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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 envelope containing ricin was recently sent to the White House, which has prompted an official investigation, sources told the New York Times and CNN.According to New York Times sources, the exact location of the origins of the letter is unknown, but believe to have been sent from Canada. Mail sent to the White House is screened off site before reaching the complex.According to the CDC, Ricin is a poison found naturally in castor beans.“If made into a partially purified material or refined into a terrorist or warfare agent, ricin could be used to expose people through the air, food, or water,” the CDC said, adding that there is no known antidote for ricin.The White House has been the target of ricin mailings in the past. In 2013, the FBI confirmed two letters were sent to the White House containing ricin. 827
As an emergency medical resident physician and Brown University alumni, Kelly Wong, M.D. has spent her life helping others physically. Now, during this presidential election, she’s pivoting and also helping others politically.“We wanted to make a place where patients, family members, health care providers could all access this information really easily,” she said.Wong is the founder of Patient Voting, a nonpartisan, volunteer-based group of medical professionals helping patients vote from hospitals.“It really came to mind during the last presidential election in 2016,” Wong said about starting Patient Voting. “A patient telling me that they would rather leave and risk their life to go vote. That was, like, very emotional to me.”How patients vote by emergency absentee ballot is very different in every state. That’s why Wong says informing patients about their rights is critical to get their votes counted.“They are so focused on their condition when they come into the hospital that sometimes, ‘Oh my gosh, I didn’t realize that I’m going to have to figure out how to vote,’” Wong said of patients. “That doesn’t hit them until the next day and then they’re scrambling.“Patient Voting has volunteers nationwide. Their website gets up to 300 hits a day, a somewhat small number, though political science experts say it could have a big impact.“In 2000, it came down to 600 vote difference in Florida,” said Robert Preuhs, Ph.D., chair of the political science department at MSU Denver.He says the ability to allow people to exercise their right to vote and facilitate that under extreme conditions, like being in a hospital, is completely legal and it’s also crucial for some to have their voices heard.“It’s really hard of course to get out of a hospital bed and go down to a poll,” Preuhs said. “In order to allow people to vote, this is an organization, these laws are in place in order to facilitate that.”Wong says the money to fund Patient Voting comes from a grant from Brown Emergency Medicine, a price she says is well worth the investment during this political season.“I think this is something really important that we can offer them,” Wong said of helping patients vote. “I think they shouldn’t have to choose between their health or their right to vote.” 2286
Andrew Miller, a former associate of longtime Donald Trump confidant Roger Stone, did not appear for a scheduled grand jury hearing on Friday, defying a subpoena from special counsel Robert Mueller, according to his attorney.Miller's attorney Paul Kamenar told CNN that they intend to appeal the order to appear before the grand jury, and he said the first step would be for him not to appear.In a closed hearing Friday in a Washington, DC, district court, Judge Beryl Howell found Miller in contempt and then stayed that ruling until this Monday to allow for an appeal to be filed. 590
AMITY, Ind. -- An Indiana family lost nearly a dozen show pigs when several barns caught fire on their farm early Saturday morning. The fire broke out in the Amity, Indiana area of Johnson County between Franklin and Edinburgh just before 6 a.m. The Amity Fire Department Chief Jackie Brockman said several structures were already up in flames when crews arrived on the scene. He said 11 pigs were lost in the fire. PHOTOS | Fire destroys barn, kills 11 4-H show pigsThe property owner said the fire took out five of his barns and three storage wells as well as their farrowing house. The pigs were being raised by the owner's 9-year-old and 13-year-old sons. Firefighters were able to contain the fire so it did not spread to a nearby barn where the family housed several other pigs and those pigs are safe. The cause of the fire remains under investigation but Chief Brockman says they believe it was accidental. 974