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For more than a decade, Dawn Comstock has studied sports injuries among high school athletes, collecting data from hundreds of high schools across the country.She says after going over all the numbers, something began to stand out about men and women’s lacrosse.“We really just set out to ask the question, "how much of the concussions of girls lacrosse could be directly attributed to the fact that they are prohibited from wearing the hard shell helmet with the full facemask that’s required in boys lacrosse?" said Comstock.Ann Kitt Carpenetti from US Lacrosse says the differences create almost a different game with different issues.“The game rules are different, the culture is different, we do recognize that injuries do occur in both games," said Carpenetti.There’s no body checking, basically a running shove, in women’s lacrosse like there is in the men’s game. Because of that rule, women's lacrosse players don't wear helmets.But Comstock and fellow professor Sarah Fields found that rule isn't keeping female players from getting hurt.“What we found was 72.7% of all of the concussions among girls high school lacrosse players resulted from being struck by a stick or a ball," said Comstock.Almost three quarters of concussions among women's players have nothing to do with player-to-player contact.The researchers estimated that by requiring them to wear helmets, they could reduce the total concussions in the sport by 45%“61.5% of the concussions that resulted from being hit by the stick or the ball in girls lacrosse players could have been prevented if they had been wearing the same helmet the hard shell helmet with the full facemask that boys lacrosse players are required to wear,” said Comstock.US Lacrosse says it has a helmet designed for women’s lacrosse and is testing it in Florida“In terms of the rate of head injuries caused by stick and ball, some concussive, some other, we agree it was notable. And that’s why we led the development of the ASTM head gear back in 2008,” said Carpenetti.The helmet is softer and has less coverage than the male helmet, and right now it’s optional in all states except Florida. Depending on the results of an ongoing study of it’s effectiveness it could be rolled out across the country.But for Fields and Comstock, that rollout is inching along at a painful rate."Sport culture, loves to move at a glacial pace, I mean we're still arguing about designated hitters in baseball. So we don't like change in sport and we pretend like change can't happen in sport," said Sarah Fields, CU Denver.Change Comstock and Fields say would help prevent nearly half the concussions in women’s lacrosse. 2662

Five days after a gunman slaughtered 10 people at a Texas high school, teachers are returning Wednesday to the site of the massacre.Santa Fe High School teachers and staff are returning "to support each other and prepare for our students' return," said Leigh Wall, superintendent of the Santa Fe Independent School District.Students will return next Tuesday, Wall said. They'll have access to "counseling assistance from many state and local agencies" and will see additional law enforcement officers on campus, the superintendent said. 544

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

Former Vice President Joe Biden formally accepted the Democratic nomination for president on Thursday from Wilmington, Delaware, on the final night of the 2020 Democratic National Convention.At age 77, Biden became the oldest major party nominee for president.Biden capped off a four-night pitch to Americans that Democrats have a broad coalition ready to take over the White House."But while I will be a Democratic candidate, I will be an American president,” Biden said as he accepted the nomination. “I'll work hard for those who didn't support me, as hard for them as I did for those who did vote for me. That's the job of a president, to represent all of us not just our base or our party. This is not a partisan moment. This must be an American moment."In making his case for the presidency, Biden called the 2020 election a “life-changing election.”This will determine what America is going to look like for a long, long time," Biden said. "Character is on the ballot. Compassion is on a ballot. Decency. Science. Democracy. They're all on the ballot, who we are as a nation, what we stand for, most importantly, who we want to be, that's all on the ballot."The sights of this year’s convention stood in stark contrast from past conventions. There was no balloon drop. Delegates remained home.Instead, moments after Biden finished his speech to a largely empty room, he and running mate Kamala Harris stepped outside, wearing masks, to a crowd of people in their vehicles who watched the speech like it was a drive-in movie.DNC takes a comedic turnSeinfeld actress Julia Louis-Dreyfus emceed Thursday’s portion of the convention, and attempted to add more comedy than most convention viewers are accustomed to.Her jokes often were pointed at the expense of President Donald Trump. Trump in the past has not reacted well to jokes at his expense, once threatening to sue “Saturday Night Live” for a skit featuring a parody of him.A few of the jokes Louis-Dreyfus told throughout the evening:"Joe Biden not only knows how to read, but also he reads everything"“30330 (a number to text the Biden campaign to offer support). That would be the president's golf score if he didn't cheat. OK, look. I'll admit that was a little nasty. But we all know he's a cheater. And I'm proud to be a nasty, nasty woman.""Just remember. Joe Biden goes to church so regularly that he doesn't even need tear gas and a bunch of federalized troops to help him get there."John Lewis rememberedRep. John Lewis was remembered by Democrats on Thursday following his death last month. The civil rights leader who represented Georgia died on July 17.Atlanta Mayor Keisha Lance Bottoms, who was reportedly considered to be Biden’s running mate, stressed the importance of voting after civil rights leaders like Lewis marched for that right.“We have cried out for justice, we have gathered in our streets to demand change, and now, we must pass on the gift John Lewis sacrificed to give us, we must register and we must vote,” Lance Bottoms said.Trump silentWhile President Donald Trump sent several all caps tweets on Wednesday in response to the convention, the president had not tweeted anything about the DNC as of when the convention ended. He did, however, send a single tweet as Biden wrapped up."In 47 years, Joe did none of the things of which he now speaks. He will never change, just words," he said. Trump will get his turn at the microphone next week as the Republicans hold their convention starting Monday. 3504

FORT MYERS, Fla. -- Police have arrested a 14-year-old girl after they say she was behind the wheel of a car that reversed into a patrol car twice -- once with the officer inside -- and led them on a pursuit before crashing into a fence. The girl is facing several felony charges.Police say they were called to a local RaceTrac on Saturday to investigate a suspicious car. When they got on scene, they found a 14-year-old girl behind the wheel. They say she then reversed into the patrol car twice, the second time while the officer was inside, then took off.She led police on a nearly mile-long pursuit until she crashed her car into a fence. The panel of the metal fence was destroyed. Shyvonne Jackson said he was leaving work when he saw the commotion. "Someone could have got hurt. Some kids could have gotten hurt. Somebody could have got their life taken away," he said. The girl is now facing multiple charges, including 10 counts of hit-and-run with property damage and six counts of aggravated battery on an officer.  1090