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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

ARCADIA, Calif. (AP) — A 3-year-old gelding was fatally injured in the fifth race at Santa Anita on Saturday, becoming the 34th horse to die at the track since December.According to a statement from track owner The Stronach Group, jockey Ruben Fuentes pulled up Satchel Paige at the three-eighths pole of the 6 1/2-furlong sprint. Track veterinarian Dr. Dana Stead saw that the gelding had sustained an open fracture of his left front ankle and decided to euthanize him.Fuentes wasn't injured in the ,000 race featuring horses that had yet to win.Dr. Dionne Benson, chief vet for The Stronach Group, said the gelding will undergo a required necropsy at UC Davis. She said the accident and necropsy report will be reviewed "to learn what, if anything, could have been to prevent the accident."Benson said Santa Anita will work with the California Horse Racing Board to investigate the accident.Trained by Phil D'Amato, Satchel Paige was winless in six career starts, with one second and one third-place finish. He had career earnings of ,002.He was bred and owned by retired luxury car dealer Nick Alexander, chairman of the Thoroughbred Owners of California, which represents the collective interests of owners in the state and works to preserve the sport's long-term viability.Santa Anita is set to host the Breeders' Cup world championships for a record 10th time on Nov. 1-2. 1392

Apple announced on Friday that it is planning to temporarily close several of its locations in four states as the number of coronavirus cases in some US states are surging.Apple said that two stores in Florida, two in North Carolina, one in South Carolina and six in Arizona will be closed until further notice. The closures go into effect tomorrow.“Due to current COVID-19 conditions in some of the communities we serve, we are temporarily closing stores in these areas,” Apple said in a statement. “We take this step with an abundance of caution as we closely monitor the situation and we look forward to having our teams and customers back as soon as possible.”Apple said for its locations that are remaining open, Apple is limiting store occupancy and is requiring all customers and employees to wear face coverings.Florida and Arizona both reported one-day records for new cases on Friday.Here are the impacted locations:Florida- Waterside Shops- Coconut PointNorth Carolina- Southpark- Northlake MallSouth Carolina- Haywood MallArizona- Chandler Fashion Center- Scottsdale Fashion Square- Arrowhead- SanTan Village- Scottsdale Quarter- La Encantada 1162

An attorney for the former school resource officer at Marjory Stoneman Douglas High School defended the officer's response to the Parkland shooting, saying in a statement Monday that Scot Peterson acted appropriately during the shooting."Let there be no mistake, Mr. Peterson wishes that he could have prevented the untimely passing of the seventeen victims on that day, and his heart goes out to the families of the victims in their time of need," the statement from attorney Joseph DiRuzzo III says."However, the allegations that Mr. Peterson was a coward and that his performance, under the circumstances, failed to meet the standards of police officers are patently untrue."Peterson resigned on Thursday after Broward County Sheriff Scott Israel suspended Peterson without pay for allegedly waiting outside the Florida school as the shooting unfolded."What I saw was a deputy arrive at the west side of building 12, take up a position," Israel said of the footage. "And he never went in."But, in a statement, DiRuzzo said that Israel's statement "is, at best, gross over-simplification" of what happened when a shooter killed 17 people at the Florida school.Peterson initially ran toward the 1200 building where the shooting took place, and then he "heard gunshots but believed that those gunshots were originating from outside of any of the buildings on the school campus," according to DiRuzzo.The Broward County Sheriff's Office, or BSO, "trains its officers that in the event of outdoor gunfire one is to seek cover and assess the situation in order to communicate what one observes to other law enforcement," DiRuzzo said.Peterson acted consistent with his training and "took up a tactical position between the 700-800 buildings corridor/corner," Peterson said. He was the first officer to advise dispatch that he heard shots fired, and he initiated a "Code Red" to lock down the campus, according to the statement."Radio transmissions indicated that there was a gunshot victim in the area of the football field," which served to confirm Mr. Peterson's belief "that the shooter, or shooters, were outside," according to DiRuzzo's statement.Trump says Peterson 'choked' 2185

As a 58-year-old woman on disability, Robin Short of Wallingford, Connecticut, relies on her tax refund to catch up on bills. She filed her return electronically in February, opting for direct deposit so she could get her 3 refund quickly.She’s still waiting, as are millions of others. The IRS is slowly resuming operations after pandemic-related lockdowns, but delayed refunds are devastating some people’s finances.Tax refunds have become a lifelineTax refunds, which last year averaged ,979, are the largest single infusion of cash for about 30% of U.S. families, says Fiona Greig, consumer research director at the JPMorgan Chase Institute, which researches economic issues. While many Americans use refunds to save or to pay down debt, significant numbers rely on the money to cover bills or to get needed medical care — and that was true even before millions lost jobs and income during the COVID-19 pandemic.Delayed refunds can lead to evictions, hunger, creditor lawsuits and health problems from postponed medical care, among other ill effects. Many households live so close to the edge that they can experience hardship when a refund is delayed by two or three weeks, let alone several months, says John Thompson, chief program officer for the Financial Health Network, which researches financial challenges facing low- and moderate-income households.“Not everybody has got the kind of flexibility or resilience to just be able to hold on,” Thompson says.Pandemic shutters most IRS operationsThe IRS started shutting down tax return processing centers in March, along with its taxpayer help line, local offices and volunteer assistance programs. Soon after, it focused on sending out more than 159 million payments as authorized by the coronavirus relief package. By mid-May, the agency faced a backlog of 10 million pieces of unopened mail, including paper tax returns.People who filed electronically generally got their refunds unless those returns were flagged, commonly because of identity theft concerns or a mismatch between the information on the return and what was provided by employers or financial institutions.In Short’s case, the TurboTax software she used counted a ,800 annual pension payment twice, as both 1099 income and as W-2 income. The IRS sent her a letter about the error and advised her not to contact the agency for 60 days while the issue was resolved. Then, the lockdowns happened.Short says her pension and monthly Social Security disability checks don’t cover her expenses. She makes arrangements to pay overdue bills, such as her power bill, when her refund arrives. Otherwise, she says, the math of living on a low fixed income gets grim.“Either you miss a payment on the electric bill, or you don’t get your medicine,” says Short, a former facilities manager and insulin-dependent diabetic who was severely injured when her car was hit by a drunk driver.Using refunds to catch upPutting off bills, then using tax refunds to catch up, is a common practice among strapped households, Thompson says. A survey of people who used free filing methods for lower- and moderate-income taxpayers last year found roughly half said they needed their refunds for bills, rent, groceries and other everyday expenses, according to Prosperity Now, a nonprofit that promotes financial security.People also increase their health care spending significantly after refund checks arrive. A 2018 study of 1.2 million checking account holders found health care spending rose 60% in the week after people received refunds, indicating many were catching up on care, Greig says.It’s not clear how long it will take the IRS to address the backlog or when taxpayers can expect their money. People can try using the “Where’s My Refund?” tool on the IRS site or call the taxpayer help line, but getting through to a human is difficult even in normal times. Congress has cut the IRS’ budget by 20% since 2010, leading to a 22% reduction in staff, according to acting National Taxpayer Advocate Bridget Roberts. Without adequate staff, the agency answered less than one-third of its calls last year. Another option is to contact the Taxpayer Advocate Service, which has representatives in each state.Rather than wait for the IRS to return their money each year, taxpayers can adjust their withholding so they get more money in their paychecks. But many don’t feel comfortable changing their withholding in case they wind up owing big sums, Thompson says.“You’d have to predict how the year is going to go,” Thompson says. “And what could we possibly predict about this year?”This article was written by NerdWallet and was originally published by The Associated Press.Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4782

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