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According to analysis by Lending Tree, Black borrowers are more than twice as likely to be denied credit than white Americans.According to the data, 57% of loan applications by Blacks making ,000 to 0,000 were rejected or approved for amounts lower than request, compared to just 22% for whites. Blacks making 0,000 or more annually had 31% of their applications rejected or approved for lower amounts than requested, compared to just 10% for whites.The analysis also found that Black Americans with college degrees experienced more debt. The study found that Black bachelor’s degree recipients had 20% more student loan debt than whites with bachelor’s degrees."It's encouraging that Americans are having these conversations more openly and with more vigor and purpose,” Tendayi Kapfidze, chief economist at LendingTree, said. “Highlighting these racial disparities shows that systemic issues have held back generations of our fellow citizens. It is ultimately to the detriment of everyone as the economy is deprived of our best efforts by denying opportunities to many capable people. The creation of these disparities was and is often government-sanctioned and enforced, and so they should be addressed via legislative remedies in addition to societal change."Compounding the challenges for Blacks to obtain lending, the data showed that the median net worth of Black families is one-tenth of those of white families.Lending Tree said it used 2018 Bureau of Labor Statistics data, 2020 Economic Policy Institute report, various Federal Reserve data, 2020 Federal Reserve Bank of St. Louis data, 2017 National Center for Education Statistics report, 2020 Pew Research Center report and U.S. Census Bureau to conduct its analysis.To read the full study, click here. 1783

After making a go at in-person classes, a jump in COVID-19 cases on campus has prompted the University of North Carolina in Chapel Hill to shift to virtual only for all undergraduate courses, the university announced Monday.UNC will start distance learning on Wednesday.The university reported 129 confirmed COVID-19 cases last week, and a jump in its positivity rate from 2.8% to 13.6%. The university said it has tested 954 students with 177 in isolation and 349 in quarantine. The university said that most of the infected students have mild symptoms. The university said graduate, professional and health affairs schools will continue to be taught as they are, or as directed by the schools.UNC will allow students to cancel residence hall housing without penalty in an effort to depopulate the campus.“There are no easy answers as the nation navigates through the pandemic,” UNC President Peter Hans said. “At this point, we haven’t received any information that would lead to similar modifications at any of our other universities. Whether at Chapel Hill or another institution, students must continue to wear facial coverings and maintain social distancing, as their personal responsibility, particularly in off-campus settings, is critical to the success of this semester and to protect public health.”The university’s football team is still slated to play this fall, along with other members of the ACC. Two of the five “Power 5” conferences, the Pac-12 and Big 10, have opted to delay their seasons to the spring. The ACC, SEC and Big 12 are still slated to play this fall.The good news for the state of North Carolina is coronavirus cases are declining. According to New York Times data, the state was averaging 2,000 new cases per day, but that number has fallen to under 1,300. Deaths are still an issue in the Tar Heel state, with an average of 25 people dying per day from coronavirus-related illnesses. 1926

Actress Drew Barrymore is now a television talk show host.On Monday, "The Drew Barrymore Show" debuted on CBS, with featured guests former "Charlie's Angels" co-stars Cameron Diaz and Lucy Liu.According to CNN, Diaz appeared as a hologram.Adam Sandler was also a guest.The premiere included an introduction of the new segment “Drew’s News,” cooking with Chef Haile Thomas, Islander Lively Bowl, and revealing a surprise backyard makeover for essential workers in the piece "Designed by Drew," and debuting "The Goodbye," the talk show's website said.Her show, retrofitted for the COVID-19 era, is shot in New York, where she also lives with her two daughters, the Associated Press reported. 698

Across the country, officials are re-evaluating policing methods after the death of George Floyd put police brutality in the spotlight. Now, schools are weighing in, too.Fueled by the rise in school shootings in the last decade, hundreds of high schools and middle schools have hired armed police officers, also known as school resource officers, to patrol campuses.But just as civil rights groups like Black Lives Matter are calling for a change in policing, the Gwinnett Parent Coalition to Dismantle the School to Prison Pipeline (GwinnettSToPP) is calling for a change in school security."We've been at this for quite some time. We've done a lot of things along the way to mitigate the effects of police in schools," said Marlyn Tillman, the co-founder of GwinnettSToPP.Since it was established 10 years ago, the group has aimed to remove police officers from school campuses. Tillman says that when police are on campus, what used to result in a trip to the principal's office now means a "trip in handcuffs.""Most of them have two guns, a taser and a baton. They definitely all have one (gun) and then they are allowed to carry their own personal firearm," Tillman said. "That image is not the image that garners safety. That is an image of violence."Denver Public Schools (DPS) recently joined several other large school districts across the country in removing school resource officers from campuses — but the change isn't immediate. DPS currently plans to eliminate school resource officers by the end of the 2020-2021 school year."There are other ways to think about safety, and this is the time to do that," said Denver school board member Jennifer Bacon.Bacon believes there is a way to keep schools safe without projecting the image of violence that comes with an armed officer."There are things we will always have to call police officers for," Bacon said. "We cannot handle guns. We cannot handle controlled substances. But having them present suggests that a kid is 'that close' to doing a crime."Fresno High School student Richard Romero believes students will feel safer without officers patrolling on campus, but he doesn't think they should be eliminated. He feels a single resource officer could handle duties for multiple schools."Some altercations don't always need police. They just need relations to be restored," Romero said.DPS and other school districts hope that without resource officers on campus, educators can take a restorative justice approach to discipline — focusing on education and child development instead of punishment."A restorative process is an opportunity for them to learn from it. Giving someone a ticket, you know 27-year-olds can learn that way, but not a 10-year-old," Bacon said. 2739

According to a database kept by Johns Hopkins, at least 3 million people in the United States are confirmed to have contracted the novel coronavirus since the pandemic reached the country earlier this year.The U.S. surpassed the grim milestone on Wednesday morning. According to the database, more than 131,000 Americans have died of the virus.The U.S. passed the milestone as cases of COVID-19 continue to spike across the country, particularly in southern states. Late June and early July have seen some of the highest daily totals of newly confirmed COVID-19 infections since the pandemic began. Arizona, California, Florida and Texas have seen massive spikes in recent weeks before dropping in recent days — likely due to lack of reporting over the Fourth of July holiday.Hospitalizations linked to the virus across the county have risen slightly in recent weeks and have spiked in states where the virus appears to be spreading quickly.Several states have either paused or rolled back steps to reopen businesses following lockdown-related restrictions in response to rising case numbers. A number of states and cities have also introduced ordinances requiring masks in public places.The U.S. also continues to be among the world leaders in cases per 100,000 people. Only Chile and Peru rank higher, according to Johns Hopkins. U.S. cases account for more than a quarter of all worldwide cases. Around the world, nearly 12 million people have contracted the virus and about 540,000 have died.The U.S.'s total number of cases is almost double that of Brazil — the country with the second-most confirmed cases of the virus. 1634

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