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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

Holidays will look different this year for many Americans, with dinners outside, social distancing, or passing on family gatherings altogether. But several companies developing rapid at-home COVID-19 tests are hopeful that won't be the case next year. The goal is to make inexpensive, easy-to-use COVID tests that can deliver results in minutes, just like a pregnancy test. "For people to feel comfortable to associate with friends or family, there needs to be a testing methodology ideally that can be performed at home," said Tony Lemmo, CEO of the manufacturing company BioDot.The company's technology is being used by over 70 manufacturers worldwide making COVID-19 antigen, antibody, and PCR tests. Their automated platforms dispense nanoliter/picoliter amounts of reagent onto the tests accurately and fast.Lemmo says just one of their systems can support the production of roughly 100 million COVID-19 tests per year, helping to make high-volume production possible.“We knew we were going to be called on by customers to manufacture more equipment to provide them the ability to manufacture more tests," said Lemmo. To meet customer demand, BioDot increased staffing and built a new facility, compressing production time from months to weeks. The FDA recently authorized the first rapid at-home test that can deliver results in 30 minutes, eliminating the need for a lab to test the sample. But the molecular single-use test will only be available to patients with a doctor's prescription who are suspected of being infected with COVID-19.Companies developing tests hope the FDA will soon authorize another at-home testing tool: the rapid antigen test.These inexpensive tests provide results within minutes, and companies developing them say millions could be sold without a doctor's referral.“From what we’re hearing, it’s really just a matter of possibly months before there’s at least sufficient data to be able to support an at-home use of a test like an antigen test," said Lemmo.Lemmo says if authorized by the FDA, manufacturers could make millions of these tests in a matter of months. But antigen tests are less accurate, and the FDA wants to ensure they'll be simple enough for people to use at home. There are also concerns over how the data will be reported to health authorities. “I think any at-home testing or massive rollout of a test into the communities needs to be done very carefully and with a lot of education around it," said Clinical Lab Director Melissa Miller. Dr. Miller is a professor of pathology and laboratory medicine at the University of North Carolina Chapel Hill and Medical Director for the Clinical Microbiology Lab for the Medical Center.She worries the inaccuracies of these tests could eventually lead the public to lose trust in all testing. “Even at 98 percent specificity, which is very, very high. That means you’re going to have a false positive two out of every 100. If you started testing a hundred million people, this is millions of people who have a false-positive test," said Dr. Miller. She says this could lead to healthy people isolating and missing work or school unnecessarily, and false-negative results could give people a false sense of security. “These rapid antigen tests were pushed out to skilled nursing facilities; this is a very high-risk patient population. This is actually where you want a very accurate test," said Dr. Miller. She says it’s unclear how well antigen tests detect the virus in asymptomatic patients but agrees more data is needed to figure that out.“It might make more sense for K-12 schools, or even college settings, where there’s less risk for a poor outcome if you have a false positive or a false negative," said Dr. Miller. But with a growing demand for convenient at-home testing, manufacturers are hopeful that in the months ahead, the FDA will soon open the door to new solutions. 3889

Health officials say the U.S. faces an uphill battle in convincing some Americans to take a potential COVID-19 vaccine. While polling shows Americans have been more open to a vaccine in recent months, there is still skepticism in vaccines among non-whites across the country.Experts say that Black people, in particular, remain skeptical of vaccines due to past failings of the U.S. healthcare system, in particular, the Tuskegee syphilis study. But the National Medical Association — a nonprofit representing the interests of Black doctors across the country — is trying to fight that skepticism ahead of the potential authorization of a COVID-19 vaccine."We're already suffering more than other community, and we would hate to see that suffering gap widen because members of our community did not affect to receive a vaccine that could have prevented kidney disease, prevented lung damage from COVID-19," Dr. Leon McDougle, the president of the National Medical Association said.The National Medical Association's task force has been doing its own independent vetting of potential COVID-19 vaccines, and McDougle added they are doing so to ensure that politicians are not influencing the Food and Drug Administration (FDA)."We are trusted messengers for health in the Black community," McDougle said. "That's where we live. That's where we work, and we already have those established relationships."The group has already had two meetings with Pfizer — the company, who on Wednesday, said it is days away from filing for Emergency Use Authorization for its vaccine candidate — and has a third meeting planned.The Association has also met with Moderna and AstraZeneca about their vaccine trials.McDougle added that since the group has been having meetings with vaccine makers for a while, he's hopeful the Association will agree with the FDA's decisions.McDougle says the National Medical Association has already been collaborating with clergy and other professional organizations that are looking to them for a direction on the vaccine. 2045

