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Student loan debt has surpassed trillion. It's expensive to go to school, and loans help many afford higher-education but not all that money may be going toward tuition and books.A survey found that one in five college students are using some of their leftover loan money to dip their toes into virtual currencies like Bitcoin.The mere mention of cryptocurrency is enough to make Loyola University Maryland Assistant Accounting Professor JP Krahel cringe.“Oh, oh boy,” said Krahel with the Sellinger School of Business.Even worse, students are buying into it and they're using student loan money to do so.The allowance meant for living expenses is instead being invested into Bitcoin and Ethereum. The Student Loan Report found that's how 21 percent of current college students are using their excess financial aid money.“Given the unregulated market of cryptocurrency, given what we've already seen, proven volatility, and given the fact that student loan debt is something you can't get rid of in bankruptcy, I personally, without getting too hyperbolic here, I would not do that,” Krahel said.A warning from someone who knows money, but even his wisdom is not enough to convince some of his own students.“They'll say, ‘Oh, did you see what bitcoin did yesterday, I made x dollars,’ I'm like, children, come on. Your interest rates and student loans that's what you should be worried about. If you have free money, send it back to Sallie Mae, you know, pay that debt off early because that stuff starts snowballing and paying off debt is a guaranteed return on investment,” said Krahel.And yet it's hard to shake the promise of investing in a market that's produced millionaires from relatively low investments just several years ago.“I don't want to knock cryptocurrencies, they do have a value, but people are getting into it because of that volatility, because you could have a thousand today and ,000 tomorrow,” said Krahel. “So, if you're willing to only see the upside, cryptocurrencies are great but that's not the way life works.”Bitcoin's value has sunk ,000 in the last month and plummeted from its peak in December at nearly ,000.However, with every slump there's also the possibility of a rally. These students could prove their professor wrong or learn a real-life lesson about loss and spending wisely.Krahel said you should be borrowing the least amount of money possible so you have less to pay off in the future.Students are graduating with an average of ,000 in student loan debt. 2541

The Big Ten and Pac-12 Conferences officially announced on Tuesday that they've postponed their upcoming 2020-21 college football season, which also includes all fall sports, due to the coronavirus pandemic.Both conferences are keeping the option of playing in the spring a possibility.Pac-12 said in a press release that when conditions improve, they'll consider a return to competition for impacted sports after January 1, 2021.“All of the Pac-12 presidents and chancellors understand the importance of this decision, and the disappointment it will create for our student-athletes, the coaches, support staff, and all of our fans,” said Michael H. Schill, president of the University of Oregon. “Ultimately, our decision was guided by science and a deep commitment to the health and welfare of student-athletes. We certainly hope that the Pac-12 will be able to return to competition in the New Year.”Pac-12 Commissioner Larry Scott said that playing in a bubble wouldn't work.“Unlike professional sports, college sports cannot operate in a bubble,” he said in the news release. “Our athletic programs are a part of broader campuses in communities where in many cases the prevalence of COVID-19 is significant. We will continue to monitor the situation and when conditions change we will be ready to explore all options to play the impacted sports in the new calendar year.”In a press release, the Big Ten conference said that multiple factors, which included advice and counsel of the Big Ten Task Force, contributed to them postponing fall sports.“The mental and physical health and welfare of our student-athletes have been at the center of every decision we have made regarding the ability to proceed forward,” said Big Ten Commissioner Kevin Warren in the statement. “As time progressed and after hours of discussion with our Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee, it became abundantly clear that there was too much uncertainty regarding potential medical risks to allow our student-athletes to compete this fall."The Big Ten Conference was the first major conference to cancel fall athletics.“We know how significant the student-athlete experience can be in shaping the future of talented young women and men who compete in the Big Ten Conference," said Warren in the statement. "Although that knowledge made this a painstaking decision, it did not make it difficult. While I know our decision today will be disappointing in many ways for our thousands of student-athletes and their families, I am heartened and inspired by their resilience, their insightful and discerning thoughts, and their participation through our conversations to this point. Everyone associated with the Big Ten Conference and its member institutions is committed to getting everyone back to competition as soon as it is safe to do so.”Along with football, the Big Ten said that men’s and women’s cross country, field hockey, men’s and women’s soccer, and women’s volleyball were also canceled.“Our primary responsibility is to make the best possible decisions in the interest of our students, faculty, and staff,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President.The Big Ten hopes to play football in the spring. 3325

Sunshine Mills, the maker of several brands of pet food, is recalling three of its puppy and dog food products, citing potentially high levels of vitamin D that could lead to "serious health issues," including kidney failure.The brands affected are Evolve, Sportsman's Pride and Triumph, the company said in a statement that is also posted on the US Food and Drug Administration's website."Vitamin D, when consumed at very high levels, can lead to serious health issues in dogs including renal dysfunction," the company said. Symptoms include vomiting, loss of appetite, increased thirst and urination, excessive drooling and weight loss. 646

The "We Got Next" poll worker recruitment effort -- a partnership of LDF and @morethanavote -- has reached a milestone, but there is more work to be done. Sign up to be a poll worker in your community today: https://t.co/rfVXJtDQLF pic.twitter.com/cCDCpKw5ad— Legal Defense Fund (@NAACP_LDF) September 30, 2020 318

Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567