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Student loan borrowers getting a break on their payments right now are seeing an additional benefit. Their credit scores are going up.The average credit score of all student loan borrowers increased from 647 in March to 656 in June, according to a report from the Federal Bank of New York.Student loans can typically have a significant impact on your credit score if you have a lot of this debt, but your payment history accounts for the biggest part of your credit score.It's important to remember this pause on payments is only until the end of the year, currently.You need to prepare now for when those payments will start again and using a higher credit score now could help.“As your score improves, if that's the case, to shop around and move other high interest debt into lower interest rate accounts, if you're qualifying for those,” said Bruce McClary with the National Foundation for Credit Counseling.It's not just student loan debt people are figuring out how to manage. The average person working with a nonprofit credit counseling agency right now is coming in with ,000 in credit card debt spread across five credit cards. That's up from last year.“There's this insular bubble right now that's still relatively intact that's keeping people a float,” said McClary. “What we're fully expecting is when that ends, when that comes to a screeching halt, if the current situation with unemployment doesn't improve much more, there's going to be a floodtide of demand for the services that we're offering.”If your student loan payments are on hold, make sure you're checking your credit score regularly.Credit counseling experts say it's not widespread, but they have been seeing some issues of payments not being reported correctly.You can check for free weekly at AnnualCreditReport.com. 1807

Students around the country have started to sign petitions, demanding colleges reduce tuition costs amid the pandemic. A recent survey by OneClass.com shows 93 percent of college students feel tuition should be reduced this semester since most classes will be held online.“I feel terrible, you know, by this one semester that I have to pay the exact same amount as I would by getting a whole college experience,” said Gabrielle Perez.Perez is a junior at Michigan State University and is one of many college students demanding lower tuition with online classes. She started a petition at her school, claiming “online classes hold a far less value compared to those that were once in a classroom”“You are at a Big Ten school. I am paying for a Big Ten school. I’m not getting the Big Ten-school experience,” said Perez.Currently, MSU has only committed to a tuition freeze, which essentially keeps tuition the same as the previous two years. However, around the country, other higher education institutions have begun reducing their tuition.Georgetown University, Princeton University, Lafayette College, Rowan University, Spelman College, Clark Atlanta University, and American University are just some of the higher education institutions that have lowered tuition by 10 percent. Schools like Hampton University and Williams College have lowered their tuition by 15 percent, while Southern New Hampshire University (SNHU) announced it will be offering incoming freshman full-tuition scholarships for the first year. All other SNHU students will have their tuition rate slashed from ,000 to ,000.Most schools have held strong in maintaining current tuition rates, with a few even raising tuition.“You can’t talk about prices and what institutions are charging students without talking about cost,” said Denisa Gandara, an assistant professor of educational policy and leadership at Southern Methodist University. “In many cases, the costs are going up.”Gandara explained many higher education institutions are reluctant to reduce tuition because of additional costs this year. Those additional costs include the cost of remote-learning equipment, training instructors to teach remotely effectively, and higher health insurance premiums.“I imagine institutions are still looking at their numbers and trying to decide whether they do need to lower their prices to attract more students,” she said.Some fear a significant number of college students will drop out or take the semester off, and some students have threatened that in their petitions.“You have so much time to go back to college anyways, that this one semester or maybe a whole year is not going to define you,” said Perez.Financial experts like Calvin Williams, Jr., CEO at Freeman Capital, believe a semester or two away from a four-year higher education institution may not be so bad after all. In fact, from a financial perspective both short and long-term, he is encouraging students to do this.During this pandemic, his company has been providing college students with advice on how to save on college tuition. One major way to save, according to William, Jr., is to consider taking transferable classes at a community college where tuition is already drastically lower than that at a four-year college or university.“Going down the community college-first route, for at least a COVID time like this, it will allow you to save money on tuition on room and board, and you will have a lot of flexibility in a year or two when you transfer to a four-year, carry those credits but carry less debt,” said William, Jr. 3592

