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Texas Gov. Greg Abbott called for action on Friday in the wake of a deadly school shooting in Santa Fe, Texas."We need to do more than just pray for the victims and their families," said Abbott, a Republican, during a news conference in response to the shooting. "It's time in Texas that we take action to step up and make sure this tragedy is never repeated ever again in the history of the state of Texas."Abbott said he plans to convene "roundtable discussions" next week that will bring together lawmakers and community members with a wide array of perspectives.RELATED: Trump on Texas school shooting: 'This has been going on too long in our country'"Beginning immediately, I'm going to be working with members of the Texas Legislature but also members of our communities across the entire state of Texas, to begin with roundtable discussions beginning next week where we will assemble all stakeholders to begin to work immediately on swift solutions to prevent tragedies like this from ever happening again," Abbott said.The governor added he wants input from parents, students, teachers and gun rights supporters.Abbott suggested he hopes the discussions will lead to legislation: "We want to hear from everybody who has an interest in what has happened today, so we can work together on putting together laws that will protect Second Amendment rights but at the same time ensure that our communities and especially our schools are safer places."Lawmakers across the country condemned the shooting on Friday. President Donald Trump said in remarks from the White House that mass shootings have been "going on too long in our country."Ten people were killed in the shooting Friday morning at Santa Fe High School and another 10 were wounded, Abbott said during his news conference.The governor called it "the worst disaster ever to strike this community."The-CNN-Wire 1881

STOCKHOLM (AP) ¡ª Americans Harvey J. Alter and Charles M. Rice and British-born scientist Michael Houghton have won the 2020 Nobel Prize in medicine for their discovery of the hepatitis C virus.The World Health Organization estimates there are over 70 million cases of hepatitis worldwide and 400,000 deaths each year.The disease is chronic and a major cause of liver inflammation and cancer.The Nobel committee says, ¡°thanks to their discovery, highly sensitive blood tests for the virus are now available," a development that has greatly reduced the chances of getting hepatitis C through blood transfusions.The medicine prize carries particular significance this year due to the coronavirus pandemic, which has highlighted the importance of medical research. 769

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 ¡ª or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 ¡ª 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 American Bar Association will no longer review its "well qualified" rating of Justice Brett Kavanaugh now that the Senate confirmed him, an ABA official told CNN Monday.The official, who declined to speak on the record, cited an ABA policy of ending its rating process once a nominee is confirmed."Per the published policy and historical practice of the Standing Committee on the Federal Judiciary, once a justice or judge is confirmed, the Standing Committee's rating process is closed," the ABA's website states.The group had previously said that because of the allegations against Kavanaugh of sexual assault and conduct during his September 27 Senate Judiciary Committee hearing, it would reevaluate its rating. Kavanaugh has denied the allegations against him.The ABA's president had also taken the extraordinary step for the group by calling for the Judiciary Committee to delay its vote on Kavanaugh. 919

Swiss authorities are investigating a series of bizarre deposits.Investigators in Geneva are trying to understand why two Spanish women flushed roughly €100,000 (0,000) down toilets at a UBS bank branch and three nearby restaurants.Vincent Derouand of the Geneva Prosecutors' Office said the first incident involving cut-up €500 bills occurred in May.Security camera footage led investigators to the two Spanish women. Derouand said that a lawyer for the women confirmed the cash belonged to them."It may be illegal [cash] and they tried to get rid of it," Derouand said. "We have to check where the money is coming from."Derouand declined to identify the women."This is a strange story," he said. "It does not happen often."UBS declined to comment on the cash found at the Geneva branch, citing the ongoing investigation.The European Central Bank plans to kill off the €500 note next year because of concerns that it "could facilitate illicit activities."Europe's top law enforcement agency says the note (worth about 0) is often used by money launderers because of its unusually large denomination and portability. Plus, using cash helps criminals keep transactions and savings anonymous.In a 2015 report, Europol said cash was still the "instrument of choice" for terrorists and €500 bills were in high demand.Switzerland was long known for banking privacy laws that made it possible for banks to refuse to hand over their customers' data to authorities.But in recent years the country has agreed to start sharing financial information with outsiders, including the European Union and the U.S. 1610

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