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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

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

HOBE SOUND, Florida — For Rony Bottex, 65, fracturing his leg and using crutches is nothing compared to what could have happened on I-95 in Hobe Sound, Florida on Monday morning. "If he wasn't there, if the officer wasn't there, I'd be dead," said Bottex. Rony was involved in an accident on I-95. Florida Highway Patrol Trooper Mithil Patel, 31, was the first to respond and while he's talking to Rony?outside of the car, a van slammed into a car, sending it spinning in their direction.?"He saw the car come right to me and pushed me to the side and thank God I fall, but he's the one who got hurt for me," said Bottex. "He take the hit and pushed me out of the way." Trooper Patel was taken to St. Mary's Medical Center where he is now in good condition. Rony says he has not stopped praying for the brave trooper who he says nearly gave his own life to save Rony. "They do the jobs for you, not for them, and he was going to take the hit for me, he did," he said. Rony says thanks to Trooper Patel, he's still alive for his wife and six children. He now wants this stranger who saved him to be a part of his family too. "What I want to tell his family, I want to be with him as a family because people like this you never forget them," added Bottex. The trooper's father said the family has been overwhelmed with calls and support. Rony says he hopes he can get in touch with the trooper and his family. 1490

Hillary Clinton tweeted her support on Wednesday of 11-year-old Mariana Taylor, who was reprimanded by her teacher in a Maryland school for kneeling during the Pledge of Allegiance. The former secretary of state and 2016 Democratic Party nominee for president said on Wednesday, "It takes courage to exercise your right to protest injustice, especially when you’re 11! Keep up the good work Mariana."Mariana's parents have joined with the ACLU after her teacher allegedly reprimanded the Catonsville, Md. sixth grader. Mariana, a student in the Baltimore County School District, has a rule that stipulates that students and staff must "stand and face the flag and while standing give an approved salute and recite in unison the Pledge of Allegiance."The next line of the rule does stipulate, however, "Any student or staff member who wishes to be excused from the flag salute shall be excused."Jay Jimenez of the Maryland ACLU spoke on the policy at a recent district board meeting, urging the board to clarify the district's policy.  "I decided to kneel because there is a lot of things I really don't agree with in the country happening - racism, sexism and the person in the White House, particularly the wall - it's not ok," Mariana said in May. "I feel like it's important to stand up for what I believe in and I want to inspire other people to do it too."According to the ACLU, Mariana was in tears after leaving the classroom as her teacher pushed to have her make a presentation explaining her actions to the class. After Mariana's parents were called by a school guidance counselor, her parents claimed there was confusion on whether students were allowed to forego the Pledge of Allegiance. "The Supreme Court has been very clear that students do not lose their First Amendment rights when they enter the schoolhouse door," Jimenez said. "The ACLU urges Baltimore County and all Maryland schools to review and update their policies to honor respectful student activism in the future, like silently ‘taking a knee' during the Pledge of Allegiance."The school's principal told the Washington Post that he agreed that the district's policy needed to be clarified.  2219

GENEVA (AP) — Russia has been banned from using its name, flag and anthem at the next two Olympics or at any world championships for the next two years. The Court of Arbitration for Sport’s ruling also blocks Russia from bidding to host major sporting events for two years. Russian athletes and teams will still be allowed to compete at next year’s Tokyo Olympics and the 2022 Winter Games in Beijing if they are not implicated in doping or covering up positive tests. The punishments are less than the four-year ban the World Anti-Doping Agency had proposed.One small win for Russia is the proposed team name at major events. The name “Russia” can be retained on uniforms if the words “Neutral Athlete” or “Neutral Team” have equal prominence, the court said.Still, the court’s three judges imposed the most severe penalties on Russia since allegations of state-backed doping and cover-ups emerged after the 2014 Sochi Olympics.The case centered on accusations that Russian state authorities tampered with a database from the Moscow testing laboratory before handing it over to WADA investigators last year. It contained likely evidence to prosecute long-standing doping violations. 1191

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