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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

An Ohio woman is filing a lawsuit against the Montgomery County Jail claiming excessive force was used against her.Marsha Pate-Strickland is suing the Montgomery county jail for this video-tapped incident.It happened back in 2015.Pate-Strickland says it all began when she asked a corrections officer at the jail if she could exchange her juice for milk.In the video, you can see the officer grab her and slam her to the floor.Pate-Strickland said she complained that her arm and shoulder were injured. But she refused medical attention.Now she claims she has permanent and debilitating injuries.Officials with the Montgomery County jail have not commented on the lawsuit. 710

ANEHEIM, Calif. (KGTV) -- Disney officially announced Tuesday that the park's latest venture, 'Star Wars: Galaxy's Edge,' will open in the summer of 2019.Disney previously announced that the land would open in 2019, but it was unclear exactly when guests would be able to explore the new area. Disneyland guests will be the first to enjoy the land. Star Wars: Galaxy's Edge won't open at Disney World in Florida until late fall of 2019.The park says the Star-Wars themed land is the largest singe-themed land expansion ever undertaken by the company. As part of the announcement, Disney released a new sneak peak of the land. Watch the video in the player below:  706

Andrew Giuliani, the son of President Donald Trump’s personal attorney Rudy Giuliani, and a White House official himself, has tested positive for COVID-19, he tweeted Friday.“This morning, I tested positive for COVID-19. I am experiencing mild symptoms, and am following all appropriate protocols, including being in quarantine and conducting contact tracing,” the tweet from the younger Giuliani’s official account reads. 430

Artificial turf has been a staple in many pro sports stadiums for about 50 years. And while there's no doubt that AstroTurf and its modern equivalent, FieldTurf, have changed the way pro football and baseball have been played, the surfaces have generally been considered safe for athletes to play on.But on Monday, the NFL Player's Association formally called on team owners to "proactively change all field surfaces to natural grass," citing higher rates of injuries to players who are playing on artificial fields.In an open letter, NFLPA President J.C. Tretter — a center for Cleveland Browns in the midst of his eighth NFL season — claimed that most of his teammates preferred to play on grass, noting that his joints felt "noticeably stiffer" after playing on artificial turf."The unforgiving nature of artificial turf compounds the grind on the body we already bear from playing a contact sport," Tretter wrote.In his letter, Tretter wrote that real grass offers more "give," reducing the stress on feet, ankles and knees. He also noted that NFL injury data shows players have a 28% higher rate of non-contact lower extremity injuries when playing on artificial turf.Tretter also noted that despite harsh conditions, cold-weather cities like Cleveland, Green Bay and Pittsburgh still use traditional grass fields. In addition, indoor stadiums in Las Vegas and Phoenix also use grass surfaces."Agronomically, natural grass field surfaces are possible everywhere," Tretter said.As of 2020, 17 of 31 NFL stadiums use traditional grass.Tretter's letter comes weeks after the NFL was forced to inspect the artificial turf at MetLife Stadium — home of the Jets and Giants — after several high-profile players were injured in the surface in the opening weeks of the season. Among those hurt during weeks 2 and 3 of the season were 49ers players George Kittle Nick Bosa, Jimmy Garoppolo and Raheem Mostert.In 2015, Houston's NRG Stadium switched from natural grass to an artificial surface after more than a decade amid player criticism over injury concerns. Due to its retractable roof, groundskeepers grew grass in trays outdoors and then brought the trays indoors and assembled them together with forklifts to form the playing surface. Players claimed the system created seams in the playing surface which led to injuries, and the stadium even faced a lawsuit from a former player who claimed the grass led to a career-ending injury.Tretter's Browns teammate, wide receiver Odell Beckham Jr., was lost for the season this week after suffering an ACL tear while playing on an artificial surface at Paul Brown Stadium in Cincinnati on Sunday. 2649

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