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The approval of the first COVID-19 vaccines comes amid a critical point in the pandemic.The U.S. has recorded two straight weeks of record high hospitalizations. On Thursday, the country surpassed 17 million total cases of COVID-19 and December is now the deadliest month since the start of the pandemic.Infectious disease expert Dr. Michael Lewis, a retired U.S. Army colonel, worries that Americans may become desensitized to the staggering death totals."It's the 'boy who cried wolf' kind of thing," Lewis said.Lewis recognizes the severity of the virus but is worried about the broader implications of the pandemic.He's worried about the future of children who are attending school virtually and haven't seen their friends for months, the damage to small businesses and their employees who have been affected by stay-at-home orders and the damage to people's physical health due to a drop in routine medical care.Lewis says the number of new prescriptions for conditions like heart disease and diabetes have dropped and that the country is seeing more new cases of advanced cancers."(The pandemic will) make actual death rates go up in the long term, the two- to five-year kinda kind of thing," Lewis said.Lewis is advocating for people to re-evaluate their physical and mental health as the pandemic drags on."We've got to figure out how to break that cycle of stress, and that's a very personal thing you've got to figure out how to take responsibility for yourself," he said.Lewis wants people to focus on healthy lifestyles:m Eating right, exercising and limiting a daily intake of virus-related information. He says Americans should live cautiously but not in fear and recommends not forgoing medical or psychological attention.He adds that stress can harm a person's immune system — the very thing everyone needs for protection against COVID-19 and other diseases. 1882

TAMPA, Fla. — A fallen deputy in Highlands County, Florida will save at least six people by being a registered organ donor.Deputy William Gentry Jr. died at Lee Memorial Hospital on Monday afternoon. He was shot by a suspect while responding to a call in Lake Placid on Sunday. 290

SunTrust says a former employee may have tried to print information on about 1.5 million customers and share it with a "criminal third party."Chairman and CEO William Rogers Jr. made the announcement Friday as the regional bank released its quarterly earnings.Rogers said the bank believes the information included names and account balances, but not Social Security numbers, account numbers or passwords. He also said the bank has not identified "significant fraudulent activity" on the accounts.Rogers said this was discovered "in conjunction with law enforcement." He did not identify or elaborate on the criminal third party.SunTrust is the 12th-largest US commercial bank by assets, according to the Federal Reserve. The stock was down 3% in premarket trading after the announcement.  802

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 Arab-American community is on high alert because of a hateful flier that is circulating.The flier promotes April 3 as "Punish a Muslim Day" and encourages violence against Muslims with an escalating point system the more outrageous the act.The fliers originated in London. They were left on the steps of several mosques there.The message is now being spread to the U.S. by way of social media and raising concerns.“We're encouraging the community to be vigilant and to have open lines of communication with local law enforcement. And, if you feel you’re in danger, call law enforcement immediately,” says American-Arab Anti-Discrimination Committee Legal and Policy Director Abed Ayoub. “ This is outrageous, this can not be happening in 2018. This is a clear sign of xenophobia, Islamophobia, and the unfortunate direction some individuals, not only in the UK, but in the United States are heading.”Ayoub says the American-Arab Anti-Discrimination Committee stands ready to help those in the community who may be harmed through any hateful acts. 1068 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

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