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Managing Student Loan DebtCollege graduation day is supposed to be fun, but it’s hard to celebrate when there is a hefty student loan debt attached to your diplomaThat is the grim reality for 72% of the Class of 2017 graduates, who owe an average of more than $37,000 for the four years (or longer) they put in earning a degree. They have a six-month grace period before the first loan payment is due and for most of them, this is not the way they expected to start their adult life.It doesn’t seem fair, but that’s what it’s like to be a student in debt. College isn’t really over until you’ve paid off the last of your student loan. This page will offer tips and advice on how to manage student loan debt, grow your finances and maintain a healthy credit score.Student Debt at $1.4 TrillionStudent loan debt isn’t just a problem, it’s a crisis, but there’s a good side to this crisis. Economists call student loans “good debt,’’ because they provide educational opportunities that otherwise might not be affordable.Unfortunately, many graduates head out in the world with credit card debtalongside their student loan debt.Students owe an estimated $1.31-trillion for loans in 2017. Approximately $4,000 in student debt is accrued every second. The average student debt for a 2016 college graduate was $37,172 (up 6% from the previous year).Living with student loan debt is not easy. Want a diploma? It’s an expensive proposition.According to 2016 statistics from the U.S. Department of Education, more than 20.5 million students are enrolled in college and the average tuition for in-state students at four-year public schools was about $9,410. For private schools, the total was about $32,405.Add in another $11,000-$13,000 for room and board and you can figure it’s going to run you at least $20,000 a year to go to school … and that’s just for state colleges and universities. If you’re aiming for the most elite schools, the costs are approaching $60,000 per year.While much of a college student’s debt comes through loans, credit cards leave a dent in the balance sheet. According to 2016 data gathered by CreditCard.com, 76% of people who had student loans also were carrying a credit card balance. In fact, credit card debt grows faster among young adults (age 18-24) than any age group.According to the U.S. Department of Education’s National Center for Education Statistics, 41% percent of 2016 graduating seniors had credit card debt, averaging $3,000. Those with student loans, had a higher credit card balance at $3,176.It’s troubling because studies have shown that the most effective handling of finances comes for people who learned early techniques of debt management.See the problems? Now, what can be done about them?How Budgeting After College Can Help Repay Student LoansIt is virtually impossible to navigate the road to financial success without knowing how to budget and college is a great place to start tracking income and expenses.Budgeting is a two-step process that tells you volumes about your ability to manage money.The first step is to determine monthly income from all sources. In college, that could mean money from a job, your parents, and the financial aid office (loans, scholarships or grants). After college, that list usually goes down to your job and whatever help your parents might offer.Step two is to list expenses and this could take a while. There are fixed expenses like rent, utilities, phone/cable bill, food and maybe a car loan.Subtract your fixed costs from your total income and whatever is left is your disposable income to use for eating out, movies, sporting events, transportation, laundry, clothing and health care.Students who graduate with a sizable debt usually don’t know what happened to all of their disposable income and the same is true after college. If you have a budget, especially one that breaks down spending into every category possible, you’ll see that you dispose of income in places that will surprise you.Here are some idea of how to lighten the spending of disposable income:Live Like A College Kid: Some aspects of college life are worth keeping, at least in the short term. You can continue living with roommates to share in the rent and expenses. Nothing helps a budget like paying half or a third as much rent and utilities as the people who live alone.Smart Clothing: You will need dressier clothes when you enter the workforce, but there are smart ways to owning a professional wardrobe. Invest in flexible, good-quality outfits for work. Dress down in everyday life (at least for now).Learn to Cook: Eating out destroys budgets. Drinking while you’re out just compounds the problem. Learn a few easy recipes and eat in. Also, regardless of where you are eating, drink lots of water. A glass of water is free.Don’t Drive Alone: That means carpooling. Or it could mean public transportation. If you live in the right city, it might even mean walking and not even owning a car. No gas + no insurance + no repairs + no car payment = financial liberation.What about fun? Yes, you can still have fun without spending much (or any) money.Spend Time with Friends: The fine art of conversation has been all but lost thanks to the internet and social media. Why not revive it? Your grandparents called it “’’ Have some friends over, talk, have a pot-luck dinner, rent a movie, maybe play a board game. Good times. Minimal (or zero) cost.The Great Outdoors: There’s a world of fun to be had at local parks or the beach. There might be some fees, but they are minimal. Get creative and you might find plenty of new adventures at a state park — guaranteed to be more affordable than a theme park.If It’s Free, It’s for Me: Check out museums, exhibits, lectures and shows that are free, especially if you live around a college. Yes, free events actually exist. And