濮阳东方男科医院割包皮评价比较好濮阳东方医院男科治阳痿价格正规,濮阳东方妇科医院非常可靠,濮阳东方医院治早泄评价很高,濮阳市东方医院网络咨询,濮阳市东方医院医生电话,濮阳东方妇科看病好不好,濮阳东方医院妇科口碑放心很好

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

GENEVA (AP) — The European Union’s Earth observation program says the ozone hole over Antarctica has swelled to its largest size and deepest level in years.Experts at the Copernicus Atmospheric Monitoring Service say a strong, stable and cold polar vortex has driven the expansion, and have called for greater international efforts to ensure countries abide by an international accord to phase out use of ozone-depleting chemicals.Vincent-Henri Peuch, who heads the service, said in a statement that the ozone hole was “definitely” among the largest in the last 15 years.“With the sunlight returning to the South Pole in the last weeks, we saw continued ozone depletion over the area,” Peuch said. “After the unusually small and short-lived ozone hole in 2019, which was driven by special meteorological conditions, we are registering a rather large one again this year, which confirms that we need to continue enforcing the Montreal Protocol banning emissions of ozone depleting chemicals.”Since the ban on halocarbons, officials say the ozone layer has slowly been recovering and data shows a trend in decreasing area of the ozone hole.Ozone depletion over the Antarctic continent was first noticed in 1985. 1217

From pond to pin! Rahm skips to a hole-in-one on No. 16 at #themasters pic.twitter.com/JNNPWgW9OP— The Masters (@TheMasters) November 10, 2020 150

From disproportionately ticketing students of color to mishandling special needs children, some school districts say School Resource Officers, more commonly called SROs, should no longer be in the halls.For Heidi Laursen and her son, Jack, who live in Colorado, the presence of officers in the young boy’s elementary school created a traumatic environment.“I wish they would’ve recognized that he was having trouble,” said Laursen, the mother of the special needs student.Laursen never imagined her son would have such big problems with the police in school.“When they couldn’t handle him or didn’t know what to do with him, they sent him to the security officer,” said Laursen.Laursen said her son was in kindergarten when he began coming home from school unhappy.“He would say, ‘I’m a bad kid, I’m a bad kid, you should get rid of me,'” she said. “And he was 5,” said Heidi.In the process of waiting to get Jack assessed for a special needs class, Laursen got called to the school to pick her son up.“I walked in and he was across the classroom from me by the windows being held by two officers by his feet and his hands, and he was writhing in the air between them,” she said.It’s a sight she said can’t erase from her mind. “I can talk about it now without crying, but I couldn’t for a long time,” said Laursen.Laursen and many other parents and students who have had similar experiences say something needs to change with how schools police students.After much public discussion, Denver Public Schools voted to remove police officers from schools.“While we leaned on the SROs for the ideals of safety, our students were getting ticketed at very high rates, particularly students of color, and another group of students who are handcuffed a lot are special needs students,” said the school board’s vice president, Jennifer Bacon.Bacon said the district is forming a task force to change that reality. “That looks like, mental health support in buildings, social workers in buildings, counselors and academic support,” said Bacon. The task force will spend the next year and a half forming solutions.Currently, there are 18 Denver Police officers working as SROs in Denver Public Schools. The board voted to take that number down by 25 percent by the end of this calendar year, and by the end of next school year, there will no longer be a permanent police presence in Denver Schools.“It’s not lost on us the work we have to do around safety, but safety is also culture, and this is the time we need to talk to children about their feelings,” said Bacon. “We’ll also talk to our staff about preventative measures for students who have ideations of suicide or community harm.”“I think there’s a positive way to support kids that doesn’t have to be with the threat of law,” said Laursen.Bacon said her own experience with law enforcement in school shaped her vision for the future.“When people heard what school I went to, they had an assumption about me,” said Bacon. “That I couldn’t be an honors student, that they had to clutch their purses…and part of that was reinforced by having police officers in my schools and not having officers in schools that were predominantly white."That emotional impact is something Bacon hopes will be erased for students like Jack.“To the extent that little schools can do something to tell them that their lives matter, that if they’re in crisis, if they’re hungry, doesn’t mean they’ll be met with handcuffs, is incredibly powerful. And we will take every opportunity to reset young people’s expectations on how they’ll be treated,” said Bacon.Laursen agrees. Changing our society starts with reshaping the way our young people grow up. “It does take time to find the right solution, but it’s possible,” she said. 3761

Google said Monday it is shutting down the long ailing social network Google+ for consumer use amid new scrutiny of the company for reportedly failing to publicly disclose a security bug affecting users of the service.In a blog post, the company admitted Google+ had failed to achieve "broad consumer or developer adoption" since it launched as a would-be Facebook rival in 2011. However, the announcement came moments after The Wall Street Journal reported Google had opted not to disclose a bug affecting hundreds of thousands of Google+ users at least in part to avoid additional regulatory scrutiny.Google said in the blog post that it "discovered and immediately patched" a bug in March 2018. It said the bug could have affected up to 500,000 Google+ accounts, but the company found "no evidence" that any data was actually misused."Every year, we send millions of notifications to users about privacy and security bugs and issues," a spokesperson for Google said in a statement provided to CNN Business. "Whenever user data may have been affected, we go beyond our legal requirements and apply several criteria focused on our users in determining whether to provide notice.This is a developing story. More to come ... 1231