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TAMPA, Fla. — A fallen deputy in Highlands County, Florida will save at least six people by being a registered organ donor.Deputy William Gentry Jr. died at Lee Memorial Hospital on Monday afternoon. He was shot by a suspect while responding to a call in Lake Placid on Sunday. 290

Target is recalling Room Essentials 4-drawer dressers due to tip-over and entrapment hazards.According to Target, the recalled dressers are unstable if they are not anchored to the wall, posing serious tip-over and entrapment hazards that can result in death or injuries to children. Target has received 12 reports of dressers tipping or collapsing. The recalled dressers have been sold in three colors and measure 41 7/8 inches tall by 31 ? inches wide by 15 11/16 inches deep. Model number 249-05-0103 (black), 249-05-0106 (espresso), or 249-05-0109 (maple) is printed on the product’s packaging.The dressers were sold at Target stores nationwide and online at Target.com from January 2013 through April 2016 for about 8.Consumers are being asked to immediately stop using the recalled dressers and return them to any Target store for a full refund.For more information, you can call Target at 800-440-0680 or go to www.Target.com and click on “Recalls” at the bottom of the page, then “Furniture” for more information, or the “Product Recalls” tab on www.Facebook.com/Target. 1124

Tax procrastinators, your time is running out.As the coronavirus pandemic took hold this spring, the federal government postponed the traditional April 15 filing deadline until July 15.The move provided some economic and logistic relief for taxpayers dealing with the disruptions and uncertainty brought on by lockdowns, school closures and shuttered businesses. But now that new deadline is a day away.Taxpayers must file or seek an extension by the new deadline or face a penalty.The IRS is expecting about 150 million returns from individuals and as of last count, it had received almost 142 million.IRS suggests filing electronically to avoid common errorsOfficials say filing electronically and choosing direct deposit remains the fastest and safest way to file an accurate income tax return and receive a refund.Filing electronically reduces tax return errors as the tax software does the calculations, flags common errors and prompts taxpayers for missing information.An inaccurate tax return can delay a refund. In most cases, tax software helps to reduce or eliminate common errors.How to pay taxesTaxpayers can pay online, by phone or with their mobile device in the IRS2Go app. When paying federal taxes electronically taxpayers should remember:Electronic payment options are the optimal way to make a tax payment.They can pay when they file electronically using tax software online. If using a tax preparer, taxpayers should ask the preparer to make the tax payment through an electronic funds withdrawal from a bank account.IRS Direct Pay allows taxpayers to pay online directly from a checking or savings account for free.Taxpayers can choose to pay with a credit card, debit card or digital wallet option through a payment processor. The processor may charge a fee. No fees go to the IRS.The IRS2Go app provides the mobile-friendly payment options, including Direct Pay and payment processor payments on mobile devices.Taxpayers may also enroll in the Electronic Federal Tax Payment System (EFTPS) and have a choice of paying online or by phone by using the EFTPS Voice Response System.File tax return by July 15 even if you can’t pay in fullThe IRS says everyone should file their 2019 tax return by the July 15 tax filing deadline regardless of whether or not they can pay in full.Taxpayers who owe and can't pay all taxes due have options including:Online Payment Agreement — Most individual taxpayers and many business taxpayers may qualify to use Online Payment Agreement to set up a payment plan. Taxpayers can setup a plan on IRS.gov/paymentplan in a matter of minutes. Setup fees may apply for some types of plans.Delaying Collection — If the IRS determines a taxpayer is unable to pay, it may delay collection until the taxpayer's financial condition improves. In light of COVID-19, IRS postponed many compliance efforts until July 15 or later under the People First Initiative.Offer in Compromise (OIC) — Taxpayers who qualify enter into an agreement with the IRS that settles their tax liability for less than the full amount owed.Need an extension? File for one by July 15Those who need more time to prepare their 2019 federal tax return can apply for an extension of time to file. An extension of time to file does not grant an extension of time to pay taxes owed. File an extension request, estimate and pay any owed taxes by the July 15 deadline to avoid possible penalties.Individual tax filers, regardless of income, can use Free File to electronically request an automatic tax-filing extension. Filing this form gives the taxpayer until October 15 to file a return. To get the extension, the taxpayer must estimate their tax liability on this form and pay any amount dueMost refunds issued in less than 21 daysThe IRS is processing electronic and paper tax returns and issuing refunds. They’re normally issued in less than 21 days. Taxpayers who mailed a tax return will experience a longer wait time. There is no need to mail a second tax return or call the IRS.Where's My Refund? is the most convenient way to check the status of a refund. It has a tracker that displays progress through three phases: (1) Return Received; (2) Refund Approved; and (3) Refund Sent. 4207

