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INDIANAPOLIS — If you're one of the millions of people struggling to pay back your student loans, you know there's no easy solution. At least, not by yourself. But a crowdfunding app called Givling has pulled together hundreds of thousands of people across the country. Their ultimate goal? To be able to pay off a student loan every single day. While they aren't quite there yet, Givling has grown significantly over the past year, and they've given out more than .5 million in loan and mortgage help to people across the country. One person Givling has helped is Indiana University graduate Erin Smith, who says one big win on the app enabled her to put a down payment on a home for her and her little girl. "I first heard about Givling on the news, when one of the first loan payoffs was a guy in Indy a couple of years ago," Smith said. That Hoosier winner she is referring to is Jordan Shelton. He won ,407 in July 2017 to pay off his student loans. Shelton was just the second person to have his loans paid off by the crowdfunding app, which has now funded more than 35 loans and paid out thousands of dollars in trivia and random prizes."I downloaded it and began playing, participating at that time," Smith said. "My main goal was to get into the funding spot someday. I have a decent amount of student loan debt, that seems a bit overwhelming."And that's still a goal for Smith, but while she works her way up the queue toward the winner's circle, playing Givling proved to be more than just a chance at student loan relief — it helped her start her new life with her 3-year-old daughter. "I never thought of winning via trivia because I wasn't very good," Smith said. "I watched as Givling was growing, gaining more momentum, then started telling everyone who would listen about it. Most people wrote me off or called it a scam, but I got a few people to sign up. In October of last year, I was at work telling people about Givling and playing my free plays on my break. That's when I noticed I was on a team with high scores. My score was only 360, and the other two players each had a score of 10,250. That put us in first place for that week's trivia."That score was enough to win Smith and her two randomly paired trivia teammates a cool ,391 each. With the money she won from playing trivia on Givling, Smith was able to close on her first home last month. "I received a check a few weeks later," the mother said. "At the time I had been saving up for a down payment to buy a house," Smith said. I'm a single mom ... My No. 1 goal was to get us a home of our own. The money I won went toward that goal."I still play daily and still have hope of getting into the funding spot or random draw to have my student loans paid off. I love Givling and love what they do."Smith isn't alone, Hoosiers from Avon, Indianapolis, Frankfort, Lafayette and South Bend are just some of the thousands of winners who have won cash prizes and paid off all or some of their student loans by playing trivia on their phone. Givling has paid out more than .5 million to users since it started in 2015. The app isn't like most online games with big prizes. Each player gets two free games per day. Users have the option to purchase "coins" to play extra trivia games, but you don't need to buy anything to win. "I started playing Givling about a year and a half ago," Purdue University graduate Amanda Jeffries said. "I saw a few posts on Facebook from an old high school classmate and looked into it and decided to join. I didn't play a lot at the beginning, but then I started to play daily."For each ,000 loan that's paid off, Givling also chooses two random winners who each get ,000. That money can either go toward your student loans or your mortgage. Jeffries isn't at the top of the queue to get her loan funded and she didn't win at trivia, but she did win that ,000 just for being a Givling member and playing her free plays each day. She found out she had won after receiving a surprise phone call. "I was very excited to get the call," Jeffries said. "I ignored the first call since I didn't know the number and I was at work. They called right back, so I answered that time."Jeffries chose to put that ,000 toward her student loan debt, which she says is a lot more manageable and a lot less daunting now, thanks to Givling. "It helped bring my loan balance to just over ,000. So obviously, not having to worry much about that loan is wonderful," Jeffries said. "We're going to pay the rest of mine off quickly, then focus on my husband's loans."That's the premise of Givling; the startup has dedicated itself to stamping out student loan debt one student at a time. Givling is funded through partnerships, ads, games and "coin" purchases made by members. Those coins can be used to play more than the two free trivia games you get each day. The app has nearly 400,000 registered users, which may seem a little daunting if you're just jumping in. But Seth Beard, chief marketing officer for the company, says the queue is only one part of what they do. "We encourage new users to focus on the big weekly trivia cash prizes as well as the ,000 random drawing," Beard said. "The queue is not a sprint, rather a marathon, and will take time to climb. While the trivia cash prizes and random drawings are more frequent and someone who joins today can, essentially, take advantage of those right away."Just this week, Givling awarded more than ,000 in trivia prizes, completed funding on a ,000 student loan and awarded a ,000 prize for the random drawing. "As we continue to grow, we'll expand the prizes. There will be more frequent random ,000 drawings, and we may have two or three trivia cash payout periods through the week instead of just one. Therefore, more prizes for new users," Beard said. "Plus, the past two weeks have had trivia winners with a score of just 10 points, or one question right. You never know how the computer will pair the team since it's all random."For more information visit the 6092

