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techcrunchappcom · 4 years

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Survey reveals disparities in virus testing | News, Sports, Jobs

By Matt Westerhold

Special to the Times

Some public health directors in Ohio say there’s enough COVID-19 testing available in their communities, while others say the supply is woefully inadequate.

And in many health districts, the only way to get a test is if you’re sick with symptoms of the coronavirus or have insurance or the money to pay the out-of-pocket expenses associated with a test. The Register – along with partner newspapers – is conducting a statewide survey of health directors about the availability of tests.

“We have completed approximately 7,500 tests,” said Mike Samet, a spokesman for Hamilton County Public Health in Cincinnati. “Most of this was accomplished through pop-up sites with the Ohio National Guard.”

Samet said the testing available for Hamilton County’s 480,000 residents is adequate.

“We just launched a county-wide effort using some $18 million in CARES Act dollars to accomplish 175,000 tests by year-end.”

At the opposite end of the spectrum – population-wise – Paulding County in Northwest Ohio along the Indiana border, the public health agency does not provide any testing services for the county’s 19,500 residents. Testing is more available for residents who have insurance or an ability to pay out-of-pocket expenses, said Bill Edwards, nursing director with the county health department.

“Other agencies do offer other options,” Edwards said, referring to hospitals and other private healthcare providers.

But the available testing is “adequate,” Edwards said, and anyone who wants a test can get a test.

Asking questions

The Sandusky Register on Thursday sent questionnaires to 115 public health officials in Ohio, including county and municipal agencies, asking that it be completed and returned by a next Tuesday deadline. By late Friday, about a dozen agencies responded.

A question about the “anyone who wants a test can get a test” statement made by President Donald J. Trump in March drew a mix of responses.

As in Paulding County, the health department in Hocking County in south-central Ohio does not provide testing for its 29,000 residents, but the director there said residents aren’t complaining about wanting to test and being unable to get it.

“It appears that the testing level and availability is currently meeting the needs of our county,” said Doug Fisher, the county health commissioner. “Now that school is back in session and with flu season starting, I expect the need for testing to possibly increase.”

Fisher, like Edwards in Paulding County, could not estimate how many tests that have been conducted in his district since the pandemic began earlier this year, but like Edwards said, anyone who wants a test can get a test.

That’s not the case in Summit County, which has a population of 543,000. The health department, based in Akron, has exact numbers of how many tests it’s been able to deliver to residents at no-cost, and people who want to get tested cannot easily obtain a test.

“The testing capabilities are not adequate for the need,” Marlene Martin, the agency’s public information officer said.

“We have offered mass testing clinics in the past when the testing/lab capabilities were readily available, however, at this time we do not have the lab capacity to do mass testing or test just any community member who wants to be tested.”

The combined total of no-costs tests administered or distributed to the high-risk individuals in Summit County is just 3,927, she said.

“Testing is not readily available to any of our residents without symptoms at this point. I am sure, however, that those with insurance have an easier time getting tested should they show symptoms through their primary care physician.”

Haves, have-nots

Nearly 40% of the U.S. population is considered to be in a “low-income status” category, defined as 200 percent of the federal poverty level. For individuals, that is about $25,000 in annual income and for a family of four, it’s a combined annual income of $52,000 or less. Many in this category do not have a primary care physician or insurance, and for minorities, the problem is even more pronounced.

“So many of the individuals infected are asymptomatic that broader testing would help reduce the spread by those who may experience mild to no symptoms,” Martin said. “As schools start it is imperative we have increased testing opportunities to keep the students in school and stop outbreaks that may occur.”

In Hardin County, in Northwest Ohio, there’s a similar concern.

“The testing in our district is not adequate to the need, we still have people with mild symptoms or no symptoms who have had trouble getting a test,” said Kelsy Ralston, spokesperson for the Kenton-Hardin Public Health Department. “We would like to see testing improve, but will likely see it stay the same or deteriorate as we progress, being a small county our resources are limited.”

Hardin County has a population of 32,000 residents.

“It is still difficult for anyone to get tested in our county due to limited testing sites and criteria.”

Supply chain challenges

The inconsistencies across the state in the response to the pandemic have spawned a host of concerns – some of which are inane and dangerous and others that are real and deadly dangerous. Some Ohio lawmakers want to impeach Ohio Gov. Mike DeWine, making unsubstantiated complaints that he’s violated state law and overstepped his authority.

Dr. Amy Acton reportedly resigned as the state’s health director after proponents of this “hoax” conspiracy and anti-mask efforts – including the lawmakers pushing to impeach DeWine – took aim at her.

“State Rep. Nino Vitale, R-Urbana, called her ‘Doctor of Doom,’ a tyrant and a globalist, which the Anti-Defamation League of Cleveland condemned as an anti-Semitic slur. Lawmakers like Rep. Paul Zeltwanger, R-Mason, called on her to resign,” the Cincinnati Enquirer reported in June.

