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Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

UPDATE: Thursday, Major League Baseball has decided to cancel the rest of spring training and delay the start of the season by at least two weeks.Original story follows...SAN DIEGO (KGTV) — The San Diego Padres say they do not plan to make any changes to their schedule over the coronavirus at this time.The team said there are no current plans to adjust the team's spring training or regular season schedules due to concerns over COVID-19.The team is also in regular contact with Major League Baseball over what steps to take in the future, according to a statement from President of Business Operations Erik Greupner.“Ensuring the health and safety of our guests, players and employees is our number one priority. We are in regular contact with Major League Baseball and numerous health and government agencies, including the CDC, and while we have been informed that the immediate health risk in the San Diego region is low at this time, we are proactively taking increased measures to keep our facilities clean and safe, including our Spring Training facility in Peoria, Ariz. We have also been relying on the guidance and assistance from our excellent team of doctors at UC San Diego Health, which has been helping to lead our region’s response to the coronavirus," Greupner wrote.RELATED:How the coronavirus is affecting sports. Leagues preparing to play in front of empty arenasMAC tournament closed to general public due to coronavirus concernsOhio Gov. asks indoor sporting events be played without spectatorsSome sports events, however, are facing fan-less games or moving entirely.Wednesday, the Seattle Mariners announced that all March games will not be played at T-Mobile Park in Seattle, after Washington Gov. Jay Inslee announced a ban on large group events through March."The Seattle Mariners are working with the Major League baseball Office of the Commissioner on alternative plans for our games..." a team statement read.The Golden State Warriors were another major sports team to announce a change this week, as Thursday's game against the Brooklyn Nets will be played without fans, after San Francisco banned large events of more than 1,000 people. 2178

TULSA, Oklahoma -- The suspect in an Amber Alert and stabbing was seen smiling Tuesday afternoon after her arrest.Police in Tulsa, Oklahoma said 39-year-old Taheerah Ahmad stabbed her 11-year-old daughter on Monday night. The 11-year-old girl was taken to the hospital in "very" critical condition, where she remains unconscious.An Amber Alert was issued after police said Ahmad also abducted her eight-year-old child. Ahmad was located around 12:30 p.m. Tuesday in a parking lot in Tulsa. The 8-year-old child was also found safe. Police said citizens walking in the area noticed the vehicle and contacted authorities. Ahmad was taken into custody without incident. Police said she had been in that parking area for 17 hours before being found. Police said the woman admitted to the crime. Ahmad said she became upset with her children, and bound two of her children's hands with duct tape. She said the 11-year-old child fought back, and she stabbed the child 50 to 60 times and hit her in the head with a pick ax, according to police. She was arrested on counts of assault and battery with a deadly weapon with intent to kill, first-degree arson and abuse of a child.  1209

Twice in the last week, the San Diego Loyal have walked off the soccer field in protest. Both times, one of their players was the recipient of a slur directed at them by the opponent. In their game against Phoenix Rising, Collin Martin was the target of an alleged homophobic slur."When I heard that I lost it," says Loyal Head Coach Landon Donovan. "Because I know what this team has gone through, I know how hard it was for them to even take the field."Wednesday night's incident comes following a game last week against LA Galaxy II, when a Loyal player was called a racial slur."For it to happen again a week later was just devastating for me," said Donovan.In both instances, the Loyal left the field in protest, and forfeited the game."Our players in the heat of the moment and the passion of the moment still wanted to play."The two losses cost them points in the standings, and a USL playoff spot."Listen, when we are all on our death bed no one is going to remember if we beat Phoenix 3 to 1 at home. No one is going to remember that, but they will remember that they stood up for something they believed in, and they supported their teammate. They supported what's right."As for the Phoenix Rising player accused of the homophobic slur, Junior Flemmings released a statement saying it was a false accusation by the Loyal, and he's very disappointed. Donovan says although his team will not be in the playoffs, he doesn't regret any of the actions his team took the last two games."I understand that most people watching from afar probably don't get it, but we've been living it." 1597

UPDATE (10:23 a.m.): San Diego Sheriff's Department says Cannon returned safely to his residence at about 9:30 a.m. Saturday.LAKESIDE, Calif. (KGTV) — An East County diagnosed with early dementia disappeared from his home late Friday, sheriff's deputies say.William Cannon, 84, was last seen Friday at about 9 p.m. driving away from his home in a white Toyota Prius. According to Cannon's son, he has been diagnosed with early stages of dementia.Cannon is described as a Caucasian male, standing about 5-foot 10-inches, weighing 150 pounds, with grey hair, and blue eyes. He was last seen wearing a black baseball hat with the letters "SR71", a beige or white windbreaker jacket, blue jeans, and tennis shoes.His Toyota has the California license plate 7TJT465.Anyone with information is asked to call the San Diego Sheriff's Department at 858-565-5200. 861

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