. >> reporter: six months ago dave collier ditched his job in the sagging industry and signed up for computer coding school. >> people need apps to be built and data managed and people who can do that israel valuable. >> reporter: but the tuition put him $16,000 deeper in debt. just 26 dave are more than $50,000 in loans and needed to refinance fast. that's when we found upstart. >> i was able to consolidate 22,000 worth of credit card debt and cud my rate in half and accelerate my time line for getting out of debt in three years. >> reporter: it brought dave's rate down from as high as 19% to 8%, saving him more than $5,000. it's the brainchild of dare jurard, his goal to help people just like dave get cheaper credit. >> we're in the business of seeing signals that other people don't see it. >> reporter: instead credit history or fico score, upstart looks at your future. >> what you've done with credit in the mast, like to identify somebody's potential an where they are going. >> reporter: upstart asked where did you go to school, what did you study, and how much will you make in th

. >> reporter: six months ago, dave collier ditched his job in the sagging oil industry and signed upor computer coding school. >> people always need apps to be built and managed and people who are can do that are going to be valuable. >> reporter: but the tuition put him 16,000 dd deeper in debt. just 26, dave had more than $50,000 in loans and needed to refinance fast. that's when he found upstart. >> i was able to consolidate $22,000 worth of credit card debt, cut my rate in half, and accelerate my timeline for getting out of debt by about three years. >> reporter: in fact, upstart brought dave's right from as high as 19% to just 8%, saving him for man 5 now dollars. it's the brainchild of dave gerard, his goal to help people just like dave get cheaper credit. >> we're in the business of seeing signals about a person that others don't see. >> reporter: instead of focusing on your credit history or your fico score, upstart bets on your future. >> fico is inherently backward looking. what you've done with credit in the past, we like to view it as identifying somebody's potential, whe

. >> reporter: risk dave gerard is willing to shoulder while dave collier is looking forward to the future. olivia sterns, nbc news, san antonio. >>> and we're back in a moment with the american someone's hacked all our technology. technology... say, have you seen all the amazing technology in geico's mobile app? mobile app? look. electronic id cards, emergency roadside service, wow... yep, geico's mobile app works like a charm. geico. expect great savings and a whole lot more. with the pain and swelling of my moderate to severe rheumatoid arthritis... ordinary objects often seemed... intimidating. doing something simple... meant enduring a lot of pain. if ra is changing your view of everyday things orencia may help. orencia works differently by targeting a source of ra early in the inflammation process. for many, orencia provides long-term relief of ra symptoms. it's helped new ra patients and those not helped enough by other treatments. do not take orencia with another biologic medicine for ra due to an increased risk of serious infection. serious side effects can occur including fatal i

. >> why wouldn't dave collier, too? >> or jill martin. >> all after hearing loss can make you feel left out disconnected from life's every day moments causing a lot of friction and unnecessary stress. introducing totalcare, exclusively from hearusa- a revolutionary hearing program unlike anything you've ever experienced. our licensed hearing experts even use advanced otoscopic technology to show you what's happening inside your ear as part of the most complete and accurate hearing check up available today. you're going to be amazed by our advanced hearing aids. wow! thanks to hearing usa, i'm hearing things that i've missed out on for years. grandpa. i feel like my self again. so when it comes to your hearing don't trust anyone but hearusa. call today for your free video otoscopic hearing check up. free demonstration of the latest hearing aid technology. program, you get first class care, world class technology and a lifetime of better hearing. >> announcer: from nbc news this is "today." with kathie lee gifford and hod

. >> why wouldn't dave collier, >> announcer: from nbc news this is "today." kathie lee gifford and hoda kotb. live from studio 1a in rockefeller plaza. >> oh, yeah. we're just clapping for one of our camera men, tommy, who does that every day and makes us happy. it is winesday s "thing of you." >> chris young we know and cssadee pope we know from "the voice."

>> why wouldn't dave collier, too? >> or jill martin. how to organize your life. >> all after your local news a there has to be a way. carry the centimeter, divide by 3.14 something something something... [ beeping, whirring ] great caesar salad! and now the name your price tool shows people policy options to help fit their budget. is that a true story? yeah! people really do save an average of over $500 when they switch. i mean about you inventing it. and isn't that what really matters? so... cold but the sunshine looks good. let's find out about the warm up on the way. meteorologist randi rico is in with a look at conditions right now. flurries and light snow showers are fading this morning. to the far ne this tossed down a dusting. we stay cold and breezy today this morning wind chills are in the teens. this afternoon highs hit the upper 30s. it will feel like the 20s. tomorrow morning some parts of town could see a quick coating of snow but by lunchtime snow chances will turn to rain. cold rain expected through the afternoon. warmer

