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Sometimes, all it takes is one phone call and you could save some money every month.  Scripps affiliate KTNV looked into three simple phone calls you can make.   189

Senate Minority Leader Chuck Schumer is pushing the incoming Biden administration to cancel up to ,000 in federal student loans when the president-elect takes office in January.His announcement comes as the nonpartisan Congressional Budget Office released data indicating that America’s student loan debt had increased by 700% during the period from 1995 through 2017.Schumer said that Biden can forgive the debt by executive action due to the Higher Education Act. The Trump administration previously cited the Higher Education Act in authorizing a freeze in student loan payments, which has been extended through the end of January.If Schumer has his way, the freeze would be made permanent for millions of student loan customers."College should be a ladder up but student debt makes it an anchor down. For far too many students and graduate students, some years out of school, student loans and federal student loans are becoming a forever burden," Schumer said. "They stand in the way of people getting the job they want, they stand in the way of buying a home, of starting a family, of buying a car and they hurt our economy dramatically.”Biden has not indicated support for the plan, and has instead offered a more modest recommendation of canceling up to ,000 in federal student loans.Loan burden increasingData released this week by the Congressional Budget Office shows that America’s collective student loan burden has increased seven times from 1995 through 2017 for a multitude of reasons.The CBO lays out a number of reasons why this has happened. One culprit is that borrowing from private, for-profit colleges has skyrocketed. Adding insult to injury, those who attend for-profit colleges and universities are more likely not to graduate, resulting in fewer job opportunities.The CBO also says that enrollment increased at universities across America through the late 90s and 00s, meaning there were simply more students to go into debt. The number of students taking out new loans did subside some after a 2011 peak, but remained higher in 2017 than they did in the 90s and much of the 00s.There has also been an arms race at universities to increase services to students, which increases costs. This comes while state support for public universities has decreased in recent years.Are student loans themselves responsible for increases to tuition?The CBO says that until recently, there was no evidence that an expansion to the federal student loan program was responsible for tuition increases at universities. But the CBO claimed that more recent data has suggested that federal student loans could result in increased tuition.The CBO cited a study conducted by Dr. Robert Kelchen of Seton Hall called “An Empirical Examination of the Bennett Hypothesis in Law School Price” among other studies.“Using data from 2001 to 2015 across public and private law schools and both interrupted time series and difference-in-differences analytical techniques, I found rather modest relationships across both public and private nonprofit law schools,” Kelchen wrote.College grads still fare better overallDespite all of the debt many college graduates face in the years, and even decades, after attending school, those with bachelor’s degrees or higher fare much better in the job market.According to the US Census’ 2019 data, the median income for a householder with a bachelor’s degree was ,036, with those with advanced degrees making even more. For those with an associate’s degree, a degree generally given to community college graduates, the median income was ,242. Those who attended some college, but did not have a degree, earned ,380 a year, while those who were high school graduates earned ,803.During the height of the pandemic, those with at least a four-year college degree were more likely to hang on to their job. The unemployment rate increased from 2.5% to 8.4% for those with a bachelor’s degree from March to April of 2020. Those with an associate’s degree or some college experience, but not a four-year degree, saw an unemployment rate increase from 3.7% to 15%.For those who graduated high school but did not attend college, the unemployment rate during the same period jumped from 6.8% to 21.2%.The most recent job figures, which were for the month of October, showed an unemployment rate of 4.2% for those with at least a four-year degree, 6.5% for those with an associate’s degree or some college, and 8.1% for those with a high school diploma and no college experience. 4529

Since the Parkland, Florida, school shooting on Valentine's Day, there have been at least 20 reports of other incidents involving a threat to a school or a weapon on a school campus.Spartanburg, South Carolina 217

