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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

Frying is a delicious way to make a juicy turkey, but it’s also a bit more risky than the traditional roasting method.If you are looking to fry a turkey, Erie Insurance Group has the following tips:Before you start cooking:1. Buy the right size bird: A 12- to 14-pound turkey is usually the biggest bird a turkey fryer can accommodate.2. Follow the thawing process: Let your turkey thaw and dry. Excess water causes oil to bubble up, which increases the chances of a spill. The National Turkey Federation recommends thawing the turkey in the refrigerator approximately 24 hours for every four or five pounds of turkey.3. Find the right spot: Place a propane-fired outdoor fryer on a level spot far away from your house and any other structures. Indoor electric fryers are often safest on porches, patios, garages or an outdoor area within reach of an electrical outlet; otherwise, place it on a countertop that's a safe distance from any overhead cabinets.4. Do not overfill: Most fryers have a "fill line" indicating how much oil to put in the fryer. If yours doesn't, place the turkey in the fryer and fill three to five inches from the top of the fryer. Do not exceed the fill line.During cooking:5. Take it slow. Heat the oil slowly, and monitor the oil's temperature as it increases. Always check your user manual for the manufacturer's recommendation on cooking times and temperature ranges.6. Don't go anywhere: Stick around the fryer while you are cooking. Many flare-ups happen when no one's keeping an eye on things. The quicker you spot a fire, the faster you can put it out.7. Be ready (just in case): Keep an all-purpose, dry-powder fire extinguisher close by in case something goes awry. And never use water on a grease fire.The Boise Fire Department released a video showing how quickly things can go wrong when frying a turkey. 1851

HOOVER, Ala. (AP) — Police in Alabama on Saturday were searching for a gunman whom they believe was responsible for shooting two teenagers at a shopping mall on Thanksgiving night.The incident began with a fight and shooting in suburban Birmingham at the Riverchase Galleria, a mall crowded with Black Friday bargain hunters. An 18-year-old was shot twice and a 12-year-old bystander was shot in the back.An officer responding to the scene then shot and killed 21-year-old Emantic Fitzgerald Bradford, Jr. of Hueytown. Police said Bradford was fleeing the scene and was brandishing a weapon.Police initially told reporters they thought Bradford had shot the teen after a fight but retracted that statement Friday night."New evidence now suggests that while Mr. Bradford may have been involved in some aspect of the altercation, he likely did not fire the rounds that injured the 18-year-old victim," Hoover Police Captain Gregg Rector said in a statement.Police said they "regret that our initial media release was not totally accurate."Rector said investigators now believe that more than two people were involved in the initial fight ahead of the shooting, and that "at least one gunman" is still at large who could be responsible for the shooting of an 18-year-old male and 12-year-old female.Video posted on social media by shoppers showed a chaotic scene as shoppers fled the mall, which closed for the remainder of Thursday night.The Alabama Law Enforcement Agency has taken the lead role in the investigation since it is an officer-involved shooting.Hoover police asked for anyone with information, photos or video evidence of this crime scene to please contact investigators.A witness, Lexi Joiner, told Al.com she was shopping with her mother when the gunfire started. Joiner said she heard six or seven shots and was ordered, along with some other shoppers, into a supply closet for cover."It was terrifying," Joiner said.A woman who described herself as the mother of the injured 12-year-old posted on social media that the girl was on a Black Friday shopping trip with other family members when the shooting happened, and didn't immediately realize that the pain in her back was from a bullet."She was hurting a lot, but very brave and positive as always," the mother wrote after seeing the girl when she arrived at a hospital.Hoover police said Friday morning that the girl was in stable condition.The officer who shot the gunman was placed on administrative leave while the authorities investigate the shooting. The officer's name was not released. The officers were not hurt.The Riverchase Galleria mall bills itself as the largest enclosed shopping center in Alabama, with more than 150 stores. 2718

Half of the coral populations in the Great Barrier Reef off Australia’s coast have been killed off because of warming ocean waters, a new study says.Between 25-30 percent of all marine species rely on coral reefs at some point in their life cycle. The Great Barrier Reef is the world’s largest coral reef, covering nearly 133,000 square miles.It has more than 411 species of hard corals documented, as well as 1,500 species of fish and other animals.Researchers looking at coral populations over 30 years starting in 1995 found there was decline in both shallow and deeper water, and across different species. They said two in particular, branching and table-shaped corals, were especially hard hit in 2016 and 2017 because of record-breaking temperatures.The study finds climate change to be a key driver in reef disturbances that disrupt recovery.“The potential for recovery of older fecund corals is uncertain given the increasing frequency and intensity of disturbance events. The systematic decline in smaller colonies across regions, habitats and taxa, suggests that a decline in recruitment has further eroded the recovery potential and resilience of coral populations,” the researchers note.They also say the coral that spawn the larvae that makes more coral have declined dramatically over large stretches of the reef.“Corals are tremendously resilient because of their capacity to produce millions of babies but they/we desperately need a break from disturbances,” Andreas Dietzel, a professor at the ARC Center and a co-author of the paper, said in an email to the Washington Post. 1600

Harvard University has announced plans to bring back up to 40 percent of their student body back to campus this fall.They also stated all course instruction at the undergraduate and graduate level will be delivered online, whether or not students are on campus. The fall semester begins on September 2 at Harvard.Those being allowed back to campus are all first-year students and those who must be on campus to progress academically. “This will enable first-year students to benefit from a supported transition to college-level academic work and to begin to build their Harvard relationships with faculty and peers,” the statement read.Harvard said this is only for the fall semester and if current restrictions are in place next year, their priority would be to bring back graduating seniors for their last semester on campus.Those coming back to campus will be tested for COVID-19 once they arrive, and then re-tested every three days while they are on campus.“Without a vaccine or effective clinical treatments for the virus, we know that no choice that reopens the campus is without risk. That said, we have worked closely with leading epidemiologists and medical experts to define an approach that we believe will protect the health and safety of our community, while also protecting our academic enterprise and providing students with the conditions they need to be successful academically,” read an online statement from University President Larry Bacow, FAS Edgerley Family Dean Claudine Gay, and Danoff Dean of the College Rakesh Khurana.The university’s statement says tuition for this upcoming school year will remain unchanged, at ,653.First-year students have until July 24 to defer their enrollment, and Harvard is making advisers available for older students considering a leave of absence. 1816