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A huge fundraiser to support both students and historically black colleges and universities has decided to go virtual this year. United Negro College Fund says now, more than ever, help is needed to not only keep students applying, but to keep them enrolled in school.Even as a kid, Velvet Gunn was always singing, dancing, writing and painting. She owes that support to her mom, who she says would let Velvet follow her every whim. “She’s extremely happy that I got my degree but also that I’m getting paid for my art!” Gunn said.Gunn calls herself a "creative freelancer." “I taught theater for 10 years, I paint, I sing, wherever my creativity brings me, I do graphic art, I do web design," Gunn said. But, getting to where she is today wasn't easy. “When I went to college or was deciding to go to college I knew I wanted to do something in the arts, I had the talent and the determination, but I didn’t have the money," Gunn said.She had her eye on Lane College in Jackson, Tennessee. They were going to give her just the right amount of money for her to attend. Things were going well, until her junior year when she ran out of money. “I went on the website, I had heard of UNCF before but I had never gone on the site until my junior year. And they saved me. It was so easy, it was personal," Gunn said.Right on time, the funding came in and Velvet was able to graduate. Now, she uses her degree to support herself and her art. Brian Bridges, Vice President of Research and Member Engagement at the United Negro College Fund says stories like Velvet's are what drive the organization to continuously look for support. Since 1944, the organization has helped over 500,000 students get an education, and raised over billion dollars for students and colleges.“To hear some of these students, their testimonials sometimes, teary eyed, telling stories how they wouldn’t have gone to college without the UNCF scholarship or how they didn’t have an idea where their life might have gone or given the background they came from this would be transformative simply because of the scholarship UNCF gave them," Bridges said.UNCF surveyed more than 5,000 students across their member institutions to understand how the pandemic was affecting them. The results were disheartening. “Over half said their financial stability had declined during COVID-19, 40 percent said mental well-being had declined and those were 2 and 3 times more likely to want to transfer to be closer to home to help their family,” said Bridges.And he says, while some reported mental improvement, their responses said otherwise. "Those stories are heartbreaking. 'I don’t know where my next meal is from, everyone in my household is unemployed, I’ve had to take on 50 hours of work in a hospital rife with COVID and it’s a mental strain on me.'”The organization's annual Walk for Education is one of the many fundraisers that supports students. This September 19th, the walk will be virtual. They're urging people to participate any way they can.“Whether they want to walk, run, walk, bike, dance, we encourage any type of activity along with the support that would come with that in order to participate in the walk and be supportive of UNCF," said Bridges.He says he wants people to know that all the money they raise goes to support students and the schools they attend. That money supported students like Velvet, who says she'll do anything for UNCF.“Every time UNCF has something or is needing someone I’m like 'let me know, I will scream to the heavens and let people know about what you all do,'" Gunn said. 3593

A growing number of Hispanics along the Texas-Mexico border with birth records showing they were born in the United States are being denied American passports, held in immigration detention centers, and entered into deportation proceedings, immigration attorneys and individuals affected told the Washington Post.According to the Post report, the issue stems from a government allegation that from the 1950s through the 1990s, midwives and physicians working along the border issued American birth certificates to babies born in Mexico, which some birth attendants have admitted to in court.The State Department, the Post said, denies changing its "policy or practice regarding the adjudication of passport applications." The agency also said the border region "happens to be an area of the country where there has been a significant incidence of citizenship fraud." 874

A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A judge entered a plea of not guilty on Nikolas Cruz's behalf as the teen was arraigned Wednesday in last month's massacre at a South Florida high school -- on the same day students across the country walked out of class to demand stricter gun laws because of the killings.A Broward County grand jury last week?indicted?the 19-year-old gunman on 17 counts of premeditated murder in the first degree and 17 counts of attempted murder in the first degree. 476

A federal judge in Texas said on Friday that the Affordable Care Act's individual coverage mandate is unconstitutional and that the rest of the law must also fall."The Court ... declares the Individual Mandate ... unconstitutional," District Judge Reed O'Connor wrote in his decision. "Further, the Court declares the remaining provisions of the ACA ... are inseverable and therefore invalid."The case against the ACA, also known as Obamacare, brought by 20 Republican state attorneys general and governors, as well as two individuals. It revolves around Congress effectively eliminating the individual mandate penalty by reducing it to <云转化_句子> as part of the 2017 tax cut bill.The Republican coalition is arguing that the change rendered the mandate itself unconstitutional. They say that the voiding of the penalty, which takes effect next year, removes the legal underpinning the Supreme Court relied upon when it upheld the law in 2012 under Congress' tax power. The mandate requires nearly all Americans to get health insurance or pay a penalty.The Trump administration said in June that it would not defend several important provisions of Obamacare in court. It agreed that the zeroing out the penalty renders the individual mandate unconstitutional but argued that that invalidates only the law's protections of those with pre-existing conditions. These include banning insurers from denying people policies or charging them more based on their medical histories, as well as limiting coverage of the treatment they need.But the administration maintained those parts of the law were severable and the rest of the Affordable Care Act could remain in place.Because the administration would not defend the law, California, joined by 16 other Democratic states, stepped in. They argued that the mandate remains constitutional and that the rest of the law, in any event, can stand without it. Also, they said that eliminating Obamacare or the protections for those with pre-existing conditions would harm millions of Americans.In oral arguments in September, a lawyer for California said that the harm from striking down the law would be "devastating" and that more than 20 million Americans were able to gain health insurance under it.The lawsuit entered the spotlight during the midterm elections, helping propel many Democratic candidates to victory. Protecting those with pre-existing conditions became a central focus of the races. Some 58% of Americans said they trust Democrats more to continue the law's provisions, compared to 26% who chose Republicans, according to a Kaiser Family Foundation election tracking poll released in mid-October.The consumer protections targeted by the administration are central to Obamacare and transformed the health insurance landscape. Their popularity is one of the main reasons GOP lawmakers had such difficulty repealing Obamacare last year."Guaranteed issue" requires insurers to offer coverage to everyone regardless of their medical history. Prior to the Affordable Care Act, insurers often rejected applicants who are or had been ill or offered them only limited coverage with high rates.Under the law's community rating provision, insurers are not allowed to set premiums based on a person's health history. And the ban on excluding pre-existing conditions from coverage meant that insurers cannot refuse to pay for treatments because of a policyholder's medical background.All these provisions meant millions of people with less-than-perfect health records could get comprehensive coverage. But they also have pushed up premiums for those who are young and healthy. This group would have likely been able to get less expensive policies that offered fewer benefits prior to Obamacare. That has put the measures in the crosshairs of Republicans seeking to repeal the law and lower premiums.It's no wonder that politicians on both sides of the aisle promised to protect those with pre-existing conditions during the election. Three-quarters of Americans say that it is "very important" for the law to continue prohibiting health insurers from denying coverage because of medical histories, according to the Kaiser Family Foundation's September tracking poll -- 58% of Republicans feel the same way. And about the same share of Americans say it's "very important" that insurers continue to be barred from charging sick people more. 4383

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