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SAN DIEGO (KGTV) - Small businesses are the heart of San Diego's economy, but for those looking to start one, the process can feel overwhelming. It's a gap the nonprofit lender Accion has been working to fill for the last 25 years. "Sometimes thinking about getting a loan can be scary, and I think one of the things we really try to do through our process with our staff is really walk alongside that business owner," said Elizabeth Shott, CEO of Accion. Since they began in 1994, Accion has loaned million to roughly 3,100 small businesses."We're teaching them about their credit, about their finance, and their cash flow. So through the loan process they're getting a lot of one-on-one education from our staff team," said Shott.On Accion's website, you can apply for a loan as well as learn about free resources available in San Diego. Some free resources include:Legal clinics at universities San Diego Small Business Development CenterA patent attorney available once a month at the libraryFrancisco Moreno, owner of Tacos La Mezcla, is one of the many entrepreneurs who's received both a loan and guidance from Accion. “I guess the unknown is really scary, financially it can be really stressful," said Moreno. After Moreno successfully launched his food truck he was able to open a restaurant with help from Accion. Shott cautions businesses to be careful when getting any loan, being sure to ask questions and understand the terms and fees. Her staff often hears about predatory lenders online which can ultimately cost a business far more than they're able to afford. Their partner nonprofit CDC compiled this list to help entrepreneurs in thinking about the questions/info they should know prior to getting a loan. 1737

SAN DIEGO (KGTV) — San Diego's housing crunch could soon offer a very small but mighty option for renters.They would come in the form of what are called tiny homes — which can be up to 400 square feet.The homes are easier to manufacture and transport than so-called granny flats because they are built in a factory, as opposed to on-site. The homes can be as affordable as ,000 but as much as 0,000, depending on size and amenities.RELATED: San Diego's first tiny house village invites people to live with lessDozens will be on display at this weekend's Tinyfest at the Del Mar Fairgrounds.David Martinez once lived in a tiny home to save money.He now sells them for an El Cajon company called homes to go. On Friday, he was showing an 84-square-foot home, which had a bed, tiny stove, mini-fridge, storage space, a wall-mounted HD TV, and a full bathroom.RELATED: For rent: San Diego backyard shed listed for ,050 per month"You'd be surprised, you get used to it," Martinez said. "You find out there's rooms you don't need, and this gives you essentials." 1072

SAN DIEGO (KGTV) - Students are demanding Gov. Gavin Newsom sign a bill that would require high school students across California to take an ethnic studies class to graduate."My parents are both first-generation immigrants, they came from Hunan, which is where all the spicy food from China is from," Alvin Lee, 17, said chuckling.Lee is a first-generation American and as a high school senior, sees flaws in our education system."Christopher Columbus is the savior, right all these white figures are the saviors but they don't talk about what Asian Americans, African Americans, what Hispanic Americans and Native Americans did to build America," Lee said emphatically. "We don't learn about this lived history and I think it's very destructive. I think it almost erases some of our identity."Lee said it also leaves minorities feeling powerless. He is a co-founder of GENup, a youth organization committed to changing our nation's schools by giving students more of a voice in their education.That is why he supports AB 331."AB 331 would ease in eventual graduation requirement for high-schoolers in California that they take an ethnic studies course. Now it will be localized, it will be up to the school district and up to the individual schools about what that course looks like," Assemblywoman Lorena Gonzalez, D-80, said.Gonzalez said this gives each public and charter school the opportunity to tailor the class to their students. "When you have 70% of the population are Latino and probably about 90% of schoolchildren are Latino, Mexican immigrants, in particular Mexican American and Mexican immigrants. Well, it might make sense to teach about Mexican American history in California," said Gonzalez, who co-authored AB 331. She says she's been pushing to get the issue to the governor's desk for 18 years."Having that validation and being able to learn about the historical context of different race and ethnic roots in California is really essential and we think the outcomes will actually show that kids are going to be less likely to drop out, they're going to be more likely to graduate and they're going to do better in school," she said.Lee hopes the bill is passed and creates more empathy and compassion."I really want to see a much more inter-sectionalized community where we all really understand each other's cultures, histories, and identities much better," said Lee.Newsom has until Sept. 30 to sign or veto the bill. It was presented to him Monday. If the bill sits on his desk with no action, it will become a law once the deadline passes.If the bill passes, California high schools and charter schools must offer the class by the 2025-2026 school year.Gonzalez said schools can phase in curriculum sooner.This comes one month after a bill was passed requiring California State University undergraduates to take an ethnic studies course to graduate.Gonzalez said we need to integrate ethnic studies from day one of school. 2957

SAN DIEGO (KGTV) — San Diego's Maritime Museum is giving families the chance to spend the night on the seas — but stay in San Diego.The museum's "Family Overnight" program offers a stay aboard the Star of India, the oldest active sailing ship in the world. Families will embark on imaginary voyage learning about the lives and times of the India's passengers in the 19th century.Instructors will be in character and in costume, as they teach various ship-centric tasks like moving cargo and raising sails. Guests will also be able to see areas of the ship normally closed to the public and sleep on "tween decks" out of the elements.RELATED: Several San Diego museums offering free admission to military families“The Family Overnight program is an immersive unforgettable life-changing experience where together the children and their parents discover and share the same fascination and passion for learning about the history of the sea," Jacob Keeton, Director of Education for the Maritime Museum, said.The overnight experience will be hosted on Saturday, June 22, at 2:30 p.m. until Sunday, June 23 at 9 a.m. Tickets are per person ages 5 and up, and include meals and accommodations. For more information, visit the musuem's website here. 1294

SAN DIEGO (KGTV) — Some local colleges are shifting toward a new policy of getting rid of standardized test scores as an admissions requirement.The University of San Diego is one of 60 other colleges, including local Cal State and University of California campuses, now using the "test blind" policy amid a pandemic-altered high school experience and education.The SAT has been something on Laila Ellyse's mind for some time now. She says part of her concern recently has been COVID-19-related restrictions on testing group sizes."You've been hearing about it for such a long time you have to take the SAT, it's like this big bad test," Ellyse said. "The number of seats available at any given test site is now reduced because of social distancing and all of those kinds of things." Ellyse says she had to go all the way to Utah to take the test because there were no testing site options in California. Standardized testing has also become increasingly debate following the nationwide college admissions scandal, in which several parents were charged with paying to get their kids admitted to top tier colleges.That's part of the reason USD is now a test blind campus. While SAT or ACT scores can be admitted, they'll be ignored for admission. Instead, college officials will consider other factors including high school academic record and GPA, letters of recommendation, admission essays, extra-curricular involvement, work experiences, and family responsibilities.USD says it hopes the new policy will make the admissions process fair and equitable for all students and allow lower-income students who may face barriers to accessing testing an even playing field.The test blind policy may not be permanent though. UCSD is test-optional until 2022 and test blind until 2024. San Diego State and local CSU campuses are test blind for 2021 only at the moment. 1868