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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

As federal government aid begins to wane, hotels across the US says that the majority of jobs in the industry could disappear in the coming months.According to a Hotel & Lodging Association survey, 74% of hotel jobs could be eliminated if additional federal funds are not dispersed to the hospitality industry. Of those surveyed, 69% of operators said that hotel stays have been cut by more than half.The Hotel & Lodging Association says that one in 25 US jobs are supported by the hotel industry, equaling 8 million jobs.According to the federal government, the hospitality industry in total had 16 million employees before the pandemic. In April, that number was cut in half. Federal statistics show about half of the jobs lost in the spring have been regained. But many of those jobs remain in peril.Two-thirds of hotels say that they will go out of business if current revenues remain constant for the next six months."It's time for Congress to put politics aside and prioritize the many businesses and employees in the hardest-hit industries. Hotels are cornerstones of the communities they serve, building strong local economies and supporting millions of jobs," said Chip Rogers, president and CEO of the American Hotel & Lodging Association. "Every member of Congress needs to hear from us about the urgent need for additional support so that we can keep our doors open and bring back our employees."For months, proposed stimulus packages have been stalled as House Democrats, Senate Republicans and the White House have lacked agreement on a set of proposals. While hotels and other businesses in the hospitality industry saw a boost thanks to the CARES Act, those funds are running low.The similarly impacted airline industry has said that thousands of jobs in its industry will be eliminated on October 1 without additional funding. 1863

As has been stated by numerous legal scholars, I have the absolute right to PARDON myself, but why would I do that when I have done nothing wrong? In the meantime, the never ending Witch Hunt, led by 13 very Angry and Conflicted Democrats (& others) continues into the mid-terms!— Donald J. Trump (@realDonaldTrump) June 4, 2018 346

ANDERSON, South Carolina — We all remember that feeling of euphoria as kids, you wake up on a cold, snowy morning and hear those two magical words, "snow day!"  Well, it looks like that will soon become a thing of the past in one school district.Pause for the gasps of horror, yes, a school district in South Carolina is ditching snow days. Instead, the district will require students to do classwork online instead of watching television reruns or indulging in a Netflix binge.Last week, Anderson School District Five announced on Facebook it was selected to pilot the first eLearning program in the state of South Carolina.Here's how it works: When nasty weather strikes, these students will need to review assignments using their school-issued Chromebooks, which don't require internet access. The assignments will be uploaded via Google Classroom.Students who are having difficulty accessing those assignments or who are too young to have a Chromebook will be given a five-day grace period. 1037

Anyone who plans to travel internationally should get tested for COVID-19 before and after their trip, according to new Centers for Disease Control and Prevention (CDC) recommendations.In addition, the CDC says anyone returning from international travel should isolate for at least seven days — even if they test negative for COVID-19 upon their return.Planning aheadIn the new guidance published to its website, the CDC recommends travelers plan ahead several weeks before travel. The CDC says to avoid high-risk activities like large social gatherings (parties, weddings, funerals, sporting events), indoor recreation (bars, restaurants, fitness centers) and taking public transportation for at least two weeks.As the travel date approaches, the CDC recommends receiving a test between one and three days before boarding an international flight — but also to make sure test results are available before the flight departs. If the test results aren't back in time, the CDC recommends delaying travel.The CDC stresses that anyone who tests positive for COVID-19 should not travel — anyone who tests positive should immediately isolate and follow public health recommendations.The CDC also says that anyone who tests negative should still wear a mask, maintain 6 feet of social distance and wash hands frequently while traveling."A negative test does not mean that you were not exposed or that you will not develop COVID-19," the CDC says on its website.Finally, travelers should carry a copy of their test results with them — officials in other countries may ask to see them.Upon ReturnUpon return to the U.S., travelers should get another COVID-19 test within three to five days upon return. Even if that test comes back negative, the CDC urges a full week of self-isolation."You may have been exposed to COVID-19 on your travels. You may feel well and not have any symptoms, but you can be contagious without symptoms and spread the virus to others. You and your travel companions (including children) pose a risk to your family, friends, and community for 14 days after you were exposed to the virus," the CDC writes on its website.Anyone who chooses not to get tested upon their return to the U.S. should stay home for 14 days.Places where it's safe to travelThe CDC's website also includes risk assessment maps to help travelers determine where COVID-19 is spreading. As of Wednesday morning, nearly every country around the world was listed as a Level 4 risk — the highest level listed by the CDC.Click here to see the CDC's risk assessment map. 2559

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