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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

Students from Marjory Stoneman Douglas High School rode to Washington, DC in style on the way to the "March for our Lives" protest.The Fort Lauderdale-Hollywood International Airport tweeted on Friday afternoon that the students boarded the New England Patriots' team plane before taking off for Washington.PHOTOS: Students hit the streets for "March for our Lives" protestAccording to ABC News, students on the plane were presented with Patriots apparel and a letter from Patriots owner Robert Kraft.  515

Texas kicked off early voting Tuesday. People stood in long lines, voting in ways they've never done before. Some lined up before daylight on sidewalks outside major sports arenas to allow for more physical distancing.Early voting started Monday in Georgia and nearly 127,000 people cast their ballot, a first day record for the state.“There were hours-long wait times in some locations and glitches that added to the challenges,” said Mike Lydon, a principal at Street Plans. “Voting rights and having access to a safe and convenient polling location is going to really drive participation.”Street Plans is an urban planning and consulting firm that deals with transportation. They got a grant over the summer to put together a physical design plan for cities to best cope with social distancing, capacity restrictions and high voter turnout.“How you can make use of streets and public spaces to alleviate some of those issues and of course add some comfort elements like tents, seats, sanitation stations periodically throughout the queue,” said Lydon.The plans cover all types of polling locations, and how to properly do drive-up, curbside, outdoor and indoor voting.There are many potential problems for election officials when situations can change quickly.“COVID being this unknown variable, you could have a spike in the next three weeks at a certain location and that might totally change what was planned for in person indoor voting to go outdoors,” said Lydon.Street Plans is also offering free consulting assistance to cities. The plans are also free to download on their website StreetPlans.com. 1616

Stephen Colbert had plenty to say when it came to the allegations of sexual misconduct against his boss, CBS CEO Les Moonves.Colbert kicked off CBS' "Late Show" on Monday night joking that he heard over the weekend that there was an article about Moonves in the New Yorker, but acted as though he didn't know who wrote it. Once he found out that it was Ronan Farrow, Colbert spat out a sip of a drink he took from a coffee cup."That's not good," Colbert said. "Ronan isn't exactly known for his puff pieces about 'glamping.'"Later in the show, Colbert spoke more about Moonves and the #MeToo movement from his desk."It's strange to have to say this, powerful men taking advantage of relatively powerless employees is wrong," the host said. "We know it's wrong now and we knew it was wrong then. And how do we know we knew it was wrong then? Because we know these men tried to keep the stories from coming out back then."Colbert then said that as a "middle-aged guy with some power in the entertainment industry" he may not be the ideal person to address "this kind of systemic abuse," but that he does "believe in accountability.""Everybody believes in accountability until it's their guy, and make no mistake, Les Moonves is my guy," Colbert said.The host then pointed out how Moonves hired him and has stood by the show."But accountability is meaningless, unless it's for everybody," Colbert added. "Whether it's the leader of a network or the leader of the free world."Six women told The New Yorker that Moonves sexually harassed them. In a statement to The New Yorker that was also obtained by CNN, Moonves said he has "promoted a culture of respect and opportunity for all employees" throughout his tenure at CBS."I recognize that there were times decades ago when I may have made some women uncomfortable by making advances," Moonves said. "Those were mistakes, and I regret them immensely. But I always understood and respected — and abided by the principle — that 'no' means 'no,' and I have never misused my position to harm or hinder anyone's career."Media observers paid close attention to how CBS reacted to the news all day on Monday. 2185

TEMECULA, Calif. (KGTV) -- Monday, new details emerged about a fight on the field. The student at the center of it all is from Chula Vista. Cell phone video shows people pushing and shoving each other on the field. The violent scene unfolding in the middle of a soccer tournament in Temecula. A stampede of hundreds of parents and children running from what they thought was an active shooter. Erik Saur shared video in the moments before he grabbed his 9-year-old daughter. RELATED: Temecula police investigating reports of man brandishing a gun during youth soccer tournament“I felt like a tidal wave. You can hear them say shooting process. You don’t process gotta get out of there," Saur said. The incident happened Sunday at Galway Downs. A video captured the moment the chaos started. 10-year-old boys started fighting when spectators swarmed the field. One of the boys that was hurt was from the Albion Team in Chula Vista. In the midst of the chaos, a man who had a camouflage duffel bag caused hysteria. “He rushes to the sideline and he pulls out the backpack and someone is telling him ‘don’t do it’ they said must have a weapon.”The man was detained by deputies for a short time. Investigators say there was no weapon, but the fear was real. The father of the child injured says his son will be okay. Coaches and parents plan to meet later this evening to discuss safety measures moving forward. Albion issued a statement Tuesday, saying in part they are working closely with the California State Soccer Association and U.S. Soccer to create higher standards and stricter consequence for sideline issues:"As a youth soccer community, we want to check in with all our families after the situation we encountered during the tournament this past weekend. We also want to commend our families for their commitment to excellence as a sideline maintaining sportsmanship and class always. For years, we have witnessed youth sports becoming too emotional on the sidelines, and we have worked to educate our families and bring forth guidelines to ensure: safety, respect, sportsmanship, and class. Unfortunately, this is not the case with every team or club we play against.We will continue to guide our staff and families to always be in control and work toward being the leaders in the industry.After this weekend we are committed to not only holding us to be the best in practice, but are working closely with Cal South and US Soccer to create higher standards and push for stricter consequences for sidelines and issues that cross the line.We appreciate everyone’s support and recognition of the situation; and hope that as a community, as Albion SC, we use this as an opportunity to help improve and change the landscape and support and remind everyone that this is just a game. It is a game meant for the players and a place we want our players to always feel safe to play this beautiful sport." 2912

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