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TEMPERANCE, Mich. — A high school football coach has lost his job and now a mom and dad are calling for a priest to be fired after events at their son’s funeral.Eighteen-year-old Maison Hullibarger died on December 4. His parents say they knew him to be a young man with dreams and potential.“He was at the University of Toledo. He was a freshman, studying criminal justice. All A's,” said Linda Hullibarger, Maison’s mom.It is hard for his parents to talk about even the good times: How Maison loved his family, enjoyed eating the home cooked meals his mom made, camping and football.“He was strong. He was confident. He enjoyed life,” said Jeff Hullibarger, Maison’s dad .Everyone who knew and loved Maison is trying to come to terms with why he took his own life December 4. 810

Texas Sen. Ted Cruz and Rep. Beto O'Rourke met during a chance encounter at a Texas airport this week, where the two reportedly exchanged kind words and discussed how they could "move forward" together just days after a highly-contentious Senate election.Cruz, a conservative Republican, beat O'Rourke, a rising star in the Democratic Party, in last week's midterm elections.The encounter was posted on Tuesday on Twitter and Facebook by Tiffany Easter, who posed in photos with the two Texas politicians, writing that "Beto noticed Ted sitting down and walked over to congratulate him on his re-election and campaign.""It was the first time they had seen each other since the election and the entire conversation was both of them talking about how they could move forward TOGETHER," Easter wrote on Facebook."Today we literally watched them come together. This is America. This is good. This is wholesome," she said, adding that she was in "awe" of the "humility" the two showed.Both Cruz and O'Rourke's campaigns did not immediately respond to CNN's request for comment Thursday morning. 1102

Starting Saturday night, Tropical Cyclone Douglas will approach the State of Hawaii from the east. Increasing chances of heavy rain and strong winds could affect portions of the state beginning Sunday. It is too early to tell which islands will be impacted by #Douglas. pic.twitter.com/F8UXnpAZ7a— National Weather Service (@NWS) July 23, 2020 351

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

TAMPA BAY, Fla. -- Researchers are working to develop and test a tool to help COVID-19 responders in mental distress.The project was one of 14 at the University of South Florida to receive funding.“The key idea is developing this thing that will interact between people in need and all the resources that exist, it will be that go-between,” said assistant professor Jerome Galea.The researchers said they plan to create a prototype of a chatbot to help break down barriers to access to mental health care. Through things like text or social media messaging, the Tampa Bay Area Treatment & Health Advisor (TABATHA), will help screen the level of mental distress in responders and their service preferences.“This chatbot will integrate screening and basically referral into one product. And why that’s so important is people are going to be at different levels in terms of stigma surrounding care-seeking and also their readiness to engage with care,” said assistant professor Kristin Kosyluk.They’re partnering with other community organizations, including the Crisis Center of Tampa Bay.“We know first responders. They’re the first out the door but they’re the last to ask for help,” said the center’s CEO and president, Clara Reynolds.Reynolds said in the past six months, the center has handled more than 9,000 calls related to COVID-19, though received fewer calls from first responders than expected.“We know this is just gonna be the tip of the iceberg that that behavioral health tsunami is coming from multiple areas,” Reynolds said. “If a device like a chatbot can be developed and proved to be effective to help those at least be able to start to navigate the behavioral health system I just think it’s gonna be an amazing tool.”“It’s increasing a lot of the frustrations people are having with limitations on PPE and limitations on people congregating and everything else. They’re not able to have those fun events outside of work, where they can release and let that stress go. And everything compounds daily because of their call volume increasing because of the pandemic,” said St. Petersburg Fire Rescue training Lt. Rob Neuberger.He explained the burden is also intensified for peer support team members who have lost some human connection in checking in.“I think where social distancing has helped with everything with the pandemic, I really like to just call it physical distancing. That way, we don’t have the emotional separation, that way we can lean on each other as human beings and as just people every day,” he said.St. Petersburg Fire Rescue says they’ve worked to implement programs and resources, including tips on dealing with stressors, how to have conversations with family members, and Zoom calls with a doctor.“One avenue to get help might be different for the next person,” said division chief of training Richard Ganci.“Ask for the help when you need it,” Ganci saidThis story was first reported by Haley Bull at WFTS in Tampa Bay, Florida. 2986