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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’s been more than four months since Elana Mugdan used her smartphone. Mugdan was the winner of Vitamin Water’s contest that asked participants to go smartphone free for a year for 0,000. When she found out she was selected, Mugdan was thrilled, stating, “I would love to get rid of my phone for a year and reclaim my life.”While most of us wouldn’t ditch the smartphone for an entire year, Mugdan was up for the challenge. She wasn’t completely tech-free, though. Mugdan was allowed to use a computer and a 10-year-old flip phone in case of an emergency. She says the hardest part has been navigating her way around new areas. Mugdan is an author, and she’s currently on a book tour.Her solution? “I go on Google Maps [and] print out directions,” she says.Despite some frustration, going without a phone has given her clarity and she encourages others to cut back.Mugdan recommends first limiting your screen time. Don’t check it first thing in the morning, and do not look at right before you go to bed. Even if you cut back an hour a two a day, Mugdan says, you will see and feel a difference. 1112

Iran announced the capture of one British ship in the narrow Strait of Hormuz today, and US officials say that a second has also been seized.Iran's 160

In an effort to avoid passing the coronavirus, the New York Stock Exchange announced that it is closing its floor and going to a virtual trading platform starting Monday. The closing of the New York Stock Exchange's trading floor will be until done until further notice. “NYSE’s trading floors provide unique value to issuers and investors, but our markets are fully capable of operating in an all-electronic fashion to serve all participants, and we will proceed in that manner until we can re-open our trading floors to our members,” said Stacey Cunningham, President of the New York Stock Exchange. “While we are taking the precautionary step of closing the trading floors, we continue to firmly believe the markets should remain open and accessible to investors. All NYSE markets will continue to operate under normal trading hours despite the closure of the trading floors.”The stock exchange is highly visible, especially in recent times as the Dow Jones Industrial Average has lost nearly one third of its value in the last six weeks. 1054

Learning how to navigate the online world safely is challenge for anyone, but it can be especially difficult for those who didn’t grow up with technology.Pierre Vidoni is 83-years-old and decided to sign up for a digital class at his local library."Young people less than 50 years old grew up with computers, so they understand the nuances of computers," Vidoni says. Amy Halfback teaches the privacy class and says many of her older students say they feel stupid."They are nervous interacting in the online world," she says. From malware, internet scams and phishing, it’s easy for anyone to get taken advantage of online. However, Vidoni says he’s not worried about privacy online.According to the Journal of Public Health, between 2 to 3 million seniors get scammed each year. A few years ago, that was Vidoni. Hackers took over his home screen and locked him out of his computer."They got into my computer, and in order to get it back, I had to pay them money,” Vidoni recalls. “And it was no small amount. It added up to about 0." His family still teases him for falling for the scam. But after taking classes and practicing keeping his identity private online, Vidoni learned the lesson the hard way.“Now, anytime someone is asking me for something that I'm not asking for, I just erase it," he says. 1322