The Better Business Bureau (BBB) is warning the public about fake social media giveaways, where scammers use a technique called “like-farming.”The scam involves posts on Facebook, Instagram or other platforms that ask you to like or comment to enter for the chance to win something, like 0 in groceries for example.The catch is that many of these giveaways don’t actually exist. They’re created by scammers as a way of accumulating as many social media interactions as possible, according to the BBB.Once the scammers have garnered enough likes or comments, the BBB says they’ll edit the post and add something malicious, such as a link to malware.Other times, the BBB says the scammers will strip the original content off the page that has garnered likes and use it to promote “spammy” products or sell it on the black market.While these phony giveaways exist online, so do legitimate ones. The BBB has offered these tips to decipher which are real and which are fake:Look for the blue checkmark. Many social media platforms verify pages from brands and celebrities so that users can tell real pages from copycats. Make sure you look for that trust mark before liking and sharing content.Watch out for new accounts: If you think a giveaway is real, click on the business or celebrity’s profile. If it’s a new account with very little other content, that’s a big red flag.Look out for spelling errors and typos: Real brands use giveaways to promote their company. Spelling errors and typos will make them look bad! They are a big warning signs of a scam.The giveaway asks you to complete too many tasks: If a giveaway asks you to comment on multiple posts, follow several accounts, and tag a couple of brands, it becomes almost impossible to keep track of everyone participating and pick a winner at random (as required by law).There are no terms and conditions. Online giveaways should include contact details of the organizer, how to take part, how the winner will be selected, and eligibility requirements. If you don’t see information, that’s an instant red flag.Don’t click “like” on every post in your feed. Scammers are counting on getting as many mindless likes as possible, so be sure you only “like” posts and articles that are legitimate. Don’t help scammers spread their con. 2298

The American Bald Eagle, a federally protected bird once considered endangered, is facing a new threat.Conservationists say the birds are being poisoned, and the number of cases are rising — and some worry the problem will not slow down.Last year, the U.S. Department of Interior lifted a ban on hunting with lead bullets on wildlife refuges. However, it's still illegal to use lead ammo to hunt waterfowl.Many hunters say they use lead ammunition because it is heavier than steel or copper, meaning the bullet reaches the target more accurately. Lead ammo is also cheaper than steel or copper.Betsy Finch is the manager of the Fontenelle Forest Raptor Recovery, which holds dozens of birds of all kinds that need help until they are well enough to be freed or put to rest. She can easily tell when an eagle has lead poisoning."Inability to stand, convulsions, head tremors, difficulty breathing, gastrointestinal distress — because lead paralyzes the gut, so they can't digest food, dehydration," Finch said.The start of 2018 has been hard for Finch, putting her time and energy into sometimes a losing effort."Because there are others that need our help," she said.While she hopes hunters will think twice before firing off their rifles with lead bullets, she doesn't blame all hunters for the rising amounts of lead poisoning. Finch says it's often the hunter who are are the ones who find the sick eagles and bring them to the recovery center. 1490

STORY - One of the two girls who was molested by a La Jolla realtor faced the child predator at his sentencing Friday. Donald Hickey received a 25-years-to-life term as part of his plea deal in five felonies. In July, Hickey admitted to lewd and lascivious acts with a child and possession of child pornography. Prosecutors said the molestations occurred between 2009 and 2012. Hickey was caught thanks to a cyber tip submitted to the National Center for Missing and Exploited Children. Hickey apologized to his victims in court in August, saying “I’m sorry for everything that's happened. I take responsibility for it and I hope they do heal from it.'' ``No teenager should be in a situation where they sit down and think about what they're going to say to a pedophile,'' one of the girls said after Hickey pleaded guilty. ``No parent should have to decide whether or not to tell their child that they have been assaulted. I hate that you put my family in that position.'' City News Service contributed to this report. 1027