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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

Swishing with mouthwash can help freshen that mask breath, and, new research suggests, reduce the amount of coronavirus in the mouth and may help reduce the spread of the virus.Physicians and scientists at the Penn State College of Medicine studied the effect of rinsing with a neti pot, peroxide sore-mouth cleansers, mouthwashes and a 1 percent solution of baby shampoo, which is often used by head and neck doctors to rinse the sinuses. All of the products are currently available to consumers, many over-the-counter.They found several of the nasal and oral rinses had “a strong ability to neutralize human coronavirus, which suggests that these products may have the potential to reduce the amount of virus spread by people who are COVID-19 positive,” the college said in a written statement.Researchers used human coronaviruses that are similar to SARS-CoV-2, the coronavirus strain that causes COVID-19. The “outer envelopes of the human coronavirus tested and SARS-CoV-2 are genetically similar,” the researchers stated.“While we wait for a vaccine to be developed, methods to reduce transmission are needed,” said Craig Meyers, the professor who led the study. “The products we tested are readily available and often already part of people’s daily routines.”The study looked at the effectiveness of the various products when they interact with a solution containing a strain of human coronavirus at intervals of 30 seconds, one minute and two minutes.The 1 percent baby shampoo solution inactivated more than 99.9 percent of the human coronavirus after being in contact for two minutes. The mouthwash and gargle products were also 99.9 percent effective in inactivating the human coronavirus, but after only 30 seconds of contact.The findings from Penn State College of Medicine add to findings earlier this year that showed certain types of oral rinses could inactivate SARS-CoV-2.Meyers said the next step in this line of research is to evaluate products like mouthwashes in COVID-19 positive patients to see if they reduce the viral load.The study’s results were published this week in the Journal of Medical Virology. 2137

TERRE HAUTE, Ind. (AP) — The United States has carried out its second federal execution this week, killing by lethal injection a Kansas man whose lawyers contended he had dementia. Wesley Ira Purkey was put to death Thursday at a prison in Terre Haute, Indiana. Purkey was convicted of kidnapping and killing a girl in Missouri and dismembering her body. He expressed remorse before his execution, saying he regretted the “pain and suffering” he caused. The victim's father says he hopes Purkey “rots in hell.” The Supreme Court cleared the way for Purkey's execution to take place just hours before. Another man, Daniel Lewis Lee, was put to death Tuesday, ending a 17-year hiatus on federal executions. Lee's execution went forward after its own late-night Supreme Court ruling allowing it to happen. 811

The @PelicansNBA & @utahjazz kneel for the National Anthem ahead of the NBA restart. pic.twitter.com/TCFolP06HM— NBA on TNT (@NBAonTNT) July 30, 2020 161

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

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