. >> why wouldn't dave collier, too? >> or jill martin. >> all after your local nbruck. we're following breaking news in charlotte -- where we've just learned, an eight-year-old boy who was hit by a car, has died. he was taken to "cmc" last night fron indian land. highway patrol says he was riding his bike without a helmet in the "glen laurel" neighborhood. officials say the boy rode through a stop sign and the car hit him. no word on if the driver will face any charges. more breaking news in chesterfield county, south carolina are no police officers working right now in pageland. this mass exodus happened last night, after the supended police chief, larry brown, was re- instated. brown was put on administrative leave, back in november. a reason was never released to the public. right now, chesterfield county sheriff's deputies are on patrol, providing protection in pageland. town officials will meet to discuss these issues at a meeting tonight at 7. its a clear morning... lets get a check of the foreast with larry .today...sunny. much cooler with highs in the lower 50s.

>> why wouldn't dave collier, too? >> or jill martin. how to organize your life. >>> live look there at the queensboro bridge. it's 9:57 on this wednesday, the second day of march. good morning. i'm michael gargiulo. >>> the "anthem of the seas" cruise ship back in new jersey after having to cut short they returned to b onne this morning, two days earlier than scheduled. royal caribbean says it's because of bad weather. the cruise line admits some passengers got sick and were receiving over-the-counter medication. it's not known how they became ill, but passengers told us this morning the crew was keeping the ship very clean. >> we have no experience about a virus or anything. none whatsoever. >> last month, the same ship was forced to return early to new jersey after sailing into some stormy weather. >>> want to check the weather right now. cloudy, windy. it's going to be 50 degrees, though. tonight down to 25. the windchill will make it feel like the teens. tomorrow a sunny start with snow late in the day, 38. friday snow continues in

. >> why wouldn't dave collier, too? >>> good morning. it is 9:58 on this wednesday morning. two bodies were found in a burning mobile home in polk county. the home is in lakeland on old polk city road. investigators tell us fire crews found the bodies when they were called to the fire. a dog was also found dead inside. we are following this story and we will bring you updates and more details as they become available on first at 4:00. >>> well, weather-wise, it is really nice out there. a little bit cloudier than yesterday. >> yeah, even with the clouds though, it still feels really nice. it's a great time of year. this is where the clouds are. and notice they are all south of the cold front. and it will come through and down as much as drop the humidity. so right now, upper 60s to low 70s. i am expecting 75 today. and behind the front, still mid- 70s. >> all right. >>> don't forget, first at 4:00 is the next newscast. cole cloud from bravo's "married to medicine." >> but i try to stay very true to who i am, even when it does get crazy. >> plus, i am tapping to stay fit. >>

. >> why wouldn't dave collier, too? >> or jill martin. how to organize your life. >> all after your loc this winter, you have the power to heal. because your purchase of vaseline intensive care lotion, supports the vaseline healing project. is "today." with kathie lee gifford and hoda kotb. live from studio 1a in rockefeller plaza. >> oh, yeah. all right. we're justlapping for one of our camera men, tommy, who does that every day and makes us happy. it is winesday wednesday. that is "thing of you." >> chris young we know and c a rks ssadee pope we know from "the voice." look who's cleaning up in the kitchen. works. >> from "fuller house." uncle joey is going to visit with us. >> also actor stephen baldwin is here. we're going to talk to him about his new cast.

. >> why wouldn't dave collier, too? >> or jill martin. how to organize your life. >>> good morning to you. sheli muniz. >> and i'm eric harryman. 9:56 now. that 14-year-old who accidentally shot and killed his friend while they were playing with a gun in miami gardens appeared in court. he's now facing manslaughter and gun possession charges related the judge is allowing him to go home with a gps monitor. >>> a peeping tom in miami locked away this morning. cops arrested him for burglary and voyeurism. investigators say home security cameras caught him in the act and then caught the confrontation with the homeowner when he was told to leave the property. >>> a quick checkon your wednesday forecast. >> a lot more folks getting out to the beach at this point enjoying the sunshine. with an offshore breeze, pretttt decent warm-up in place. winds fairly light. we're enjoying the sunshine coming in, pushing the temperatures into the mid-70s just a shade before 10:00. a warm afternoon, calling for a high of 85, partly to mostly cloudy skies and