you might learn a thing or two.How To Make A Plan To Pay Off Student LoansDebt, as you probably know, can’t just be wished away. It requires discipline. It requires sacrifice. It requires … a plan.It’s always helpful to write down goals. It makes them concrete and makes them seem more real. And it gives you incentive.Here are some steps to follow.Use The Grace Period: Lenders give you a grace period after you graduate, maybe six months to a year before you must begin repaying the loan. Why not start right away? If your payment is $300 per month after the grace period, get out in front of the loan now. And you will also create the habit of putting aside that $300 each month.Research Your Loans: Don’t just turn off your brain and mindlessly make the minimum payment. You can check the National Student Loan Data System to find all the repayment plans for federal loans. You could order a free copy of your credit report, which will name your lenders. You might utilize an income-based repayment plan based on what you’re earning. Consider loan consolidation. See if your loans qualify for a deferment, loan forgiveness or a better payment plan.Increase Your Income: You probably can’t immediately get a raise at your first job, but there might be overtime available. You could also start a side business or get a part-time job. Maybe your services or talents can command a price. All of it could produce money that’s used to pay down your debt.Deduct: You might be able to reduce your taxable income by up to $2,500 on any interest you’ve paid for that tax year on student loans. Every little bit helps.Seek Loan Forgiveness: Some employers offer student loan payments as a perk. Other jobs — any government position or job with a 501 (c)(3) nonprofit — will qualify you for loan forgiveness after making payments for 10 consecutive years. There’s even loan forgiveness offered for working in a low-income area or rural community that lacks teachers, doctors, lawyers, dentists, social workers or other in-demand professions.Sign Up For Auto-Debit: Some lenders will lower your interest rate if you enroll in an automatic payment plan. That method will also keep you away from late fees and missed payments.Avoid More Big Debts: It might seem like common sense not to go out and charge a big item on your credit card or take on another loan, but not everyone is gifted with common sense. If you have dreams of a big wedding, purchasing an elite car or buying a home, they might need to be modified in the short term.How To Avoid Defaulting On Student LoansIf you find yourself unable to make the minimum monthly payments on your student loan, be assured of one thing: they won’t just disappear.If you stop paying for 90 days, you are delinquent. If it goes 270 days (nine months) you have defaulted on the loan and the consequences can be severe.Student loans don’t have a statute of limitations. It is virtually impossible to have them wiped away during bankruptcy. They will stalk you throughout life. Don’t think you can escape.If you make a late payment on a federal student loan, there could be a late fee of 6%. Ultimately, the government can garnish up to 15% of your wages and Social Security benefits. The government can also deduct 25% of each payment for collection fees, making the loan even more expensive.Late or missed payments will show up on your credit report (for up to seven years) and harm your score.Approximately $138 billion of outstanding student loan debt is past due. Two out of five student loan borrowers are delinquent during the first five years of repayment.If you can’t make payments, ask for a deferral or forbearance. Neither method will hurt your credit score. When your account is brought up to date, it will improve your score.If there’s a short-term issue — such as a job loss or medical leave — you can temporarily suspend payments on federal student loans. The downside: Your loans will still accrue interest, making them more expensive overall.You could also choose one of several repayment plans like Income Based Repayment, Pay As You Earn, Revised Pay As You Earn and Income Contingent Plan for federal student loans that will reduce the monthly payments, but also stretch out the loan over a longer period. The plans tie your payment to your income and as long as you make payments every month, you don’t have to worry about default.It’s always a good idea to ask for a free credit report every year, making sure your payment history is being reported accurately.Whatever you do, don’t default! If you can’t afford the payment, it is better to contact your loan servicer and review your repayment option instead of simply not paying. By getting help as soon as possible, you can create a plan that works for you and your budget.Make Use Of Resources To Pay Off Student LoansIf you find yourself in a bad spot, consider contacting the U.S. Department of Education for help or to speak with a professional.Before heading to bankruptcy (which won’t dismiss a student loan, by the way), there are options of debt consolidation and debt settlement.In debt consolidation, several of your debts are rolled into one. The debt’s amount doesn’t change, but you will have just one bill per month and the monthly payment should be less than what you were paying individually. Over time, you might save significant money in interest.In debt settlement, the debt is reduced through negotiations with your lenders. A debt settlement company can negotiate directly with your creditors.TIPS: If you have bad credit and struggling to cope financially i would recommend you reach out to George Gibbs , He is a computer guru & programming expert who i have used his services and also referred a lot of family members to as well. He is effective and 100% Legit.

