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The attached document was just released by the Ventura County Medical Examiner's Office regarding Naya Rivera, whose body was found yesterday in Lake Piru. pic.twitter.com/6APEgrBPaQ— Ventura Co. Sheriff (@VENTURASHERIFF) July 14, 2020 243

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

The “chicken wars” may be heating up again in the fast-food industry.McDonald’s announced Tuesday that it will soon be introducing spicy chicken nuggets to its menu, an item popularized by competitor Wendy’s.McDonald’s says it will start offering both Spicy Chicken McNuggets and Mighty Hot Sauce in the United States starting on September 16.“Breaded with a sizzling tempura coating made of both cayenne and chili peppers, these craveable, dippable and downright-delicious Spicy Chicken McNuggets are joining our classic McNugget line up, and pack plenty of spice and flavor into each bite,” wrote McDonald’s in a press release.The spicy nuggets and sauce will only be available for a limited time and at participating restaurants.“This is the first time we’ve introduced a new flavor of our classic Chicken McNuggets in the U.S. since they came to menus in 1983,” said Vice President of Menu Innovation, Linda VanGosen.The fast-food chain says the Mighty Hot Sauce is its first new sauce since 2017 and it will be the hottest one available at its restaurants.“For those who care to dial up the heat, we’ve crafted our new Mighty Hot Sauce, boasting a powerful blend of crushed red peppers and spicy chilis,” said McDonald’s.Additionally, McDonald’s says it will start selling a new McFlurry made with Chips Ahoy!“This delicious treat features vanilla soft-serve, caramel topping and Chips Ahoy! cookie pieces blended throughout,” said McDonalds.The Chips Ahoy! McFlurry will also be available for a limited time starting Sept. 16, in snack and regular sizes. 1568

TEMECULA, Calif (KGTV) -- Police have arrested five people after a woman’s body was found at the border of San Diego and Riverside Counties on October 12.According to the National City Police Department, Pablo Victor Valadez, 35, Crystal Lopez Melendez, 33, Amber Star Suarez, 37, Jonnie Alexander Isaguirre, 22 and Maria Yvette Perreira, 26 were arrested for murder of Alexandria Nicole Smith, 30, Wednesday.RELATED: South Bay police investigating body discovered in North CountyDetectives found Smith’s body on October 12. Smith’s mother, who reported her missing, last saw her daughter on October 2.Detectives say Smith died of asphyxiation and was found fully clothed with a blanket over her body.Police are still investigating the murder. 756

TANGIER, Va. – At just over one square mile, tiny Tangier, home to less than 500 people, sits surrounded by the Chesapeake Bay in Virginia.No roads can get you there. The easiest way to travel to the island is via one of the daily ferries, popular with adventurous day trippers, who want a peek at how people have lived here for centuries.“It's all about the seafood,” said Mayor James Eskridge, better known by his nickname, Ooker. “It's a close-knit community.”That closeness, though, became a potential threat earlier this year, when the coronavirus began spreading throughout the country.“We were like most of the country: we were didn't know what it was going to amount to, how dangerous it was, how you would hear one thing about it and you would hear something else and so people were worried,” Eskridge said.They were especially worried because more than 40% of the people who live on Tangier are elderly, a population vulnerable to the virus. What’s more, there’s only a small clinic on the island and no full-time doctor.So, they made a few tough choices.The ferry services temporarily shut down, effectively isolating the island, and so did another thing at the heart of life there.On the island, church is everything. Right after the coronavirus outbreak began in March, they stopped services for months and that may have been what helped keep the virus at bay.So far, there have been zero coronavirus cases on the island.“It's like one big family here. Your problem is my problem,” said Nancy Creedle, a parishioner at the island’s Swain Memorial Methodist Church, who also works in the church office.She said people took the virus seriously and though church services started up again, there have been some changes.“We marked the pews and people had to wear masks,” Creedle said.Being socially distant doesn’t come naturally there, but they’re trying.“Tangier, just like the country, you need to be cautious, but you can't completely shut down because I think that would do more harm than the virus itself,” Eskridge said.The island is back open for business. Ferry services started up again in mid-June, with an average less than 50 people visiting a day. With summer winding down, some tourist spots are now closed and others didn’t open at all this summer season.“All in all, it’s been a strange summer,” Eskridge said. “We're having tourists come in, but it's down a lot.”Since most visitors only come for the day and don’t spend the night there, island residents think that may be part of the patchwork of decisions and circumstances keeping them COVID-free.Yet, some folks also think something else might be at work, too.“The people, well, they were very precautious, too,” Creedle said, “but I think the Lord has kept us safe.”Credit given to a higher power, they said, in the face of uncertainty. 2826