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SAN DIEGO (KGTV) -- Businesses near the border say they’re taking a hit because of the chaos at the border, and it couldn’t come at a worse time.Just blocks from the border, a local business owner says his shop is normally buzzing with shoppers.Owner Jamie Gonzales says sales have taken a hit from the border crisis. “We had to shut down business yesterday,” said Gonzales.RELATED: Commuters in turmoil after migrants rush borderHe has three stores that all closed yesterday. Not a single customer in sight. 90 percent of his workers are from Tijuana and couldn’t get there.He says business has been down 40 percent in the last month. It couldn’t have come at a worse time.RELATED: More troops being sent to California border“With all this uncertainly our business has been impacted in a bad way the Christmas season.” Many business owners in the area also say they’re struggling due to the crisis at the border. 931

SAN DIEGO (KGTV) -- Basic needs can be challenging to meet for homeless families or those living in shelters. As schools resume for students, distance learning can be even harder. Father Joes Villages is helping homeless students thrive this school year."We work with a population that is customarily at a disadvantage and has greater challenges, especially during these times of the pandemic," says Deacon Jim Vargas.It's been a challenge for the kids who aren't able to go to school. "In a sense, distance learning has isolated them even more," says Jennifer Ryan with the Therapeutic Children's Center at Father Joe's Villages."They don't have the financial resources, technological resources, other resources like those families that have homes," adds Vargas.The Therapeutic Children's Center provides a space for students to do their work."We have about 100 children that are in school. That's kindergarten all the way to 17-year-olds," says Ryan.Laptops and tablets are usually given to students by their schools. Father Joe's Villages makes sure they have access to the internet, school supplies, and more.Deacon Vargas says without the right intervention, these students are likely to repeat a grade or worse. "We know statistically that they are four times more likely to be homeless in adulthood."Father Joe's Villages has launched a new distance learning initiative to continue to provide resources to students. 1430

SAN DIEGO (KGTV) - Cal Coast Academy, a private school in Carmel Valley, has an "ambitious" plan to bring kids back to campus as soon as San Diego gets approval from state and county administrators."When we put our mind to something, we make it happen," says Jan Dunning, the school's founder and principal.Dunning plans to build six large tents on the school's property, similar to tents used at weddings or other large events. They'll have flooring, electricity and other amenities to make them feel like indoor classrooms."At my school we think on our feet," says Dunning. "We are flexible because we work with students that need flexibility. So that's a real strength of ours."Cal Coast Academy caters to students who need non-traditional learning, like elite athletes who travel extensively, international students, or students with learning disabilities. That's why the school feels they'll be able to make a non-traditional learning environment work this fall.Class sizes in the tents will be limited to six students per teacher, to allow for social distancing.But the project isn't cheap. Dunning says they've already spent nearly ,000 on the tents. Costs like that make it unlikely that public schools with large enrollments would be able to hold classes outdoors in a similar fashion. But Dunning believes it's doable for small groups, like students with special needs who struggle with online learning. 1424

SAN DIEGO (KGTV) - Beginning Thursday, there will be intermittent closures on Balboa Ave. and Garnet Ave. due to construction. This work is part of the Mid-Coast Trolley Project.Crews will be dismantling the Balboa Ave. Railroad Bridge that extends from Garnet Ave. to east of I-5.The construction work will cause lane and ramp closures overnight through July. Here is what to expect: 402

SAN DIEGO (KGTV) - At the end of the week, many federal government employees may find themselves in a financial bind as they arrive at their first pay period of the shutdown without a paycheck. Enrique, a federal contractor who did not want to use his last name, created a GoFundMe campaign to cope with the lack of funds. He asked for ,000 to cover his salary gap, posting a picture of his family to encourage donations. “This shutdown really affects me because once the shutdown ends I will not get back pay as a contractor,” Enrique said. Christian Rodriquez is a corrections officer at Metropolitan Correctional Center detention facility in downtown San Diego. His work is deemed essential, so he is working without pay."I'm going to have to borrow from family and friends to pay my mortgage, or get a loan," said Rodriguez.Some institutions, including Navy Federal Credit Union (NFCU), are offering no-interest loans to help workers through the crisis. Other banks, including Chase and Wells Fargo, encouraged affected customers to reach out for assistance.While some loans may have fair terms, government employees are warned to beware of so-called predatory lenders during the shutdown. The California Department of Business Oversight (CDBO) has established guidelines to protect borrowers from illegal and improper lending practices. The agency is warning government workers against excessively high fees and commissions, high interest rates, high-cost credit insurance, and refinancing with higher fees, known as “loan flipping”. CDBO experts have tips for anyone seeking a loan.Shop around: Compare interest rates and total costs of loans by several banks and credit unionsUse caution: Be wary of lenders who contact you first, or offers “only good for a short time”Ask questions: You have a legal right to know the total cost of the loan, the APR, monthly payments, and how long you have to pay it backThink before you sign: Make sure you understand all documents, and consider having someone else check them 2031