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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

Another reason to wash those hands, Thursday is Global Handwashing Day.October 15 has been designated as a day to remember that “soap and water is one of the best steps we can take to avoid getting sick and spreading germs to others,” according to the Centers for Disease Control and Prevention.Global Handwashing Day was established in 2008 by the Global Handwashing Partnership, an international organization dedicated to awareness about the health and economic benefits of handwashing hygiene and making clean water and soap available to all.This year’s Global Handwashing Day is also a reminder that proper handwashing with soap is a recognized way to stop the spread of the coronavirus.This year’s theme is “hand hygiene for all” and “calls for institutions and individuals to improve hand hygiene efforts in the COVID-19 response that can outlast the pandemic and ensure continued access to clean water and soap,” the CDC says.The CDC estimates that the number of colds and respiratory illnesses in a community could be reduced between 16-21 percent with handwashing education.The CDC has some recommendations for proper handwashing:There are 5 easy steps to washing hands: wet, lather, scrub, rinse and dry.Wash for 20 seconds with soap and water.Make it part of the routine:Before you eatAfter using the restroomComing inside from spending time outside or in publicAdults can be a good role model and wash hands often.With younger children, make it a family activity and wash hands together.Choose a song or music verse to sing while washing. Need ideas? Try this, this or this (including hits from Prince, Lizzo, Toto and Beyonce). Yes, even older kids can sing while washing their hands. 1705

As embattled Missouri Gov. Eric Greitens' legal and political woes deepen, some White House officials are inquiring whether the controversy could also envelop the governor's former top campaign adviser, Nick Ayers, who is now Vice President Mike Pence's chief of staff.Multiple officials in President Donald Trump's administration have privately put out feelers with Missouri Republican leaders in recent days to gauge whether Ayers would be interviewed as part of the state House committee investigation into Greitens, according to two sources familiar with the conversations.Ayers signed on with Greitens in 2015, but it is unclear exactly when the two men severed ties. Greitens' campaign fund has continued to pay the firm Ayers founded, C5 Consulting, into 2018, according to a Missouri Ethics Commission filing. Ayers stepped away from the firm to work in the administration."Several people from Washington have reached out and asked if Nick Ayers is going to be subpoenaed," said one Missouri House source with knowledge the discussions. "To this point he has not been." But the President's allies were also informed that a possible subpoena "is very much in play" because the committee's investigation is ongoing, added a separate source who also confirmed the conversations.The questions from White House officials were interpreted by those on the receiving end as oriented toward fact-finding, not as an attempt by the administration to influence the state House committee's work.Ayers and a spokesperson for Pence declined to comment.The state House probe, which is running parallel to investigations by Attorney General Josh Hawley and St. Louis Circuit Attorney Kim Gardner, made headlines this month with the release of a bombshell report detailing alleged sexual misconduct and assault by the governor against a woman with whom he has admitted having an affair.Greitens has denied committing any crime and instead called the situation "a personal mistake" from his time prior to taking office."As I have said before, I made a personal mistake before I was Governor. I did not commit a crime," his statement read.The House panel has expanded its scope to examine Greitens' campaign's acquisition and use of a nonprofit donor list, with plans to release a report on the subject Wednesday, including lengthy transcripts of interviews with witnesses.Greitens has already been charged by Circuit Attorney Gardner with one felony stemming from the donor list of The Mission Continues, a veterans charity Greitens founded, for allegedly obtaining the list without authorization from the charity."I stand by that work. I will have my day in court," said Greitens in an April statement.Ayers signed on with Greitens following the transfer of the list, however, meaning any investigatory interest in Ayers would likely be focused on the aftermath, or on other issues.The St. Louis Circuit Attorney initially opened her probe into Greitens earlier this year based on allegations that he photographed and blackmailed a woman with whom he was having an affair; Greitens has since been indicted on a felony invasion of privacy charge stemming from that investigation.Greitens trial is set for May 14.But there are signs that investigators are continuing to expand their efforts. Hawley's office confirmed that, earlier this month, they oversaw a deposition of Danny Laub, who steered Greitens' campaign in its early stages and was later named on a campaign finance disclosure as the source of the donor list. The Circuit Attorney's office has alleged that it was in fact Greitens who "directed the disclosure" of the list to the campaign.Laub's attorney, Sandy Boxerman, told the St. Louis Post-Dispatch that Laub, "did sit for that deposition, was completely truthful and forthcoming and cooperative. What happens beyond this point is in the hands of other people."Ayers joined the campaign after Laub and became an essential adviser to Greitens, along with his acolyte Austin Chambers, who managed the campaign. Greitens and Ayers apparently also became personally close, with Ayers at one time counting the governor among his "friends". 4158

America's lottery fever is far from over. The Powerball jackpot is almost irresistible.Saturday's Powerball drawing would pay an estimated 0 million if a winner matches all six numbers.The winner or winners would also have a one-time cash option of 8.6 million -- a prize that's still more than alright.If there's a winner, it would be one of largest jackpots in the nation's history.It could be the fourth largest in US lottery history and the game's third largest jackpot.The largest Powerball jackpot was .586 billion and it was split three ways in January 2016. 581

AN DIEGO (KGTV) - Generations apart, a 9-year-old is hoping to give a San Diego WWII veteran the 100th birthday of a lifetime. An aspiring journalist and U.S. President, 9-year-old Arthur Brook has been spending much of his time in recent months interviewing WWII veterans to preserve their stories. "I was beginning to think how good it would be to save their stories while they're still here. There aren't that many of them," said Brook.Along with his dad and sister Sofia, Arthur visits the Veterans Home of California, Chula Vista, to conduct interviews. "Well, most of them have never been interviewed before, never in their whole lives!" said Arthur.Arthur posts his interviews on his YouTube channel, Kids Discovering.When Arthur learned one of the residents, Edwin Schwimmer, would be turning 100 in September, he wanted to do something special for him. He's requesting birthday cards for Schwimmer and only has one rule:"No E-cards are allowed! Only the regular type made out of paper!"Arthur hopes to deliver the cards this Sunday, Sept. 1.Cards can be sent to the following address:Arthur Brook Voices4Heroes 1286 University Ave, # 506 San Diego, CA, 92103 1175

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