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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

The Bakersfield Police Department booked an Inglewood man Sunday night for murder and sexual assault charges in the case of a missing 13-year-old girl from Bakersfield.Further investigation led police to detain 24-year-old Armando Cruz of Inglewood, California for his involvement in the disappearance of Patricia Alatorre, who went missing July 1 at 11:30 p.m.The 13-year-old girl went missing in the area of Hosking Ave. and Wible Road, and according to police, Cruz is the owner of a white, older model pick-up last seen leaving the area at the same time and location Alatorre was last seen.BPD Detectives located and seized the vehicle and detained Cruz for further questioning in his involvement in Alatorre's disappearance.Cruz, was then arrested, just hours after being detained.Cruz faces 18 felonies and one misdemeanor. The charges include first-degree murder and sexual assault. This is a developing story. We will continue to update it as we learn more details. 981

TAMPA — Wearing masks is one of the most important ways to prevent the spread of COVID-19 — and health experts say everyone should continue to care for their face coverings to ensure protection when in public.After wearing a mask for a few months, doctors say there are some clear, tell-tale signs that it is no longer working correctly."When the edges start to fray or if the pieces where they connect start to fall apart, or if they are visibly soiled, then you should really get a new mask," said Dr. Tracey Taylor, the associate dean of USF College of Nursing.Experts also say that if a mask no longer fits over the nose or doesn't have a close fit around the face or chin, it's time to get a new one."It's super important to make sure your mask is fitting appropriately, that it's not visibly soiled, that the edges aren't frayed and that the attachments to the ear loops or tie backs — whatever type you're wearing — is appropriately attached," Taylor said.For those who own cloth masks, experts say owners need to remember to wash them. Experts say washing cloth mask with detergent or soap is best and that they don't need to be washed with super hot water. Those who own cloth masks with filters should remove the filter and clean it separately.However, there's another option."You can put them in a paper bag and seal it up for a couple of days. That'll inactivate any virus that's on it," said Dr. Marissa Levine, a professor of public health practice at USF.After several months, experts say they have more information about which masks are effective in preventing the spread of COVID-19.Cloth masks are most effective when they have at least three layers of material or a spot to add a filter. They're typically the easiest for the general public to use because they're reusable, and doctors say the research shows they mostly prevent the spread of the virus.Although any face covering is better than none, some aren't as effective in preventing the spread of COVID-19.Experts say bandanas are very thin and don't offer the same type of protection as a mask.Doctors say any mask with a valve on it is completely ineffective because the valve allows virus-carrying particles to leak out.Popular neck gaiters that wearers can easily pull up and down don't provide a lot of protection for the wearer or those around them."If you find yourself with a single layer, you could use something like a paper towel inside there to add an extra layer if you need to," Levine said.Experts advise keeping two masks on hand in case one gets lost or breaks."There's no one thing that we do that will protect us to the highest level. It's a series of things," Levine said.This story was originally published by Larissa Scott on WFTS in Tampa, Florida. 2755

The Arctic is experiencing a multi-year stretch of unparalleled warmth "that is unlike any period on record," according to the 2018 Arctic Report Card, a peer-reviewed report released Tuesday morning from the National Oceanic and Atmospheric Administration, an agency within the United States Department of Commerce.The report states that human-caused climate change is transforming the Arctic, both physically through the reduction of sea ice, and biologically through reductions in wildlife populations and introduction of marine toxins and algae.The report is yet another study from part of the US government indicating that climate change is real and having a profound impact, despite denials from the President and senior members of his Administration.Temperatures in the Arctic are warming more than twice as fast as the overall planet's average temperature, with temperatures this year in the highest latitudes (above 60 degrees north) coming in 1.7 degrees Celsius (3.1 degrees Fahrenheit) above the 1981-2010 average. These were the second warmest (behind 2016) air temperatures ever recorded during the Arctic year, which runs from October through September to avoid splitting the winter season.The five years since 2014 have been warmer than any other years in the historical record, which goes back to 1900. Although Arctic temperatures have been subject to wild swings back and forth through the decades due to natural variability, they have been consistently warmer than average since 2000 and at or near record since 2014, the report states."The changes we are witnessing in the Arctic are sufficiently rapid that they cannot be explained without considering our impacts on the chemistry of the atmosphere," Thomas Mote, a research scientist at the University of Georgia who authored part of the report, told CNN in an email.Mote expressed than any natural cycle or mechanism that would lead to the amount of warming and ice loss that has been observed would take much longer than the few years over which we have seen these drastic changes. 2074

The American Bald Eagle, a federally protected bird once considered endangered, is facing a new threat.Conservationists say the birds are being poisoned, and the number of cases are rising — and some worry the problem will not slow down.Last year, the U.S. Department of Interior lifted a ban on hunting with lead bullets on wildlife refuges. However, it's still illegal to use lead ammo to hunt waterfowl.Many hunters say they use lead ammunition because it is heavier than steel or copper, meaning the bullet reaches the target more accurately. Lead ammo is also cheaper than steel or copper.Betsy Finch is the manager of the Fontenelle Forest Raptor Recovery, which holds dozens of birds of all kinds that need help until they are well enough to be freed or put to rest. She can easily tell when an eagle has lead poisoning."Inability to stand, convulsions, head tremors, difficulty breathing, gastrointestinal distress — because lead paralyzes the gut, so they can't digest food, dehydration," Finch said.The start of 2018 has been hard for Finch, putting her time and energy into sometimes a losing effort."Because there are others that need our help," she said.While she hopes hunters will think twice before firing off their rifles with lead bullets, she doesn't blame all hunters for the rising amounts of lead poisoning. Finch says it's often the hunter who are are the ones who find the sick eagles and bring them to the recovery center. 1490

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