In news that is both a little scary and gross, US Foods, an Alabama-based food distributor, has announced a voluntary recall of around 712 pounds of fresh and frozen raw beef and pork over the possibility that the products may be contaminated with human blood. It is suspected that an employee at the facility may have cut himself during the production of these items.While it can never hurt to check the food in your 430

In a sea of young people fighting for their future, there's a 13-year-old girl named Haven Coleman.In many ways, she's just like any other teenager, but she's also the co-founder of a national organization called U.S. Youth Climate Strike. She spends every Friday striking outside the Colorado State Capitol.“So the story... involves sloths," Haven says.Inspired several years ago to save the sloths she deeply loves, Haven decided to become a climate activist."I was trying to do everything and anything, and I'm still doing that to stop climate change because this is something that's so like... big, so terrifying, and that's gonna be following me and my generation," she explains. "And it has been for our whole lives."Growing up during a time when climate change is a common topic, Haven wasn't shocked when she found out carbon dioxide has now reached a level in the atmosphere that hasn't been seen for three million years. On May 11, sensors at the Mauna Loa Observatory in Hawaii measured concentrations of the greenhouse gas to be at 415 parts per million. That means for every 1 million molecules of gas in the atmosphere, 415 were carbon dioxide. Compare that to 315 ppm 60 years ago, and 280 at the start of the industrial revolution. Without human interference, carbon in fossil fuels would leak slowly into the atmosphere through volcanic activity over millions of years. That's how the Earth has had these levels before. But a process that is normally very slow has been accelerated by the burning of coal, oil, and natural gas."Those greenhouse gases, that carbon pollution that we're putting into the atmosphere, much of that is going to stay there for a very long period of time and affect our climate for decades to come," Tony Dutzik said.Tony Dutzik with Environment America says what's most concerning about this data, is that human beings have never lived in a climate as hot as the one that existed three million years ago. Sea levels were approximately 50 feet higher than where they are today.According to Scripps Institution of Oceanography, vegetation records from that era called Pliocene show forests growing in the Canadian arctic, and savannas covering what is now known as the north African desert. The impacts of a changing climate are already evident in the United States."We're beginning to see supercharged storms -- storms that are gaining energy from our warmer oceans -- that are dumping immense amounts of rainfall. Storms like Hurricane Harvey, and Hurricane Florence in just the last few years," Dutzik says. "Sea level is rising at about a tenth of an inch per year, and that rate of rise is accelerating, and so cities like Boston and Miami increasingly have to deal with coastal flooding. And in places in the west, we're seeing larger more intense wildfires that burn hotter and are harder to control."As catastrophic as these events may seem, Dutzik says change is possible if everyone plays a part."Every day we have the opportunity when we're making energy efficiency upgrades to our homes, when we're purchasing our next car, when we're choosing where to live -- whether we live some place that's close to the places that we need to be or far away," Dutzik says.However, Dutzik notes a majority of change necessary to alter the course the earth's current projections will take a lot of political power. Power that young people like Haven are strongly pushing for."I hope that we fix this," Haven says. "We have 11 years...because 11 years is the only time we've got to fix the worst effects of climate change."Many U.S. students are pushing for 100 percent renewable energy by 2030 and want to stop any new construction on fossil fuel infrastructure, including pipelines, coal plants, and fracking facilities. *******************If you'd like to contact the journalist of this story, email elizabeth.ruiz@scripps.com 3880

Iranian state TV, citing a military statement, says the country ‘unintentionally’ shot down a Ukrainian jetliner, killing all 176 aboard. The statement came Saturday morning. It blames “human error” for the shootdown.Originally, Iran claimed that the crash was due to a mechanical error. But intelligence from the U.S. and Canada coupled with video of the incident suggested that the plane was brought down. Wednesday's incident came mere hours after Iran fired missiles on two Iraqi bases that house US troops. 524

Jay-Z once rapped "I'm not a businessman, I'm a business, man." Turns out he was right.The superstar rapper is also a fashion trendsetter, a streaming music mogul, a sports management company owner and Mr. Beyonce Knowles.All that has helped him to become the first billionaire rapper, according to 311

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