On Thursday, President Donald Trump accepted the Republican Party’s nomination to be president at the White House in front of a crowd estimated to be from 1,500 to 2,000, most of them not wearing masks. The mask-less event took place despite Trump’s own federal coronavirus response team recommendations to wear masks to slow the spread of COVID-19.

State health officials also support wearing masks and the other precautions ordered by the CDC, DeWine, the state health department and other municipal and state leaders.

“Wear your mask, stay 6 feet away from others, wash/sanitize hands often, stay home if you are sick or experience symptoms and frequently disinfect surfaces,” said Marlene Martin, the spokeswoman for the Summit County Health Department, a theme repeated in the responses the Register received.

The inconsistency in the message coming from Washington, and in testing availability across the state is hampering the pandemic response.

“Testing at the local level has been inconsistent and many variables exist from day-to-day, that impact availability,” said Erie County Health Commissioner Pete Schade. “Local health departments need to be able to obtain consistent supplies in order to carry through with known and well-defined response plans for situations like this pandemic.”

They know how to respond, Schade said, because public health agencies in the state worked together developing emergency response plans. But, the supply chain issues are damaging the effectiveness of that response.

“The pandemic offers many hurdles, and a truly great strategic plan addresses those hurdles. When testing supplies and laboratory use is altered and inconsistent, however, we witness the shortcomings.”

What’s next?

Testing needs to be a priority, now, and health agencies also must start planning for vaccination programs for when a vaccine becomes available.

“There are five key points in order to provide a COVID-19 vaccine to our community, when one becomes available,” Schade said. “Clearly, we do not have any information on a date or a supply or a distribution eligibility protocol, but my point is this: We, as local public health, will need to have an assurance that the vaccine will be available and that we will have the unencumbered ability to provide it to our community.”

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#disparities #reveals #survey #testing #virus #Sports

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ledenews · 4 years

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NCAA Max Games Reduction: A Reaction

The coronavirus pandemic hit colleges and universities where it hurts the most—in the pocketbook. From Division-I schools on down, there is ample pain to go around. The NCAA recently made a move to help ease that pain, at least as far as athletic department budgets are concerned. A key vote by the Division II President’s Council reduced not only the minimum number of game’s a team needed to play, but also the maximum. That number varies by sport, but it was done in effort to help reduce costs for member institutions. “The financial challenges faced by institutions because of COVID-19 are considerable, and, as we prepare for summer and fall, they continue to increase,” said Sandra Jordan, chancellor of South Carolina Aiken and chair of the Division II Presidents Council. “The approved reductions strike an important balance in providing schools with scheduling flexibility, maintaining competitive equity within the one-year reductions to minimums and maximums, and continuing to prioritize opportunities for student-athletes to compete in NCAA championships.” The reduction lasts for just the 2020-21 school year and will return to regular min and max levels for 2021-22.

Men's and women's soccer has been reduced to 14 games during the regular season. For Wheeling,, both teams have 14 conference games, so the Cardinals need only drop the non-conference games.

Uniquely Situated

The NCAA’s max numbers for various sports seem an effort to allow schools to trim all or a large portion of their non-conference schedule. Basketball, for instance, now has a maximum of 22 games. The Pennsylvania State Athletic Conference already plays a 22-game conference schedule, meaning adjusting those schedules is easy. Lop the non-conference games off the top, and be done. Easy-peasy. Football schedules were dropped from an 11-game max to 10. Because the closure of Urbana left a hole in the schedules of fellow Mountain East Conference members, in theory, nothing additional was needed. Only West Liberty, which worked quickly to fill that hole by adding a home date with G-MAC member Ohio Dominican, will need to drop one game from its slate. Most likely, the game that will be removed is the Sept. 3 home opener against Walsh. That game is the back end of a home-and-home contract. “I think because of the way the schedule falls, we’ll keep Ohio Dominican and drop the Walsh game,” West Liberty Athletics Director Lynn Ullom said. “But it’s not as simple as choosing one game, as they may have another game they want to keep instead.” ODU may have to keep WLU. The Panthers have four non-conference games on the schedule: a home date with Shepherd and road matchups at West Liberty, Ashland (G-MAC member starting in 2021) and Northern Michigan. One of those has to go, and unfortunately for ODU, it will likely be Shepherd. The Rams are members of the PSAC which already plays a 10-game conference schedule. The outlier is the Sept. 3 trip to Columbus to take on the Panthers. Which one do you think the Shepherd athletic department is angling to drop?

Wheeling University and other basketball teams in the MEC will play a 20-game conference schedule, leaving room for only two non-conference games.

