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Salvador gang arranged ‘black widow’ killing for insurance

SAN SALVADOR, El Salvador (AP) — El Salvador’s brutal street gangs have been involved in every kind of criminal activity imaginable: drugs, extortion, prostitution, murder, kidnapping.

But even authorities were surprised when a woman escaped the Mara Salvatrucha gang and told prosecutors its members had kidnapped her and forced her into a “black widow” arranged marriage. After the wedding, her new husband was killed in order to collect an insurance policy.

The gang’s hook for her prospective husband was also novel: They advertised the woman as a U.S. citizen who could get her husband a coveted entry visa to the United States.

Hers is not the only such case. Prosecutors have located and are protecting another woman who was forced into the same scheme. They say that in the two cases, in 2014 and 2016, insurance policies worth $62,000 and $30,000 were either taken out or collected. They also are investigating two suspected cases involving insurances policies of about $15,000 apiece.

Prosecutors say their efforts at determining the scope of the scam are complicated by the fact that Mara Salvatrucha may be using its own female members — who are much less likely to talk — in the frauds. Or a more sinister possibility is that the gang is killing the women as well after the policies on their slain husbands are collected.

Mara Salvatrucha is one of the three main crime organizations in El Salvador, and so far it is the only one that authorities have seen involved in the insurance scheme. The country’s insurance association said it could not discuss the cases because they are still under investigation.

The suspected crimes involve a huge amount of planning and sophistication, and illustrate the control the gangs have over some neighborhoods, experts say.

“It was a very sophisticated, well-planned operation,” said Violeta Olivares, the head of the prosecutor’s office for human trafficking. “We have two women who were recruited under the same circumstances, and who were forced through threats, physical and psychological violence and even sexual violence, to marry two men whom they didn’t know.”

The scheme came to light when the first “bride” escaped her captors and went to prosecutors, who have granted her protection. Her name has been withheld by authorities for fear of gang reprisals.

Her nightmare began when she got what she thought was a domestic-help job from a woman called Esmeralda Aravel Flores Acosta. But when she arrived at the house she was supposed to clean, she realized it was a Mara Salvatrucha safe house.

“You are going to have to stay here whether you like it or not,” the house’s gang occupants told her, according to Olivares. “You are going to marry a stranger, and you’re going to tell him you have U.S. citizenship.”

And she did. The gang dressed her in white and took her to a town in western El Salvador, where they had her marry a man named Marvin Reyes.

Before the marriage, gang members told Reyes to take out a life insurance policy, arguing that U.S. immigration authorities wanted to see such a policy before granting him a visa, prosecutors said. The gang also probably charged Reyes for the “privilege” of marrying a U.S. citizen, but authorities don’t know how much.

Then, about a month after the wedding, the woman was informed that her husband had met a violent death. The gang ordered the “widow” to go to the morgue to claim the body and then go to the insurance office to claim the policy benefits. All the time, she was accompanied by gang members.

Eventually, the woman managed to flee the gang and contacted prosecutors, who raided the house where she had been held and found $4,000 in cash.

Police have arrested three women in the case. They are facing charges of human trafficking and conspiracy to commit homicide and fraud, and could face 20 years in prison. Other participants in the scheme are being sought.

The Associated Press was unable to contact Reyes’ family, because prosecutors declined to reveal his relatives’ names and contact information.

Activists say it is difficult to know how many women have been victims of the scam because so many women in El Salvador disappear.

“Women disappear and they are found days or months later,” says a report by the nonprofit advocacy group Talk To Me About Respect. “Some have suffered abuse and extreme violence, while in other cases, only their lifeless bodies are found.”

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. 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If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. 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