. >> why wouldn't dave collier, too? >> or jill martin.fternoon and it will still be a warm and dry day with a high of 73 degrees in the east bay. the peninsula up to 70 degrees and also 73 in the south bay. san francisco we're getting ready for a high of 67 degrees. and in the tri-valley, 74. north bay, 70 degrees and rain moving in later on this evening. we will also have some scattered showers throughout the day tomorrow, and including -- continuing into the weekend. >>> let's get an update on what's happening on the roadways now with mike. >> san jose, northbound 101 starting to move a little better over the last five minutes breaking up the traffic flow here. we still have slowing north 85 right at 17. crash cleared a few minutes ago but we still have some recovery stick something around. 880 and 101 by the airport, but that's not unusual. bay bridge is moving better as well. one lane that was blocked at harrison on the westbound direction into san francisco has cleared. >>> happening now, uc berkeley health experts are looking into a

. >> why wouldn't dave collier, too? >> or jill martin.ist bill henley. bill, you wouldn't even know it rained today. >>> you would not. it's been so windy, it's dried things out in a hurry. the wind came out to push the rain out. you rarely see the waves and whitecaps on the lake. look at that wind blowing the clouds past the lake and bringing cold air. the winds increaseded in the mountains. now wind gusts of 40-mile-an-hour in mount pocano. 40-mile-an-hour wind gust in reading. and they tailer off a little bit in philadelphia, but still 37-mile-an-hour wind gusts in philadelphia. look at the windchills, teens in the mountains, 20s for the pennsylvania suburbs. 32 degrees in philadelphia. 30s in delaware and south jersey. >>> thank you, bill. we'll get a check on the roads with nbc 10 first-alert traffic reporter jessica boyington. >> hi, vai. we are watching the schuylkill expressway right now. not seeing a lot of delays. this is right near the vine street expressway. headed westbound we are doing better. a little more volume headed eas

. >> why wouldn't dave collier, too? >> or jill martin.g. d.c. mayor muriel bowser has pulled her support for the $7 billion pep co exlon merger. it laid out conditions for them to meet for approval. one of the conditions was eliminating a three year rate freeze for customers. both sides have ten days left to reach a deal. storm team 4 meteorologist chuck bell. it's getting colder. >> it looks as pretty as it did yesterday. it does not feel like yesterday. we topped out at 65 yesterday. we're down into the upper 30s and low 40s now. and temperatures will continue to fall this afternoon. wind chills are below freezing across the area now. so very cold weather has returned. a chance for snow and mixing snow and rain thursday night into friday. another chance for a flurry saturday night. but near 70 by midnext i'll see you at home. the egg mcmuffin. made with a fresh cracked egg and real butter. i'm lovin it. >> announcer: from nbc news this is "today." with kathie lee gifford and hoda kotb. live from studio 1a in rockefeller plaza. >> oh, ye

dave nethers has more from transferringng. >> the troopers believe they know what kind of car hit this man because they have collected parts of the car from the collision, video from a business on collier avenue shows what could be 44-year-old ron hubbard along the road sunday, the police callede to the scene after a driver called to say that theyth had to swerve to avoid the men on the road who was bleeding badly . the collected car car parts they said belonged to a black 2011 -- 2013 political and come his father police he was >> is just going to get worse as time goes by with the evidence we have at the scene that the scene and check the surveillance footage e so it just went to compound your problem so we would like for that person to come forwardbl . >> and he was taken to akron general hospital and in the icu and sunday she can help identify the driver called the highway patrol, dave nethers from the transferring.f >> police liquid are looking for two gunmen walked into a walgreens demanding cash about 1:30 a.m. on detroit avenue,bo bush recalled that they got away there was no injuries . >> a clip of family is safe after fire broke out,l eight including four children were asleep

as dave nethers reports from fox 8 studio at the university of akron.asn they believe they know what kind of car hitel is because they have parts from dakar, this is video, from a business on collier avenuefr shows a feature that figure that could be 44 -year-old ron hubbard along that roadur sending the police were called by a short partsts that belong they say to a 2011 -- 2013 corolla or they say is believed to have-- hit turned and left from his father believes that he was walking to his house and had. >> with the evidence gathered were going to check the area forhe surveillance video . we would like to individual to come forward. >> he said his father was a the icu on sunday at akron general, if you can identify the black toyota corolla with front end damage the highway patrol highway patrol would like you to call themeol. eight members while a memory foam lake driven family was safe after they they were alerted to their house that their house was on fire this morning rajesh joins us. >> everybody's okay okay because they have a working smoke alarm and the actions of a family member and two police officers. t >> a people including poor kids asleep inside of a home on the west