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INDIANAPOLIS — If you're one of the millions of people struggling to pay back your student loans, you know there's no easy solution. At least, not by yourself. But a crowdfunding app called Givling has pulled together hundreds of thousands of people across the country. Their ultimate goal? To be able to pay off a student loan every single day. While they aren't quite there yet, Givling has grown significantly over the past year, and they've given out more than .5 million in loan and mortgage help to people across the country. One person Givling has helped is Indiana University graduate Erin Smith, who says one big win on the app enabled her to put a down payment on a home for her and her little girl. "I first heard about Givling on the news, when one of the first loan payoffs was a guy in Indy a couple of years ago," Smith said. That Hoosier winner she is referring to is Jordan Shelton. He won ,407 in July 2017 to pay off his student loans. Shelton was just the second person to have his loans paid off by the crowdfunding app, which has now funded more than 35 loans and paid out thousands of dollars in trivia and random prizes."I downloaded it and began playing, participating at that time," Smith said. "My main goal was to get into the funding spot someday. I have a decent amount of student loan debt, that seems a bit overwhelming."And that's still a goal for Smith, but while she works her way up the queue toward the winner's circle, playing Givling proved to be more than just a chance at student loan relief — it helped her start her new life with her 3-year-old daughter. "I never thought of winning via trivia because I wasn't very good," Smith said. "I watched as Givling was growing, gaining more momentum, then started telling everyone who would listen about it. Most people wrote me off or called it a scam, but I got a few people to sign up. In October of last year, I was at work telling people about Givling and playing my free plays on my break. That's when I noticed I was on a team with high scores. My score was only 360, and the other two players each had a score of 10,250. That put us in first place for that week's trivia."That score was enough to win Smith and her two randomly paired trivia teammates a cool ,391 each. With the money she won from playing trivia on Givling, Smith was able to close on her first home last month. "I received a check a few weeks later," the mother said. "At the time I had been saving up for a down payment to buy a house," Smith said. I'm a single mom ... My No. 1 goal was to get us a home of our own. The money I won went toward that goal."I still play daily and still have hope of getting into the funding spot or random draw to have my student loans paid off. I love Givling and love what they do."Smith isn't alone, Hoosiers from Avon, Indianapolis, Frankfort, Lafayette and South Bend are just some of the thousands of winners who have won cash prizes and paid off all or some of their student loans by playing trivia on their phone. Givling has paid out more than .5 million to users since it started in 2015. The app isn't like most online games with big prizes. Each player gets two free games per day. Users have the option to purchase "coins" to play extra trivia games, but you don't need to buy anything to win. "I started playing Givling about a year and a half ago," Purdue University graduate Amanda Jeffries said. "I saw a few posts on Facebook from an old high school classmate and looked into it and decided to join. I didn't play a lot at the beginning, but then I started to play daily."For each ,000 loan that's paid off, Givling also chooses two random winners who each get ,000. That money can either go toward your student loans or your mortgage. Jeffries isn't at the top of the queue to get her loan funded and she didn't win at trivia, but she did win that ,000 just for being a Givling member and playing her free plays each day. She found out she had won after receiving a surprise phone call. "I was very excited to get the call," Jeffries said. "I ignored the first call since I didn't know the number and I was at work. They called right back, so I answered that time."Jeffries chose to put that ,000 toward her student loan debt, which she says is a lot more manageable and a lot less daunting now, thanks to Givling. "It helped bring my loan balance to just over ,000. So obviously, not having to worry much about that loan is wonderful," Jeffries said. "We're going to pay the rest of mine off quickly, then focus on my husband's loans."That's the premise of Givling; the startup has dedicated itself to stamping out student loan debt one student at a time. Givling is funded through partnerships, ads, games and "coin" purchases made by members. Those coins can be used to play more than the two free trivia games you get each day. The app has nearly 400,000 registered users, which may seem a little daunting if you're just jumping in. But Seth Beard, chief marketing officer for the company, says the queue is only one part of what they do. "We encourage new users to focus on the big weekly trivia cash prizes as well as the ,000 random drawing," Beard said. "The queue is not a sprint, rather a marathon, and will take time to climb. While the trivia cash prizes and random drawings are more frequent and someone who joins today can, essentially, take advantage of those right away."Just this week, Givling awarded more than ,000 in trivia prizes, completed funding on a ,000 student loan and awarded a ,000 prize for the random drawing. "As we continue to grow, we'll expand the prizes. There will be more frequent random ,000 drawings, and we may have two or three trivia cash payout periods through the week instead of just one. Therefore, more prizes for new users," Beard said. "Plus, the past two weeks have had trivia winners with a score of just 10 points, or one question right. You never know how the computer will pair the team since it's all random."For more information visit the 6092

