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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

Gunshots rang out at a birthday party on Detroit's east side injuring multiple people.Police said at least three people were shot at during the party, and a fourth victim was hit down the street.Investigators say it happened around 11:20 p.m. Sunday at a home.Police say the victims are a 27-year-old woman shot in the face, a 32-year-old woman shot in the leg and a 40-year-old man shot also shot in the leg.  All three told police they were at a birthday party when two men started shooting.The fourth victim, a 31-year-old man down the street, says he was walking when two men walked up to him and shot him in the backside and ran away.That man says he hopped on one leg to his home where he called police.Police do not have a description of the suspects, they only know they are looking for two armed men.All of the victims are listed in temporary serious condition at Detroit Receiving Hospital.  924

FT. WORTH, Texas - A father in Texas came up with a way to cheer up his son while he's undergoing chemotherapy.Since Cook Children's Medical Center has visitor restrictions during the coronavirus pandemic, only one person is allowed into the medical center.Aiden, 14, is currently undergoing treatment for acute lymphocytic leukemia. And every Tuesday, his mom joins him, while his father Chuck goes out to the parking lot and dances to lift his son's spirits.Cook Children's recently posted a Chuck dancing video, which shows Aiden standing by a window, mirroring his dad's moves. 589

Herman Cain tweeting about how not deadly COVID is after previously dying from COVID. pic.twitter.com/uzBSMl48et— Kit.?????? (@KitMaxwell_) August 31, 2020 163

Hope Hicks, who was named interim White House communications director in August, will now hold the job on a permanent basis, a White House spokesperson told CNN Tuesday.Hicks, a longtime aide to President Donald Trump who was one of the first staffers to join Trump's 2016 campaign, became the interim communications director after Anthony Scaramucci, the colorful and controversial Trump aide, was ousted from the job in July.Bloomberg earlier reported the development. 478