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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

TAMPA, Fla. — A creation to help combat the coronavirus from USF Health and Tampa General Hospital is now helping people across the world.When the COVID-19 pandemic started, researchers worked to fill in gaps from the shortages that came with it, including nasal testing swabs.“Unfortunately that component of the test kit was missing because it actually comes from overseas and actually it’s manufactured in northern Italy and if we recall back to March that is where everything was shut down and so that directly impacted our ability to be able to start testing for COVID in the U.S.,” said Summer Decker, Ph.D., the director of 3D clinical applications at USF radiology and TGH.So a team used technology in their lab to create a 3D nasal swab.“We worked with our colleagues here and the department of infectious disease and emergency medicine to be able to come up with an alternative to that swab that was in the test kit that actually was patient safe, comfortable and actually was able to capture that viral test that we needed so badly to do,” said Decker.Quickly, they moved from design to clinical research, partnering with Northwell Health in addition to TGH.“So suddenly we were getting bags and bags of these test kits thousands a week and it’s what saved us and I think in some ways it saved the Tampa Bay area because it allowed our hospital to really keep up this high volume testing,” said Dr. Jason Wilson, the associate medical director of TGH’s emergency department.That clinical trial is now completed.“What we found was pretty amazing. They performed as well and in some cases even better than the traditional swab,” Decker said. “That clinical trial has now come out it’s been published in a top journal for infectious disease.”Wilson said the hospital still uses them when there’s not enough standard of care swabs.The team also shared the information with the swab for other hospitals and agencies facing shortages, so they could create them. Since then, Decker said tens of millions are being used in more than two dozen countries.“It’s pretty incredible to us. We all kind of keep pinching ourselves,” Decker said.She says to her, the swab represents collaboration.“It’s not just a COVID thing. This is something that we can look at using long-term and beyond this COVID situation,” she said.This story was first published by Haley Bull at WFTS in Tampa Bay, Florida. 2401

Texas Gov. Greg Abbott announced Thursday that he is putting a pause on lifting pandemic-related lockdowns as cases of COVID-19 reach near-record levels in the state.According to a press release, businesses that have already re-opened under previous mandates can continue to operate "under the minimum standard health protocols provided by the Texas Department of State Health Services." However, the state will not proceed with further reopenings for the time being.“The last thing we want to do as a state is go backwards and close down businesses," Abbott said. "This temporary pause will help our state corral the spread until we can safely enter the next phase of opening our state for business."Abbott also encouraged Texans to wear a mask and practice proper social distancing in his statement. 809

Supporters of President Donald Trump flooded roadways Sunday in New York and New Jersey, shutting down traffic on expressways and bridges.With just days to go before the election, caravans of cars flying Trump flags caused a traffic jam on the Garden State Parkway around Cheesequake and Lakewood. Police said the demonstration caused a 5-mile backup on the highway.In New York, videoes showed parked vehicles filled with Trump supporters on the Mario Cuomo Bridge. A New York State Police spokesperson said no arrests were made and the bridge was never shut down.Traffic briefly stopped three times during the caravan on the bridge for between approximately two and seven minutes. 689

Texas Gov. Greg Abbott called for action on Friday in the wake of a deadly school shooting in Santa Fe, Texas."We need to do more than just pray for the victims and their families," said Abbott, a Republican, during a news conference in response to the shooting. "It's time in Texas that we take action to step up and make sure this tragedy is never repeated ever again in the history of the state of Texas."Abbott said he plans to convene "roundtable discussions" next week that will bring together lawmakers and community members with a wide array of perspectives.RELATED: Trump on Texas school shooting: 'This has been going on too long in our country'"Beginning immediately, I'm going to be working with members of the Texas Legislature but also members of our communities across the entire state of Texas, to begin with roundtable discussions beginning next week where we will assemble all stakeholders to begin to work immediately on swift solutions to prevent tragedies like this from ever happening again," Abbott said.The governor added he wants input from parents, students, teachers and gun rights supporters.Abbott suggested he hopes the discussions will lead to legislation: "We want to hear from everybody who has an interest in what has happened today, so we can work together on putting together laws that will protect Second Amendment rights but at the same time ensure that our communities and especially our schools are safer places."Lawmakers across the country condemned the shooting on Friday. President Donald Trump said in remarks from the White House that mass shootings have been "going on too long in our country."Ten people were killed in the shooting Friday morning at Santa Fe High School and another 10 were wounded, Abbott said during his news conference.The governor called it "the worst disaster ever to strike this community."The-CNN-Wire 1881

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