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The Black Lives Matter Global Network Foundation has established a fund worth more than million to aid organizations fighting institutional racism, in the wake of the George Floyd protests.On Wednesday, the foundation, which has been influential in the emergence of the broader Black Lives Matter movement, said it was setting aside million in donations to support black-led grassroots organizing groups. Last week, it unveiled a separate .5 million fund for its network of affiliate chapters.Beginning July 1, affiliated chapters can apply for unrestricted funding of up to 0,000 in multi-year grants, the foundation announced. Grants from both funds will be administered through a fiscal sponsor, said Kailee Scales, managing director of the foundation.“In this watershed moment for black power building ... it is critical that we democratize giving to ensure all of us have access to the resources we need to reverse centuries of disinvestment in black communities, and invest in a future where we can all be connected, represented and free,” Scales said in a statement to The Associated Press.According to the network’s website, the organization has more than a dozen active chapters, including Boston, Chicago, Washington, D.C., and Detroit, as well as in Canada. Its newest chapter is in South Bend, Indiana.The foundation told the AP it has received more than 1.1 million individual donations at an average of per gift since the death of Floyd, a black man who died May 25 pleading for air as a white Minneapolis police officer held a knee to his neck for nearly eight minutes. The surge of financial support adds to roughly .4 million in net assets the BLM Global Network had on hand last year, according to a 2019 financial statement of Thousand Currents, the fiscal sponsor which receives donations on the network’s behalf and then releases money to the group.Creation of the funds signals a growth in infrastructure for the network, which had been at odds with some local chapter organizers, who felt network leaders weren’t providing enough financial support for initiatives such as rapid response to police brutality. Although there are many groups that use “Black Lives Matter” or “BLM” in their names, only 16 are considered affiliates of the global network.For Black Lives Matter Los Angeles, the network’s first official chapter, the fund will increase its capacity to support families in need of legal aid, public communications strategy and other services after a loved one is killed by police, said organizer Melina Abdullah, who is a professor in the Pan-African Studies department at California State University, Los Angeles.“We’ve been struggling for seven years now with very limited resources,” Abdullah told the AP. “We’re not paid. But we also have real costs, even if we’re not taking salaries.”Renewed energy in the BLM movement has created a need for more resources, she added. “This fund will allow us to move forward in really strong ways.”Racial justice groups across the U.S. have reported receiving tens of millions of dollars in donations, particularly for community bail funds posting bond for protesters arrested in demonstrations. The wealth is being spread across younger grassroots organizations and legacy institutions, such as the NAACP Legal Defense and Education Fund and the National Urban League.The Black Lives Matter movement emerged in 2013 amid anger over the acquittal of George Zimmerman, the Florida man who shot and killed 17-year-old Trayvon Martin in 2012. The network of chapters was formed in 2014, following what organizers called Ferguson October, a national mobilization in response to the police shooting death of 18-year-old Michael Brown in Ferguson, Missouri.“I’m really proud of the work we’ve been able to do in the last seven years,” Patrisse Cullors, co-founder and chairwoman of the Black Lives Matter Global Network Foundation, said in a statement. “What is clear is that Black Lives Matter shares a name with a much larger movement and there are literally hundreds of organizations that do impactful racial and gender justice work who make up the fabric of this broader movement.”The foundation has already identified several movement organizations that it would like to support, said Cullors, who declined to name the groups. The foundation says it will “prioritize mutual aid organizations, direct service and organizations focused on creating sustainable improvements in the material conditions for all black people.” It also looks to support black lesbian, gay, bisexual and transgender-led groups.Over its nearly six years of existence, the BLM Global Network had received contributions from high-profile donors, including A-list entertainers such as Jay-Z, Beyoncé and Prince, who contributed to BLM mere weeks before his death in 2016. But unanswered questions of transparency and access to those gifts left some organizers in network affiliate chapters frustrated.In January 2018, a New York City chapter announced its decision to leave the BLM Global Network, citing the need for autonomy to better serve its community. In December 2019, a different group of organizers in New York rejoined the network, Scales said.In recent weeks, the BLM Global Network has had to debunk misinformation from conservative activists who claimed the group’s donations were being redirected to the Democratic Party.The network has also been in a tug of war with a California-based organization called the “Black Lives Matter Foundation,” which has accepted donations that do not support the movement. The other group reportedly raised millions of dollars in recent weeks from small individual gifts and from employees of large corporations, such as Apple and Microsoft, who believed they were supporting the Black Lives Matter Global Network Foundation.___Morrison is a member of the AP’s Race and Ethnicity team. Follow Morrison on Twitter at https://twitter.com/aaronlmorrison. 5969

