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At the age of 22, Purdue University graduate Andrew Hoyler accomplished his goal of becoming a pilot. But in doing so, his debt took off. He took on 4,000 in student loan debt. “It was tough to look forward to the future, just because 4,000 clouding over your head is not something that anyone wants,” he says. As a new pilot, he brings less than ,000 a month after taxes. Yet, less than two years after he graduated, he's been able to pay off more ,000. “Looking back, it's crazy that it's already come this far and that I’ve been able to pay off this much, but it hasn't been without sacrifice,” Hoyler says. Those sacrifices include living at home with parents, skipping out on vacations with friends and using a large chunk of a ,000 signing bonus to pay down his debt.“It was a little rough putting most of that towards the student loans,” he says. “But here today, I'm happy I made that decision and didn't go out and buy a new car.” Hoyler says he also uses his tax refunds to help pay down his debt. It's something anyone who gets a refund can do, whether it's for student loans, car payments or credit cards. “For many Americans, the biggest windfall they get all year is a tax refund, so this time of year, that is a great opportunity to really take out a big chunk of your debt,” says Arielle Oshea, a personal finance expert with NerdWallet. Oshea says for Americans struggling with debt, taking small steps like cutting cable, skipping eating out or not going shopping can add up.“Small amounts seem like they're going to be a drop in the bucket compared to your debt balance in many cases. But when you add them together and you make a cut here and make a cut there, and you maybe bring in some extra income, all of that adds up and it can very quickly lead to you being able to make bigger payments on your debt every month,” Oshea says. As Hoyler proves, small sacrifices can lead to a big payoff. 1940

On Thursday, the United States Air Force Academy announced that President Trump nominated Lt. General Richard M. Clark to become the Academy's first Black superintendent. According to the U.S. Air Force Academy, if the Senate confirms Lt. Gen. Clark's nomination, he will become the second Black general to head up a service academy. He will be in charge of the Academy's undergraduate academic program, cadet military, and athletic training and character development.“I am extremely humbled and honored by the nomination to serve as the Superintendent of the Air Force Academy,” said Lt. Gen. Clark. “I’m also excited for the opportunity to build on the tremendous work of Lt. Gen. [Jay] Silveria and to give back to the institution that has given me so much. Go Falcons!”Clark has a history of leadership with the Air Force Academy, previously working as the Commandment of Cadets and at other levels of Air Force Command. He has pilot expertise as well, ranging from bomber to air-refueling. He currently leads the nuclear expertise for the Air Force at the Pentagon.“I have no doubt that Lt. Gen. Clark will be an extraordinary leader for the Academy,” Silveria said. “He has a long history with USAFA and an exceptional leadership record.”Clark will replace Silveria after 35 years of committed service to the nation and the Air Force. He has commanded the Academy for the last three years.Silvera is expected to retire later this year. This article was written by Samantha Alexander for KOAA. 1522

BALTIMORE, Md. – In the Matthew Henson community of Baltimore, Dr. Marvin “Doc” Cheatham knows the neighborhood’s numbers. “These are rowhouses. 40 or 50 of them in a block,” he said, “1,200 houses; total 363 vacant or boarded up houses. It’s awful.” His Baltimore neighborhood is no stranger to challenges. “It’s tough. Very poor. High crime. High dropout rate. Open air drug markets,” Dr. Cheatham said. McKean Park, though, may be the start of something new. The abandoned homes that once sat there are now gone – and have a new purpose. “We take it, we clean it up and we give it new life,” said Max Pollock with Brick and Board, a place where old wood finds new life. They are just one of several groups involved in the “Baltimore Wood Project.” “They came from a really, really old structure,” Pollock said, as he showed off a 200-year-old piece of lumber. The idea works like this: before an abandoned building is torn down, crews salvage all the materials they can get from it – like wood – and keep it out of landfills. At the same time, they give the people who live in those neighborhoods the job of doing that. “It gives you a new sense of your community,” said Baltimore native Kobe Bland, who works at Brick and Board. “You start to view your community a little different because you see the potential of what could be.” What started out as the “Baltimore Wood Project,” though, is now evolving into the “Urban Wood Project,” with the hope it could be replicated in other cities.” In just four years, they’ve salvaged one million square feet of wood. The USDA Forest Service is spearheading the project and the work to expand it. “This is wood for example locked up in these vacant and abandoned rowhomes that would otherwise be wasted – sent to the landfill or otherwise wasted – and we see the potential to capture and reuse that wood for a greater good,” said Sarah Hines of the USDA Forest Service, who has worked on the project in Baltimore. Back in his neighborhood, Doc Cheatham said he’s seen what kind of change it can bring. “It brings hope,” he said.It’s a hope that comes from salvaging the past, to try and build a better future. 2171

ARLINGTON, Va. – Within an hour of a food bank’s opening came a delivery organizers have been counting on: frozen chicken by the pallet. “Two weeks ago, we began preparations for the future,” said Charles Meng, director of the Arlington Food Assistance Center in Virginia. Meng remembers the last time they encountered a sudden spike in need – right after 9/11. “We saw a very significant increase at that time,” he said. “And so, this is just that on steroids.” The center typically serves about 80,000 pounds of food to 2,400 families a week. One-third of those they help are children under 18, but the numbers are starting to climb. “We expect to see is many more of those families come to us. That's really going to be the first bump up,” Meng said. Like many food banks across the country, the economic conditions brought on by the coronavirus are stretching their resources and those of families all over the country. “It will last them until we come back on Friday and I don’t have to worry about what they’re eating,” said one parent, Sarah Baldrick, who was in Ohio picking up food, during a distribution at a local school there. There is some cause for concern, though, when it comes to food bank donations. So far, the food assistance center says they are still getting help from corporations, companies and individuals. However, they are seeing trouble from some supermarkets. “That amounts, in our case, to about 40-percent of the food we distribute -- have all but dried up,” Meng said of the food bank’s supermarket donations. “So, we're going to have to significantly increase the purchasing of food for our families.” That means they now have to count on monetary donations to buy food for those in need, at a time when people’s pocketbooks are taking a hit. “I'm relying on the generosity of this community,” Meng said. “We all have a need to survive this time.” It is a time that’s now filled with uncertainty.For more information on the Arlington Food Assistance Center, 2004

LINCOLN, Neb. — A Nebraska state senator is under fire from his fellow lawmakers after referring to the American flag as a "rag" during debate. Sen. Ernie Chambers (I-Omaha) made the comments while discussing 223

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