Hackers who infiltrated the Twitter accounts of several high-profile politicians and industry titans over the summer posed as members of the Twitter IT department in order to steal the credentials of employees with high-security clearance, New York's Department of Financial Services says.On July 15, dozens of high-profile Twitter accounts — including those belonging to Joe Biden, Barack Obama and Jeff Bezos — were hacked and posted messages directing followers to give away bitcoin in a targeted scam. According to the DFS, hackers made off with about 8,000 in bitcoin.In the days following the hacking, Twitter said it believed that the scam was engineered by a "coordinated social engineering attack by people who successfully targeted some of our employees with access to internal systems and tools." In its report, published Thursday, DFS confirmed that was the case.According to DFS, the scheme began on July 14, when at least one of the hackers called Twitter employees posing as members of Twitter's IT desk. Twitter employees have been working from home amid the COVID-19 pandemic, and the company has often experienced issues with its Virtual Private Network. Seizing on that vulnerability, the hackers told the employees they needed to check on the VPN and directed employees to a phishing website that looked "identical" to Twitter's IT page.When the employees with advanced access entered their username and password, that information was immediately sent to the hackers.The next day, the hackers carried out their high-profile bitcoin scheme, which alerted Twitter to the hack and caused disruptions on the site for several hours. However, before carrying out the bitcoin scheme, the hackers also took control of so-called "OG" Twitter accounts — valuable account names designated by a single word, letter or number. If login credentials of those accounts are stolen, such they can be sold for thousands of dollars.In all, DFS says 130 Twitter accounts were hacked, and the suspects sent tweets from 45 of those accounts.The DFS said the hacking represented severe flaws in Twitter's security systems, which could have dire consequences."In the hands of a dangerous adversary, the same access obtained by the Hackers–the ability to take control of any Twitter users’ account–could cause even greater harm," the agency said. 2351

Harvey Weinstein is facing new allegations of sex trafficking and rape.A German actress, using the pseudonym Emma Loman, filed a federal lawsuit in Los Angeles on Monday, alleging that Weinstein raped her during the Cannes Film Festival in 2006. She is suing Weinstein for violation of human trafficking laws, assault, battery and false imprisonment, according to court documents obtained by CNN."Our client brings her claims in an effort to achieve justice for herself, and she hopes that by doing so she can help open the door to justice for the women in her industry who have undergone similar experiences," John G. Balestriere, the attorney handling Loman's claim, said in a statement to CNN. "Mr. Weinstein must answer these allegations and be held accountable for any damage he has caused our client."Phyllis Kupferstein, an attorney representing Weinstein, told CNN in a statement, "This lawsuit is an attempt to continue the legal barrage and public attention on Mr. Weinstein. The allegations are untrue and the claims are barred by the statute of limitations. We intend to immediately move to dismiss the complaint."According to the suit, Loman said she met with Weinstein at his hotel suite in Cannes, France to discuss starring in an upcoming film project he was producing, but he soon started making sexual advances towards her."Upon arriving at Weinstein's suite, however, Weinstein quickly dropped his professional demeanor," the suit states. "He instead overpowered Loman and raped her. Shocked and betrayed, Loman did not know what to do. Furthering Loman's disorientation, Weinstein proceeded to treat the rape like a standard component of their business, as if the professional discussion he offered Loman had actually taken place."Related: Harvey Weinstein seeks dismissal of indictment due to emails between him and accuserLoman also claims that Weinstein threatened her not to speak of the assault.This is the second sex trafficking case filed against Weinstein.Last week, a federal judge in New York ruled that British actress Kadian Noble can move forward with her sex trafficking lawsuit against the disgraced media mogul.Noble accuses Weinstein of sexually assaulting her in a hotel bathroom in Cannes, France in 2014 after luring her with talk of a potential movie role.Noble filed suit in November against Harvey Weinstein and his brother and then-business partner Bob Weinstein.US District Court Judge Robert W. Sweet granted Bob Weinstein's motion for dismissal but denied one from Harvey Weinstein.The judge wrote it would be the first instance in which a plaintiff asked for the Trafficking Victims Protections Act to be applied to conduct like that alleged in the lawsuit.Weinstein's lawyer said the act should not be applied."A typical sex trafficking case is someone who lures underage girls on the promise of a green card and locking them up in a basement and forcing them to have sex for money," Kupferstein said in a statement at the time.Weinstein, who also is facing criminal charges in New York, has denied all allegations of "non-consensual sexual activity."Weinstein has pleaded not guilty to six felony sex crimes -- two counts of predatory sexual assault, two counts of rape, one first-degree criminal sex act charge and one criminal sex act.Related: Sex trafficking lawsuit against Harvey Weinstein can proceed, judge rulesThe charges stem from allegations from three women, according to court documents. Weinstein remains free after posting million cash bail.The charges against Weinstein came nine months after The New Yorker and The New York Times published accounts from several women accusing him of various forms of sexual misconduct.In a recent interview with CNN, Ben Brafman, Weinstein's New York criminal attorney, said it would be "difficult but not impossible" to seat an impartial jury should Weinstein's case move forward to trial."I hope to find 12 people in Manhattan who may have heard a lot of the allegations against Mr. Weinstein but will give the court their sworn assurances that they will decide this case based on the evidence that comes into the courtroom and not on what they made have read, or what they may have heard," Brafman said. "I think part of what we're trying to suggest in these motions to dismiss is that contrary to what people may have read and may have heard, there is another side here."CNN's Cheri Mossburg and Judy Oehling contribute to this report.The-CNN-Wire 4463

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