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States and districts across the country are unveiling their plans for the nation’s 56 million school children to return back to school. It’s a stressful time for parents and teachers, as well as students. Experts say it’s important to recognize the signs your child may not be ready to go back.“I really want to see friends and see teachers, and like, being actually inside the classroom,” said 14-year-old sophomore Amina Ahmad.Still, there is an uneasiness about whether a return to the classroom would lead to an outbreak.“Some people really are kind of worried about how many students are actually going back and how many people are going to be there,” said Ahmad.Politicians, school administrators, and parents are all weighing the potential risks of returning to the classroom. As novel coronavirus cases surge across the country, experts say the psychological toll on children needs to be addressed.“One of the things that we're seeing a lot is that after being away from that routine for a long time, it is normal for families and for youth to be concerned about ‘how is this going to be?’” said Dr. Tali Raviv, a child clinical psychologist at the Ann & Robert H. Lurie Children's Hospital of Chicago who specializes in student mental and health resilience.The American Association of Pediatrics says the benefits of in-person learning outweigh the risks and “…strongly advocates that all policy considerations for the coming school year should start with a goal of having students physically present in school.”But mental health experts say it’s important to understand how each child feels about going back.“Because it's a very different situation if a child is worried, ‘I'm not going to have my best friend with me in my little pod’ than if they're saying ‘I'm worried I'm going to get sick and die’ or ‘you're going to get sick and die,’” explained Dr. Raviv.Dr. Raviv says signs that your student is anxious about returning to school include:Any significant changes in sleep, falling asleep, staying asleep, not wanting to sleep alone or having nightmaresChanges in appetite or a lack of appetiteHeadaches or stomach achesBeing more irritable, frequent meltdownsWithdrawal from friends, family, other activitiesDr. Raviv says if the anxiety is debilitating, it may be time to see a professional.For sophomore Ahmad, her school’s hybrid schedule, alternating in-person and online classes, has put her mind at ease for now. 2448

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

Tennis superstar Serena Williams says she found out her sister's killer had been released from prison minutes before her loss to Johanna Konta last month.The 6-1 6-0 defeat to Konta in the opening round of the Silicon Valley Classic was the worst of Williams' 23-year career.In an interview with Time Magazine, the 23-time grand slam champion said she was scrolling through Instagram 10 minutes before her match and learned the killer had been released on parole."I couldn't shake it out of my mind," the 36 year-old said.Robert Maxfield was jailed for 15 years in April 2006 for the shooting of Yetunde Price -- Williams' older half-sister -- in 2003 in Compton, Los Angeles.Price was 31 at the time of her death and had three children aged 11, 9 and 5. 762

TEMECULA, Calif. (KGTV) -- The United States Geological Survey is reporting that an earthquake with a preliminary magnitude of 4.4 struck near Temecula. According to the USGS, the quake hit around 6:24 p.m. roughly 20 miles east of Temecula. A 3.0 magnitude aftershock hit the same area at 6:53 p.m. Residents of the town reported feeling the quake. According to the USGS "did you feel it" map, residents all over San Diego and Orange Counties felt the earthquake. Area businesses reported feeling shaking. An employee with Clancy's Tractor Services, which is near the epicenter, says he knew right away it was an earthquake due to recent activity in the area. Check out the map below to see the epicenter of the earthquake. For more information from the USGS, click here.  821

The battle over MCAS flight paths continues. For years, residents have expressed concerns about noise, pollution and potential crashes. Earlier this month, councilwoman Barbara Bry wrote a letter to MCAS asking pilots ot adhere to flight corridors that avoid direct traffic over University City. Neighbors in the area are still coping from the 2008 crash that killed four people when a jet went spiraling into two homes. "We’ve already had one accident in UC years ago," said Don Hoetz. "Right below that flight path and we just don’t want to see that happen again."MCAS released a statement to 10news, saying in part;"All aircraft routes, including departures over University City, depend on a myriad offactors including weather, other air traffic, and the flight characteristics of the aircraft. In all cases, aircraft use navigable airspace in a manner authorized by the FAA."Colonel Charles Dockery responded to councilwoman Bry's letter Thursday morning. He reiterated that all of the flights they use are approved by the FAA and said they must prioritize safety over noise. 1089