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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

Giving back to a city that needs it, William Duhon was born and raised in Lake Charles, Louisiana. After Hurricane Laura hit last month, the town was reeling.“This my city man. This is where I’m from. Grew up not even two miles from here. This is it, so this is where I want to give back to,” said William Duhon.“We’ve been here pretty much everyday since like the 30th. I believe, storm happened on the 27th,” Duhon added.He’s sorting through donations at a community resource center that’s doubling as a makeshift food bank. He is joined by his mom Yolanda and his best friend from high school Kendrick Johnson. They say it's not easy to see the people coming by every day.“Some are like, 'We lost everything,'” said Yolanda Duhon.Everything might somehow be an understatement. Laura destroyed homes in Lake Charles reducing them to piles of rubble. But the 2020 Atlantic Hurricane season has been equally destructive. More than 20 named storms including eight hurricanes and two major hurricanes has caused more than billion in damage. billion may seem like an unreal number. But for families in Lake Charles the numbers are very real.“Sometimes there’s babies in the car. Diapers and wipes, we try and find them extra little cute things just to give them, and the little toppings with like five things to give, just to make them smile on their face. It makes us feel good,” said Yolanda. Johnson, William, and Yolanda are doing what they can to help their city out. William says he comes to volunteer after working the night shift and Kendrick called HIS BOSS on the oil platform and said he couldn’t come back while his community was in need.“I was actually, still had like 14 days left to go and report back to work, but I called my company and told them, hey look, I don’t have any damage to my house but my community is damaged and I can’t sit here and go back to work knowing I could be helping,” said Johnson. Johnson is so close to the Duhons, he's considered family.“This is my adopted son,” said Yolanda.“I’ve ate meals at her house, slept at her house, she picked me up from band practice before, I mean the list goes on, basically extended family. Basically they don’t look at me as a best friend, I’m part of their family,” said Johnson. This unconventional family is working hard to make sure people in Lake Charles have what they need to survive. It’s worth every minute for them.“It’s like handing them a box of hope. You know, like even though you may not have a home to go back to, even though a lot of people are still without lights, still with out clean running water, it’s like, here’s what we can do for you, here’s water you can drink, here’s something that you can eat,” said William Duhon. “This is our home, our priority to make sure that we’re straight on this side,” said Johnson. 2828

GRANT COUNTY, Ind. -- Two people are dead after two small planes crashed at an airport in Grant County Monday evening in Central Indiana.The crash happened around 5 p.m. at the Marion Municipal Airport off in Marion. According to the Federal Aviation Administration, a single-engine Cessna 150 collided on the ground with a Cessna 525 CitationJet. Preliminary investigation indicates that the Cessna 150 was attempting to take off at 5:09 p.m. when it struck the tail of the Citation, which had just landed. "The airport in Marion does not have an air traffic control tower," the FAA said in a statement. "Pilots using the field are expected to announce their intentions on a common radio frequency and to coordinate with one another while on the ground and in the traffic pattern."The Cessna 150 was carrying two people and the Citation had five passengers on board. Grant County Coroner Chris Butche says two people were killed in the crash."FAA investigators are on their way to the scene, and the National Transportation Safety Board has been notified," the FAA said in a statement to RTV6. "The NTSB will be in charge of the investigation and all updates." 1189

He was there when man first landed on the moon in 1969 and on Friday, Buzz Aldrin endorsed a new galactic effort — the Trump administration's Space Force."One giant leap in the right direction. #SpaceForce," the retired astronaut tweeted, quoting a message from Vice President Mike Pence about the initiative.On Thursday, Pence called for the establishment of a Space Force by 2020 and noted the Department of Defense would be taking to steps to reform the military's approach to space. The announcement comes after President Donald Trump said in June that he was directing "the Pentagon to immediately begin the process necessary to establish a Space Force as the sixth branch of the armed forces." The establishment of the new military service would require congressional approval. 791

Half, or more, of households in America’s largest cities report facing “serious financial problems during the coronavirus pandemic,” according to new survey results. These problems include having to deplete their savings, unable to pay full rent, etc.The survey included responses from more than 3,400 people in New York City, Los Angeles, Chicago, and Houston over the course of July 1 through August 3. It was conducted by the Harvard T.H. Chan School of Public Health, in partnership with NPR and The Robert Wood Johnson Foundation.In all four cities, at least 53 percent of households reported facing serious financial problems; between 35 to 40 percent of those people said they had used up all or most of their savings during the coronavirus pandemic.Latino and Black households were more likely to have financial problems, according to the survey, with responses about ten to 15 percentage points higher than the city’s average.In addition, 54 percent of those households making less than 0,000 a year reported having financial problems during the pandemic. By comparison, only 20 percent of those households making more than 0,000 a year reported issues.The study’s authors say the results show personal financial challenges run deeper than previously understood. "I would have expected that all the aid that was coming from various sources would have narrowed, not eliminated, the differences by race and ethnicity," but it did not, said Robert Blendon, professor emeritus of health policy and political analysis at Harvard and co-author of the survey.The study’s authors remind readers the survey was done during a time when the federal government was offering 0 a week in additional unemployment benefits. Those payments were not renewed after July. Although some states are offering additional money now, that has only just started.“These findings raise important concerns about households’ abilities to weather long-term financial and health effects of the coronavirus outbreak, as a large share have depleted their savings and are having major problems paying for basic costs of living, including food, rent, and medical care,” the study concludes. 2179

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