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

The Big Ten and Pac-12 Conferences officially announced on Tuesday that they've postponed their upcoming 2020-21 college football season, which also includes all fall sports, due to the coronavirus pandemic.Both conferences are keeping the option of playing in the spring a possibility.Pac-12 said in a press release that when conditions improve, they'll consider a return to competition for impacted sports after January 1, 2021.“All of the Pac-12 presidents and chancellors understand the importance of this decision, and the disappointment it will create for our student-athletes, the coaches, support staff, and all of our fans,” said Michael H. Schill, president of the University of Oregon. “Ultimately, our decision was guided by science and a deep commitment to the health and welfare of student-athletes. We certainly hope that the Pac-12 will be able to return to competition in the New Year.”Pac-12 Commissioner Larry Scott said that playing in a bubble wouldn't work.“Unlike professional sports, college sports cannot operate in a bubble,” he said in the news release. “Our athletic programs are a part of broader campuses in communities where in many cases the prevalence of COVID-19 is significant. We will continue to monitor the situation and when conditions change we will be ready to explore all options to play the impacted sports in the new calendar year.”In a press release, the Big Ten conference said that multiple factors, which included advice and counsel of the Big Ten Task Force, contributed to them postponing fall sports.“The mental and physical health and welfare of our student-athletes have been at the center of every decision we have made regarding the ability to proceed forward,” said Big Ten Commissioner Kevin Warren in the statement. “As time progressed and after hours of discussion with our Big Ten Task Force for Emerging Infectious Diseases and the Big Ten Sports Medicine Committee, it became abundantly clear that there was too much uncertainty regarding potential medical risks to allow our student-athletes to compete this fall."The Big Ten Conference was the first major conference to cancel fall athletics.“We know how significant the student-athlete experience can be in shaping the future of talented young women and men who compete in the Big Ten Conference," said Warren in the statement. "Although that knowledge made this a painstaking decision, it did not make it difficult. While I know our decision today will be disappointing in many ways for our thousands of student-athletes and their families, I am heartened and inspired by their resilience, their insightful and discerning thoughts, and their participation through our conversations to this point. Everyone associated with the Big Ten Conference and its member institutions is committed to getting everyone back to competition as soon as it is safe to do so.”Along with football, the Big Ten said that men’s and women’s cross country, field hockey, men’s and women’s soccer, and women’s volleyball were also canceled.“Our primary responsibility is to make the best possible decisions in the interest of our students, faculty, and staff,” said Morton Schapiro, Chair of the Big Ten Council of Presidents/Chancellors and Northwestern University President.The Big Ten hopes to play football in the spring. 3325

Student loan borrowers are getting another break.A recent executive order signed by President Trump extends the suspension of payments and interest on federally-held student loans from September 30 to December 31, but certain details are still unclear.“The language isn’t super clear, so we student loan nerds are anxiously awaiting the Department of Education’s guidance, which we are expecting in the next couple of weeks for sure,” said Betsy Mayotte with The Institute of Student Loan Advisors (TISLA).Borrowers have reported their loan servicers are also awaiting direction from the Department of Education.Aside from a break in payments, Mayotte said there are programs borrowers in default should take advantage of during this COVID period.“Loan rehabilitation is kind of an awesome and unique thing for the federal student loan program. If you make nine consecutive on-time payments in an amount that’s based on your income, so the payments can be as low as , not only are you taken out of default, but they remove the default line from your credit report like it was never there. And the collection costs are significantly reduced,” said Mayotte.And right now, suspended payments will count toward rehabilitation.According to the department’s Federal Student Aid office: “If you enter a new rehabilitation agreement between March 13, 2020, and Sept. 30, 2020, suspended payments that would have been made from the beginning of your agreement until Sept. 30, 2020, will count.” “They’re counting this period like you’re making those rehab payments even though you don’t have to make them,” said Mayotte.It's still uncertain whether the same treatment will continue under the president’s executive order.Mayotte added that private student loan borrowers may want to consider refinancing now that interest rates have gone down.And even though payments for many borrowers have been suspended, it doesn’t mean you shouldn’t pay anything, especially for those still employed.With interest waived, anything you pay now will go directly towards your principal, so when payments resume, interest will collect on a lower balance.If you have questions about your loan or need help with a dispute, TISLA offers free advice.Also, check out StudentAidPandemic.org for up-to-the-minute guidance on student loans and financial aid during the COVID-19 pandemic.If borrowers need additional assistance with their student loan servicer, they should contact the Maryland Student Loan Ombudsman by email at studentloan.ombudsman@maryland.gov or by phone at 410-230-6185.This story was reported by Mallory Sofastaii at WMAR. 2631

Thanks @markwahlberg for visiting Camp Pendleton today! @mccsCP pic.twitter.com/yTpRQWIXHj— Camp Pendleton (@MCIWPendletonCA) March 27, 2019 154

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