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Students watching the COVID-19 pandemic play out have reason to be wary of taking on additional loans for college. With what could be a slow economic recovery, signing up for an additional bill that comes each month, no matter what, might sound like a bad idea.Federal student loan payments are currently paused. But those repayments are scheduled to resume next year before current students can take advantage of the halt. And while government income-based repayment plans and forbearance can offer a respite for economic hardships, interest still continues to add up. Private loans are even less forgiving and almost always require a co-signer.But there’s an alternative emerging: income share agreements, or ISAs. With these agreements, students borrow money from their school or a third-party provider and repay a fixed percentage of their future income for a predetermined amount of time after leaving school.Depending on the terms of the agreement and the student’s post-graduation salary, the total repaid could be much more or far less than the amount borrowed. It’s a gamble that could be worth it for students who’ve exhausted federal aid and scholarships. Here’s why.No co-signer requiredMost students need a co-signer to qualify for private student loans. Co-signers are on the hook for any missed payment, and a large balance can be a burden on their credit report. As families look to make ends meet, they may need that borrowing leverage for themselves.Income share agreements are co-signer-free. Instead of credit history, students typically get an ISA based on their year in school and major. The best terms are often reserved for students in high-earning majors near graduation, like seniors studying STEM fields. But high earners also risk having to repay a larger amount.If an income share agreement isn’t the right fit for you and you need additional funding without a co-signer, consider a private student loan designed for independent students. These loans are often based on your earning potential and don’t require co-signers. They may also offer flexible repayment options based on salary or career tenure.Unemployment safety netWith an income share agreement, if you’re unemployed — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — you don’t make payments. No interest accrues, and the term of your agreement doesn’t change.That makes these agreements a good option for students in times of economic uncertainty, says Ken Ruggiero, chairman and CEO of consumer finance company Goal Structured Solutions, which is the parent company of student loan providers Ascent and Skills Fund and provides funding for school-based ISAs.“I like the idea of not having to make a payment when you’re going into a recession or right after the recovery happened,” he says.If you’re a junior, senior or graduate student poised to enter the workforce soon, that could make an income share agreement more attractive. Tess Michaels, CEO of income share agreement provider Stride Funding, says she’s seen a significant increase in inquiries since the pandemic forced schools to shut down in March.But freshmen and sophomores have more time to wait out the economic fallout. If you’re further from starting your career, weigh the recession-related benefits of an income share agreement against the risk of giving up a percentage of your future income. Remember, you won’t know the total cost of an ISA when you sign up.But it’s not right for all studentsSome colleges offer income share agreements to all students regardless of major or tenure. Still, many of these programs prioritize upperclassmen, making it harder for freshmen and sophomores to qualify.But an income share agreement might be the wrong move even if you’re graduating soon. If your income is higher than average after graduation, you might pay much more than you received.Let’s say you get ,000 from a private ISA company and agree to pay 9% of your salary for five years. If you earn ,000 a year (the average starting salary for a college graduate) for the length of your term, you’ll repay ,950. That is equivalent to a 10.6% interest rate. In that case, a private student loan could be a better option. Fixed rates on private student loans are hovering around 4%, though independent students will likely pay more.And income share agreements have fewer protections for borrowers than student loans. Tariq Habash, head of investigations at the Student Borrower Protection Center, says that while consumer protection laws apply to these agreements, “ISA providers will say there isn’t really legal clarity because they’re new and different.” He said that he saw the same thing with payday loans and fears ISAs will take advantage of the most vulnerable students.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondCollege During COVID-19: Your Aid Questions AnsweredWhat to Do if There Isn’t COVID-19 Student Loan ForgivenessCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 5166

Supreme Court Justice Ruth Bader Ginsburg fell in her office Wednesday evening, according to a statement Thursday morning from court Public Information Officer Kathy Arberg.Ginsburg, 85, went home afterward, but she experienced "discomfort overnight" and went to George Washington University Hospital early Thursday, Arberg noted: "Tests showed that she fractured three ribs on her left side and she was admitted for observation and treatment."Falls are "incredibly dangerous," said Dr. Adam Shiroff, director of the Penn Center for Chest Trauma and an associate professor of trauma surgery at Penn Medicine. "Every trauma center across the country sees falls as an incredible problem, particularly in the elderly." 723

