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SAN DIEGO (KGTV) - The cycle of debt is something a lot of people are desperate to break. One of the biggest challenges is keeping up with credit cards, payments and beating the interest rates. Now, a San Diego startup is offering people an opportunity to make purchases on items they may need for themselves or their families, without interest rates, credit checks, or penalties. Marc Schneider is the CEO of Zebit, an online shopping site designed to help people facing financial hardships, get on track, make payments and get what they need. “We’re trying to provide sort of an Amazon for the under-served,” said Schneider. RELATED: San Diego Workforce teams up with UCSD Extension to offer student loan alternativeWhile growing up, Schneider and his family faced financial struggles of their own. “I’ve supported my mother since I was 15 years old. I grew up in a mobile home with a separated family. Ended up being homeless on food stamps,” said Schneider. Now, Schneider is a successful entrepreneur, with Zebit hitting million in 2017, and million last year. “Zebit was built to change how consumers get access to credit, to give them a fair deal and have zero gotchas,” Schneider said. In order to make purchases on Zebit, you first need to create a profile which includes providing your current employment status and driver’s license. The company then uses that information to verify your employment and determine how much of a Zebit line you will receive. The Zebit line is similar to store credit or having a credit card, but without the interest rates and penalties and with the chance to make payments for purchases over a 6 to 12 month period of time. RELATED: Realtors expect busy spring for buyers and sellersFor example, a MacBook Air on Zebit may cost around ,273. The may break down to 8 upfront with 12 payments of a month. A five-piece dining set may cost around up front, with monthly payments around dollars.“We’ve heard stories like you save my Christmas, my daughter wouldn’t have had a birthday present if it wasn’t for you, I couldn’t get married because I didn’t have a way to finance an engagement ring,” said Schneider.Some of the items on Zebit can cost 5 to 10 percent more than some items on Amazon, however the company still stresses that their interest-free model and competitive prices makes it a great shopping experience that was designed with people who may not a lot of money, or struggle with credit card payments and interest rates. “I wanna build a big company that makes an impact on a consumer base, a consumer base that tends to be invisible that tends to be neglected and a consumer base that tends to really rip people off over time,” said Schneider. Schneider hopes his company will help others break their own cycle of debt. 2808

SAN DIEGO (KGTV) -- Tens of thousands of San Diego Gas & Electric customers in San Diego’s East County were without power Tuesday morning as strong Santa Ana winds continue to swirl in the region.As of 1 p.m., 10,982 customers were without service in communities including as Alpine, Campo, Julian, Ramona, and Valley Center. SDG&E said another 35,431 customers in areas including Chula Vista, El Cajon, Poway, and San Marcos could potentially have power turned off.LATEST PINPOINT WEATHER FORECASTCiting the region's Red Flag warning and the power shutoffs, the San Diego County Office of Education said schools in the following districts would be closed on Dec. 8:Alpine UnionValley Center-Pauma UnifiedWarner UnifiedMountain Empire Unified School District: schools will offer asynchronous learning, where students may work independently reading, watching pre-recorded lessons, or doing assignments, projects, or online activities (where power is available)SDG&E will open one resource center each in Descanso, Julian, Potrero, Ramona and Valley Center. Those centers will remain open until 10 p.m. and offer access to water, Wi-Fi, ice, snacks, phone and medical device charging, water trucks for livestock and up-to-date information on outages. All five centers also have a drive-thru option.For an updated list of communities affected by the Public Safety Power Shutoff or to find a resource center, visit sdge.com/public-safety-power-shutoff.Residents brace for high windsOn Monday, in Valley Center’s Hellhole Canyon, wind gusts reached 82 MPH, according to the National Weather Service.Some business owners across San Diego County prepared for the possibility of losing power.“If the café does lose power, we do have a generator at home, so we’d probably prioritize the business over the home,” said Anamaria Kent, who runs Cleveland Café in Alpine with her mother.“We don’t panic; we’ve been through a few power outages,” said Kent. “When we get any sort of notification that the power will go out, we do everything possible that we need with the power.”