Plusses and Minuses

The good news is sports, such a large fixture of Division II life, are returning. But the reduced capacity is limiting the experience somewhat for the thousands of athletes, a fact not lost on Ullom. “We don’t have to go out and find games, so there’s no headache aspect to it,” Ullom said. “But I’m a little sad and disappointed for the athletes. As a player or a coach, you want that competition, and I hate to see there are lost opportunities to compete.” Ullom knows that the pandemic placed added stress on budgets,nni and a majority of the games is a far better option than say half, or even none. Some colleges were forced to eliminate athletic programs entirely. Appalachian State recently announced having to cut its men’s soccer, tennis, and indoor track & field teams. It’s not the first institution to make such an announcement and likely won’t be the last. For programs that survive the fiscal axe, things are starting to improve. With more and more aspects of life once taken for granted being “reopened,” the crawl back to normalcy is quickening its pace. “On one hand, it’s disappointing, but on the other, we’re anxious to get all of the students around the country back to school,” said Wheeling University women’s basketball coach Mike Llanas. “Now that we are out and restaurants are open, more and more people are going out every day, and hopefully it keeps moving in a positive direction.” “But we’re excited to get (the students) back in the fall and return to academics and athletics.”

The Division II cross country teams will be limited to six events

Reduction Breakdown

Each sport has a different amount of games it can schedule. Spring sports like baseball and softball, which schedule doubleheaders primarily as a rule, are limited to 40 and 44, respectively. On the opposite end of the spectrum, cross country has been reduced to six regular season meets. That seems low, but in 2019, both the men’s’ and women’s’ teams at West Liberty and Wheeling had only four regular season meets. Ullom admitted he didn’t realize how few meets the teams run each season. His son, Jared, is an all-conference runner for the Hilltoppers, so he’s gotten a more up-close perspective in recent years. “They don’t run a lot of events,” Ullom said. “Not having a background in that sport, I was surprised at how few times they do run, but it’s all based on being fit and ready at the end of the season.” Below is the full maximum-game breakdown: Baseball: 40Basketball: 22Cross Country: 6Field Hockey: 14Football: 10Golf: 16Lacrosse 16:Rowing: 14Soccer: 14Softball 44:Swimming/Diving: 12Tennis: 17Track (Indoor and Outdoor): 14Volleyball: 20Wrestling: 12 Another factor is the loss of the exempting of two games for basketball, which allowed events like the MEC vs. PSAC challenge. “I think if we we’re hosting an event like that, we’d want to continue,” Llanas said. “But I think that all teams that have to travel for those crossover events have to look at it from a budgetary standpoint. I think coaches are going to look to stagger those non-conference games, maybe one this week, one the next, so you’re not playing two back to back and then waiting a week and a half to play again.” Read the full article

#division2 #MEC #MountainEast #NCAA #PSAC #WestLiberty #WheelingU #WLU #WU

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kurlykayaker · 4 years

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01-01-2020 woah

In the last 2 weeks/month, my life has undergone some serious changes. Changes, that I haven’t experienced for years. Naturally, our nervous system asks the mind and physical body, “What is going on dude? Why are you sleeping in a different bed? What happened to that *other routine*?” And, sometimes it can be helpful to see those changes - just on paper. Changes: +Quit job at hospital that I have maintained for almost 7 years +Mostly because I’m temporarily moving to Urbana, IL for a 16 week clinical +Actually made it home to Thanksgiving this semester (b/c the semester was lighter) +Placed more than half of my stuff in storage --> WOW +Am kind of “homeless” for one week before my clinical starts...and decided to not keep working in order to “try” to relax ; -hanging out in Columbus, OH +Been kind of talking to a gentleman - but not expecting anything +Completed an application for a residency -> literally worked on my essays for almost 1.5 months, having good friends edit and such - rereading and editing. I think the hardest of the changes involves the location because I have “my people” and “my places” that I visit - such as a coffee place I know well. Even if I don’t know the workers there like a best friend, it’s the familiarity. So, just telling myself - that within 2-3 weeks, I will develop a routine and familiarity with the places and people of Urbana, IL. I think a lot of the time when we are scared in life of changes - it’s a lot of time to do with the mental aspect and overthinking things, having TOO much time to think. On that note, I’m not going to get lost in my thoughts- but I will acknowledge the change, breathe, and go forward. It’s been a very successful break already - productive but also relaxing in getting to see family. It’s crazy to think that after I graduate on May 1, 2020 - I really don’t know where my feet will land. The beauty of physical therapy graduate school is that it provides you with such a rigid structure of what to expect and knowing where your “life is going to some degree.” Applying to residencies is fun and exciting, but I’m also not trying to expect too much with these -as it is a VERY rigorous process and competitive process. States that I’ve narrowed down to live include: Ohio, Illinois, Washington - maybe a northern state like Minnesota? Yup. I would need to visit Washington and any other states I put on that list. This is the first semester, I got all grades higher than a B- --> the lowest grade was a B+, and everything was an A - granted the rigor of this semester is just so relaxed compared to previous semesters. It thankfully raised my GPA from like a 3.1 to a 3.28 haha. I’ll take it gladly! Boards, boards, boards A BIG Deal, expensive, intense, and you want to be well prepared. I’m contemplating taking them either in April or July. If I can be successful during my clinical, I’ll take them in April but I’m not fully decided. If I take them in July, I can work part-time at the hospital possibly (my boss said she’d try to make that possible) - while studying more intensely. 2020 - 2020 - 2020 - a year I didn’t think I’d be alive for. Who looks that far forward when their daily struggle is sometimes too much? When you don’t think you’ll survive graduate school You get the idea... Grateful, blessed, elated, the unknown = scared... When you survive a tumultuous time - you’re kind of just using the best coping skills you have, because your body is under stress and you don’t think as clearly. Now that I’m getting “older” and I reflect over the past literally 4 years, I know internally I can be choosing healthier habits and thought processes - not to say that I was a raging alcoholic, or abandoned all duties. And if I was those things, no self-judgement. Looking into 2020, here are some examples of habits that I hope to modify/improve more--> change is a good word: sleeping in past ten/noon -> waking up earlier going to bed past midnight on week nights and most weekends --> going to bed earlier waiting to eat an actual meal till dinner --> eating more balanced meals more often eating mostly carbs and meat (no bueno) -> incorporate more veggies and healthy grains into my food intake (i.e. oatmeal, whole grains, etc.) spending SO much time on stupid apps like Grindr when in reality, they don’t get me anywhere --> participate in more grounded interactive activities like volunteering, hiking with a group, going to a young professionals groups, etc. not rushing everywhere last minute Example: Have to be at clinical site at 7:30. Wake up at 6:55am - ready by 7:08am -> leave myself 20 minutes to get there and start my day. Events such as traffic jams, or hitting all reds -> raises that HR ---> change = getting up earlier, having a slow morning (this will take time) .......ellipses because today is a new day to a BRAND new year, we get very cliche in this society with new year’s goals, but it’s all about claiming what is meaningful to you and telling society to f**k itself .....to you and your own mental health and maybe i’ll add- me writing on here more? haha