Some of the biggest brands in the U.S. had ads running on the YouTube channels for far-right website InfoWars and its founder, notorious conspiracy theorist Alex Jones, and they say they had no idea YouTube was allowing their advertising to appear there.Last week, YouTube reprimanded the conspiracy theory site and Jones for violating its community guidelines after a video posted to The Alex Jones Channel, InfoWars' biggest YouTube account, claimed student anti-gun activists were actors.Now YouTube and Jones' channel on it are in the spotlight again. CNN has discovered ads on InfoWars' channels from companies and organizations such as Nike, Acer, 20th Century Fox, Paramount Network, the Mormon Church, Moen, Expedia, Alibaba, HomeAway, Mozilla, the NRA, Honey, Wix and ClassPass.Even an ad for USA for UNHCR, a group that supports the UN refugee agency UNHCR, asking for donations for Rohingya refugees was shown on an InfoWars YouTube channel.Many of the brands -- including Nike, Moen, Expedia, Acer, ClassPass, Honey, Alibaba and OneFamily -- have suspended ads on InfoWars' channels after being contacted by CNN for comment. The companies, with the exception of Alibaba, which declined to comment, said they had been unaware their ads were running on The Alex Jones Channel. CNN discovered the HomeAway advertising shortly before publishing this story, and has not yet received a response from that company.InfoWars and Jones are known for peddling conspiracy theories, including the false idea that the Sandy Hook Elementary School shooting in Newtown, Connecticut, in 2012 was a hoax.The brands purchased ad campaigns from YouTube, which is owned by Google, or through marketing companies that broadly targeted demographics and user behavior. Companies that purchase ads this way don't necessarily know where their commercials will eventually show up, but they can use exclusion filters to avoid having them appear on certain channels and kinds of content.Several brands expressed concern about the ads' placement to CNN and said they have reached out to YouTube about the situation.A Nike spokesperson said the company was "disturbed to learn that we appeared on [The Alex Jones Channel]." It has since asked YouTube to address why the channel wasn't flagged by a filter it had enabled.Nike, like some of the other brands, opted in to a "sensitive subject exclusion" filter to better control where its ads appear. The exclusion filters include, according to YouTube: "Tragedy and Conflict;" "Sensitive Social Issues;" "Sexually Suggestive Content;" "Sensational & Shocking;" and "Profanity & Rough Language."YouTube did not respond to questions from CNN about whether the channels should have been excluded by any of those filters."We have a filter and brand safety assurances from Google our content would never run around offensive content," a Paramount Network spokesperson said, adding that the company is trying to find out what "went wrong."An Acer spokesperson confirmed the company also had reached out to its partners at YouTube, saying its "existing filters should have prevented this." The spokesperson said the company has set up additional filters to further block its ads from appearing on "divisive channels in the future.""We take great measures to ensure our ads do not run on videos with sensitive content," a spokesperson for Grammarly, an online grammar-checker tool, told CNN on Friday. It was aware their ads had run on an InfoWars channel, the spokesperson said, and had been working closely with YouTube to ensure it didn't happen again.A half hour after it sent CNN that statement, Grammarly ads were still running on an InfoWars YouTube channel. Its ads were also running on a YouTube channel that did not appear to be explicitly affiliated with InfoWars, but reposted InfoWars videos.A Grammarly spokesperson said on Saturday the company had not been aware of the ads. "We have stringent sensitive subject exclusion filters in place with YouTube that we believed would exclude such channels. We've asked YouTube to ensure this does not happen again."CNN has asked YouTube for further comment, but has not yet heard back.Honey, a company that finds discounts for shoppers online, told CNN it unknowingly spent 9.64 to promote its brand on the Alex Jones YouTube channel. Honey said its first video ad appeared on the channel on January 21 and that eventually its ads on the channel received about 300 plays per day."[It] clearly was outside of our expectations [that this would happen by] using their sensitive subject exclusions tool," Honey co-founder Ryan Hudson told CNN.The company's ad continued to play on The Alex Jones Channel until Wednesday, when CNN asked if it had any comment on why the ad was running there.A spokesperson for 20th Century Fox said the company was unaware its ad had been placed on an InfoWars YouTube channel and after learning it had, immediately took it down. The company believes that it existing filters should have prevented it showing on the InfoWars channel.The company is now having further conversations with YouTube, the spokesperson said, "to make sure this never happens again," and has asked for a refund.A spokesperson for Mozilla told CNN, "We have explicit exclusions set up for our YouTube campaigns and should absolutely not have appeared alongside this content. We are disappointed to learn that YouTube's filters are not as effective as promised in preventing advertisements running alongside objectionable content. We've since reached out to Google and paused our advertising on the channel."A spokesperson for USA for UNHCR said that this was the group's first time running ads on YouTube, and that it would now pull its ads from all of YouTube, and has asked for money spent on InfoWars-related channels back.And a spokesperson for the Church of Jesus Christ of Latter-day Saints told CNN it has paused the specific ad campaign that ran on an InfoWars YouTube channel, and are looking into whether other ad campaigns are similarly affected.Related: USA Today publishes op-ed by InfoWars conspiracy theoristCompanies can prevent their ads from appearing on any channel, at any time, by adding those channels to their account's "blacklist." Some of the companies CNN spoke with said that when they purchased ads on YouTube, they specifically included some of InfoWars' YouTube channels on their "blacklist," but that they were unaware InfoWars had other YouTube channels.These moves come nearly a year after YouTube suffered an advertiser backlash when brands learned their promotional posts were appearing alongside extremist content.Late last year, YouTube CEO Susan Wojcicki said the service would take steps to ensure advertisers "that their ads are running alongside content that reflects their brand's values."YouTube declined to comment on InfoWars and content similar to it not being flagged by the "sensitive subject exclusion" filter but emphasized its commitment to being "an open platform.""We uphold free expression according to our Community Guidelines, even when there are views we don't agree with," a YouTube spokesperson said. "When videos are flagged to us that violate our guidelines, we immediately remove them. We do not allow ads to run on videos that deal with sensitive and tragic events."Honey is currently "investigating options with Google" to recover the money it spent.It's unclear if Jones has specifically profited from the ads. YouTube allows channels with over 1,000 subscribers and 4,000 annual watch hours to be monetized. At least seven out of the 11 InfoWars-related YouTube channels fall into this category, including the Alex Jones channel.A source with access to YouTube's Creator Studio management system said the videos on the Alex Jones channel are claimed by Jones' media organization Free Speech Systems, LLC. Depending on which policy an advertiser selects, a share of the money it pays YouTube could go to Jones' company.Infowars did not respond to a CNN request for comment.In the meantime, UK-based financial company OneFamily said it "alerted Google to recommend they add [The Alex Jones Channel] to their own blacklist." 8185

Spotify confirmed to Billboard Thursday that it will no longer promote R. Kelly's music on its editorial and algorithm-based playlists due to sexual misconduct allegations against the singer.In a statement to Billboard, the streaming service said it would no longer actively promote the singer's music under a new "Hateful Conduct" policy."We don’t censor content because of an artist’s or creator’s behavior, but we want our editorial decisions -- what we choose to program -- to reflect our values. When an artist or creator does something that is especially harmful or hateful, it may affect the ways we work with or support that artist or creator," Spotify's policy states.Spotify users can still access Kelly's music by going directly to his page, and users can still add his music to playlists they curate themselves.Kelly has been accused of sexual assault and statutory rape multiple times over the past 20 years. In 2001, a sex tape emerged that prosecutors alleged featured Kelly and an underaged girl. Kelly was found not guilty on 14 counts of child pornography in 2008 in connection with the tape.A number of women came told BuzzFeed in 2017 that Kelly was "brainwashing" victims into joining a sex "cult." Recently two more women came forward to BuzzFeed with similar allegations. Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1415