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Texas GOP Lt. Gov. Dan Patrick said after the nation's latest school shooting in Santa Fe, Texas, that teachers need guns, parents should secure firearms safely at home, and schools should eliminate some of their entrances."We need our teachers to be armed," Patrick said Sunday on CNN's "State of the Union."Patrick also called for "gun control at home," with firearms out of childrens' reach, but declined to say whether he would support requiring that by law, saying Texas holds gun owners "very responsible.""Be sure that your kids and grandkids or anyone who might have access to your home cannot get your guns," Patrick said. 639

Supporters and opponents of the recent toppling of a Confederate monument in North Carolina turned out in Chapel Hill on Saturday to assert their stances.Seven arrests were made in connection to a gathering on McCorkle Place, the University of North Carolina-Chapel Hill media relations office said."Three arrests were for assault, the fourth for destruction of property and the fifth arrest for resisting an officer. The sixth arrest was for assault, destruction of property and inciting a riot. We are awaiting information on charges for the seventh arrest," the school said.Photos: Protesters topple Confederate statue at University of North Carolina at Chapel Hill?The rival rallies came after 250 protesters knocked over the University of North Carolina's controversial "Silent Sam" Confederate statue at the school on Monday night.On Saturday people congregated at and near the spot where the statue was torn down, news footage showed. Police were on the scene in numbers as people held banners, chanted and marched. Confederate flags could be seen. 1063

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

Supreme Court Justice Samuel Alito has ordered county elections officials in Pennsylvania to keep separate mail-in ballots that arrived after Election Day. The state’s top elections official already had ordered those ballots be kept apart.The order came Friday night in response to a plea from the state Republican Party as Democrat Joe Biden inched ahead of President Donald Trump in Pennsylvania in the presidential race.Alito, acting on his own, said he was motivated in part by the Republicans’ assertion that they can’t be sure elections officials are complying with guidance issued by Pennsylvania Secretary of State Kathy Boockvar, a Democrat.The justice handles emergency appeals from Pennsylvania. He ordered a response from the state by Saturday afternoon and said he has referred the matter to the full court for further action.The order is related to an ongoing Republican appeal to the Supreme Court to try to keep ballots received in the mail after Election Day from being counted. The state’s top court granted a three-day extension, and the Supreme Court refused to block it.The Associated Press has not declared a winner in the state. 1159

TELLER COUNTY, Colo. – A two-day search of the home of Kelsey Berreth’s fiancé in Florissant, Colorado turned up no sign of the missing woman, Chief of Police Miles J. De Young said Sunday.About 75 people from multiple jurisdictions searched the 35-acre home of Patrick Frazee Saturday, hoping to find any new clues that would provide answers into the Woodland Park, Colorado woman’s mysterious disappearance. Frazee, who has not been ruled out as a suspect in the case, continues to cooperate with police during the investigation, according to his lawyer.“We still have not found Kelsey,” De Young said in the latest press release from law enforcement.The search, which at one point involved the help of a backhoe, was completed Saturday and the property was turned over to Frazee.Investigators are continuing to conduct interviews as De Young stressed the case “remains our number one priority.”Details about what investigators were searching for at the home have not been released. 1022