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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

Strong winds and heavy rain have battered parts of Italy, causing nine deaths and the worst flooding seen in Venice for at least a decade.Schools have been closed around the country and the authorities have warned against non-essential travel as the Civil Protection Agency issued multiple weather warnings.Two young people died south of Rome when a tree hit their car, while another person was killed in the nearby town of Terracina as winds brought down scores of pine trees. Among the other victims was a 21-year-old man who was hit by a falling tree while walking in Naples, while a woman died after being struck by debris blown off a building in the northern region of Liguria.A volunteer firefighter who was helping with the emergency response in San Martino in Badia in the country's north is also reported to have died.Much of the Italian lagoon city of Venice was engulfed with water after high tides and strong winds caused the most severe flooding for years. 977

'The Big Bang Theory' will go out with a bang in 2019.Warner Bros. Television, which produces the series, and CBS have announced that the comedy's upcoming Season 12 will be its last.The show will conclude as the longest-running multi-camera sitcom in TV history, the studio said.In a joint statement, Warner Bros. Television, CBS and Chuck Lorre Productions said: "We are forever grateful to our fans for their support of 'The Big Bang Theory' during the past twelve seasons. We, along with the cast, writers and crew, are extremely appreciative of the show's success and aim to deliver a final season, and series finale, that will bring 'The Big Bang Theory' to an epic creative close.""The Big Bang Theory" debuted in 2007 and has since notched 52 Emmy nominations and 10 wins, including four individual honors for Jim Parsons in the lead actor in a comedy category and one for Mayim Bialik for best supporting actress in a comedy series.The show, which began as a story about a group of sci-fi-loving intellectuals who form a pseudo-family, saw some dips in its ratings last year but largely remained a stalwart for CBS.The decision to bring the show to an end likely came despite efforts from the network to secure another season.Earlier this month, CBS Entertainment president Kelly Kahl said the network did not believe Season 12 would be it's last, saying they were "in preliminary discussions to renew the show."The series stars Parsons, Johnny Galecki, Simon Helberg, Kunal Nayyar, and Kaley Cuoco, as well as Bialik and Melissa Rauch, who joined the fold in later seasons.At its conclusion, the show will have aired 279 episodes.The final season debuts September 24. 1685

The Arizona state prison near Yuma is under lockdown after authorities were able to contain a riot involving hundreds of inmates Thursday night.Inmates reportedly attacked prison personnel around 6:45 p.m local time at the medium-custody Cheyenne Unit of the complex.Officials say around 600 inmates were involved in the disturbance, which included throwing rocks, setting fire to mattresses and other property in the yard and breaking into the prison health unit. ADC response and tactical teams from Yuma, Lewis, and Tucson complexes brought the incident under control around 9 pm., according to a statement from corrections officials.All prison staff are safe and accounted for.The inmates involved are being contained in a fenced recreation yard as ADC investigates. Additional criminal charges are pending for any inmates involved in violent activity.  900

The 11 children were so famished, the sheriff said, they "looked like third-world country refugees."But they weren't found in an underdeveloped country. They were discovered in a remote New Mexico compound where an underground trailer kept them hidden from the outside world."The only food we saw were a few potatoes and a box of rice in the filthy trailer," Taos County Sheriff Jerry Hogrefe said."But what was most surprising and heartbreaking was when the team located a total of five adults and 11 children that looked like third-world country refugees not only with no food or fresh water, but with no shoes, personal hygiene and basically dirty rags for clothing."Authorities were tipped off to the scene in Amalia, near the Colorado border, after someone forwarded a message believed to be from a third party. The message said, in part, "we are starving and need food and water." 894