宜宾自体丰胸能保持多久(宜宾韩式定点双眼皮恢复期) (今日更新中)

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

TAMPA, Fla. — University of Tampa graduate Nneka Jones created a powerful piece of art that became a worldwide sensation in a single day."It's been crazy and humbling," says Jones, a 23-year-old talent from Trinidad and Tobago.Her untitled piece graces the cover of the current Time magazine, a call for equality in the shape of an American flag being restitched and reimagined. "We're reshaping it as a symbol of optimism, of working toward a better future that's more close-knit," says Nneka.Her original piece can be viewed at the Epicurean Hotel in Tampa this Saturday. For tickets, click here.When you see her work, look closer.It's not a painting. It's embroidery. All hand-stitched. The sewing needle is still there. "I don't want you to just look at the artwork simply for aesthetics," says Jones. "I want you to take a message away from it or have a dialogue with the people around you."The activist artist credits this unique approach to a UT professor who challenged her to make a painting — without using paint.Her work on social media, especially a traditional painted portrait of George Floyd, caught the eye of an art director at Time.For a special issue dedicated to social injustice and a push for true equality, all curated by musician Pharrell Williams no less, Nneka was called on for the cover.Due to deadlines, she had just 24 hours to stitch the whole thing."I was like, 'Nneka, what have you gotten yourself into?'" Jones says, laughing about the frenzy to finish.Her work is now generating conversation and debate, all of which she welcomes."I'm getting a lot of support from America, and all over the world," Jones says. "But also where I'm from, Trinidad and Tobago, because I believe I'm the first Trinidadian to be on the cover of Time magazine."This story was first reported by Sean Daly at WFTS in Tampa Bay, Florida. 1894

Talk about the ultimate "Fixer Upper."It was revealed Tuesday morning that HGTV is the new owner of 11222 Dilling St. in North Hollywood, California, also known as the iconic house used for the exterior shots of the beloved 1970s series "The Brady Bunch."David Zaslav, chief executive officer of HGTV's parent company Discovery, made the announcement during the company's second-quarter earnings call, a spokeswoman told CNN."One example of our new project for HGTV will speak to those 'Brady Bunch' fans on the call. ... You may have heard that the house from the iconic series was recently on the market in California," Zaslav said. "I'm excited to share that HGTV is the winning bidder and we'll restore the home to its 1970s glory as only HGTV can. More detail to come over the next few months, but we'll bring all the resources to bear to tell safe, fun stories with this beloved piece of American TV history." 923

The affected Ben & Jerry’s Coconut Seven Layer Bar bulk product is sold in a tub containing 2.4 gallons with a Consumer UPC of 076840104246 and best by date of SEP1520BJ4. The affected Ben & Jerry’s Chunky Monkey pint is sold in a pint tub (473 mL) with a Consumer UPC of 076840100354 and best by dates of AUG2820BH2, AUG2920BH2, or AUG3020BH2. 360

SYLMAR, LOS ANGELES (KGTV) -- Crews are battling a rapidly-spreading brush fire in northern Los Angeles County late Thursday night amid a statewide Red Flag Warnings.News station ABC7 is reporting that the 15-acre blaze, named Saddleridge Fire, is burning near homes and power lines.The fire erupted around 10 p.m. near the westbound 210 Freeway near Yarnell Street, according to the Los Angeles Fire Department.Flames stopped traffic along the 210 when the fire jumped from the westbound side to the eastbound side. Motorists are advised to avoid the area.Firefighters are facing strong Santa Ana winds which fueled several fires up and down California on Thursday.The Los Angeles Fire Department announced evacuations in the city of Sylmar."There are currently evacuations underway being directed by firefighters in the neighborhood affected," fire officials said.DEVELOPING: This story will be updated as more information becomes available.Firefighters battling multi-acre fire in #Sylmar. Multiple structures are threatened and evacuations underway near Saddle Ridge Road. https://t.co/HEXBHBXFIg— ABC7 Eyewitness News (@ABC7) October 11, 2019 1156

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