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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 — or if your salary falls below a certain threshold, which can be as low as ,000 or as high as ,000 — 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

Ten years ago, in downtown Chicago, the humble beginnings of a love story began to flourish in one of the city’s most acclaimed high-end restaurants, Alinea.One of the kitchen’s chefs, Matt Chasseur, had taken a liking to one of the dining room’s hostesses, Ashley Fees, and before long, the two had started dating.In 2018, the couple got married. Then, they had a child.Then a second.Then a third.Life plans started changing, and the family of five moved from their Chicago apartment to a home in the middle of the mountains in Colorado.Matt started working on a ranch, preparing meals for visitors who would come to enjoy the vast landscapes and mountains of the state’s western slope.All of this--the moving, malleability, open communication--has helped the couple tackle their partnership’s biggest challenge yet: COVID-19.During the summer of 2019, the two bought a small space on Palisade, Colorado’s Main Street, and they turned it into a fine dining experience the town of 2,700 had never seen before.Matt says most people who first came in had no idea the new restaurant, Peche, had replaced the old one that used to be there as the couple tried to establish a customer base.Then, in March, like so many other businesses across the country, Peche had to close its indoor dining because of COVID.Employees were let go, vendors were cut, and the couple had to find out how to keep their new venture running.They applied for a PPP loan and were approved, but things were still a struggle until the duo started drawing from their past experiences as a way to help come up with solutions.At Matt’s previous restaurant, The Ranch, single meals were prepared for large groups, so instead of offering a wide range of options each night for takeout or delivery at Peche, the Chasseur’s decided to cook only one meal and make it absolutely delicious, as well as nutritious.“Your [body] is going to fight a very hard fight,” said Matt. “That was one thing that was very important to us: making sure that we were producing food that was not only delicious but helps boost your immune system.”Employees were also willing to help out in any capacity they could. At Alinea, Matt and Ashley were accustomed to a high-energy experience full of top-flight chefs who enacted strict parameters. It helped get the restaurant the acclaimed success it enjoys today, but Matt and Ashley also noticed it burnt-out employees, which is why they gave their employees at Peche more freedom to enjoy their lives outside the kitchen.In turn, the couple has seen loyalty from its crew.“In Chicago, you were in a kitchen with 25 other cooks and everyone had specific tasks,” said Matt. “You walk into this [current] environment and you’re like, ‘I don’t know how all this will get done,’ and then you look around and everyone is willing to jump in and dive in.”The moves have allowed Matt and Ashley to consolidate staff, cut costs, and try to give back in any way their restaurant can.“We’re going to take our best shot at this,” said Matt. “Everyone has invested so much in us so we’re making sure we’re investing in them as well.” 3117

TAMPA, Fla. — Several areas of Tampa Bay are assessing the damage left behind from a squall of storms that produced tornadoes on both sides of Tampa Bay.At least three tornado warnings were issued by the National Weather Service on Wednesday in Pinellas, Hillsborough and Polk Counties.The NWS believes there were tornadoes in Pinellas Park, along the Howard Frankland Bridge and near Kathleen.The National Weather Service said at 4:08 p.m., a “confirmed large and extremely dangerous tornado” was located over the Howard Frankland Bridge, southwest of Tampa. It was moving northeast at 35 mph.Pinellas Park Police say at least 25 structures were damaged by the storm. The storm also left thousands of customers without power.There are 2,410 Duke customers without energy due to severe weatherThis article was written by Lisette Lopez for WFTS. 852

Support is growing for early voting, but there's still a lot of distrust for voting by mail.Just over 3 in 10 people say they're very confident their vote will be counted accurately if they vote by mail. Nearly 7 in 10 say the same thing about voting in person on Election Day. That's according to a new poll from the University of Maryland and The Washington Post.There's a big racial disparity in perceptions about election integrity. About 71% of Black Americans in the poll say it’s easier for white Americans to vote, while only 34% of white Americans believe that's the case.“There's a historic trend of distrust in government amongst racial and ethnic minorities,” said Jonathan Collins, education and political science assistant professor at Brown University. “And instances like this during the need to transition to mail-in voting. This is where that distrust really kind of rears its head.Collins studies ethnic minority political behavior. He says campaigns from state attorneys would be helpful to reassure people their mail-in ballots will be counted properly.The U.S. Postal Service is trying to educate people on its role in the mail-in voting process with TV ads. It says the nonpartisan campaign neither encourages nor discourages mail-in voting. Collins expects a lot of African Americans are still going to prefer in-person voting.“There is this sense of pride that you get from showing up to your precinct, to your polling station on Election Day and in-person casing your vote. There's a pride of wearing the 'I voted' sticker around for your friends and our family and your coworkers to see. How do we replicate that feeling of pride?”About 6 in 10 registered voters nationwide say they want to cast their ballot before Election Day. Compare that to 2016, when about 4 in 10 people cast ballots early.For mail-in voters worried about their vote not counting, many states allow residents to track their ballot. NBC News reports that all states allow this, except for the following: Connecticut, Hawaii, Illinois, Indiana, Maine, Mississippi, Missouri, New Mexico, and New York.Also, many states allow mail-in voters to submit their ballots at designation drop-off boxes, if they don't want to trust the USPS.Click here for tips from the USPS on voting by mail. 2290

Statsministeriet indkalder til pressem?de i dag kl. 16.00 om situationen med mink i forbindelse med COVID-19. Pressem?det finder sted i Eigtveds Pakhus. #dkpol pic.twitter.com/ssYpDZV52B— Regeringen (@regeringDK) November 4, 2020 237