Thanks to @blackdoctor_org for asking this question. And, for Dr. Fauci for now making it likely impossible to enforce “Kizzmekia” cause everyone now knows he’s allowed to say “Kizzy”. Haha ?? https://t.co/AUsDNN7hVh pic.twitter.com/c4xIvqtLXg— KizzyPhD (@KizzyPhD) December 10, 2020 297

The 2016 election was psychologically traumatic for some, according to a new study published in the Journal of American College Health. It found that 1 out of 4 students surveyed experienced clinically significant event-related distress short term.Researchers from San Francisco State University, University of California, San Francisco and Arizona State University assessed a diverse group of nearly 800 undergraduates at Arizona State two to three months after the election.A key battleground, Arizona got a lot of political attention. Ultimately, Trump won Arizona by a narrow margin, earning 48.7% of the vote.The survey students filled out asked questions to determine the emotional effect of the event the election. It asked about the impact the election had on close relationships and assessed clinical symptoms of distress and subclinical impacts, meaning emotions that don't present definitive, more readily observable symptoms.Symptoms included "avoidance," a clinical term used to describe how someone deliberately stays away from whatever is causing them trauma, and "intrusion," a clinical term meaning the inability to keep memories of the source of their trauma from returning. The researchers also looked to see if demographics made a difference.Most of those surveyed, 65%, said the election had no impact on their close relationships. About 24% reported a slight or very negative impact and a little more than 10% reported a positive impact.If the election did have a negative emotional impact, avoidance was more common than intrusion among these students. One-fourth of participants showed clinically significant avoidance and intrusion symptoms in response to the election. Women, Democrats, people who did not identify as Christian and sexual minorities reported significantly more event-related distress, the study found.The students surveyed came from diverse backgrounds and held a mix of political opinions. Of the group, 18.5% reported that they were satisfied with the result of the election, 25% said they were somewhat satisfied, 19.2% said they were somewhat dissatisfied, and 37.2% said they were completely dissatisfied. Thirty-nine percent also reported that they were "considerably or extremely" upset by the election, 28.5% were not at all upset, the rest fell somewhere between.The study had limitations. The survey did not look at conditions long term. It couldn't rule out other stressors. It only looked at this one election and did not evaluate how students reacted in other years.Other studies looking at the 2016 election have found similar results. A study released in June that surveyed nearly 300 students two days before the 2016 election, on election night, and two days after, found that students who were concerned about Trump's ability to govern and those who were a part of the "non-dominant social group," including women and people of color, showed increased signs of stress before and during election night. Biological tests showed some signs of increased stress after the election, although there was a general recovery in mood, according to self-reported results.Lindsay Till Hoyt, who co-authored that study and is not connected with the current work, found this latest research interesting. She was not surprised that students felt increased stress."I think so much of the social media and news about the election really felt personal and aimed at specific groups like Mexican Americans and women," Hoyt, an?assistant professor of psychology at Fordham University,?said.For example, she cites Trump's justification for building a wall between Mexico and the US, saying in a debate "we have some bad hombres here and we're going to get them out." Or when a 2005 "Access Hollywood" tape was released in which Trump talked about how his celebrity status allowed him to behave aggressively with women, saying he could "grab them by the (expletive)" and that he would sometimes "just start kissing them.""Comments like those could hit very close to home, as opposed to arguments about abstract concepts like foreign policy and economic policy, students might not be as well versed in those topics," Hoyt said. "Because there was literal name-calling going on in the election cycle, even with students less politically engaged, that strong language and the harsher crassness of the rhetoric may have had a more broad effect on these students."In another study she and a graduate student are working on, they've noticed that both sides, conservatives and liberals, say they have felt discriminated against during the election, and preliminary results show it has caused them stress that interrupted their sleep."It's not just along ethnic and racial discrimination lines," Hoyt said "Conservatives also feel discrimination is affecting their sleep, it crosses both sides of the