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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

Sunday, April 1, will mark six months since a mass shooting at the Route 91 Harvest Festival on the Las Vegas Strip. Fifty-eight people died, and 851 were injured after shooter Stephen Paddock fired more than 1,100 rounds at a crowd of country music fans. Paddock was in a room on Floor 32 at Mandalay Bay hotel and casino when he committed the act last fall.It is the deadliest mass shooting committed by an individual in the United States.There will be several memorial services and vigils around Las Vegas to mark the day, including one near the Route 91 Harvest Festival grounds. That vigil will start at 6 p.m. local time near Reno Avenue and Giles Street. Afterward, attendees will be allowed to walk around the site. The shooting on Oct. 1, 2017 occurred between 10:05 and 10:15 p.m. local time. 845

The American Heart Association highlighted findings on Friday indicating the coronavirus may cause more heart damage than previously believed.The AHA says that inflammation of the vascular system and injury to the heart occurs in 20 to 30 percent of all hospitalized coronavirus patients. The heart damage results in the 40% of all coronavirus-related deaths, the American Heart Association said.Studies have suggested that 8 to 12 percent of all coronavirus infections have caused heart damage. There is also concern that the resulting heart damage causes a greater risk for heart attacks, strokes, and other cardiovascular-related illnesses even following recovery.“Much remains to be learned about COVID-19 infection and the heart. Although we think of the lungs being the primary target, there are frequent biomarker elevations noted in infected patients that are usually associated with acute heart injury. Moreover, several devastating complications of COVID-19 are cardiac in nature and may result in lingering cardiac dysfunction beyond the course of the viral illness itself,” said Mitchell S. V. Elkind, president of the American Heart Association.The American Heart Associated is working with 150 US hospitals and 14,000 patients to better understand the virus’ impact to the heart. 1301

Surprise! April the Giraffe may be pregnant again.One of the spokespeople for Animal Adventure Park in New York said on Good Morning America that they "can't confirm nor deny" the possibility of April being pregnant again.April took the world by storm when millions tuned into a live stream daily, waiting for her to go into labor at the zoo. April gave birth to Tajiri earlier this year.  412

TEMPE, Ariz. — An Arizona woman said a man posing as a Lyft driver tried luring her into his car. Around 9 p.m. Saturday, Bradie Trippi was waiting to be picked up in a parking lot in Tempe, Arizona. The Lyft app showed her driver was a minute away when a man in a gold Infiniti sedan pulled up next to her, she said. “He says, ‘I’m your Lyft’ and then took a phone, flashed it in my face,” Trippi told KNXV. She said the man showed her the passenger app — not the driver app — and the letter “f” of the “Lyft” emblem on his car was backward. Given the fact the man did not match the photo of her driver or description of her driver’s car, Trippi declined to get in the car. “He got aggressive,” she said. “Told me to get in the car, he’s gonna kill me, called me the ‘b word’, started yelling the ‘f word’ at me — I got kind of scared.”When her actual Lyft driver arrived, Trippi said the man sped off. Lyft and Uber spokespeople told KNXV that passengers should always check to make sure the photo of their driver, description of the vehicle and license plate match up before getting inside. Passengers should ask open-ended questions to their driver, like “who are you here to pick up?” Instead of “Are you here to pick up [name]?”Trippi and her actual Lyft driver described the imposter driver as a bald, African-American man with an accent. Tempe police said there have been no other recent reports matching that description.  1479