“Living where we live up here in the mountains, you’re kind of used to this stuff,” said Larry McNamer, who owns Major’s Diner in Pine Valley.McNamer lost power at his Pine Valley home around 5 p.m. Monday. The diner also lost power after just going through a round of shutoffs days ago.“Fortunately for us, we’re closed on Tuesdays and Wednesdays anyway, so this time it works out,” he said.Cal Fire officials continue to remind everyone that fire season is still here in San Diego County. Last week, the Willow Fire, fueled by Santa Ana Winds, destroyed one home in Rancho San Diego and damaged several more.On Dec. 7, three years ago, what started as a small fire just east of Bonsall, quickly grew and spread into the Lilac Fire, burning thousands of across and destroying more than 100 homes.“Is it something that we all have in the back of our minds? Yes. And we do everything and have done everything that we could possibly do to make sure that we’re ready and prepared,” said McNamer. 3075

SAN DIEGO (KGTV) — The City of San Diego will consider making a significant change to the way voting is done, best known as "ranked choice voting."It would allow voters to list up to four candidates in order of preference, rather than just cast a traditional ballot for one candidate."It's a very interesting system that hopefully decreases some of the negative campaigning that we ordinarily see," Councilmember Mark Kersey, who supports ranked choice, told 10News Friday.In the proposed version of ranked choice that San Diego is considering, the top four candidates in each primary race would advance to the general election, rather than the top two. In November, voters would then rank the candidates by preference. If one candidate has more than 50 percent of the vote on first count, that candidate would win. If no candidate reaches 50 percent, the last place finisher would be thrown out. That person's votes would then be reallocated according to the voters' second choice. The field would continue winnowing until a candidate tops 50 percent.UC San Diego political science professor Thad Kousser says ranked choice allows voters to feel like they are not wasting their vote on a long shot, and helps avoid the idea of voting for the lesser of two evils. "It allows voters to take a sincere vote without throwing away the weight that their vote would have," Kousser said.Kousser also says ranked choice helps keep races from getting as negative. "It could give candidates incentive to play nice with each other, to be less negative in their advertising beceause they would love to be second place on every voter's dance card," he added.Kersey says the City Council will consider placing ranked choice on the November ballot, with the goal of making the change in 2022. If the council elects not to put ranked choice on the ballot, supporters say they will launch a signature drive to get the measure on the ballot that way.Other cities in California have already adopted ranked choice, including San Francisco, Oakland, and Palm Desert. The concept is also gaining steam elsewhere in the country, with Maine moving to ranked choice for statewide elections."There's a reason why people are looking at doing it this way," Kersey said. "I think it's just a better way." 2283

SAN DIEGO (KGTV) - The college admissions bribery scandal has parents and students outraged at the possibility of elite access to America’s top universities that would bypass an increasingly competitive application process. The alleged bribes reflect the growing cost of ensuring students have their pick of higher education. As a teen advances through high school, the costs mount from college prep, tests, application fees, and social events associated with the milestone of graduation. For families in San Diego, where the median income for a family of four is ,400 according to the city's website, many of these options are not financially viable. Families who can afford the basic admissions costs and key senior year extras are looking at an investment of roughly ,300.10News broke down the expenses associated with college preparation through senior year to see what it takes to gain admission. COLLEGE PREP Preparing for college can start while children are in middle school and kick into high gear when students reach high school. Multiple companies offer college prep, including tutoring and full-service counseling. Prices can range from about ,000 into six figures for assistance through four years of high school. Kaplan offers a variety of options including tutoring starting at 99 and live online learning with an expert for 9 (at time of publication). The Princeton Review’s website indicates its ‘most popular’ choice for students is a course called SAT 1400+ for about ,400. Students will earn a score about 1400 in two months, the website indicates. Parents who choose to invest in these programs can look for discounts on company websites depending on the time of year. A free alternative is Khan Academy, a nonprofit which