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The American Academy of Pediatrics (AAP), American Federation of Teachers (AFT), National Education Association (NEA) and AASA, The School Superintendents Association 174

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

TAMPA, Fla. — A Tampa Catholic school experienced heightened police presence and low attendance Tuesday after a former contracted employee threatened violence on campus. "When I first walked into school there was like eight people and then like they kept saying there was like police and a lockdown drill will happen," said Sofia Diaco, a fourth-grade student at Academy of the Holy Names. Tampa Police advised school officials at Academy of the Holy Names to operate on a modified lockdown Tuesday as they searched for the person who threatened to "shoot up the school.""There's no question that when you hear about such a specific and violent threat, you worry about your children's safety and you entrust that safety to the school," said parent Dan Diaco. Ainya Smalls, 23, was arrested for making the threat in front of students and staff as a supervisor escorted her off campus after being terminated on Monday. Smalls worked for a cleaning company hired by the school. "A lot of people were scared, some post-traumatic issues from some of the children, and some of the parents to be honest," Diaco said. Scripps station WFTS in Tampa has learned, Smalls already had a warrant out for her arrest for criminal mischief while she worked at the historic Catholic school. Officials say Smalls passed a Level 2 background check provided by the cleaning company. But after this incident, they will now conduct their own screenings for all contracted employees and plan on re-screening every member of the cleaning staff. "I think the Academy's new policy of taking control of the background checks is a wonderful remedy to help prevent something like this from happening again," Diaco said. "It's no guarantee, but it's certainly an improved layer of protection." The following was sent out following the incident: School officials will hold a meeting for parents starting at 6 p.m. Thursday in the Brady Center to discuss the school threat.  2034

Telecommunications company AT&T told its customers on Wednesday evening that they may need to restart their device in order to regain cellular service following a massive service outage. According to the outage tracker Down Detector, a sudden spike in AT&T outages were reported around 6 p.m. ET. Thousands of customers were reporting that their AT&T cellphone service was out. "If you've experienced an issue when making wireless calls, please restart your device, this might be required multiple times- that should resolve the issue," AT&T said on its Twitter page. AT&T said in a statement that it is aware of the outage."We are aware of an issue affecting some users ability to make certain wireless calls. These users should restart their devices, which should resolve the issue," the company said.By 9:30 p.m., outage numbers were returning to normal levels, according to Down Detector.Some customers said that restarting their device did not solve the issue.   1030

The body of Alonzo Brooks, whose case was featured in the Netflix series "Unsolved Mysteries," was exhumed by the Federal Bureau of Investigation on Tuesday in Topeka, Kansas.In a statement to E.W. Scripps, FBI spokeswoman Bridget Patton said Brooks' body was exhumed "as part of the ongoing investigation."According to the FBI, Brooks, 23, went missing after he attended a party at a rural house in La Cygne, Kansas on April 3, 2004. 442

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