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alkepdmarilynnjy61insurance-blog · 5 years

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71 Colleges With ‘No Student Loans’ Policies

Cracking open an acceptance letter isn’t the only crucial moment of your summer before college. Decoding your award letter is just as significant.

After all, what good is being admitted if you can’t afford your way to campus?

Affordability, however, may no longer be a concern at dozens of schools around the country. They offer the most generous financial aid packages — no student loans necessary.

What is a no-loans policy?

America’s collective student loan debt stands at $1.56 trillion and growing, and many colleges and universities have decided they want to no part of increasing the figure.

Through so-called no-loans policies, these schools’ financial aid offices promise not to employ federal, institutional or private student loans to help you meet your cost of attendance. They replace debt with scholarships, grants and work-study opportunities, plus parent contributions when possible.

To be clear: If you decide to borrow money, these schools won’t stop you. Stanford University’s financial aid office says it will assist you in securing a loan if you decide you’d rather not spend the school year or summer working. (You might also resort to borrowing if your school’s no-loan package doesn’t cover the off-campus apartment or nonacademic expenses you might need to pay.)

Still, the following schools make it a point that you don’t have to take on debt to take on higher education.

71 colleges and universities with no-loans policies

Not all no-loan schools have the same offering. Some promise to help all students bypass borrowing, while others assist only low-income or in-state students avoid education debt.

All students

These 21 colleges and universities — including some prestigious schools with need-blind admissions and healthy endowments — will help all incoming students avoid student debt.

1. Amherst College

2. Berea College

3. Bowdoin College

4. Brown University

5. Colby College

6. College of the Ozarks

7. Columbia University

8. Davidson College

9. Harvard University

10. Haverford College

11. Johns Hopkins University

12. Northwestern University

13. Pomona College

14. Princeton University

15. Stanford University

16. Swarthmore College

17. University of Chicago

18. University of Pennsylvania

19. Vanderbilt University

20. Washington and Lee University

21. Yale University

Low-income students

These 24 schools reserve their no-loans policy for their lowest-income students. Each policy sets criteria for qualifying, including:

Household income (as it relates to the federal poverty line) and assets Expected Family Contribution (EFC) Eligibility for a Pell Grant or state grants and welfare programs

Your Free Application for Federal Student Aid (FAFSA) would give these schools the information they need to determine your eligibility for a loan-free aid package.