offers videos, study drills, and a personalized learning dashboard across a variety of subjects. TESTINGThe testing process opens sophomore year when students are allowed to take the PSAT. There are two different tests in spring and fall which cost students if the schools don’t pay. The test is used by the National Merit Scholarship program to find eligible students. Those who earn high scores receive recognition on college applications and possibly, scholarships. High school seniors are usually required to complete the SAT to be considered for admission to college. Each test costs .50, and the test with the essay is .50. Fee waivers are available for low-income students. There is no limit to the number of times seniors can take the test, but only the most recent six scores stay on file. High scores are a top priority for college admissions counselors. The ACT, which many universities do not require, has a fee of .50 with the Writing section and .50 without Writing. APPLICATION FEESA senior who wants a wide range of options for universities may wish to apply to multiple schools, which means more application fees and a more significant financial burden on families. Although many universities offer fee waivers, they are usually limited to low-income students. The University of California had an application fee of per campus for the 2018-2019 school year, making the popular choices of UC San Diego, Berkeley, UCLA, and UC Santa Barbara a significant investment. California State University allows students to submit one application for its colleges, with a fee for each college. The University of San Diego also had a fee. While public universities may seem expensive, private schools may cost more. According to U.S. News and World Report, Stanford University had the highest application fee in the nation at . SENIOR YEAR COSTSBefore your student makes a decision, he or she might want to travel to campus. Day trips can be inexpensive but visiting colleges far from home can involve flights, hotel rooms, and a bigger food budget. After the admissions pour in, parents can expect to pay a retainer to secure a student’s spot at the college of their choice. That can be hundreds of dollars, in the case of SDSU. Other senior year expenses can include a cap and gown () and a yearbook (up to 0). Prom can be a financial burden with the average cost at about 0, according to Money.com. That trip to Disneyland for Grad Nite is also pricey. Tickets start at and don’t include food, transportation, hotels, and souvenirs. 4350

SAN DIEGO (KGTV) - The final touches are going into Petco Park before Thursday's highly-anticipated opening day. But just a few blocks away from the stadium are the many faces of San Diego’s homeless crisis, where several resources and services are located. Homeless advocate Michael McConnell spends many early mornings on the streets of downtown, documenting police interactions with the homeless population. Since the Hepatitis A outbreak he’s seen the number of encampments go down, but say he's frustrated over the city’s response to fixing the problem. “I’m most frustrated that there's not a strategy that's solutions-focused, long term thinking about actually reducing homelessness versus reducing the visibility of homelessness," said McConnell. On Wednesday morning, one day before Padres Opening Day, McConnell captured several interactions with police and the homeless around Petco Park and East Village. He believes the enforcement is the city trying to push homeless people away from the stadium before thousands of people descend on downtown. “When we have to send out massive amounts of law enforcement to clear an area, to make things appear better, versus them actually being better, we know we failed," said McConnell.10News also spoke with several security guards in the area who say they witnessed more enforcement than usual. However, San Diego Police says the enforcement around East Village is unrelated to Opening Day and that no additional officers were sent to the area Wednesday morning. They say officers are in this area every day as it's one of their busiest sectors in the city. A representative tells 10News they respond to daily complaints from business and residents to address ongoing problems, including encampments, drug use, and other criminal activity.Since last summer they've responded to 5,000 of these complaints through the Get It Done app alone.The department says during each contact they always offer help to individuals. If assistance is denied they have a progressive enforcement model which begins with warnings. But McConnell says based on what he's witnessed day in and day out, he's not satisfied with this answer.“What we’ve done is we’ve moved a lot of people around, we don’t let encampments build up again, but the folks are still there, they haven’t disappeared," said McConnell. 10News reached out to the Mayor's Office and received this response: 2415