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Going to college can be life changing. For many students, that means studying something they enjoy, getting a degree in that subject and then chasing the American dream. But for others, pursuing a higher education can turn into a nightmare “I just felt so bad for my parents,” said college student Annalise Hoerter. “I was like, ‘they just spent so much money on me and now I have to get it back.” Hoerter attended the now defunct The Art Institute of Colorado for three-and-a-half years studying photography. With just six months shy of graduating, the school lost its accreditation and closed – costing Hoerter big bucks and causing her a whole lot of headaches “Right now, I’m in the hole for ,000,” she said. “That was definitely a dark cloud over the school.” Stories like Hoerter’s popped up across the country as several for-profit schools either lost their accreditation or shut down completely In 2016, one of the largest for-profit schools on the country, ITT Technical Institute, shut its door for good – sending some of its students into a frenzy and leaving them with massive debt. “At first, we were able to provide outreach and personalized guidance to help students to see how they might be able to transition from a for-profit college to a state institution,” said Richard Curtis of Cincinnati State Technical and Community College. The public college was one of several schools to reach out to former ITT Tech students and help them continue their education. “Our program chairs and our faculty, they worked directly with the students to help them evaluate their background so that they could get onto a new pathway,” he said. Though schools like Cincinnati State helped some students get back into school, many were still left with debt and nowhere to go. Rules for debt relief have changed with the presidential administrations. That's where organizations like the National Association of Student Financial Aid Administrators step in. NASFAA says it's helped more than 6,000 students at 30 closed institutions across the country apply to the department of education to get their student loans canceled.“There’s a lot of things that goes through a student’s mind when they’re informed that their school is closing down,” said Thad Spaulding, interim associate vice president of enrollment management at Metropolitan State University of Denver. Spaulding says prospective students need to do their homework before committing to any school – public or for-profit. “It’s warranted for students to do a little bit of time researching that they want to attend whether it be through studentaid.gov,” he said. Though Hoerter still carries tens of thousands of dollars of student debt, she was able to transfer to MSU Denver where she’s six months away from graduating and has accepted a job as a school photographer. For now, she says she’s working with a loan company in hopes of cutting down her Art Institute debt. “Which in the end is fantastic,” she said. “But it’s still ,000 of a degree that I’m never going to get.” 3056

Former Massachusetts Gov. Bill Weld announced Monday he is officially entering the race for president, becoming the first Republican to challenge President Donald Trump in the 2020 race."Ours is a nation built on courage, resilience, and independence. In these times of great political strife, when both major parties are entrenched in their 'win at all cost' battles, the voices of the American people are being ignored and our nation is suffering," Weld, who had previously formed an exploratory committee, said in a statement."It is time for patriotic men and women across our great nation to stand and plant a flag. It is time to return to the principles of Lincoln -- equality, dignity, and opportunity for all. There is no greater cause on earth than to preserve what truly makes America great. I am ready to lead that fight." 844

Houston officers have arrested a man they say fired a gun at the car of a family of four after an apparent "road rage incident," igniting the newly-purchased fireworks inside.Bayron J. Rivera, 18, is in custody and will be charged with four counts of aggravated assault, Harris County Sheriff Ed Gonzalez said Sunday. Rivera surrendered to investigators, he said.The children, a 1-year-old and a 2-year-old, sustained "severe burns" Thursday night and had to be life flighted for their injuries, according to Deputy Tom Turner with the Harris County Sheriff's Office violent crimes unit.Turner told reporters Thursday at the scene that two men had "exchanged words" and pulled into a gas station parking lot.Both men got out of their vehicles and one of them took out a firearm, Turner said.The other man, who had just purchased fireworks nearby, Turner said, returned to his car and started to leave with his wife and two children.That's when the suspect fired into their car, Turner said. One of the rounds hit the fireworks inside, "causing the fireworks to explode" and "catching the vehicle on fire."The man started to drive away but stopped, according to Turner. Some "good Samaritans" stopped to help the family and took them to a nearby urgent care clinic.The children were then life flighted to the University of Texas Medical Branch at Galveston with "severe burns," the deputy said. The mother and father were also transported to a hospital.The suspect, who fled the scene, was described by the victim as a mixed-race man in his 20s, Turner said. He was believed to be driving a light-colored, newer model Ford Expedition and he may have been with a woman and two other people.Anyone with information on the incident is asked to contact the 1764

Fear is infecting the stock market on concerns that the spread of the coronavirus will interfere with global trade. Over only six days, U.S. stocks have slid nail-bitingly close to a correction, defined as a 10% drop from the market top.It’s safe to say that only day traders like thinking about stock market corrections. But for the rest of us, trying to ignore market free falls is not a bad strategy, especially when it comes to a long-term goal like retirement.That’s because one of the best ways to make sure your retirement accounts survive economic turbulence is to fortify those accounts as well as you can and then go do something else, come what may.“Don’t get caught up in the motion of the market when investing for a long-term goal,” says Chris Remedios, a certified financial planner with Remedios Financial Planning in San Francisco. “If it makes you uncomfortable when things go down, don’t look.”Taking the steps below will help protect your 971

Have you ever considered traveling alone? It can be intimidating, especially as you get older. But Leyla Alyanak, who is in her 60s, says she prefers it. “Ninety percent of the time I travel on my own, and I love it," Alyanak says. She's traveled all over the world, from Kyrgyzstan and South Korea, all by herself. Alyanak took her first solo trip when she was just 15 years old. One of her favorite perks of traveling alone is the freedom. "The freedom to decide what I want to do, when I want to do," she says. While being adventurous is exhilarating, Alyanak says there are some downsides to traveling solo.First, it can be expensive. Because you’re alone, you don’t have someone to split the costs of lodging and other exposes. Secondly, there are times were a solo traveler can experience loneliness. However, Alyanak says traveling solo does force you to meet new people. Then, there’s the issue of safety. "Yes, there is a little bit more of vulnerability but nothing you can't prepare yourself against,” she says. “All you have to do is expect things are going to be like that you just need to be a little bit more careful and watchful." If traveling solo sounds fun but you're still unsure, Alyanak recommends planning a solo trip close to where you live. When you’re ready to go abroad, choose a country where English is prevalent, like Canada, England and Ireland. "Then, they should embrace a country where the tourist infrastructure is really good, but at the same time, the language is different,” Alyanak recommends. “But enough people do speak English in places like Mexico, Italy, Spain." Once you're feeling really adventurous, try a place with a language barrier. Alyanak says your saving grace will be the smartphone app Google Translator. "Going to a country where you don't speak the language or any of the languages, that can be a little unsettling, so I’m really glad I had the app with me. It made all the difference." She says all her experiences while traveling solo has given her a newfound confidence. "Take it easy,” she says. “Take baby steps. Start small and just relish the freedom that you are going to have all on your own." Alyanak blogs about her solo adventures and gives tips to those who are thinking about traveling alone on her website 2298