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The Better Business Bureau is warning the public about “synthetic” identity theft. The BBB says the technique involves scammers combining information from multiple individuals to invent a false identity. It’s said to be so hard to detect that you might be a victim and not even know it.Specifically, the BBB says scammers pull together stolen Social Security or Social Insurance numbers, the address of an abandoned property, and a fake name and birth date. Using that information, experts say scammers apply for a credit card. Initially, they will be declined since they don’t have a credit profile, but this creates a record of a “person” that doesn’t actually exist.Next, scammers add that “person” to one or more legitimate accounts and over time, the crooks build up a credit history until they can qualify for large lines of credit.Once approved for a high line of credit, the BBB says the scammers do what’s called a “bust-out,” meaning the con artists charge their credit cards to the limit, pays nothing, discards the identity and disappears.If your Social Security or Social Insurance number has been used in one of these schemes, it will be hard to detect. The BBB says negative credit reports will be tied to your SSN, but not your name, phone number, and address, meaning fraud alerts, credit monitoring, and credit freezes won’t stop the scammers or alert you to what is happening.“However, unpaid debts left by the scammer can affect your ability to take out loans or credit. Also, jilted creditors will eventually track the debts back to the Social Security number and, ultimately, its real owner,” wrote the BBB in a press release.The BBB offered these tips on how to protect yourself from “synthetic” identity theft:Minimize your exposure. Don’t give out your Social Security or Social Insurance number if it isn’t absolutely necessary. When a business, medical office, or individual asks for this information, don’t be afraid to ask them why they need it and how they will protect your personal information.Protect your child’s personal information. A child’s identity is appealing to scammers due to their clean, blank slate.Keep an eye on your communications. Monitor any mail, phone calls, email, or other communications you receive. Be alert if something arrives out of the blue or doesn’t make sense. If you receive any mail or phone calls regarding you or your child that seem like a red flag, follow up right away 2447

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

The annual Sturgis Motorcycle Rally in August was widely panned by public health experts for gathering tens of thousands of people amid a pandemic.In the months since, the impact of the rally is still being studied.According to CDC data released in recent days, 51 attendees of the rally who resided in Minnesota were infected with the coronavirus in the days following the event. Of them, three were hospitalized and one person died.There were also 35 coronavirus cases tied to direct contacts of those who were infected after attending the rally. Of them, one person was hospitalized.“The findings suggest that this rally not only had a direct impact on the health of attendees, but also led to subsequent SARS-CoV-2 transmission among household, social, and workplace contacts of rally attendees upon their return to Minnesota,” the CDC said in its findings. “Whole genome sequencing results supported the finding of secondary and tertiary transmission associated with this rally.”Amid the rally, Minnesota’s Department of Health recommended that motorcycle rally attendees quarantine for 14 days upon return and be tested 5–7 days later even if they were asymptomatic, according to the CDC.Following the rally, the City of Sturgis required government workers to be tested for COVID-19. The city also offered testing to residents. 1341

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

The 2008 recession proved devastating not only to the economy but American lives after suicide numbers spiked in its wake. And for veterans at a high risk of unemployment and mental illness, experts say greater efforts are needed to support the population.A nonprofit in San Diego is using a unique form of therapy to help veterans and their caregivers during this time."All I have to do is relax. Being able to get out of my head and literally not have to do anything for an hour, it's amazing," said Candra Murphy, an Air Force veteran.In a pool heated to match the human temperature, veterans are transported to a state of calm."It's often equated to if you were to go all the way back to being the womb, and that safety and serenity of being in the watery environment," said Elizabeth Berg, executive director of Wave Academy.But like many veterans sent to the aquatic therapy program, Murphy had her reservations."The first session, I was tense pretty much all the way through," remembered Murphy.Murphy served for six years and deployed once to Balad, Iraq. She says the base was a constant target for mortar attacks, and the most difficult part of the deployment was not knowing what was going to happen next.When she reintegrated back into civilian life, everyday tasks like driving, were a challenge."It just depends on the day. More often than not, my symptoms tend to show up as anxiety, hyper-vigilance, general distrust of crowds. I tend to self-isolate a lot," said Murphy.Through counseling, Murphy learned she had Post Traumatic Stress Disorder (PTSD). She began sessions at Wave Academy before COVID-19, but like many services, it was put on hold.Murphy says she's been managing the pandemic well, but it was challenging not having access to the therapies which help with her PTSD."For the first time ever, we have a wait list of people who would like to have our therapy program," said Berg.Wave Academy serves veterans, active duty service members, and caregivers. Through donors and granters, they're able to provide eight sessions at no cost for people with low to moderate-income."It's great for physical therapy as well, the warm water and the light massaging and maybe twist or stretches is absolutely helpful for the physical body. But I think the piece that makes it so effective when we're working with veterans who have post-traumatic stress, you know we're working with that trauma of the mind, is that this particular therapy transcends from body to mind," said Berg.Clinical psychologist Mark Jesinoski works with combat veterans, many who were already dealing with heightened physical and emotional pain before the pandemic."I'm hearing from a lot of veterans that they're feeling more isolated, they're feeling less supported. Exactly what they need they're not getting right now," said Dr. Jesinoski. He says he's alarmed by what he sees in his practice, for both civilians and veterans. "When I look back at my veteran community that I get to work with every day and feel their pulse, what I notice is every single thing they experience as normal people is completely and totally magnified by what's happening in our society today," said Dr. Jesinoski. A report from the Meadows Mental Health Policy Institute indicated that for every 5 percent increase in the national unemployment rate, as many as 550 veterans a year could be lost to suicide, and 20,000 more could suffer from substance abuse disorders.But instead of focusing on predictions, Dr. Jesinoski says society should seek proactive solutions."I don't think it's a matter of putting more money into it, I think it's about being much smarter and much wiser in how we allocate that money in being a much more interconnected system of services," said Dr. Jesinoski. Between the government and community nonprofits like Wave Academy."What I would say to a veteran if they are struggling is don't do that pride thing, don't do that isolation thing, don't do the 'I ain't got time to bleed thing'. Be willing to take a breath and to overcome that resistance to asking for help," said Jesinoski.After being inspired by his journey of working and healing with veterans, Dr. Jesinosky started a podcast to help support the population.If you or someone you know needs help, you can contact the National Suicide Prevention Lifeline anytime at 1-800–273-8255. 4353