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 TAMPA, Fla. — Seconds after 17-year-old Lexi Banks was born, she was rushed into surgery. The 4-pound newborn was turning gray, struggling to breathe with doctors pulling her out of her mother’s embrace to perform an emergency tracheotomy.“Your daughter needs this or she will die,” Lexi’s mom, Kim Cashman, remembers doctors telling her.  That would be the first of many surgeries Lexi would have to endure throughout her childhood and teenage years. The surgeries haven’t stopped. But, Lexi’s Dr. Ernesto Ruas is hopeful the recent surgeries he’s performed on Lexi will be the last.“I’m hoping in a couple of years she will be done,” Ruas said. Ruas is harvesting a bone from her fibula (calf bone) and taking her peroneal artery to make sure her new jaw has enough blood flow and circulation to survive.   “The whole procedure depends on two little vessels that measure 1.5 mm to 2 mm. If those vessels get plugged up we are in trouble. She is not in trouble. The procedure is in trouble,” Ruas said.  When Lexi was 6-years-old, Ruas tried a similar procedure. Ruas said her body rejected her bone and over time it disintegrated. Now that she is an adult, Ruas hopes this surgery will be the big break Lexi and her family have been waiting for.Lexi wasn't able to eat solid food until she was 16-years-old. She had a tube inserted in her stomach for her entire life and until recently she lived with a trach tube. In the past two years, she has come a long way. Able to eat solid food and breath without the help of a trach. Not only will the surgery give Lexi the jaw she was never born with. But, it will help her breath better on her own and be able to finally eat food like everyone else.Lexi was born with a rare condition called Goldenhar?disease. According to the U.S. Department of Health and Human Services, "it is a condition that is present at birth and mainly affects the development of the eye, ear, and spine."“Everything just stopped developing for a moment, and at that moment that’s when everything stopped, particularly on her one side", Cashman said. “So, the blood vessels just stopped for a moment, her ear stopped developing, her jaw.”Lexi was born without a right ear, and her jaw was deformed, almost detached from her face.“I want to just be happy about myself and people accept me,” Lexi said.  Scripps station WFTS in Tampa talked to her before her first surgery, her speech impaired because her mouth was partially wired shut to keep her jaw in place for the upcoming surgery.“People normally are nice but there’s always people out there mean, and people stare at me and say bad names to me,” Lexi said.  Lexi has bone conducting hearing aids implanted in her cochlear, multiple surgeries on her face, surgeries on her gastrointestinal tube so she could eat, and numerous surgeries over the course of her life that have culminated in two major surgeries that will change her life.“Because she is missing half her jaw she can't bite correctly, she can’t chew correctly, she can’t maintain her airway,” Dr. Ernesto Ruas said.  Ruas, a plastic surgeon in Tampa, performed his first surgery on Lexi when she was just 5-months-old.“She is a tough little cookie. As I said, she rolls with the punches she does very well,” Ruas said.  In January, Ruas rebuilt Lexi’s upper jaw using a cadaver harvested from her leg. On April 16, Ruas performed a second surgery on Lexi to rebuild the entire bottom part of her jaw.  Lexi, hands trembling, talked about her dreams of having a face that looked similar to everyone else.“I want them to know I am a strong girl and I want to share people my story so they understand what I go through,” Lexi said. “I don’t have to hide away and not share my story but be out there in the world.”After more than 14 hours of surgery, Lexi was in the ICU for several days and released over the weekend. She has to walk with crutches for a month and undergo extensive physical therapy.  Her surgery was one of the toughest the family has ever gone through. But, Lexi, as always made it through."She is one tough girl," Cashman said.  The surgeries are taking their toll on the family emotionally and monetarily.   Lexi saw her mom crying in the kitchen one morning over bills and made this GoFundMe.  4398 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

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