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Uncle Sam needs to borrow a ton of money this week — in the middle of a fight with its biggest creditor.The United States plans to sell about 4 billion of debt, according to the Treasury Department. That's the highest for a week since the record set during the 2008 financial crisis.Federal revenue is declining because of President Trump's tax cuts, so the government needs to borrow more to make ends meet. At the same time, Washington's borrowing costs have climbed rapidly in recent months. 505

US Customs and Border Protection closed road and pedestrian bridges on Sunday at the San Ysidro port of entry, one of the largest land border crossings between San Diego and Tijuana, Mexico.Groups of Central American migrants have been converging on the Mexican border city for days in their quest to gain entry to the United States. Their presence has drawn Mexican troops, protesters and fiery rhetoric from President Donald Trump and Mexican officials.As crowds amassed at San Ysidro, around 500 migrants overwhelmed federal and local Mexican police blockades and rushed toward the border, said freelance reporter Alfredo Alvarez, who is in the crowd.PHOTOS: Migrants converge on Tijuana-San Diego borderThe crowds were made up of men, women and a lot of children, Alvarez said.With bridge and pedestrian border crossings closed in both directions, the migrants headed for the cargo area where the railroad crosses, Alvarez said.They appeared to get close to the border wall, Alvarez said. He could not see from his position if the migrants had managed to get across the actual border.More demonstrations were planned on Sunday at San Ysidro, the busiest land port of entry in the Western Hemisphere, according to the US General Services Administration.The planned demonstrations on both sides of the border prompted CBP to deploy extra personnel to the border crossing, the agency said."The additional personnel, which included CBP officers, US Border Patrol agents, and Air and Marine agents, were recently deployed to the San Diego area from various areas around the country in preparation for the potential arrival of the caravan in Tijuana."The mayor of Tijuana said on Sunday that he would not let the migrants' actions damage the city's relationship with its neighbors across the border. Many residents of Tijuana work, study and visit the United States each day, and the border closures affect them, too, Juan Manuel Gastélum said on Twitter on Sunday.The mayor has said previously that the city cannot support the migrants.  2049

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

VENICE, Fla. -- A Florida pet groomer is under investigation by the Sarasota County Sheriff's Office after a recent video of alleged animal abuse surfaced on social media.The video taken by former Happy Puppy Pet Spa employee Briana Brady, shows another employee putting both hands around a dog's neck and laying it down on the table, leaving Brady to label the action as animal abuse. Brady first witnessed the alleged abuse when another dog left the salon with a broken jaw.“The dog was picked up by the throat, choked, shaken and then his head slammed on the table,” Brady said describing the video.The viral Facebook video has over 250,000 views. Brady worked at the Spa for four weeks prior to posting the video on social media.“It was very hard for me to witness any of that happening," Brady said through tears.The woman in the video who owns the spa, Phyliis Lucca has a different perspective. She claims that her actions weren't abuse, but instead necessary steps for the dog's overall health."If you see the video, I know it looks bad, but that’s not what I’m doing," Lucca explained. “What the dog did was pass out and she faints and what I did was hold her head and shake her. That’s all.”Two weeks prior to the video going public, a puppy named Pumpkin left the spa with a broken jaw and bruises all over his stomach.Lucca claims that Brady was the one responsible."The only one that was in the room alone, with the dog, was Briana.”However, both Brady and Pumpkin's owner, says they believe Lucca was the only one who could've have harmed the dog. The Spa owner hopes to move forward and survive the blow to her business.“If I get through this, I won't have another groomer in the store because nobody can be trusted now.”Brady and Pumpkin's owner say they will be pressing charges against Lucca. 1853

US Ambassador to the United Nations Nikki Haley will leave her position at the end of 2018, President Donald Trump announced from the Oval Office today.He would be happy to have her back in any capacity, he said during the announcement. The President said she told him 6 months ago that she wanted to leave at the 2-year mark.Haley called having the position "an honor of a lifetime."During today's announcement, she addressed rumors she might run for President of the United States in 2020. Haley said she will not be doing that and she will be campaigning for Trump.The President did not announce any potential successors for the ambassador position. He said many people want to do it. 700