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Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346

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

SUFFOLK COUNTY, N.Y. -- Dozens of people tested positive for the coronavirus and hundreds were quarantined after an outbreak in Suffolk County, New York, linked to a sweet 16 party, County Executive Steve Bellone said Tuesday.The party took place at the Miller Place Inn on Sept. 25, with a guest list of 81 people.The Miller Place Inn was fined ,000 for violating state executive orders and health laws, and ,000 for violating county rules.Several positive COVID-19 cases in the Sachem School District were reported to the county on Sept. 30, and during the course of their investigation, the county discovered that the cases were connected to the sweet 16 party.Following a contact tracing investigation, the county identified 37 positive cases connected to the party; 270 people were told to quarantine.It's the first time a businesses was fined by the Suffolk County Health Department over COVID-19-related violations.Bellone said that for the county, this qualifies as a super spreader event.“This was an egregious violation and should serve as a stark reminder of the consequences that exist for flouting COVID-19 protocols,” said Bellone. “These rules and regulations exist for a reason - to keep New Yorkers safe - and we all have an obligation to act responsibly.”This story was originally published by Corey Crockett at WPIX. 1348

TAMPA, Fla. — It's often called the most wonderful time of the year. With Christmas just 10 days away, public health experts are urging families to be cautious around the holiday to help prevent the spread of COVID-19.“If people interpret the vaccine being here as an opportunity to lower their guard, then, unfortunately, we’re going to see more sorrow and death, and those are all preventable,” said USF Health professor Dr. Marissa Levine.Since the Thanksgiving holiday, we’ve recently seen an upward trend in COVID-19 cases in the Tampa Bay area. Dr. Levine points to an increase in hospitalizations, too, though not as steep of an increase as what we saw this summer.“This is happening with Christmas and New Year’s just around the corner, so all bets are off in terms of what happens after that,” said Levine. “That will really depend on what we do between now and the beginning of January.”The CDC says celebrating the holiday virtually or with people you live with poses the lowest risk for spread. It says getting together with family and friends who don’t live with you can increase the chances of getting or spreading COVID-19.If you are having a small gathering, the CDC suggests limiting the number of people, hosting outdoors rather than indoors, and having supplies like extra masks available. If inside, experts recommend opening windows and doors to increase ventilation. “I would really push people to do everything possible to try to keep your distance, and if you can’t, wear your face coverings all the time that you’re not eating,” said Levine.The CDC also says people who have COVID symptoms, are waiting on test results, or are at an increased risk of severe illness should not go to an in-person celebration. If you travel, the CDC says testing does not eliminate all risk, but it can help make travel safer. Still, it says the safest thing to do is to stay home.“I think the real message here is there’s hope. There’s lots of hope ahead. I’m hoping that we’re at the beginning of the end, but the beginning of the end does not mean we can let our guard down,” said Dr. Levine. “In fact, we’re probably going to have to really push to do physical distancing, face masks, and handwashing for a number of months into the future.”This story was first reported by Mary O'Connell at WFTS in Tampa Bay, Florida. 2338

TAMPA, Fla. — If you’ve decided to keep your child home this semester for virtual learning, you may need to step up your shopping list game — because comfort is key!“They experience strain just like we do,” said Dr. Erin Mitchell, a Chiropractor in Clearwater.That strain on their neck and back can keep them from concentrating on the work in front of them plus, it hurts.“We shouldn’t be seeing kids with headaches. All of this stuff are symptoms of something going wrong that needs to be corrected,” she said.The corrections are pretty simple. Get a chair that fits your child or retrofit a chair for them.“For children, you want to make sure that the knees are going to be at the edge of the seat. Obviously for me, I don’t need that but if not you can also crop a pillow behind here,” Mitchell said, as she points to space between her back and the chair.Also, get a footstool to rest their feet on if they can’t touch the ground.Ankles, knees, and arms should be at a 90-degree angle, and don’t forget the computer.“You wanna make sure that your screen is right at eye level,” Dr. Mitchell said.Another headache trigger is the damaging blue light that comes from your laptop or computer screen. You can get glasses that block that.“It messes with your natural melatonin production which is what regulates your sleeping cycle,” she said.But most important, Dr. Mitchell says kids need to get up and move every 30 minutes to an hour.“We’re kind of designed to move. We’re not designed to sit for long periods of time and that’s gonna help with the kid's comfort as well as their concentration,” she said.Set timer as a reminder and change up the activities.Pictures of the "do’s and don'ts" were provided by AL-Inclusive Therapy Services and can be found on its website. You can also purchase your own copy of the learning guide — Discount code teach2020 will save you .This story was first reported by Heather Leigh at WFTS. 1937

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