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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

TALLAHASSEE, Fla. — The Florida Department of Law Enforcement has released the body camera video from the search executed at the Tallahassee home of fired Florida COVID-19 data curator Rebekah Jones.The footage was publicly released Thursday afternoon after Jones shared her own clip of the search on social media on Monday. Jones helped create Florida's COVID-19 dashboard before being terminated for insubordination in May."The actions of FDLE agents have been vilified over the past few days regarding the legal search warrant executed at the residence of Ms. Rebekah Jones. Because of inaccurate and incomplete statements given by certain individuals, the body camera video taken from outside the home is being made available," FDLE wrote in their statement.According to FDLE, the body camera video starts at 8:25 a.m., when a Tallahassee Police Department officer and an FDLE agent walk up to the door. At 8:26 a.m., FDLE said they began ringing the doorbell and knocking on the door. "During the initial approach, agents tried to minimize disruption to the children, attempting to speak with Ms. Jones at the door to explain the search warrant," FDLE wrote.Around 8:31 a.m., agents went to the back of the house and saw Jones’ husband going upstairs. They said that the situation continued for 23 minutes as Jones refused to cooperate even as agents called her multiple times.When they went inside the home, agents saw a video camera pointed in the direction of the front door, which seemed to be recording the entire time the agents were inside the home.Jones' video was not seized during the search warrant. Neither were electronic devices belonging to Jones’ children and husband after being "forensically examined."“I am proud of the way these FDLE agents performed. I can only hope those same individuals who criticized these public safety heroes will now apologize and condemn the actions of Ms. Jones," FDLE Commissioner Swearingen stated. "The media should also demand Ms. Jones release the entirety of the video she recorded while agents were present in her home.”To watch the first part of the video, click here: https://vimeo.com/489556079.To watch the second part of the video, click here: https://vimeo.com/489554493.This story originally reported on WTXL.com. 2288

TAMPA, Fla. — A Florida mother has filed a wrongful death lawsuit against a Tampa gas station after she claims the station's market sold her son "defective capsules" of kratom, which led to his death.Laura Lamon filed the wrongful death lawsuit filed against Sligh Petrol Mart operated by Anjiya C- Store Inc., on May 18 for selling her 27-year-old son Christopher Waldron the herbal supplement capsules.Lamon is suing Sligh Petrol Mart for negligence. Count three of the filing claims that Slight Petrol Mart displayed “the capsules next to over-the-counter oral medications and selling the capsules as a product taken orally when the capsules were not safe to orally ingest.” The lawsuit LAO alleges that “Sligh Petrol Mart failed to provide its customers, including Mr. Waldron with any reasonable warnings or instructions or with the capsules. The failure to provide a reasonable warning or instructions made the capsules unreasonably dangerous.”Waldron died on July 7, 2017 from what the Hillsborough County Medical Examiner’s Office autopsy report says was “intoxication by Mitragynine (kratom)."The toxicology report shows that Waldron’s levels for Mitragynine were 1.8 mg/L — levels that are considered extremely high.According to Associated Medical Examiner Leszek Chrostowsk, if Waldron didn't take kratom, he'd be alive today.Lamon said her son struggled with an addiction to prescription painkillers for more than a decade. When she got the phone call from Tampa Police that her son might have died from an overdose; she assumed it was from a prescription painkiller.“I was shocked, I thought it would for sure be opiates, for sure. I had no idea about this,” Lamon said.  According to Lamon, the capsules Waldron took before he died were labeled "Optimized Plant Meditated Solutions (O.P.M.S.) Gold." The front of the packet identifies the supplement as Mitragyna Speciosa Botanical Extract. The back of the package says the product contains Mitragyna Speciosa Leaf Extract and that it contains 60mg of Mitragynine.There are no instructions on the packet, just a warning that claims the pills are “only for use as a botanical specimen. Manufacturer of this product takes no responsibility for the misuse of this product.” The packet also contains a link to O.P.M.S. website for another disclaimer."If it were properly labeled than he would've had a chance, you know, to say OK I shouldn’t take this amount,” Lamon said. “Again, I don't know how much he took, but it was enough to kill him.” 2611

Stores across the country are starting to advertise and display back-to-school sales. From electronics to clothes, the National Retail Federation is tracking buying trends as the new school year approaches."Parents may not know how their children are attending classes, whether it’s in-person or online, a mix, and that is certainly reflected in how people are shopping right now. So, when we did our study in early July most consumers did not know what they needed to buy yet," said Katherine Cullen, the Senior Director for Industry and Consumer Insights at the National Retail Federation. She says there's a lot of uncertainty surrounding the upcoming school year and most consumers are hesitant to buy back to school supplies right now, but many already have plans to spend more."For grade school and high school shoppers it is over 0 on average which is about 0 more than last year. So, some of that is definitely being driven by this current environment and it's shaping how people are planning to buy right now," said Cullen. Cullen says consumers will likely spend more than last year on school supplies and just as much on new clothes. She said there are some things kids need no matter where they learn. "Kids keep growing even if they're not going to school in person, they will likely still need some new items."But the big ticket items families will be spending money on is electronics. "We are certainly seeing that many families, over half, are expecting there will be at least some online learning component and as a result they're planning to make some extra purchases around that: laptops, computers, head phones and speakers are a big component of that," said Cullen.The National Retail Federation says grade school and high school shoppers plan to spend more on average on electronics. Amy Cunningham, a parent in South Carolina, says her family decided to purchase two laptops to help their children with online remote learning this fall. This past spring, the children shared their parents' computers. "Having to juggle the kids’ distance learning with what we were doing was hard so we knew if we were going to do it this year, which was our plan, that we were going to need to get additional laptops," said Cunningham. Cunningham says she likely won't need many other school supplies and doesn't anticipate needing to buy new clothes for the school year."I’d probably get notebooks and stuff like that just because we don’t have a lot of that sitting around. Clothes, no. They live in their play clothes at home now so there’s no point really," says Cunningham.As for how parents will be back-to-school shopping this year, for many, gone are the days of traditional in-store browsing. The National Retail Federation says 40% of families will only be back-to-school shopping online. 2827

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