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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

As many parades and gatherings are canceled this Veterans Day, a campaign to honor veterans is taking to social media. Organizers hope it will bring togetherness and attention toward those who have served and sacrificed.“When I returned home from serving on active duty, when I took my uniform off for the last time, I felt like I’d removed my purpose right along there with the uniform,” said Mary Beth Bruggeman, who served eight years in the Marine Corps as a combat engineer.Bruggeman was deployed to Iraq, where she led more than 100 Marines and dozens of vehicles across the border during the Iraq invasion. Yet, when all of that was over, she felt empty."So, for me, finding a way to serve again was the thing I really needed and the other challenges I had that I was facing in my life came after the ability to really find and connect back to that purpose,” Bruggeman said.Bruggeman is the current president of "The Mission Continues.”“It connects veterans with the opportunity to find purpose again through additional skill building and then repurposing those skills in community,” Bruggeman said.While Bruggeman’s organization’s work is always ongoing, t

ANAHEIM, Calif. (KGTV) -- The Disneyland Resort announced Tuesday that the park will be closing A Big's Land to make way for a new superhero-themed land.According to the Disney Parks Blog, the Guardians of the Galaxy will be joined by Spider-Man and the Avengers in what will become an immersive superhero universe.The new land will be anchored by the “Guardians of the Galaxy – Mission: BREAKOUT!” in the space occupied by A Bug's Land.RELATED: Disney California Adventure's Pixar Pier to open this summerOn March 19, “It’s Tough to Be a Bug" closed to make way for the new experience. Disney plans to close the rest of the land in the late summer.Watch the announcement video in the player below: 711

And the title of the next Avengers film is...Endgame.Marvel Studios released the first trailer for the fourth — and possibly final — Avengers film on Friday, confirming suspicions that the movie would be called "End Game."The trailer offers few hints to the fate of a number of superheroes following the ending of Avengers: Infinity War, but offers a glimpse of heroes Black Widow, Captain America, Hawkeye, Nebula, Iron Man and the Incredible Hulk.The end of the trailer introduces Hank Pym, aka Ant-Man into the new film's storyline, after he was absent from Infinity War.The message tweeted alongside the video? "Part of the journey is the end." — a line uttered by Stark during the trailer.The trailer does not give a release date for the film, but it confirmed the movie would be released in April.There is at least one more Marvel movie set to release ahead of Avengers, which could offer more insight into the new Avenger's plot — Captain Marvel, which will hit theaters on March 8.Watch the full trailer in the player below.  Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1149

Are Apple's glory days behind it? That's probably a stretch. But Wall Street clearly is getting more worried about the company's reliance on the iPhone to generate sales and profit at a time when demand for the newer phones appears to be subpar.Shares of Apple (AAPL) fell 3% Wednesday and that was one of the big reasons why the Dow, which includes Apple, fell 300 points. Apple's stock briefly dipped into bear market territory, meaning it was down more than 20% from its all-time high.The reason for the Apple slide? Several companies that produce chips and other components used in iPhones have all issued gloomy forecasts recently, citing sluggish demand for higher-end smartphones.Although none of these companies, which include Qorvo (QRVO), Lumentum (LITE), Japan Display and IQE, have named Apple as the source of their woes, they are all Apple suppliers.But it may not be time to throw in the towel on Apple just yet, even though some analysts are cutting their price targets and earnings estimates due to concerns about soft sales for the newer iPhone XR, iPhone XS and iPhone XS Max.Apple's stock is still up more than 10% this year, making it one of the better performers in the Dow. The company is still worth nearly 0 billion. It remains the most valuable company in the world.Apple also continues to pay a solid dividend that yields 1.5% -- and the company is likely to keep raising its dividend thanks to its cash stockpile of 7.1 billion.What's more, Apple's earnings are expected to increase by more than 13% this fiscal year and keep growing at about a 12% clip annually, on average, for the next few years.So predictions of an Apple iPocalypse, if you will, may be premature. But it does seem like the company needs a new product to get consumers and investors excited again.Perhaps Apple needs to take a cue from the movie "This Is Spinal Tap" and release a new iPhone that goes to eleven. But would it be the iPhone 11 or iPhone XI? 1969

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