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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

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

Summer camps have been among a number of spots that have been known as “super spreaders” of the coronavirus,” locations where dozens or even hundreds of infections have spread.While there is an inherent risk with holding camps amid the coronavirus pandemic, the CDC says with proper precautions, the risk can be minimized.This week, the CDC outlined efforts by four summer camps in Maine held over the summer. The camps combined for more than 1,000 attendees coming from 41 states or territories. The result was a success, with only three known asymptomatic cases of the virus stemming from the camps. Testing played a key role in minimizing the risk. The attendees were tested days before coming to the camp. Of 1,022 attendees, four tested positive, which delayed their arrival. Attendees were also told to isolate in the days leading up to their arrival.Once at the camp, attendees were frequently checked for symptoms. During the camp, 12 people were isolated at times due to presenting symptoms, but all tested negative for the coronavirus. There were also three cases identified during the camps among asymptomatic attendees, two of whom were staffers. The three attendees were isolated for 10 days and not cleared until receiving two negative tests.“Thoughtful and prudent public health practices used during overnight summer camps in Maine reinforces how powerful everyday preventive actions are in reducing and keeping COVID-19 transmission low,” CDC director Robert Redfield. “Despite more than 1,000 campers and staff from nearly every state and seven countries, only three people tested positive for COVID-19 during the camp and no additional campers or staff were known to be infected. Using a combination of proven public health strategies to slow the spread of COVID-19, campers and staff were able to enjoy a traditional summer pastime amid a global pandemic.”To read more about how the camps avoided an outbreak of the coronavirus, click here. 1968

TERRE HAUTE (AP) — The U.S. government has executed a former soldier who said an obsession with witchcraft led him to kill a Georgia nurse he believed had put a spell on him. William Emmett LeCroy is the sixth federal inmate put to death this year at the U.S. prison in Terre Haute. Before that, there had been a 17-year hiatus without any federal executions. Lawyers had asked President Donald Trump in a petition to commute LeCroy's sentence for killing Joann Lee Tiesler in 2001. They said LeCroy's brother was killed during a routine traffic stop in 2010 and that another son's death would devastate the LeCroy family.U.S. Department of Justice Spokeswoman Kerri Kupec issued the following statement following the execution: 736

TAMPA, Fla. — Within one month, someone splashed four cars with an acid-like liquid in busy Tampa parking lots.Deputies are not sure if the incidents are related. The most recent happened in a shared parking lot near the AMC Veterans movie theater and Starbucks off Anderson Road.The scenario is the same in all of these situations. Some sort of corrosive liquid is poured onto the doors of the cars which damages paint, metal and plastic on the car.Two panels on Gary Schaff’s 2015 white Mercedes had to be repainted. He was parked in the lot off Anderson Road two nights in a row as he and his family caught up on the latest Marvel movies at AMC."When we came out to the car which was a little bit of a walk away from the theater, it looked as if there was almost shaving cream or foam on the side of the car,” Schaff said. "We're like, what is that?”As his family got closer, they realized the white paint had bubbled up. By the time they got home a lot of it had flaked off and exposed the metal underneath. "I don't even know what I would say to someone who thinks it’s a good idea to do something like that,” Schaff said. "What does it accomplish exactly?"Hillsborough County deputies say a 2007 BMW was vandalized the same way in a Publix parking lot off N. Dale Mabry on April 11 and a 2017 Porsche SUV was damaged by a corrosive liquid in the Heath Integrated parking lot on April 23. All three attacked occurred within a few miles of each other. The Tampa Police Department responded to a 2011 Audi with similar damage at International Mall on April 15."It's just to me a completely random thing, and it's really hard to prevent,” Schaff said. "Have insurance on your car."While Schaff must pay a 0 deductible, his insurance company will cover the rest of the amount needed to repair the damage.He asked the movie theater about security cameras but believe the ones on the building catch the area of the parking lot his car was in."I hope the person gets caught, and brought to whatever justice there would be from this and learns a lesson not to do this,” said Schaff.Scripps station WFTS in Tampa reached out to the property owners of this parking lot to see what type of security they have and is waiting to get an official response. 2387