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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

ANN ARBOR, Mich. (AP) — Students at the University of Michigan are being ordered to stay in place for two weeks after a surge of coronavirus cases driven by social gatherings on and off-campus.Local health officials said Tuesday that the surge is overwhelming their ability to confront the pandemic. Officials say coronavirus cases related to the university represent 61% of the total in Washtenaw County, compared to just 2% in August.More than 1,000 students have been infected since the start of the fall term despite limits on gatherings and classes that are mostly held online. Undergraduate students can attend in-person classes and also leave their residences for exercise, work, food, medical appointments, voting, and religious services.In response to the order, university President Mark Schlissel says even more undergraduate classes will shift to remote instruction. Students who want to leave campus housing for the balance of the term could receive a refund or credit. 990

Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans.  4169

An email sent by a student to the principal and all of the freshmen at Oconomowoc High School prompted a police investigation into possible safety concerns.The email accused a different student of being a threat and mentioned the fictional character Slender Man.Police immediately investigated some of the claims in that email and the district says it determined there is no threat to student safety.The email sent on Wednesday includes many personal details about the student and says the person "...believes she has multiple personalities...is the daughter of slenderman."Slender Man became well-known in 2014, when two girls from Waukesha, Wisconsin — located about a half hour from Oconomowoc — said they stabbed their classmate 19 times to please the character.They both were recently committed to mental health facilities.In addition to mentioning Slender Man, the Oconomowoc student also claimed that this other student "wanted me to join her and two other girls in a cult-like group called the 'Trinity Sisters.'""I didn't find them to be true," said Alexis Zimmerman, a junior at the school.She says she and many other students weren't concerned about what the email said but were more upset that it even went out."I don't think anyone found it as a threat," she said. "It was just, it wasn't something right to say about someone else."Alexis' mother Nicole Gronitz says the school notified parents about the email, but she too wasn't concerned."It really didn't make me think twice about it," she said. "A lot of the stuff has just been kind of fake lately."District officials would not comment on any disciplinary issues. The full statement from the district is below: 1707

As Americans debate the public display of the Confederate flag, a Norwegian flag was removed recently to avoid confusion.The Nordic Pineapple, a bed and breakfast in St. Johns, Michigan, usually displays the Norwegian flag, a red flag with blue and white crossed lines, along with an American flag on pillars outside their Civil War-era mansion business.However, the owners have taken down the flags after getting hate-filled emails and comments from dozens of people who thought the Norwegian flag was the Confederate flag, they told the Lansing State Journal."I don’t see it because I grew up with the Norwegian Flag," Kjersten Offenbecker told the Lansing State Journal, "To me they are two distinct flags."Offenbecker’s family hails from the Scandinavian country.The couple, who has two Black children, said they are have done their best to help their children navigate racism in America and the aftermath of George Floyd’s death in Minneapolis, according to the Associated Press. 992

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