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Students across the country are expected to walk out of their classrooms Wednesday morning to protest gun violence. The National School Walkout is scheduled to begin at 10 a.m. in every time zone and last for 17 minutes -- a minute for each life lost in the Parkland school shooting.If you're a student who's thinking of taking part (or the parent of one), you probably have lots of questions: Can the school retaliate? Will it hurt your chances of college? Can you just stay home for the day?For help with answers, we turned to a couple of experts: 1. Can my school punish me for taking part? 606

TAMPA, Fla. — A fallen deputy in Highlands County, Florida will save at least six people by being a registered organ donor.Deputy William Gentry Jr. died at Lee Memorial Hospital on Monday afternoon. He was shot by a suspect while responding to a call in Lake Placid on Sunday. 290

The body of Alonzo Brooks, whose case was featured in the Netflix series "Unsolved Mysteries," was exhumed by the Federal Bureau of Investigation on Tuesday in Topeka, Kansas.In a statement to E.W. Scripps, FBI spokeswoman Bridget Patton said Brooks' body was exhumed "as part of the ongoing investigation."According to the FBI, Brooks, 23, went missing after he attended a party at a rural house in La Cygne, Kansas on April 3, 2004. 442

Talking to a wide range of Black voters Tuesday in South Carolina, the big topic on everyone’s mind is racial tension.“I kind of feel like it’s a lot going on. It’s kind of scary, now that I have kids. So I’m just hoping after today, a little changes,” a voter said.Mika Gadsden says she was born to Jim Crow refugees. She is now a political activist and says she recently asked her father if the racial tension we’re seeing today is similar to what he experienced decades ago. His answer was not what Gadsden expected.“He actually surprised me and said that this is unlike some of things he saw growing up. So I said ‘Pops, you’ve seen the clan in action’ and he said ‘yes, but that was typically under the shadow of night. You didn’t know who, what, when or where’. He feels as though it’s more brazen now,” Gadsden explained.Trudy Grant is a senior consultant for the Conference of National Black Churches. She’s actually been organizing drivers to get people to the polls Tuesday.She says what happened to George Floyd and so many other innocent people of color really impacted the political views of the Black community this election season.“That happened in the front of the world. So it’s not as if we’re making up that there’s police brutality. We don’t have to make it up. You all saw it. And so I think that has made the difference. It has opened the eyes of not only the Black community, but also everyone around the world,” Grant said.A majority of the Black community we spoke to is in favor of a Biden-Harris win. But there is a group of Black conservatives who are rallying behind Trump, like Charleston community leader Johnathan Thrower.“He’s been one of the only Republican presidents that have talked straight to Black America,” Thrower said. “I’d be nervous if Biden becomes president. One of the things I’d be nervous about is how will be handle the economy during COVID. That’s going to be my major concern.” Thrower says he believes limited government and fewer taxes benefits people of color. 2025

Starter credit cards, aimed at those who are new to credit, have been around since at least the 1970s — and they used to be much easier to qualify for.Card issuers once were able to lure young adults, particularly students, with a variety of incentives that federal regulations now prohibit under the Credit Card Act of 2009.“When you started college prior to the Card Act, you could get a Frisbee and a credit card at the same time, or a chance to win a computer and a credit card,” said Rod Griffin, senior director of public education and advocacy at Experian, a credit reporting agency.Credit card eligibility requirements are stiffer now, especially amid the COVID-19-related downturn, as banks tighten lending standards to mitigate risk. It all adds up to more obstacles for those seeking to start the clock on their credit history. About 20% of the U.S. adult population doesn’t have a scorable credit file with the three major credit bureaus, according to a report by the Consumer Financial Protection Bureau.Still, qualifying for a starter card is not impossible, and more options exist today.Eligibility for starter credit cardsThe same CFPB report also notes that credit cards are the most common way to establish a credit file for all income levels and age groups.But age matters in terms of your eligibility for a starter card.IF YOU’RE UNDER 21Applicants generally have to be 18 to apply for a credit card on their own. Applicants under 21 can only report independent personal income, including regular allowances. If you’re a student, you may also report scholarships and grants.“I got the Discover student credit card on the first try,” said Karumi Narasaki, a 20-year-old student based in Indiana and creator of the YouTube channel Rumi’s Life. When she applied for the card, she says she included part-time income from two jobs and school aid received to cover books, rent and food.IF YOU’RE OVER 21Once you turn 21, income restrictions loosen slightly. You can include any income to which you have reasonable access, such as the income of a partner or a spouse, for instance. Income is still a necessary requirement to demonstrate your ability to make payments on borrowed amounts. Other requirements may also exist, depending on the card.If you can’t meet the income requirement at any age, a co-signer could help you build credit with a credit card. You’ll get your own credit card and account, but the co-signer assumes responsibility for the bill if you can’t pay it. Not many issuers allow co-signers on credit card applications these days, but there are still some that do.Types of starter cardsThe ideal starter card should have no annual fee and report your payment history to the three major credit bureaus: TransUnion, Equifax and Experian. These bureaus compile the credit reports that form the basis of your credit scores.Creditors review your credit scores to determine the likelihood that you’ll pay them back. A good FICO credit score of 690 or higher can make it easier to get an apartment, set up utilities and access better interest rates on credit cards or loans, for example.Starter card options may include:AUTHORIZED-USER CARDSCredit cards for authorized users are tied to a primary cardholder’s account. You are issued a card with your name on it, but the primary cardholder is responsible for making the payments. If that person uses his or her credit card wisely, it could reflect well on your own credit history, but double-check with your issuer.“It’s still recommended if you’re going to become an authorized user that you ask the lender if they actually report the account for you,” Griffin said. “If they don’t, it’s not going to help you build a credit history.”SECURED CARDSSecured credit cards are easier to qualify for because they require a cash deposit as collateral, reducing the risk to the issuer. The deposit amount usually determines your credit limit.With a good payment history, you eventually get your deposit back when you close the account or upgrade to a traditional “unsecured” credit card with the same issuer.STUDENT CREDIT CARDSStudent credit cards may require enrollment at a college or university. They also may require that you have at least some existing credit history. You can find exceptions, though.Some student cards may even pack helpful, student-friendly features like waived late payment fees or incentives. Rewards on student cards are uncommon, but some options exist.“I also considered applying for a secured card initially, until I found out there’s a Discover card,” Narasaki said. “It had cash back, which is unlike any of the other cards that I looked up, so I thought it was a pretty beneficial card and it had a lot of perks.”ALTERNATIVE-UNDERWRITING CARDSAlternative-underwriting credit cards have joined the market in recent years with some game-changing approaches. Most of these cards don’t charge a security deposit, and many can use factors other than the traditional FICO scoring model to assess your creditworthiness.If you don’t have a credit history, issuers of these cards may instead look at your employment, income, spending or savings to determine your ability to pay. As a result, they may require government-issued documents, bank account information, employment verification requirements and other details as part of the application process.In some cases, you may not even need a Social Security number to apply, which is helpful for newcomers to the U.S. who have limited options.Starter card alternativesEven with more starter card options on the market, the eligibility requirements may still leave some applicants out. But credit cards aren’t the only way to build a credit history. Some services make it possible to report certain bill payments to the credit bureaus to establish a credit file.For instance, rent-reporting services can record rent payments on credit reports for a fee. Experian Boost records cell phone and utility payments on Experian credit reports for free.You can also consider applying for a credit builder loan.More From NerdWalletIf Credit Card Relief’s a No-Go, Check Out Debt ManagementFor Homeowners, Saving a Down Payment Is Only the Start6 Great Recession Money Lessons That Still Apply TodayMelissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. 6346