What does the campaign seek to accomplish?There’s been a significant policy update in regard to Black Lives Matter that merits mentioning in this question. BLM, along with a long list of other advocacy groups, has joined forces to form the United Front which is, in essence, a coalition formed for the purpose of enacting specific policies.The platform can be accessed here: The Movement for Black LivesThe new platform proposes a number of policies. All text surrounded by quotes or quote blocks should be attributed to the above source unless otherwise stated.There are six major policy categories, each with specific policy proposals:End The War on Black PeopleAn immediate end to the criminalization and dehumanization of Black youth across all areas of society including, but not limited to; our nation’s justice and education systems, social service agencies, and media and pop culture. This includes an end to zero-tolerance school policies and arrests of students, the removal of police from schools, and the reallocation of funds from police and punitive school discipline practices to restorative services.An end to capital punishment.An end to money bail, mandatory fines, fees, court surcharges and “defendant funded” court proceedings.An end to the use of past criminal history to determine eligibility for housing, education, licenses, voting, loans, employment, and other services and needs.An end to the war on Black immigrants including the repeal of the 1996 crime and immigration bills, an end to all deportations, immigrant detention, and Immigration and Custom Enforcement (ICE) raids, and mandated legal representation in immigration court.An end to the war on Black trans, queer and gender nonconforming people including their addition to anti-discrimination civil rights protections to ensure they have full access to employment, health, housing and education.An end to the mass surveillance of Black communities, and the end to the use of technologies that criminalize and target our communities (including IMSI catchers, drones, body cameras, and predictive policing software).The demilitarization of law enforcement, including law enforcement in schools and on college campuses.An immediate end to the privatization of police, prisons, jails, probation, parole, food, phone and all other criminal justice related services.Until we achieve a world where cages are no longer used against our people we demand an immediate change in conditions and an end to public jails, detention centers, youth facilities and prisons as we know them. This includes the end of solitary confinement, the end of shackling of pregnant people, access to quality healthcare, and effective measures to address the needs of our youth, queer, gender nonconforming and trans families.m police and punitive school discipline practices to restorative services.ReparationsReparations for the systemic denial of access to high quality educational opportunities in the form of full and free access for all Black people (including undocumented and currently and formerly incarcerated people) to lifetime education including: free access and open admissions to public community colleges and universities, technical education (technology, trade and agricultural), educational support programs, retroactive forgiveness of student loans, and support for lifetime learning programs.Reparations for the continued divestment from, discrimination toward and exploitation of our communities in the form of a guaranteed minimum livable income for all Black people, with clearly articulated corporate regulations.Reparations for the wealth extracted from our communities through environmental racism, slavery, food apartheid, housing discrimination and racialized capitalism in the form ofcorporate and government reparations focused on healing ongoing physical and mental trauma, and ensuring our access and control of food sources, housing and land.Reparations for the cultural and educational exploitation, erasure, and extraction of our communities in the form of mandated public school curriculums that critically examine the political, economic, and social impacts of colonialism and slavery, and funding to support, build, preserve, and restore cultural assets and sacred sites to ensure the recognition and honoring of our collective struggles and triumphs.Legislation at the federal and state level that requires the United States to acknowledge the lasting impacts of slavery, establish and execute a plan to address those impacts. This includes the immediate passage of H.R.40, the “Commission to Study Reparation Proposals for African-Americans Act” or subsequent versions which call for reparations remedies.Invest-DivestA reallocation of funds at the federal, state and local level from policing and incarceration (JAG, COPS, VOCA) to long-term safety strategies such as education, local restorative justice services, and employment programs.The retroactive decriminalization, immediate release and record expungement of all drug related offenses and prostitution, and reparations for the devastating impact of the “war on drugs” and criminalization of prostitution, including a reinvestment of the resulting savings and revenue into restorative services, mental health services, job programs and other programs supporting those impacted by the sex and drug trade.Real, meaningful, and equitable universal health care that guarantees: proximity to nearby comprehensive health centers, culturally competent services for all people, specific services for queer, gender nonconforming, and trans people, full bodily autonomy, full reproductive services, mental health services, paid parental leave, and comprehensive quality child and elder care.A constitutional right at the state and federal level to a fully-funded education which includes a clear articulation of the right to: a free education for all, special protections for queer and trans students, wrap around services, social