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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 The American Red Cross is now checking all blood donations for coronavirus antibodies, instead of just searching for recovered patients. The organization is calling it a “game changer.”“We can then not only inform that donor of the testing results that we've identified COVID-19 antibodies in their blood, but also use that product as convalescent plasma to help patients who are ill with COVID-19 in the hospital,” said Dr. Pampee Young, Chief Medical Officer at the American Red Cross.Early results from the National Institutes for Health show the plasma can make a big difference for severely sick COVID-19 patients. And data from these new tests will help those researchers working to better understand the virus.The Red Cross says the need for whole blood donors is constant, but plasma is more unpredictable.Over the summer, plasma supplies ran low after unprecedented infections and demand in some states.Now, they're asking more donors to step up to restock for another potential surge in the fall and winter.“Because we can’t predict the demand, we want to ensure that we have enough inventory, because what really saves lives are the units that are on the shelf, not something that we need to collect once we realize there’s a need,” said Young.The Red Cross has taken additional safety steps during the pandemic. That includes making an appointment.You can sign up online at RedCrossBlood.org or by using the blood donor app. 1444 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

Ten people have died after a Florida nursing home failed to evacuate its residents, who suffered for days in oppressive heat with no air conditioning after Hurricane Irma, according to the Hollywood Police Department.A 93-year-old man died on Tuesday, and a 94-year-old woman died on Wednesday -- adding to eight who were found dead last week at the Rehabilitation Center at Hollywood Hills, or who died after being evacuated to a hospital.The exact causes of death have not been reported, but a number of the 141 residents who were evacuated were treated for heat-related issues. An ongoing criminal investigation is underway.Nursing home residents sweltered in hazardous conditions after Hurricane Irma, which felled a tree that knocked out the transformer powering the air conditioning system. Many were moved into the hallways, next to fans and spot coolers. One video obtained by CNN shows a naked woman sitting in the hallway on what appears to be a hospital bed.Despite multiple calls between the nursing home and state authorities, at no time did the nursing home report that their patients were in danger or that they needed to be evacuated, according to a report on Tuesday by Florida Governor Rick Scott's office. The state advised managers "multiple times" to call 911 if such a situation arose."Something they failed to do," the 159-page report said."This facility is failing to take responsibility for the fact that they delayed calling 911 and made the decision not to evacuate their patients to one of the largest hospitals in Florida, which is directly across the street," Scott said in a statement.Last week, the nursing home expressed its sympathy for the families of the deceased and said it is "fully cooperating with all authorities and regulators to assess what went wrong." A moratorium was imposed on the facility that prevents it from admitting any patients."This healthcare facility failed to do their basic duty to protect life," Scott said. "The more we learn about this, the more concerning the tragedy is."The-CNN-Wire 2057

TAMPA, Fla. – A Tampa boy received a big surprise from his hero for his third birthday.City of Tampa worker Leroy Lentz says each morning he goes out to collect waste, Marlon waits for him to greet him with excitement.The two have become good friends and for Leroy, their chats and waves never fail to brighten his day.To show appreciation for Marlon, Leroy and Tampa’s Management Department teamed up to bring a socially-distant party over to the little boy’s neighborhood. On Tuesday, the community held a birthday parade to celebrate Marlon, and Leroy was able to surprise the little boy with cake and a toy garbage truck.“The Department really appreciates those customers who take time to say hello and thank you. Recognizing the impact these essential workers have in our community is so appreciated,” Mayor Jane Castor’s office said in a statement. “We are thrilled to give Marlon a birthday to remember.”Below is the video of the festivities: This story originally reported by KJ Hiramoto on abcactionnews.com. 1029

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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