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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 is expected to grant new authority to US troops on the Southwest border with Mexico to protect Customs and Border Protection personnel from migrants if they engage in violence, according to two defense officials and another US official directly familiar with the plans. An additional administration official tells CNN that the authority will also authorize protection of federal property.Currently troops do not have any authorities that would allow them to intervene if CBP personnel came under attack unless they need to act in their own self-defense.There are 5,800 to 5,900 troops assigned to the border mission.The move could be announced as soon as Monday evening, officials said. The mission will be characterized solely as "protection of CBP" personnel, according to the administration official.This comes as Department of Homeland Security officials said Monday that they had started to get information from "multiple sources including individuals in the Mexican government" of potential waves or groups of individuals who were discussing an incursion into legal ports of entry in California by attempting to pass through vehicle lanes.Any potential use of force by US troops to protect CBP personnel must be "proportional," the official said.It is expected the Pentagon and US Northern Command will amend the current document detailing the rules governing the "use of force" on the border mission.All three officials are adamant that the change is not abfut troops firing weapons at migrants crossing the border. Instead the new rules will be aimed at providing the basic authorities to allow for protective measures. Previously troops did not have any authorities that would allow them to intervene if CBP personnel came attack.The Pentagon has been working for the last several days on options for how troops can protect CBP.The defense officials are also emphasizing that National Guard forces activated by governors, as well as state and local civilian law enforcement authorities in a given area, should be relied upon as much as possible.DHS spokesperson Katie Waldman told CNN, "As Secretary Nielsen has said, we will not allow our frontline personnel to be in harm's way. We will do everything we can to protect those who defend our nation's sovereignty and secure our border. We appreciate the Department of Defense stepping in to assist the Department of Homeland Security as needed."The White House did not immediately respond to CNN's request for comment.Last week while visiting troops along the Texas border, Secretary of Defense Jim Mattis said CBP is doing "all the work, but we're standing behind them as a confidence builder," referring to the request from the Department of Homeland Security to provide support.More than 2,000 Central American migrants arrived in the border city of Tijuana in recent days, and about 3,000 more migrants are estimated to be in Mexicali, Mexico, another border city about 100 miles away, a United Nations High Commissioner for Refugees spokeswoman told CNN.As CNN has previously reported, the Department of Homeland Security originally asked the Pentagon to provide protection for CBP but that request was turned down by Mattis because it was deemed by the Pentagon to be asking troops to perform law enforcement duties that needed to be directly approved by President Trump. At the time of the original request, the Defense Department said that if Homeland Security officials still wanted troops to perform a protection role, they should ask the White House to formally grant the Pentagon the authorities to perform those additional functions.At the outset the troops were assigned to provide assistance to Customs and Border Protection including engineering support with building temporary barriers, barricades and fencing, providing aviation support to move US Customs and Border Protection personnel, providing medical teams to triage, treat and prepare for commercial transport of patients and constructing temporary housing and personal protective equipment for CBP personnel.Last week CNN reported that the US troops on the Texas border with Mexico were close to finishing their assigned task of reinforcing border crossing points, largely with concertina wire. 4260

POWAY (CNS) - Authorities today identified a 69-year-old man who was gravely injured when he was struck by a car while walking in the same Poway intersection where sheriff's deputies were investigating a collision in which his wife struck and injured a pedestrian about 30 minutes earlier.Robert Tockstein of Ramona was struck shortly after 8:35 p.m. Tuesday at the intersection of Twin Peaks Road and Midland Road, and he died at an Escondido hospital early Wednesday morning, according to sheriff's Lt. Dustin Lopez and the San Diego County Medical Examiner's Office.In the first crash, which happened around 8:05 p.m. Tuesday, Tockstein's wife struck a man who was walking in a crosswalk at the intersection, Lopez said. The victim was transported to Palomar Medical Center in Escondido where he was treated for minor injuries.While deputies investigated the first crash, Tockstein arrived at the scene, Lopez said.Tockstein moved his wife's vehicle and as he was walking back to the scene of the crash he was struck in the east crosswalk of Twin Peaks Road, the Medical Examiner's Office said in a statement.The driver of the Toyota Prius that struck Tockstein remained at the scene and cooperated with deputies, Lopez said.Tockstein was transported to Palomar Medical Center in Escondido, where he was pronounced dead at 1:58 a.m. Wednesday, the Medical Examiner's Office said. 1390

Preflight COVID-19 testing is starting to become an option to avoid doing a 14-day quarantine when you get to your final destination.Starting November 1, you'll be allowed to travel to Costa Rica from the United States if you get a negative PCR test taken within 72 hours of leaving the U.S.The Bahamas is taking it a step further. Starting November 1, you can travel there if you get a negative PCR test 7 days before your trip. Then, you'll have to get a rapid antigen test when you get there and four-days later.Hawaii lifted its 14-day quarantine last week for people who have a negative PCR test within 72 hours of the flight.“Having these alternatives to quarantine related to travel creates some confusion about what a test really means in the context of quarantine, so I worry a little bit that we're losing that message that a test is only just a moment in time,” said Dr. Shira Doron, an infectious disease physician at Tufts Medical Center.Doron says because of the incubation period for COVID-19, you can have it any time between 2 and 14 days after you're exposed. A negative result is only at the time you took the test.Recent studies have shown your risk of contracting the coronavirus on your flight is very low if strict mask wearing is followed.“I think, you know, the bigger issue is an influx of people incubating COVID-19 into an island that may have done a really good job controlling the pandemic and on the flip side really needs that tourist revenue,” said Doron.She says places like the Bahamas that require multiple tests is more effective.It could be a challenge to get that test before you leave. Doron says many hospitals stopped doing pre-and-post travel testing because of a lack of supplies.The turnaround time on getting the test is also an issue. The companies doing mail-in tests are getting results back faster, but it's going to cost you a lot of money. 1899

President Donald Trump said on Tuesday he has directed his attorney general to propose changes that would ban so-called bump stocks, which make it easier to fire rounds more quickly."Just a few moments ago I signed a memo directing the attorney general to propose regulations that ban all devices that turn legal weapons into machine guns," Trump said at a Medal of Valor event at the White House, addressing Attorney General Jeff Sessions."I expect these regulations to be finalized, Jeff, very soon," Trump said.Moments earlier, White House press secretary Sarah Sanders said Trump ordered the Justice Department and the Bureau of Alcohol, Tobacco, Firearms and Explosives to review bump fire stocks, which she said had been completed. She said movement on that front would take place shortly."The President, when it comes to that, is committed to ensuring that those devices are -- again I'm not going to get ahead of the announcement, but I can tell you that the President doesn't support use of those accessories," Sanders said.Asked on Tuesday whether the President would support steps that would raise the federal age limit for military-style weapons, such as the AR-15, Sanders did not rule it out."I think that's certainly something that's on the table for us to discuss and that we expect to come up over the next couple of weeks," Sanders said.In most states, the age limit for purchasing the AR-15 is 18, while the limit for handguns is 21.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1556