workers, free health services (including reproductive body autonomy), a curriculum that acknowledges and addresses students’ material and cultural needs, physical activity and recreation, high quality food, free daycare, and freedom from unwarranted search, seizure or arrest.A divestment from industrial multinational use of fossil fuels and investment in community- based sustainable energy solutions.A cut in military expenditures and a reallocation of those funds to invest in domestic infrastructure and community well-being.Economic JusticeA progressive restructuring of tax codes at the local, state, and federal levels to ensure a radical and sustainable redistribution of wealth.Federal and state job programs that specifically target the most economically marginalized Black people, and compensation for those involved in the care economy. Job programs must provide a living wage and encourage support for local workers centers, unions, and Black-owned businesses which are accountable to the community.A right to restored land, clean air, clean water and housing and an end to the exploitative privatization of natural resources — including land and water. We seek democratic control over how resources are preserved, used and distributed and do so while honoring and respecting the rights of our Indigenous family.The right for workers to organize in public and private sectors especially in “On Demand Economy” jobs.Restore the Glass-Steagall Act to break up the large banks, and call for the National Credit Union Administration and the US Department of the Treasury to change policies and practices around regulation, reporting and consolidation to allow for the continuation and creation of black banks, small and community development credit unions, insurance companies and other financial institutions.An end to the Trans-Pacific Partnership and a renegotiation of all trade agreements to prioritize the interests of workers and communities.Through tax incentives, loans and other government directed resources, support the development of cooperative or social economy networks to help facilitate trade across and in Black communities globally. All aid in the form of grants, loans or contracts to help facilitate this must go to Black led or Black supported networks and organizations as defined by the communities.Financial support of Black alternative institutions including policy that subsidizes and offers low-interest, interest-free or federally guaranteed low-interest loans to promote the development of cooperatives (food, residential, etc.), land trusts and culturally responsive health infrastructures that serve the collective needs of our communities.Protections for workers in industries that are not appropriately regulated including domestic workers, farm workers, and tipped workers, and for workers — many of whom are Black women and incarcerated people— who have been exploited and remain unprotected. This includes the immediate passage at the Federal and state level of the Domestic Workers Bill of Rights and extension of worker protections to incarcerated people.Community ControlDirect democratic community control of local, state, and federal law enforcement agencies, ensuring that communities most harmed by destructive policing have the power to hire and fire officers, determine disciplinary action, control budgets and policies, and subpoena relevant agency information.An end to the privatization of education and real community control by parents, students and community members of schools including democratic school boards and community control of curriculum, hiring, firing and discipline policies.Participatory budgeting at the local, state and federal level.Political PowerAn end to the criminalization of Black political activity including the immediate release of all political prisoners and an end to the repression of political parties.Public financing of elections and the end of money controlling politics through ending super PACs and unchecked corporate donations.Election protection, electoral expansion and the right to vote for all people including: full access, guarantees, and protections of the right to vote for all people through universal voter registration, automatic voter registration, pre-registration for 16-year-olds, same day voter registration, voting day holidays, enfranchisement of formerly and presently incarcerated people, local and state resident voting for undocumented people, and a ban on any disenfranchisement laws.Full access to technology including net neutrality and universal access to the internet without discrimination and full representation for all.Protection and increased funding for Black institutions including Historically Black Colleges and Universities (HBCU’s), Black media and cultural, political and social formations.There’s often some ambiguity in regard to BLM when it comes to both criticism and praise. BLM’s website, for a long period of time, contributed to this ambiguity by declining to expand on issues that it targeted its activism at. This period of time characterized by lack of clarity has ended.