It was a rare disagreement between a teenager and his mother that was shared in front of Congress and the public in a hearing Tuesday. “With my mother, it wasn't she didn't have the information, she was manipulated into believing it,” high school senior Ethan Lindenberger said in the hearing. Lindenberger told senators how he grew up believing vaccines were harmful and how his mother would not allow him to get vaccinated.“As I approached high school and began to critically think for myself, I saw the information in defense of vaccines outweighed the concerns heavily,” he said. When Lindenberger turned 18 a few months ago, he defied his mother and got vaccinated. A U.S. Senate committee invited him to share his story during a hearing that discussed what's driving outbreaks in parts of the country, mostly blaming it on those who don't get vaccinated. Doctors and Congress spent the hearing talking about the importance of vaccines, especially among children. An overwhelming majority of parents vaccinate their children. However, polls have shown public support of vaccine has fallen and according to the CDC, the number of children under 2 who have not received any vaccinations has quadrupled in the past 17 years. “I used to work in the pharmaceutical industry. This is why I question vaccines,” says mother Brandy Vaughn, who has chosen not to vaccinate her son. Vaughn criticized Tuesday’s hearing, saying those who question vaccines did not get a seat at the table. “We tried to put them on the witness list, and there's no room for anyone that has anything negative to say about vaccines. Yet, an 18-year-old teenager, without absolutely no background in any kind of science or vaccines, can testify in the hearing? It's outrageous,” Vaughn says.Doctors today blamed social media, in part, for spreading false information about vaccines and encouraged concerned parents to turn to pediatricians, not the internet. 1942

It used to be that learning happened in the classroom, but these last few months it’s happened a lot in front of a screen. Many parents have debated about how much screen time is too much and what’s best as school comes to a close and we hit the summer break. Now, some experts say that thinking screen time is bad might be old-school thinking. Video games have changed a lot since the days of Atari Pong. Now, more than ever, they’re designed to keep the consumer engaged. One of their biggest targets: adolescents. "Video games have classically been more of a problem because once you really engage that reward system, it’s frustrating and tough to pull kids off," said psychiatrist Joel Stoddard.He said that’s because a child’s reward system is stronger than a child’s control system. And there’s a difference in the way the brain reacts to video games than it does to the online schooling. "For most of the video games that kids are really into, like Fortnite and Zelda: Breath of the Wild, those games are designed to really engage their reward systems and keep their attention. So, that’s a little bit different than online school, which is not really designed in the same way to grab hold of those areas in the brain that are involved in like ‘this is what I want’," said Stoddard. "When kids are engaged with a teacher or with academic content online, that serves a very different purpose than playing a video game or having a zoom call to socialize with a peer," said Jennifer Walsh-Rurak, Vice President of the Northeast Region of Fusion Academy. That interaction, whether it’s playing video games with friends online, or FaceTiming, is better than no interaction. "In this day and age where they can’t naturally go outside and engage with kids in the neighborhood, we don’t want to discourage them from having that social peer interaction which we know is so critically important," said Walsh-Rurak. Stoddard says the extra time on the screens, isn’t all bad. It can actually be beneficial to an extent."The brain gets better at doing what it does so, when we’re interacting with screens all of our visual and screen areas are getting better. If you’re gaming, maybe some of those special attention and those reward areas get more sensitive, if we’re doing social media we’re going to be highly attuned to what does that ‘like mean, what does it not mean’. The brain just gets better at what it does," said Stoddard. However, it’s important to think about what else the kid could be doing instead of playing on the screen. "We do know that video games can suck kiddos in so they’re not actually having normative typical social interactions. They might gain weight, for example, and have disrupted sleep. And those have that sort of knock-on effects," said Stoddard. "I think proactively before it gets to that point, ensuring that kids have time built into their day where they plan to be outside maybe walking the dog, engaging with a family member in a conversation, reading a book. Doing something that very intentionally takes them away from that screen," said Walsh-Rurak. 3102

In just 48 hours, three Democratic hopefuls dropped out of the presidential primary election, leaving some voters wondering 136

Kellogg is getting out of the cookie business to focus on snacks and cereal.Ferrero will buy Kellogg's Keebler cookies, Famous Amos, Mother's, Murray's, Girl Scout cookies and fruit snacks brands for .3 billion. Ferrero makes Nutella, Tic Tacs and Ferrero Rocher chocolates among other confectioneries.Kellogg has been trying to 343

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