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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

STOCK MARKET UP BIG, VACCINE COMING SOON. REPORT 90% EFFECTIVE. SUCH GREAT NEWS!— Donald J. Trump (@realDonaldTrump) November 9, 2020 141

The Barron County Sheriff is asking the public for help in the search for 13-year-old Jayme Closs, who went missing after her parents were shot to death in their Barron, Wisconsin home. The sheriff said they need 100 people to help search the intersection of State Highway 8 and 16th Street at 2 p.m. in Barron. Barron County officials will be there to greet volunteers. Closs has been ruled out as a suspect in the double homicide and the sheriff says they believe she is in danger. Volunteers need photo identification and need to be able to walk over uneven terrain. Please wear proper footwear and bring your own water. Once 100 people are available, the sheriff said they will turn everyone else away.  745

The Barron County Sheriff said the possible sighting of a missing and endangered Wisconsin teen in Miami, Florida doesn't appear to be credible. An AMBER Alert was issued Monday afternoon for 13-year-old Jayme Closs after her parents were found dead in their home. Gas station surveillance video from Miami shows the girl a witness thought to be Jayme. The FBI has yet to confirm it was. Barron County Sheriff Chris Fitzgerald indicated Tuesday it isn't credible. A witness claims to have seen Jayme inside this black SUV with Wisconsin plates Monday afternoon at a Miami gas station. That's 1,700 miles away from where Jayme's last confirmed sighting Sunday afternoon in her hometown. Surveillance video briefly shows a teenage girl sitting in the front passenger seat as the driver pulled up to a gas pump. She doesn't appear to be restrained at the time. Moments before, a man got out of that same vehicle and walked up to another SUV and a truck to talk with others. Miami police shared the possible sighting via social media on Monday night. "We are actively researching that tip," said Fitzgerald. Fitzgerald appeared frustrated at news conference Tuesday that Miami police released information about a possible tip. "Every tip continues to be followed up on and if it's something we need to get out to you, you will get that information and it will come directly from me out to you," Fitzgerald said. Authorities were first alerted to Jayme's disappearance early Monday morning when a 911 call led sheriff's deputies to her home in Barron. Jayme's parents were found shot to death. Fitzgerald is asking Barron County residents to keep an eye out for others acting out of character. He said they've questioned a lot of people while following up on tips, however Jayme is still believed to be missing and in danger. 1883

TALLAHASSEE, Fla. — Millions of Americans have now gone weeks without increased federal unemployment insurance benefits as Congress continues to weigh replacement options."Every day we wait, another Floridian gets closer to eviction, closer to homelessness and people's lives are really on the line," Florida State Rep. Anna Eskamani (D-Orange County) said.An executive order signed by President Donald Trump aims to give unemployed Americans 0 a week, but states would need to provide a quarter of that money. On top of that, it's unclear if Trump's decision to pull billion in federal money from FEMA is even legal, as the power of the purse constitutionally falls under Congress.With the legality of the order up in the air, some Republican state governors, like Florida Gov. Ron DeSantis, are hesitant to adopt the policy."There's only so much you can do through executive action," Florida Gov. Ron DeSantis said. "We're now at a point where the President is just doing that, but I want to make sure there's no legal risk for us if someone were to challenge this, then we'd be left on the hook."The concerns haven't stopped Iowa, New Mexico, Arizona and Louisiana from applying, according to a tweet from Trump. South Dakota has reportedly declined to take up the plan."I think there's a lot of red flags on the President's executive order despite the fact that we all desperately need to see this increase in dollars," Eskamani said.DeSantis told reporters during a press conference that they are considering taking out a loan through the Department of Labor to raise the weekly benefit amount for Floridians. It's a compromise Eskamani says state lawmakers are interested in making, but also wishes Congress would strike a deal first."The best-case scenario would be Congress reconvening to come up with a solution and make that compromise, even if it means putting other issues on the table to figure out the unemployment piece," Eskamani said. "This should be a moment of no partisanship. This should be a moment of just figuring out what is the best way to help Florida."It's unclear how quickly the application process through FEMA works and when states will begin receiving the extra 0 in federal money per week.The Department of Labor issued guidelines for states on how to apply.This story was originally published by Heather Leigh on WFTS in Tampa, Florida. 2389