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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

Supporters and opponents of the recent toppling of a Confederate monument in North Carolina turned out in Chapel Hill on Saturday to assert their stances.Seven arrests were made in connection to a gathering on McCorkle Place, the University of North Carolina-Chapel Hill media relations office said."Three arrests were for assault, the fourth for destruction of property and the fifth arrest for resisting an officer. The sixth arrest was for assault, destruction of property and inciting a riot. We are awaiting information on charges for the seventh arrest," the school said.Photos: Protesters topple Confederate statue at University of North Carolina at Chapel Hill?The rival rallies came after 250 protesters knocked over the University of North Carolina's controversial "Silent Sam" Confederate statue at the school on Monday night.On Saturday people congregated at and near the spot where the statue was torn down, news footage showed. Police were on the scene in numbers as people held banners, chanted and marched. Confederate flags could be seen. 1063

TAMPA, Fla. — If you’ve decided to keep your child home this semester for virtual learning, you may need to step up your shopping list game — because comfort is key!“They experience strain just like we do,” said Dr. Erin Mitchell, a Chiropractor in Clearwater.That strain on their neck and back can keep them from concentrating on the work in front of them plus, it hurts.“We shouldn’t be seeing kids with headaches. All of this stuff are symptoms of something going wrong that needs to be corrected,” she said.The corrections are pretty simple. Get a chair that fits your child or retrofit a chair for them.“For children, you want to make sure that the knees are going to be at the edge of the seat. Obviously for me, I don’t need that but if not you can also crop a pillow behind here,” Mitchell said, as she points to space between her back and the chair.Also, get a footstool to rest their feet on if they can’t touch the ground.Ankles, knees, and arms should be at a 90-degree angle, and don’t forget the computer.“You wanna make sure that your screen is right at eye level,” Dr. Mitchell said.Another headache trigger is the damaging blue light that comes from your laptop or computer screen. You can get glasses that block that.“It messes with your natural melatonin production which is what regulates your sleeping cycle,” she said.But most important, Dr. Mitchell says kids need to get up and move every 30 minutes to an hour.“We’re kind of designed to move. We’re not designed to sit for long periods of time and that’s gonna help with the kid's comfort as well as their concentration,” she said.Set timer as a reminder and change up the activities.Pictures of the "do’s and don'ts" were provided by AL-Inclusive Therapy Services and can be found on its website. You can also purchase your own copy of the learning guide — Discount code teach2020 will save you .This story was first reported by Heather Leigh at WFTS. 1937

Students and staffs of schools across the United States walked out of buildings and protested at statehouses in support of victims of gun violence, and seeking legislation aimed at making public spaces safer.The National School Walkout was organized by the Women's March youth branch, called EMPOWER. Walkouts occurred at schools at 10 a.m. Wednesday, March 14 in every time zone.Walkouts took place one month after a mass shooting at Marjory Stoneman Douglas High School in Parkland, Florida that claimed 17 lives. The shooting has further spurred a national conversation on gun control and school safety.See photos of school walkouts across the U.S. 679

The "box office" is now open for George Balanchine's The Nutcracker?, streaming on @MarqueeArtsTV Dec 11 - Jan 3. Get your ticket to our quintessential holiday ballet today: https://t.co/quqc3HQl1y pic.twitter.com/Byg7YdTmTK— nycballet (@nycballet) November 27, 2020 274

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