political aisle."Another 2018 study looking at how 700 teachers navigated the days after the election with K-12 students, and researchers found stories of such distress. One surveyed teacher remarked "for millions of people, this is real trauma."Beth Sondel,?who co-authored that study of teachers, finds this latest research on college students useful."Many of these young kids that the teachers were talking about in our study weren't privy to the policy being presented in the election, but the rhetoric was so strong it was impacting them," said Sondel, a research assistant professor in the department of instruction and learning at the University of Pittsburgh School of Education.Teachers reported they saw an immediate heightened fear of deportation among students. One teacher reported one of her seventh graders asked her if "Trump can come with a bus and get me?" Another teacher in Nebraska said a high school student who was expecting a baby asked if the teacher would take care of the baby if he was deported. Another teacher reported consoling a second-grade student who told her through tears that she was worried that when she'd get home from school her parents wouldn't be there."In general, I think our results are similar, in that we are finding that even these younger students are internalizing this rhetoric and it is causing stress and trauma," Sondel said. "I think the personal has become really political in this election."The authors hope this latest study will help mental health professionals better counsel college students have. Knowing that an election can cause distress, professionals should ask about it to better target treatment, they said. 6606

TALLAHASSEE, Fla. — New unredacted court documents reveal Aaron Glee Jr., who is accused in the murder of Oluwatoyin "Toyin" Salau and Vicki Sims, confessed to killing the young activist and community volunteer.The documents also detail how Sims and Glee knew each other and how all three of them briefly met on June 6.Probable cause documents state that when officers responded to Glee's home in the 2100 block of Monday Road on June 13, they found Vicki Sims' car stuck in the mud outside of the home. They say a sheet was placed over the back of the Toyota and the license plate was bent up, hiding the license plate number.When they went inside, they found 75-year-old Vicki Sims' body. Investigators say her arms and feet were tied up behind her.As they continued searching Glee's home, they found 19-year-old Oluwatoyin "Toyin" Salau's body. Documents say her body appeared to be "purposely" covered with leaves and other vegetation.According to documents, when officers spoke to Sims' family prior to the discovery of her body, they said that Sims "often prepared meals for 'Aaron'" and delivered them to his home."It was reported that 'Aaron,' who did not own his own vehicle, often obtained transportation from Sims," probable cause documents read.As police continued investigating, they learned that, about two hours before the bodies were discovered, Glee had bought a bus ticket to West Palm Beach. On June 14, Glee was detained by the Orlando Police Department at a Greyhound station.After complaining about having trouble breathing, Glee was taken to the hospital. That's where documents say he voluntarily confessed to the murders; once to officers who were guarding him and again to his mother in a phone call.When TPD officers interviewed him, Glee confessed to kidnapping and murdering Salau and Sims on different dates.Glee said that on June 6, he was at a bus stop on Apalachee Parkway when he met Salau. He said they talked for about an hour.During that time, he said Salau told him that she had been recently sexually assaulted and didn't have a permanent place to stay. After that, Glee agreed to go with Salau to his home so she could bathe and rest."Glee stated that he then placed a telephone call to Sims, and that she came and picked he and Salau up in her Toyota," documents read. According to investigators, Glee's story was corroborated by surveillance video.After Sims dropped them off, Glee said she left and Salau went inside the home to take a shower. After Salau got out of the shower, Glee said he "attempted to engage her in sexual activity."He told officers that Salau physically resisted him, biting him on the arm."Glee said he physically overpowered Salau... He was asked if he would characterize his actions as rape," investigators wrote in the documents. "Glee responded in the affirmative."Glee said that he then kept Salau inside the home for approximately three to five days. He told officers that he was heavily under the influence of alcohol during that time, so he was unsure exactly how much time had passed."Glee stated that he was aware he would be arrested and likely sentenced to prison if he allowed Salau to leave the residence," documents read. "Glee indicated he determined that his only course of action was to end her life."So, Glee said he tied her up in a way that made it difficult for her to breathe.Based on the evidence and Glee's confession, officers found probable cause to charge him with two counts of kidnapping and two counts of murder (second degree murder and premeditated murder), and one count of sexual assault.During a court appearance on Saturday, a judge ruled that Glee will be held in jail without bond.This story was originally published by staff at WTXL. 3747