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A majority of the House of Representatives is on record supporting another billion to help airlines pay their workers through next March. The goal is prevent large-scale layoffs in October, when an earlier round of federal aid runs out. Airlines are staggering under a massive drop in air travel caused by the coronavirus pandemic. On Monday, 195 Democrats and 28 Republicans endorsed more payroll aid for the industry. But the fate of the proposal is unclear. Republicans who hold the majority in the Senate released a new coronavirus-relief measure that did not include the airline provision. 606

A judge has decided a university was justified in moving an event by conservative commentator Ben Shapiro to a smaller venue for safety concerns, according to reports.Shapiro, a lawyer, former Breitbart editor and author of several books, was scheduled to speak at the University of Minnesota in February 2018.The group that requested Shapiro’s appearance, Students for a Conversative Voice, requested the use of a large, 1,000+ seat venue on the Minneapolis campus. However, University officials at the time decided the event needed to be held at a venue on the St. Paul campus that seats less than 500 people because of security concerns.The student group claimed in their lawsuit against the university the venue change resulted in limiting the number of people who could attend and denying them the ability to participate in the event.A judge on Friday threw out the lawsuit, according to the Pioneer Press, saying the university had legitimate safety concerns because of other incidents after Shapiro events on other campuses.Large crowds of protesters have appeared at Shapiro events, some resulting in arrests. At a September 2017 event in Berkeley, California, part of the area around campus was closed down and barriers erected to handle demonstrators; several people were arrested during the incident.The University of Minnesota reportedly spent ,000 on security for their event in February 2018. 1417

A Lexington man is accused of using other people's identities to buy luxury cars and lease apartments in Kentucky and Florida.39-year-old Kenneth Mobley was apprehended earlier this month as part of investigations by Lexington Police and the Kentucky State Police-Vehicle Investigations Unit. 300

A gunman killed 26 people and wounded 20 others at a Texas church Sunday morning in what Gov. Greg Abbott called the largest mass shooting in state history.At one point, the shooter tried to get a license to carry a gun in Texas but was denied by the state, Abbott said, citing the director of Texas' Department of Public Safety."So how was it that he was able to get a gun? By all the facts that we seem to know, he was not supposed to have access to a gun," Abbott told CNN. "So how did this happen?" 510

A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850