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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

Here's what's happening in the political world Saturday, Aug. 18, 2018.War of words between Former CIA Director, President Trump— Former CIA Director John Brennan criticized President Trump Friday, saying he is "drunk on power," days after his security clearance was revoked by the president."The fact that he's using a security clearance of a former CIA director as a pawn in his public relations strategy I think is just so reflective of somebody who, quite frankly, I don't want to use this term maybe, but he's drunk on power. He really is, and I think he's abusing the powers of that office," Brennan told MSNBC's Rachel Maddow during an interview.Trump pulled Brennan's clearance on Wednesday. The former CIA head has been critical of Trump, who has accused Brennan of "lying" and giving "increasingly frenzied commentary" on television.Trump responded Saturday, calling Brennan a "loudmouth, partisan, political hack who cannot be trusted with the secrets to our country!"Read more.Manafort trial jury to continue deliberations Monday— Jurors will continue their deliberations in the trial of former Trump campaign chairman Paul Manafort.Manafort is charged with 18 counts of tax evasion, bank fraud, and hiding foreign bank accounts as part of special counsel Robert Mueller's investigation into Russian interference in the 2016 US election."I think the whole Manafort trial is very sad. ... I think it's a very sad day for our country," the President said at the White House. "He happens to be a very good person, and I think it's very sad what they've done to Paul Manafort."Manafort's defense attorney Kevin Downing told reporters they "really appreciate the support of President Trump." 1721

Hoover police can't seem to get their story straight on why an officer killed a man at an Alabama mall.First, they said a 21-year-old suspect shot and wounded two other people. Then they said?Emantic Bradford didn't pull the trigger, but brandished a gun. Now we've learned Bradford didn't necessarily do that, either.All the while, the real assailant who opened fire at the mall is still on the loose.Here's a quick breakdown of shifting police narrative: 469

Here are the Greek names for the 2020 Atlantic Hurricane Season for reference. pic.twitter.com/YsrpliN9fF— National Hurricane Center (@NHC_Atlantic) September 18, 2020 175

Hillary Clinton told CNN on Wednesday that it is time to abolish the Electoral College, part of a sweeping interview where the former Democratic nominee sought to explain why she lost the 2016 election.Clinton, in the interview with CNN's Anderson Cooper, displayed her animus for fired FBI Director James Comey, reflected on her love for the people -- namely former President Bill Clinton -- who helped her get through the crushing loss and blasted the arcane election body that she believes helped Donald Trump win the presidency. 540