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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

Hoover police can't seem to get their story straight on why an officer killed a man at an Alabama mall.First, they said a 21-year-old suspect shot and wounded two other people. Then they said?Emantic Bradford didn't pull the trigger, but brandished a gun. Now we've learned Bradford didn't necessarily do that, either.All the while, the real assailant who opened fire at the mall is still on the loose.Here's a quick breakdown of shifting police narrative: 469

Hillary Clinton is starting a podcast, it will launch Tuesday, September 29.“You and Me Both with Hillary Clinton” is being marketed as “candid, in-depth, and sometimes hilarious conversations with people she finds fascinating.”Clinton is a former First Lady, former Senator from New York, former Secretary of State and the first woman to win a major party’s nomination for president in 2016.According to information from podcast host iHeartMedia, guests will include “Sarah Cooper, Gloria Steinem, Stacey Abrams, Aminatou Sow and Ann Friedman, Samin Nosrat, Patton Oswald, Tan France, and more.” 604

From old work uniforms to NBA jerseys to leather seats on an airplane, old material is being made into new products, and you can purchase them!Looptworks, located in Portland, Oregon, is one of the biggest upcycling manufacturers in the country."We hope to have nothing that ends up in the garbage can or in a landfill," says Looptworks designer Nanette Berg.The startup gives life to old Delta Airlines flight attendant clothes to NBA jerseys that sport a former player’s name.“Here I have one of the Delta vests, and I also have already deconstructed one of their red jackets,” says Berg. “So, what I’m gonna do is cut certain pieces from certain materials and put them together and make another product.”Jason Van Horn, marketing director of Looptworks, says the company’s tag line is, excess made useful.” 817

Here's what's happening in the political world Saturday, April 28, 2018.Trump blasts Tester over Jackson opposition-- President Trump called on Montana Democratic Sen. Jon Tester to resign over his opposition to White House physician Ronny Jackson's nomination for secretary of veterans affairs.The president blasted Tester on Twitter, saying the senator's allegations were not fair and "proving false."Allegations made by Senator Jon Tester against Admiral/Doctor Ron Jackson are proving false. The Secret Service is unable to confirm (in fact they deny) any of the phony Democrat charges which have absolutely devastated the wonderful Jackson family. Tester should resign. The.....— Donald J. Trump (@realDonaldTrump) April 28, 2018 747

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