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Texas GOP Lt. Gov. Dan Patrick said after the nation's latest school shooting in Santa Fe, Texas, that teachers need guns, parents should secure firearms safely at home, and schools should eliminate some of their entrances."We need our teachers to be armed," Patrick said Sunday on CNN's "State of the Union."Patrick also called for "gun control at home," with firearms out of childrens' reach, but declined to say whether he would support requiring that by law, saying Texas holds gun owners "very responsible.""Be sure that your kids and grandkids or anyone who might have access to your home cannot get your guns," Patrick said. 639

Statement from Secretary of State Brad Raffensperger pic.twitter.com/Sf1JIWH5qg— GA Secretary of State Brad Raffensperger (@GaSecofState) November 9, 2020 162

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 Stitch by stitch, Juanita Martinez is creating a better future for her family and her community.“As a woman and a Hispanic, I think that I’m really proud of what we’ve done,” she said.Martinez is a co-owner of Three Amigos Graphics, a mother daughter-run business in Houston, Texas, with the third amigo being their neighborhood.“They love us,” Martinez said of her community. “I don’t know how else to put it. They take care of us and they make sure that we’re okay and that’s part of the community that we’re in.”Martinez runs one of more than 600,000 thousand Hispanic-owned businesses in the United States. According to the Houston Hispanic Chamber of Commerce, those businesses account for almost trillion in annual economic spending in areas ranging from, what experts describe as, the barrio to the boardroom.“That community has continued to mature in terms of their education and their buying power, so the number trillion doesn’t surprise me,” said Randy Velarde, president of The Plaza Group, an international petrochemical marketing group.While Hispanics continue to add and impact the nation’s economy, Velarde is promoting quality over quantity.“I’m hopeful and encouraged by our ability to be more influential in other parts of society,” he said.In 2019, the number of Hispanics reached 60.6 million, making up 18% of the U.S. population, according to the Houston Hispanic Chamber of Commerce.“As go Hispanics goes Houston and in this case as go Hispanics so goes the United States,” said Dr. Laura Murillo, president the Houston Hispanic Chamber of Commerce. She says Hispanics account for roughly a quarter of the U.S. gross domestic product and she hopes corporate America starts taking better notice.“Latinos have made many strides,” Murillo said. “We should continue to aspire to be in high places but never forget that many of us came from Navigation.”Back on Navigation Blvd., Three Amigos Graphics continues working to better their local economy and their community.“It’s nice to have money but we’re not in it to be rich,” Martinez said. “We want to make sure when I do good my neighborhood is doing well.” 2140 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

The ashes of world famous physicist Steven Hawking will be interred in London's Westminster Abbey near the graves of ground-breaking scientists Sir Isaac Newton and Charles Darwin.In a statement released by the Abbey on Tuesday, the Very Reverend Dr John Hall, Dean of Westminster, said it was a "fitting" tribute to the British scientist who passed away last week at the age of 76."We believe it to be vital that science and religion work together to seek to answer the great questions of the mystery of life and of the universe," Hall said in the statement. 567

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