22. Arizona State University: Household income up to $25,000

23. California Institute of Technology: Household income below $60,000

24. Connecticut College: Household income $50,000 or below and EFC $5,000 or below

25. Cornell University: Household income below $60,000 and assets below $100,000

26. Dartmouth College: Household income below $100,000

27. Duke University: Household income below $40,000

28. Emory University: Household income below $50,000

29. Lafayette College: Household income below $50,000 and have limited assets

30. Lehigh University: Household income below $75,000 and assets below $500,000

31. Massachusetts Institute of Technology: Household income below $75,000 and have limited assets

32. Miami University (Ohio): Household income of $35,000 or less

33. Michigan State University: Household income at or below the poverty line

34. Oberlin College: Qualify for a Pell Grant

35. Rice University: Household income below $80,000

36. Tufts University: Household income below $40,000

37. University of California schools: Household income below $60,000

38. University of Maryland: An EFC of zero

39. University of North Carolina at Chapel Hill: Household income up to 200% of the poverty line

40. University of Virginia: Household income up to 200% of the poverty line

41. University of Washington: Household income up to about 235% of the poverty line and qualify for Pell Grants or state-needed grants

42. Vassar College: Household income below $60,000

43. Washington University: Household income below $75,000

44. Wellesley College: Household income $60,000 or below

45. Wesleyan University: Household income $40,000 or below

In-state students

Aside from chasing in-state tuition, there’s another reason to attend the college or university in your own backyard. It comes without strings — er, loans — attached.

If you don’t mind staying close to home, check out the no-loans requirements for these 26 schools, rounding out our overall list of 71:

Arizona

46. University of Arizona: Residents with a household income $42,400 or less who are eligible for a Pell Grant

California

47. University of California schools: Residents with a household income below $80,000

Colorado

48. Colorado State University-Pueblo: Residents with a household income below $50,000 who received a Pell Grant

Connecticut

49. Fairfield University: Bridgeport, Conn., high school graduates with a household income below $50,000

50. Sacred Heart University: Fairfield County high school graduates with a household income below $50,000

Florida

51. University of Florida: Residents with a household income below $40,000 seeking to become first-generation college graduates in their family

Georgia

52. Georgia Institute of Technology: Residents whose parents earn less than $33,300 per year

Illinois

53. Northern Illinois University: College freshman residents who are eligible for Pell and state grants

54. University of Illinois at Urbana-Champaign: Residents with a zero EFC and a household income below the poverty line

Indiana

55. Indiana University: Residents who completed the 21st Century Scholars application in middle school and are eligible for the federal government’s free lunch program

Kentucky

56. University of Louisville: Residents with household income below 150% of the poverty line

Massachusetts

57. Boston University: Residents who graduated from a public school in the state

58. College of Holy Cross: Worcester, Mass., residents with a household income below $50,000

Michigan

59. University of Michigan: Residents with a zero EFC who are pursuing their first bachelor’s degree

Minnesota

60. University of Minnesota schools: Residents attending school full time with a household income up to $100,000

North Carolina

61. Appalachian State University: Residents attending school full-time with a household income below the poverty line and a zero EFC

Ohio

62. University of Toledo: Residents graduating from an Ohio public high school with a 3.0 GPA who are eligible for the Pell Grant

Tennessee

63. Bryan College: Residents with a household income below $35,000 who are pursuing their first bachelor’s degree

64. University of Tennessee: Residents with a household income up to $40,000

Texas

65. Texas State University: Residents with a household income $25,000 or less who are pursuing their first bachelor’s degree

66. Lamar University: Residents with a household income below $25,001 who are eligible for a Pell Grant

67. University of Texas at El Paso: Residents with a household income below $30,000 or less

68. University of Texas at Dallas: Residents with a household income $25,000 or less who are attending school full-time and are eligible for Pell Grants

69. Texas A&M University: Residents with a household income $60,000 or less

Vermont

70. University of Vermont: Residents who are eligible for a Pell Grant

Virginia

71. College of William and Mary: Residents with a household income below $40,000

How to qualify for the no-loans schools on your college list

The FAFSA is a crucial step to affording any college. It will set the benchmark of your EFC and potentially work in your favor as you seek financial aid not offered directly by schools, perhaps in the form of private scholarships and grants from your state.

Contact the financial aid offices of your top schools, whether they have no-loans policies or not, to collect the latest information about their resources and support. You can determine what kind of aid you qualify for, and how to go about obtaining it.

If a handful of no-loans schools are on your college list and you’re eligible to benefit, you’re in luck. Keep in mind, however, that while generous aid could be handed out, gaining admission would still be up to you.

The information in this article is accurate as of the date of publishing.

Need a student loan? Here are our top student loan lenders of 2019!

LenderVariable APREligibility 1 Important Disclosures for Ascent. Ascent Disclosures

Before taking out private student loans, you should explore and compare all financial aid alternatives, including grants, scholarships, and federal student loans and consider your future monthly payments and income. Applying with a cosigner may improve your chance of getting approved and could help you qualify for a lower interest rate. Ascent Student Loans may be funded by Richland State Bank (RSB). Ascent Student Loan products are subject to credit qualification, completion of a loan application, verification of application information and certification of loan amount by a participating school. Loan products may not be available in certain jurisdictions, and certain restrictions, limitations; and terms and conditions may apply. Ascent is a federally registered trademark of Turnstile Capital Management (TCM) and may be used by RSB under limited license. Richland State Bank is a federally registered service mark of Richland State Bank.

