, the entire chapter house is in isolation or quarantine and will be prohibited from leaving the facility,” the university wrote. “One member of the sorority who lives elsewhere is among those who tested positive and will also remain in isolation.”All involved are being monitored by OSU and the Payne County Health Department. The school says contact tracing is also being conducted to further protect the community.The confirmed cases come after a video was widely circulated over the weekend, showing dozens of maskless students packed into a nightclub in the college town.“As a student, I’m frustrated as hell,” said Ryan Novozinsky, an OSU junior from Allentown, New Jersey, and the editor of the student newspaper. “These are people I have to interact with.OSU has a combination of in-person and online courses, and students, staff and faculty are required to wear masks indoors and outdoors where social distancing isn’t possible. 1283

STOCKHOLM — The 2020 Nobel Prize in Literature has been awarded to the American poet Louise Glück "for her unmistakable poetic voice that with austere beauty makes individual existence universal."Glück was formerly the Poet Laureate of the U.S. from 2003 to 2004. According to The New York Times, Glück is the first woman to win the award since 1996.The prize was awarded Thursday after several years of controversy and scandal for the world's pre-eminent literary accolade.In 2018, the award was postponed after sex abuse allegations rocked the Swedish Academy, the secretive body that chooses the winners.Two laureates were named last year, with the 2018 prize going to Poland's Olga Tokarczuk and the 2019 award to Austria's Peter Handke.Handke's prize caused a storm of protest because he has been called an apologist for Serbian war crimes.Other writers who were favored for the award were Kenya's Ngugi Wa Thiong' o, Canadian poet Anne Carson, Japanese novelist Haruki Murakami, Russian novelist Lyudmila Ulitskaya and Guadeloupe-born writer Maryse Conde.According to NPR, the 2020 Nobel Prize has a cash prize of about .2 million. The awards ceremony this December will be celebrated virtually because of the COVID-19 pandemic. 1244

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