Being employed an IN poverty means you make less that the poverty level.Poverty level by number in family (2016)1 $11,7702 $15,9303 $20,0904 $24,2505 $28,4106 $32,5707 $36,7308 $40,890So, by making less than the poverty level… you are afforded…Numerous state and federal government organizations, charities, and other companies offer a wide variety of low income assistance programs. You can find programs that can help with paying your rent, utility bills, mortgage, or provide foreclosure assistance. Other services can help with medical bills or related expenses, and much more. In addition, there are charity organizations that provide assistance to low income families.So when you INCREASE your income above the level of ‘poverty’ you lose these benefits described. That leaves a wide gap between government assistance and the means to take care of yourself and family. You can literally make more money and be worse off than you did before you got a job.Here is what you would lose, or gain, depending on your income level…State low income assistance programsAll state governments offer assistance in some form or fashion to residents that may be struggling. State governments offer such low income programs as LIHEAP energy bill assistance, many states will provide help with paying rent and security deposits, they may offer free health care, and more. Find a list of states and the low income assistance programs they offer.Community Action Agency:There are over 1,100 community action agencies located across the country that provide low and moderate income families with various services. The programs and resources that are administered can provide people with short term assistance with paying their bills. These agencies will also be able to coordinate long term support so people can get back on their feet. Find a listing of community action agencies.Federal government low income programsLow income housing assistance:The Housing and Urban Development (HUD) organization helps almost 1.5 million families annually with paying their rent and security deposits. The federal government funded organization also helps prevent evictions and provides resources to stop homelessness. They offer rental vouchers to those low income families who are struggling with their housing expenses. More.Job training:If your job was eliminated due to your position being shipped overseas or for any other reason, you can be eligible for the Trade Adjustment Assistance Program. This is a service which provides training to people that are impacted as well as additional unemployment compensation. Continue.Education assistance:There are numerous low income assistance programs to help people pay college loans and other school expenses. The goal is to ensure that everyone has the skills they need to keep up with the ever changing job market. You can defer loans, consolidate them into low interest loans, and more. Find ways to get help with student loans.Rent help for low income rural families:The US Department of Agriculture gives rent help to low income rural families. This will be a subsidy, and the assistance is available from the Rural Development program. They also provide the disabled, elderly, and others with housing assistance. Find how to get rent help from the USDA.Energy bill assistance:There are at least two federal programs that can help low income families pay their heating or cooling costs, save money on their utility bills and also conserve energy. LIHEAP and Weatherization assistance help millions of people every year with their home energy expenses. More.Low income housing assistance for military personnel and veterans:Mortgage assistance is offered to active duty military personnel, and the Veterans Affairs Supportive Housing Program provides rental vouchers to low income veterans. Find more.Free low income health care programs:The federal governments Health Resources and Services Administration provides free health care to low income people throughout all 50 states. Low income families and individuals can stop by these clinics to get their medical needs addressed. More info.Free or low cost health care from clinics:It is estimated that almost 20% of Americans lack proper health insurance, even after the Affordable Health Care Act (ACA) has gone into place. Millions of others do not have enough money to pay for their medical and hospital bills, even though they have some form of insurance. Every state has community clinics and health care centers that provide free or low cost medical care to its residents. More on free clinics.Dental care offered by government supported dental clinicsHundreds of government and private funded dental centers can offer a number of free services, including check ups, cleanings, consultations, and referrals. Patients can get their needs met, or low income families can learn about other dental programs for their needs. Both professional and volunteers dentists contribute their time to the free dental clinics.Assistance programs for tenants and homeowners:The are government supported and charity programs that focus on addressing housing needs of low income families or those in poverty. They operate in local communities and provide support to those who need it to deal with today’s challenging economy. Both renters and homeowners can apply for housing assistance.Low income legal advice:The federal government provides grants and funding to hundreds of law offices across the country. The attorneys at these locations offer low income families a variety of free legal services. Learn more.Section 8 Housing:This rent and housing assistance program was created by the U.S. Department of Housing and Urban Development (HUD) to help low income renters with housing expenses. Learn more on Section 8.Free or low cost food:The low income and other needy individuals have resources available to them that can provide them with free or low cost food as well as groceries. They include government funded food assistance programs and there are also non-profits and charities that offer people of all income levels access to low cost groceries.Child care subsidies and voucher:Grants are provided to states and local communities in an effort to provide affordable day care to qualified low income families. The parent will need to be working, going to school, or in some form of approved job training program. Government funding will only pay a portion of your overall child care costs and the family will still need to make various co-payments to the provider. Click government child care programs.Financial aid for the disabled:Households that have a member with