Ascent rates are effective as of 04/01/2019 and include a 0.25% discount applied when a borrower in repayment elects automatic debit payments via their personal checking account. Competitive rates calculated monthly at the time of loan approval. Ascent Tuition Cosigned Loan: Variable rate loans are based on a margin between 2.00% and 11.00% plus the 1-Month London Interbank Offered Rate (LIBOR), rounded to the nearest 1/100th of a percent. The current LIBOR is 2.491%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an APR range between 4.24% – 13.24%. Fixed rate loans have an APR range between 5.07% – 14.15%. For Ascent Tuition loan current rates and repayment examples visit www.AscentTuition.com/APR. Ascent Independent Non-Cosigned Loan: Variable rate loans are based on a margin between 4.00% and 12.50% plus the 1-Month London Interbank Offered Rate (LIBOR), rounded to the nearest 1/100th of a percent. The current LIBOR is 2.491%, which may adjust monthly. Your interest rate may increase or decrease, based on LIBOR monthly changes, resulting in an APR range between 5.88% – 13.16%. Fixed rate loans have an APR range between 6.69% – 13.45%. For Ascent Independent non-cosigned loan current rates and repayment examples visit www.AscentIndependent.com/APR. Payments may be deferred. Subject to lender discretion, forbearance and/or deferment options may be available for borrowers who are encountering financial distress. Making interest only or partial interest payments while in school will not reduce the principal balance of the loan. There are three (3) flexible in-school repayment options that include fully deferred, interest only and $25 minimum repayment. Flexible repayment plans may be offered up to a fifteen (15) year repayment term for a variable rate loan and ten (10) year repayment term for a fixed rate loan. Students must be enrolled at least half-time at an eligible school. Minimum loan amount is $2,000. Interest rate reduction of 0.25% for enrollment in automatic debit applies only when the borrower and/or cosigner signs up for automatic payments and the regularly scheduled, current amount due (including full, flat, or interest only payments, as applicable) is successfully deducted from the designated bank account each month. Interest rate reduction(s) will not apply during periods when no payment is due, including periods of In-School, Deferment, Grace or Forbearance. If you have two (2) returned payments for Nonsufficient Funds, we may cancel your automatic debit enrollment and you will lose the 0.25% interest rate reduction. You will then need to re-qualify and re-enroll in automatic debit payments to receive the 0.25% interest rate reduction. All applicants (individual and cosigner) are required to complete a brief online financial literacy course as part of the application process to be eligible for funding. Eligibility, loan amount and other loan terms are dependent on several factors, which may include: loan product, other financial aid, creditworthiness, school, program, graduation date, major, cost of attendance and other factors. Aggregate loan limits may apply. The cost of attendance is determined and certified by the educational institution. The legal age for entering into contracts is eighteen (18) years of age in every state except Alabama where it is nineteen (19) years old, Nebraska where it is nineteen (19) years old (only for wards of the state), and Mississippi and Puerto Rico where it is twenty-one (21) years old. 1% Cash Back Graduation Reward subject to terms and conditions. Click here for details. In order to be eligible for the 1% Cash Back Graduation Reward, borrower must meet the following criteria after graduation: · The student borrower has graduated from the degree program that the loan was used to fund. · The student borrower may change majors and/or transfer to a different school, but must obtain the same level of degree (e.g. – undergraduate or graduate) · The graduation date is more than 90 days and less than five (5) years after the date of the loan’s first disbursement. · Any loan that the student has borrowed under the Ascent loan is not more than 30-days delinquent or in a default status as of the graduation date and until any Graduation Reward is paid. Students can apply to release their cosigner and continue with the loan in only their name after making the first 24 consecutive regularly scheduled full principal and interest payments on-time and meeting the other eligibility criteria to qualify for the loan without a cosigner.

* Application times vary depending on the applicants ability to supply the necessary information for submission.

2 Important Disclosures for CollegeAve. CollegeAve Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation. This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with an 8-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 7% variable Annual Percentage Rate (“APR”): 96 monthly payments of $179.28 while in the repayment period, for a total amount of payments of $17,211.20. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary. As certified by your school and less any other financial aid you might receive. Minimum $1,000.

Information advertised valid as of 4/1/2019. Variable interest rates may increase after consummation.

3 Important Disclosures for Discover. Discover Disclosures At least a 3.0 GPA (or equivalent) qualifies for a one-time cash reward of 1% of the loan amount of each new Discover undergraduate and graduate student loan. Reward redemption period is limited. Please visit DiscoverStudentLoans.com/Reward for any applicable reward terms and conditions. View Terms and Conditions at DiscoverStudentLoans.com/AutoDebitReward. * The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers. 4 = Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply. 5 Important Disclosures for SunTrust. SunTrust Disclosures

Before applying for a private student loan, SunTrust recommends comparing all financial aid alternatives including grants, scholarships, and both federal and private student loans. To view and compare the available features of SunTrust private student loans, visit https://www.suntrust.com/loans/student-loans/private.

Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this loan program without notice. Availability of all loan programs is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions.

Interest rates and APRs (Annual Percentage Rates) depend upon (a) the student’s and cosigner’s (if applicable) credit histories, (b) the repayment option and repayment term selected, (c) the requested loan amount and (d) other information provided on the online loan application. If approved, applicants will be notified of the rate applicable to your loan. Rates and terms effective for applications received on or after 3/1/2019. The current variable APRs for the program range from 4.251% APR to 13.250% APR and the current fixed APRs for the program range from 5.351% APR to 14.051% APR (the low APRs within these ranges assume a 7-year $10,000 loan, with two disbursements and no deferment; the high APRs within these ranges assume a 15-year $10,000 loan with two disbursements). The variable interest rate for each calendar month is calculated by adding the current One-month LIBOR index to your margin. LIBOR stands for London Interbank Offered Rate. The One-month LIBOR is published in the Money Rates section of The Wall Street Journal (Eastern Edition). The One-month LIBOR index is captured on the 25th day of the immediately preceding calendar month (or if the 25th is not a business day, the next business day thereafter), and is rounded up to the nearest 1/8th of one percent. The current One-month LIBOR index is 2.500% on 3/1/2019. The variable interest rate will increase or decrease if the One-month LIBOR index changes. The fixed rate assigned to a loan will never change except as required by law or if you request and qualify for the auto pay discount. Any applicant who applies for a loan the month of, the month prior to, or the month after the student’s graduation date, as stated on the application or certified by the school, will only be offered the Immediate Repayment option. The student must be enrolled at least half-time to be eligible for the partial interest, fully deferred and interest only repayment options unless the loan is being used for a past due balance and the student is out of school. With the Full Deferment option, payments may be deferred while the student is enrolled at least half-time at an approved school and during the six month grace period after graduation or dropping below half-time status, but the total initial deferment period, including the grace period, may not exceed 66 months from the first disbursement date. The Partial Interest Repayment option (paying $25 per month during in-school deferment) is only available on loans of $5,000 or more. For payment examples, see footnote 7. With the Immediate Repayment option, the first payment of principal and interest will be due approximately 30-60 calendar days after the final disbursement date and the minimum monthly payment is $50.00. There are no prepayment penalties. The 15-year term and Partial Interest Repayment option (paying $25 per month during in-school deferment) are only available for loan amounts of $5,000 or more. Making interest only or partial interest payments while in school deferment (including the grace period) will not reduce the principal balance of the loan. Payment examples within this footnote assume a 45-month deferment period, a six-month grace period before entering repayment and the Partial Interest Repayment option. 7-year term: $10,000 loan disbursed over two transactions with a 7-year repayment term (84 months) and 8.468% APR would result in a monthly principal and interest payment of $199.90. 10-year term: $10,000 loan disbursed over two transactions with a 10-year repayment term (120 months) and 8.938% APR would result in a monthly principal and interest payment of $162.92. 15-year term: $10,000 loan disbursed over two transactions with a 15-year repayment term (180 months) and 9.423% APR would result in a monthly principal and interest payment of $136.90. The 2% principal reduction is based on the total dollar amount of all disbursements made, excluding any amounts that are reduced, cancelled, or returned. To receive this principal reduction, it must be requested from the servicer, the student borrower must have earned a bachelor’s degree or higher and proof of such graduation (e.g. copy of diploma, final transcript or letter on school letterhead) must be provided to the servicer. This reward is available once during the life of the loan, regardless of whether the student receives more than one degree. Earn an interest rate reduction for making automatic payments of principal and interest from a bank account (“auto pay discount”). Earn a 0.25% interest rate reduction when you auto pay from any bank account and an extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank checking, savings, or money market account. The auto pay discount will continue until (1) automatic deduction of payments is stopped (including during any deferment or forbearance) or (2) three automatic deductions are returned for insufficient funds during the life of the loan. The extra 0.25% interest rate reduction when you auto pay from a SunTrust Bank account will be applied after the first automatic payment is successfully deducted and will be removed for the reasons stated above. In the event the auto pay discount is removed, the loan will accrue interest at the rate stated in your Credit Agreement. The auto pay discount is not available when payments are deferred or when the loan is in forbearance, even if payments are being made. A cosigner may be released from the loan upon request to the servicer provided that the student borrower is a U.S. citizen or permanent resident alien, has met credit criteria and met either one of the following payment conditions: (a) the first 36 consecutive monthly principal and interest payments have been made on-time (received by the servicer within 10 calendar days after their due date) or (b) the loan has not had any late payments and has been prepaid prior to the end of the first 36 months of scheduled principal and interest payments in an amount equal to the first 36 months of scheduled principal and interest payments (based on the monthly payment amount in effect when you make the most recent payment). As an example, if you have made 30 months of consecutive on-time payments, and then, based on the monthly payment amount in effect on the due date of your 31st consecutive monthly payment, you pay a lump sum equal to 6 months of payments, you will have satisfied the payment condition. Cosigner release may not be available if a loan is in forbearance. If the student dies after any part of the loan has been disbursed, and the loan has not been charged off due to non-payment or bankruptcy, then the outstanding balance will be forgiven if the servicer is informed of the student’s death and receives acceptable proof of death. If the student becomes totally and permanently disabled after any part of the loan has been disbursed and the loan has not been charged off due to non-payment or bankruptcy, the loan will be forgiven upon the servicer’s receipt and approval of a completed discharge application. If the student borrower dies or becomes totally and permanently disabled prior to the full disbursement of the loan, and the loan is forgiven, all future disbursements will be cancelled. Loan forgiveness for student death or disability is available at any point throughout the life of the loan. 6 Important Disclosures for LendKey. LendKey Disclosures

