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GNC, the retail chain that specializes in vitamin and dietary supplements, has filed for bankruptcy and says it will close up to 1,200 stores.The 85-year-old company is more than billion in debt and was already facing declining sales at brick-and-mortar locations prior to the pandemic. GNC said re-financing plans were in the works earlier this year, but COVID-19 prevented the company from carrying them out.The company says it expects to emerge from bankruptcy in the fall."The Chapter 11 process will allow us to accelerate these strategies and invest in the appropriate areas to evolve in the future, while improving our capital structure and balance sheet," GNC said in a letter to shoppers.According to CNN, GNC reported losses of 0 million in the first quarter after 30 percent of its stores in the U.S. and Canada were forced to close. The company lost million in that same time span in 2019. 919

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

Health officials say the U.S. faces an uphill battle in convincing some Americans to take a potential COVID-19 vaccine. While polling shows Americans have been more open to a vaccine in recent months, there is still skepticism in vaccines among non-whites across the country.Experts say that Black people, in particular, remain skeptical of vaccines due to past failings of the U.S. healthcare system, in particular, the Tuskegee syphilis study. But the National Medical Association — a nonprofit representing the interests of Black doctors across the country — is trying to fight that skepticism ahead of the potential authorization of a COVID-19 vaccine."We're already suffering more than other community, and we would hate to see that suffering gap widen because members of our community did not affect to receive a vaccine that could have prevented kidney disease, prevented lung damage from COVID-19," Dr. Leon McDougle, the president of the National Medical Association said.The National Medical Association's task force has been doing its own independent vetting of potential COVID-19 vaccines, and McDougle added they are doing so to ensure that politicians are not influencing the Food and Drug Administration (FDA)."We are trusted messengers for health in the Black community," McDougle said. "That's where we live. That's where we work, and we already have those established relationships."The group has already had two meetings with Pfizer — the company, who on Wednesday, said it is days away from filing for Emergency Use Authorization for its vaccine candidate — and has a third meeting planned.The Association has also met with Moderna and AstraZeneca about their vaccine trials.McDougle added that since the group has been having meetings with vaccine makers for a while, he's hopeful the Association will agree with the FDA's decisions.McDougle says the National Medical Association has already been collaborating with clergy and other professional organizations that are looking to them for a direction on the vaccine. 2045

Here's a map of the amount of time spent in the 5-day NHC forecast cones so far in 2020.Louisiana has had a cumulative of THREE WEEKS in the cone this year!And now we have TD 28 tracking toward the same area. pic.twitter.com/dX4J9w6n2z— Sam Lillo (@splillo) October 25, 2020 282

Here comes the bride, right down the dollar aisle. A Miami couple took their passion for Target to a new level by taking their engagement photos at the store. 166