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Police responded to the scene of a reported accidental death of a child after she was left in a hot vehicle in Nashville.According to Metro Nashville Police, a 1-year-old girl was found dead Wednesday after she'd been left in a car seat all day in a pickup truck.The truck was parked at the family's East Nashville home. Police said the adoptive father reportedly forgot about the child after dropping off her sibling at daycare.The adoptive mother found the girl in the vehicle Wednesday evening around 5:40. She was pronounced dead when she arrived to Vanderbilt University Medical Center.Police taped off the area of the home as they continued to investigate. 685

People with private student loans have been struggling during the pandemic. Their loans aren't eligible for the government's penalty-free repayment pause, which is in effect until at least Oct. 1 for federal student loans.About 70% of borrowers in a new survey from Student Loan Hero have been successful in getting their private lender to give them a break after they called to ask.Nearly three out of ten people in the survey with private student loans say they've thought about filing for bankruptcy over the last three months. Gen X has considered this the most.We talked to a certified student debt counselor and student loan lawyer, Christie Arkovich, who says a lot of people don’t realize you can discharge student loan debt in bankruptcy.“What we're targeting is someone who usually had federal loans and private loans and we are usually arguing that the private loans were taken outside the cost of education and therefor, they're just like any other debt, credit card debt and such, and they can be discharged,” said Arkovich.“Outside the cost of education” means more has been loaned out than what the person needed. Arkovich says her goal with bankruptcy cases is not to necessarily get rid of the entire debt, but to make payments sustainable and affordable, with an end date.Bankruptcy is an extreme measure and not for everyone.“Bankruptcy is a last resort option, because it will really force you not only as a student loan borrower but as a citizen and a consumer to start from scratch on your finances,” said Arkovich. “So, your student loan debt shouldn't be the only reason that you would consider bankruptcy.”One thing to consider first with private student loans is debt consolidation. You can work with a nonprofit credit counselor on that. There are also repayment assistance programs for private loans.Federal student loans have more options, including student loan forgiveness programs.For current students, make sure your FAFSA is up to date, so it reflects your family's current financial situations. After that, contact your school's financial aid office. Explain your situation if your family has lost income as a result of the pandemic.Colleges expect students to appeal their financial aid packages right now, and it may get you more money to help pay for school. 2304

Police are continuing to investigate an explosion outside an Episcopal church in southeast Texas.A package was detonated Thursday outside a building at St. Stephen's Episcopal Church, the Beaumont Police Department said."We are very blessed that no one was injured," said Rev. Steven Balke in a statement released by the The Episcopal Diocese of Texas. "We appreciate everyone's prayers at this time. It has made everyone very nervous." 444

PHOENIX — From top restaurants to moving companies, you have probably used Yelp before to find businesses to use. But have you ever thought to use the website to find a daycare?The site can sometimes be a dumping ground for complaints. So, is it credible when looking for someone to look after a child? Researchers at Arizona State University decided to find out.The study included 40 cities and roughly 50,000 submissions on nearly 10,000 childcare facilities. Three of those 40 cities were Phoenix, Mesa and Tucson.Researchers tell KNXV even they were shocked by the findings.They found, through the reviews, that a majority of parents were meticulous and detailed. More than 75 percent gave a 5-star review.As for why they decided research like this was important, ASU said they wanted to see exactly what parents were looking for in childcare, what they were saying in these reviews and how uncovering that could lead to policy changes that could benefit all children.But, despite overwhelmingly positive reviews, lower-income families often reported more bad experiences, disrespect and a lack of learning for their children.Chris Herbst, an associate professor at ASU, was deeply involved in this study. He hopes this research will encourage parents to keep documenting their experiences."It provides this sort of learning loop for childcare providers," Herbst explained. "So, if providers know the parents... feel a certain way about the program, then providers can use this information to inform their... quality improvement activities."While these reviews are a good start, Herbst stresses that parents have plenty of tools they can use, beyond just basing it on online reviews.One suggestion he gives is using the Quality Rating and Improvement System.Parents can search their state and look-up different facilities to see how this system evaluates and rates the program's quality.KNXV also reached out to Erin Raden for more tools and advice for parents. She is the executive director of the Arizona Early Childhood Education Association.In regards to using online reviews like Yelp, Raden said it is good to use. However, it should not be the only way you make a childcare decision."You may have a parent that's upset about something," Raden said. "And that might be the right choice for them to no longer take their child there. But that doesn't mean that it wouldn't be the right choice for you."Raden also suggests taking your time and visiting at least two or three facilities."It's just going to be a lot about what feels right to you and you should always trust your instincts," Raden explained.She said that it is not about a facility being the most beautiful place, but instead look at how the students are engaged with their instructors. 2826

PARADISE, Calif. (KGTV) -- A woman who owns property near the location where a deadly wildfire started in Northern California says she got an email from utility Pacific Gas & Electric Co. last week. It said crews needed to come on her property because their transmission system was causing sparks.It's still not clear what caused the massive fire that has killed 29 people. PG&E said Thursday it experienced a problem on an electrical transmission line near the site of the massive fire, minutes before the blaze broke out.It started in the area of 64 acres of land in Pulga, California, owned by Betsy Ann Cowley.RELATED: Billions worth of homes threatened by California wildfiresShe said she had received an email on Wednesday, the day before the fire started, saying that crews needed to come to her property.Cowley said the email said crews were coming to work on the high-power lines because "they were having problems with sparks."PG&E declined to discuss the email when contacted by The Associated Press.RELATED: Death toll rises in California wildfire, matching deadliestCalifornia fire investigators were at Cowley's property on Monday. 1175