Additional terms and conditions apply. For more details see LendKey

7 Important Disclosures for CommonBond. CommonBond Disclosures

A government loan is made according to rules set by the U.S. Department of Education. Government loans have fixed interest rates, meaning that the interest rate on a government loan will never go up or down.

Government loans also permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.

Depending on what type of government loan that you have, you may be eligible for loan forgiveness in exchange for performing certain types of public service. If you are an active-duty service member and you obtained your government loan before you were called to active duty, you are entitled to interest rate and repayment benefits for your loan. If you are unable to pay your government loan, the government can refer your loan to a collection agency or sue you for the unpaid amount. In addition, the government has special powers to collect the loan, such as taking your tax refund and applying it to your loan balance.

A private student loan is not a government loan and is not regulated by the Department of Education. A private student loan is instead regulated like other consumer loans under both state and federal law and by the terms of the promissory note with your lender. If you refinance your government loan, your new lender will use the proceeds of your new loan to pay off your government loan. Private student loan lenders do not have to honor any of the benefits that apply to government loans. Because your government loan will be gone after refinancing, you will lose any benefits that apply to that loan. If you are an active-duty service member, your new loan will not be eligible for service member benefits. Most importantly, once you refinance your government loan, you will not able to reinstate your government loan if you become dissatisfied with the terms of your private student loan.

If your private student loan has a fixed interest rate, then that rate will never go up or down. If your private student loan has a variable interest rate, then that rate will vary depending on an index rate disclosed in your application. If the interest rate on the new private student loan is less than the interest rate on your government loans, your payments will be less if you refinance. If you are a borrower with a secure job, emergency savings, strong credit and are unlikely to need any of the options available to distressed borrowers of government loans, a refinance of your government loans into a private student loan may be attractive to you. You should consider the costs and benefits of refinancing carefully before you refinance.

If you don’t pay a private student loan as agreed, the lender can refer your loan to a collection agency or sue you for the unpaid amount.

Remember also that like government loans, most private loans cannot be discharged if you file bankruptcy unless you can demonstrate that repayment of the loan would cause you an undue hardship. In most bankruptcy courts, proving undue hardship is very difficult for most borrowers.

8 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Undergraduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 4.45%-12.42% (4.45%-12.32% APR) and will fluctuate over the term of the loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.74%-12.19% (5.74% – 12.09% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of the loan. Graduate Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 4.45% – 12.18% (4.45% – 11.82% APR) and will fluctuate over the term of your loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 5.74% – 11.95% (5.74% – 11.65% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown requires application with a co-signer, are for eligible applicants, require a 5-year repayment term, borrower making scheduled payments while in school and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. You will be presented with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Citizens One Student Loan Eligibility: Borrowers must be enrolled at least half-time in a degree-granting program at an eligible institution. Borrowers must be a U.S. citizen or permanent resident or an international borrower/eligible non-citizen with a creditworthy U.S. citizen or permanent resident co-signer. For borrowers who have not attained the age of majority in their state of residence, a co-signer is required. Citizens One reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Citizens One Student Loans private student loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, and if applicable, self-certification form, school certification of the loan amount, and student’s enrollment at a Citizens One Student Loans-participating school. Please Note: International Students are not eligible for the multi-year approval feature. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 4.24% – 13.24%1Undergraduate and Graduate

Visit Ascent

4.07% – 11.32%2Undergraduate, Graduate, and Parents

Visit CollegeAve

4.84% – 13.49%3Undergraduate and Graduate

Visit Discover

4.50% – 10.11%*,4Undergraduate and Graduate

Visit SallieMae

4.25% – 13.25%5Undergraduate and Graduate

Visit SunTrust

5.85% – 6.99%6Undergraduate and Graduate

Visit LendKey

3.95% – 9.81%7Undergraduate, Graduate, and Parents

Visit CommonBond

4.45% – 12.42%8Undergraduate, Graduate, and Parents

Visit Citizens

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