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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 Academy of Pediatrics is clarifying their stance on reopening schools this fall, pushing for science-based decisions and calling on Congress to provide necessary federal funding for campuses to reopen safely.The AAP, joining together with the American Federation of Teachers (AFT), National Education Association (NEA) and AASA, The School Superintendents Association, said they share the desire to welcome children back to schools this fall, however safety concerns must be considered.“Returning to school is important for the healthy development and well-being of children, but we must pursue re-opening in a way that is safe for all students, teachers and staff. Science should drive decision-making on safely reopening schools. Public health agencies must make recommendations based on evidence, not politics,” the statement reads.They go on to say a one-size-fits-all approach is not appropriate, given the nature of the pandemic across the country. 975 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

TAMPA, Fla. – Two different paths led Ernest Johnson and Ronnie Reddish down the same road. Just a few weeks from Election Day, the two men met at a park in Tampa, Florida, to talk life, liberty and voting rights as a former felon.“How much time did you do?” Reddish asked Johnson.Johnson replied, “I did 28 years in prison, and I ain't got no shame in that ‘cause prison made me a man.”Now, it was Reddish’s turn to get personal.“My first time, I was 24,” he said of his first experience behind bars.Reddish spent more than 15 years of his life in prison.“They were all just for thefts and drugs,” said Reddish. “It was about making money illegally.”He’s been paying for those mistakes every day since he came home.“I really, really regret a lot of things that I did,” said Reddish. “I’m remorseful. I mean, I sit back, and now 60 years old—I think about it. Why? Why was I so dumb to do something like that?”In losing more than a decade of his freedom, Reddish lost something much more precious in the process: his right to vote.Reddish came to meet Johnson, a voting rights advocate, thinking he couldn’t vote. Reddish finished paying all his court fines earlier this year after serving his time, but he was still unsure if his rights were restored.“The language the legislation uses is confusing sometimes,” said Reddish.Reddish is talking about the language of Amendment 4, a law passed in 2018 by 65% of Florida voters.The amendment gives all former felons the right to vote, except those charged with murder or sexual crimes. However, before someone can vote, all court costs, fines and fees must be paid separately to each county the felon has a case in—an amount usually around ,500 to ,500 per person.Once all fees are paid, a person’s voting rights are automatically restored, but for many, the old systems that were in place are still top of mind.“I was under the impression that you had to go to the clemency board, which could take years,” said Reddish of how he thought he had to get his voting rights restored.That’s no longer the case, and it’s a common misconception. Amendment 4 abolished the clemency board, which automatically gave voting rights back to some, but officials say having to pay all the fines before voting is disenfranchising so many more than this law could be helping.Florida State Attorneys estimate the pay-to-vote system, as it’s often called, could keep more than 1 million former felons from voting in this upcoming election.“The constitution does not say we have to pay a tax to vote,” said Johnson.Even if a person has the money to pay, finding out how much one owes is no easy task, especially if someone owes fines multiple counties.“None of them have a uniform system to pay off fines and fees,” said Johnson. “It’s not that simple.”Johnson works with the nonprofit Florida Rights Restoration Coalition. The group is streamlining the process for as many former felons as they can. Every day, Johnson and many others go door to door, offering information, registration documents and helping pay off as many fines as they can.The group has paid off more than million in fines for former felons.This effort is supported by multiple Florida state attorneys who are fighting against the disenfranchisement they say is caused by Amendment 4.“It's creating two classes of voters: people who can afford the right to vote and people who can't,” said state attorney Andrew Warren, who represents one of the largest districts in Florida. “That's not democratic. It's not American. And in Florida, it should not be acceptable.”Warren said there is no uniform implementation of Amendment 4 across the state, and that is keeping people from voting—people like Reddish.“The confusion we've had is actually chilling people's willingness and ability to go in and register to vote and that's a bad thing for our democracy,” said Warren.To help, Warren is encouraging people to try and find out what they owe, but if they can’t figure it out by Election Day, he wants people to know: his office likely won’t take legal action against them for voting.“The standards for prosecuting someone for voter fraud is extremely high,” said Warren. “We expect that the majority of cases here are going to be people who are simply confused, and they don't know whether they're eligible to vote or not. And, doing so is not a crime in those situations because it's not on the voter to figure out. We're supposed to be making it clear to people what the law is, and what they need to do to be eligible to vote.”For Reddish, he didn’t get the answers he needed from the state. He got the truth from Johnson.He is eligible to vote. No clemency needed. Johnson was able to register him on the spot. A moment is giving Reddish his first chance to vote.“I’ve never voted in my life, and one thing about it is: my voice will count,” said Reddish with a sigh of relief and joy. “For so many years, my voice never counted. My voice will count now.”For so many who haven’t finished paying their fines, their voices may be silenced for the 2020 election, but Warren said he will not stop fighting the state to get the fines and fees requirement removed from Amendment 4.Until that happens, it will take more afternoon meetings at the park and more door knocking to give a voice to those picking up the pieces from a broken past.“Just because you’re a convicted felon doesn’t mean you’re locked out of life,” said Reddish. “We’re not third or fourth-class citizens, we’re American citizens.”Making sure every citizen has the rights they’ve earned is something Johnson, and now Reddish, are ready to fight for.“I want to join the organization,” said Reddish.They’re hoping they can bring light to as many as they can in a state where just a few new voters could swing the outcome of the 2020 election.“Voting is freedom, is democracy, is liberty,” said Johnson.“Voting gives you power,” said Reddish.If you’d like more information on Amendment 4, click HERE. For help from the Florida Rights Restoration Coalition, click HERE. 6043

The baby of a Michigan mother who sacrificed her own life in order to give birth to her sixth child passed away on Wednesday.Carrie DeKlyen decided to forego clinical trials and chemotherapy to treat her brain cancer since it would have meant ending her pregnancy. Doctors removed Carrie's feeding and breathing tubes one day after her daughter, Life Lynn, was born.Born prematurely, Life Lynn weighed one pound and four ounces, and was in neonatal intensive care.Life Lynn's death was announced on the Cure 4 Carrie Facebook page, which was created to share updates about the family. "I have no explanation of why this happened, but I do know Jesus loves us and someday we will know why," the Facebook post said. 736

Tennis superstar Serena Williams says she found out her sister's killer had been released from prison minutes before her loss to Johanna Konta last month.The 6-1 6-0 defeat to Konta in the opening round of the Silicon Valley Classic was the worst of Williams' 23-year career.In an interview with Time Magazine, the 23-time grand slam champion said she was scrolling through Instagram 10 minutes before her match and learned the killer had been released on parole."I couldn't shake it out of my mind," the 36 year-old said.Robert Maxfield was jailed for 15 years in April 2006 for the shooting of Yetunde Price -- Williams' older half-sister -- in 2003 in Compton, Los Angeles.Price was 31 at the time of her death and had three children aged 11, 9 and 5. 762

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