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As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

American Airlines is taking its long-grounded Boeing 737 Max jets out of storage, updating key flight-control software, and flying the planes in preparation for the first flights with paying passengers later this month.The airline invited press reporters and photographers on board one of the planes Wednesday to demonstrate its confidence in the plane’s safety.All Max jets worldwide were grounded in March 2019 after the second of two crashes that together killed 346 people. Last month, the Federal Aviation Administration approved changes — mainly in flight-control software — that will allow airlines to resume flying the plane.American flew journalists from Dallas to the airline’s maintenance center in Tulsa, Oklahoma, where crews explained how they are bringing the planes out of storage and making FAA-required changes.American is likely to be the first carrier to put passengers on Max jets, beginning Dec. 29 with once-a-day round trips between New York and Miami. In the meantime, the airline plans flights with employees on board.Some relatives of people who died in the crashes — and who still believe the plane is unsafe — expressed outrage at both Boeing and American over what they termed a publicity stunt.Zipporah Kuria, a British citizen whose father died in the second Max crash, said Boeing and the FAA should instead turn over documents on changes made to fix the plane and how they were tested. The company has withheld the documents, saying they cover trade secrets.“I feel like Boeing is using the press to leverage public trust instead of actually genuinely earning public trust,” she said. “I’m really disgusted by the whole thing and the fact that American Airlines would pay for that. Their focus is more about the profit and corporate interest than it is about consumer safety.”Some people who lost family members believe that the FAA erred by not accepting all the recommendations made by pilots and aviation professionals during a public comment period on its proposal to let the plane fly again.Scrutiny of the plane has focused on a flight-control system called MCAS, which repeatedly pushed down the nose of the plane before both crashes. Boeing, which describes changes to the plane on its website, and the FAA say the system has been made less powerful and easier for pilots to override.Some of the family members, however, wanted a deeper, nose-to-tail review of the plane. And they don’t trust Boeing or the FAA, which allowed the plane to keep flying after the first crash, in Indonesia in 2018.“It hasn’t been evaluated to the point where we can say that it’s safe,” said Nadia Milleron, whose daughter was killed in the second crash, which occurred in Ethiopia. “This plane hasn’t flown very much with this new software, the revamped MCAS, interfacing with the plane. It’s not responsible for them to put you on this flight.”Chicago-based Boeing said Wednesday it has flown more than 1,400 test flights on updated Max planes. The FAA said its people put in 60,000 hours reviewing and testing Boeing’s work.American is likely to be the only U.S. carrier using the Max for several weeks. United Airlines expects to put the plane back in its schedule during the first quarter of next year, with Southwest following in the second quarter. Regulators in Europe and Brazil have cleared a path for their airlines to resume Max flights in a few weeks.It’s unclear whether the flying public will accept the plane or avoid it. Some industry officials believe that fear of getting on the plane has lessened with time. American says that if customers don’t want to fly on a Max, it will have the flexibility to put them on other planes.___David Koenig can be reached at www.twitter.com/airlinewriter 3739

ANAHEIM, Calif. (KGTV) - "Toy Story" fans will be "eternally grateful" when they visit Disneyland's Tomorrowland this summer.In honor of Pixar Fest, the park will transform Redd Rocket's Pizza Port into "Toy Story's" Alien Pizza Planet, featured prominently in the Pixar animated movies.Pizza Planet is most memorable for its host of little green aliens who worshipped "the claw" (a claw machine) and expressed gratitude upon their rescue from the pizza place (repeating "we are eternally grateful.")RELATED: Several Downtown Disney businesses to close for 700-room hotelAmong the delicious pizza additions will be a specialty pepperoni-green pepper pizza and cheeseburger pizza. The latter of which includes ketchup, yellow mustard and pizza sauce with cheese, slider patties, a house-made burger sauce, and pickles.The change is just one of the park's ways of celebrating Pixar Fest from April 13 through Sept. 3. The festival will cover both Disneyland and California Adventure parks.The festival will also feature the opening of Pixar Pier, where guests can run around with characters from "Toy Story," "The Incredibles," "WALL-E," and "Inside Out." The park will also bring back their Paint the Night parade and introduce a new Pixar-themed fireworks show. 1289

Artificial turf has been a staple in many pro sports stadiums for about 50 years. And while there's no doubt that AstroTurf and its modern equivalent, FieldTurf, have changed the way pro football and baseball have been played, the surfaces have generally been considered safe for athletes to play on.But on Monday, the NFL Player's Association formally called on team owners to "proactively change all field surfaces to natural grass," citing higher rates of injuries to players who are playing on artificial fields.In an open letter, NFLPA President J.C. Tretter — a center for Cleveland Browns in the midst of his eighth NFL season — claimed that most of his teammates preferred to play on grass, noting that his joints felt "noticeably stiffer" after playing on artificial turf."The unforgiving nature of artificial turf compounds the grind on the body we already bear from playing a contact sport," Tretter wrote.In his letter, Tretter wrote that real grass offers more "give," reducing the stress on feet, ankles and knees. He also noted that NFL injury data shows players have a 28% higher rate of non-contact lower extremity injuries when playing on artificial turf.Tretter also noted that despite harsh conditions, cold-weather cities like Cleveland, Green Bay and Pittsburgh still use traditional grass fields. In addition, indoor stadiums in Las Vegas and Phoenix also use grass surfaces."Agronomically, natural grass field surfaces are possible everywhere," Tretter said.As of 2020, 17 of 31 NFL stadiums use traditional grass.Tretter's letter comes weeks after the NFL was forced to inspect the artificial turf at MetLife Stadium — home of the Jets and Giants — after several high-profile players were injured in the surface in the opening weeks of the season. Among those hurt during weeks 2 and 3 of the season were 49ers players George Kittle Nick Bosa, Jimmy Garoppolo and Raheem Mostert.In 2015, Houston's NRG Stadium switched from natural grass to an artificial surface after more than a decade amid player criticism over injury concerns. Due to its retractable roof, groundskeepers grew grass in trays outdoors and then brought the trays indoors and assembled them together with forklifts to form the playing surface. Players claimed the system created seams in the playing surface which led to injuries, and the stadium even faced a lawsuit from a former player who claimed the grass led to a career-ending injury.Tretter's Browns teammate, wide receiver Odell Beckham Jr., was lost for the season this week after suffering an ACL tear while playing on an artificial surface at Paul Brown Stadium in Cincinnati on Sunday. 2649

An adviser to President-elect Joe Biden on the coronavirus is floating the idea of shutting down businesses for four-to-six weeks, and paying people for lost wages."With historic low interest rates, we could pay for a package right now to cover all of the wages, lost wages for individual workers, for losses to small companies, to medium-sized companies or city, state, county governments. We could do all of that," Dr. Michael Osterholm told Yahoo Finance. "If we did that, then we could lock down for four to six weeks."He said a four-to-six week lockdown could get Americans “cruising into the availability of the vaccine in the first or second quarter of next year, and open the economy before that.” 713

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