a disability and that meet income guidelines can apply for help from several non-profits as well as government programs. Most of the assistance available is to help the family meet basic needs of housing, food, shelter, and medical care. However longer term support may be provided too, such as information on how the disabled person can rejoin the workforce. More on financial assistance for the disabled.Low income assistance from charities and private companiesCharity organizations:Charities and other nonprofit as well as financial aid organizations offer a tremendous amount of help for low income families. You can find credit counseling, information on applying to free and discounted health care, short term rent assistance, and much more. Find low income assistance programs offered by numerous charities.Clothes, household goods and basic needs:Families can turn to centers such as free clothing closets, thrift stores, churches, non-profit organizations or other charities. Thousands of sites across the nation collect gently used goods, including furniture, work uniforms, toys for children, interview and school clothes and more. They then provide the items, often for free, to those who need help. Read more.Sources of free items:Low income families that are in an emergency, or those that are facing an exceptional hardship, can be given free stuff for their household. There may be a combination of vouchers to pay bills or assistance in the form of basic needs. This form of support is often hard to get, but programs can assist. Read more free items.Help with medical expenses, debts, prescription drugs, and health care:Health care related concerns may be the most commonly requested low income assistance program. For example, you can get free prescription drugs from pharmaceutical companies, free health care from retail clinics, hospital aid, help with medical bills and debt, and a wide variety of other medical needs met. Find the top health care assistance programs for low to moderate income individuals and families.Home Repairs:Both grants and low interest loans exist for paying for home repairs and improvements. State and federal funds typically are available, but your local community action agency is usually the place to apply to for help. Or they can redirect you to other organizations for information on how to apply for a home repair program.Free debt and credit counseling:Numerous national and local non-profit credit counseling agencies exist for low income individuals. They can provide free foreclosure advice, enrollment into debt management plans, and help people file for bankruptcy. Counselors will provide free assistance to help with dealing with credit card debts and free medical debt assistance. Learn more on the credit counseling agencies.Foreclosure and housing counseling:Millions of homeowners are struggling to pay their monthly mortgage or they may be close to or facing a foreclosure. Hundreds of non-profit organizations across the country are certified by the federal government Housing and Urban Development agency (HUD) to provide free or low cost advice to anyone that owns their home. Counselors will help people stop a foreclosure or get back on track with paying their mortgage. Many of the foreclosure prevention services are free to low income clients. More on free foreclosure help.Food pantries provide reduced priced or free food:Get information on places to turn to for food, groceries, perishable items, holiday meals, and other forms of hunger prevention programs. Every state and county is served by one or more food banks. Click here.Financial assistance for heating, cooling, and energy bills:Most utility companies, which are privately owned, run numerous assistance programs for qualified customers that are living in poverty or have a low income. Some services and resources they provide themselves, and others are administered in partnership with local non-profit and charity organizations. Read more on energy bill grants and other forms of financial assistance programs.Internet:Households with children that meet low income guidelines can receive low cost access to the Internet for school or work usage. Programs are offered by both phone and cable companies. They will provide set up of the system, training on how to use it, and some companies will even offer a new computer to qualified low income families. More information.Programs for low income single mothers:For households that live on one income and have children, there are charities as well as government agencies that can be turned to for financial help. They may offer the parent food or applications to emergency financial assistance, housing, or child care. Other resources may also be provided, and find help for single moms.Rent assistance and housing:Thousands of non-profits, government housing agencies, churches, and charities across the nation will often have funds to contribute towards paying someone’s rent or housing expenses. Most of the assistance provided is offered on a limited basis, is provided for a very short period of time, and the money is intended to stop an eviction. Many of the programs also have waiting lists in place, and with the high demand for rental help, funds are limited. Find locations that offer emergency rent help.Rental deposits:While not as common and widely available as rent help, several churches, agencies, and non-profits do focus on providing financial help and grants for paying security deposits. Some resources focus on the homeless, and others may help people pay a deposit provided they are moving into a more affordable apartment or housing unit.Not a very good incentive to graduate high school or get a job… and we wonder why there are ghettos….. and people climbing fences to get in here (but we are broke and in debt 20 TRILLION $$$) so the party won’t last too much longer…