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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

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

As Jeffrey Epstein associate Ghislaine Maxwell awaits trial, newly released documents provide insight into the charges she's facing.A deposition from 2016 has been made public that alleges Maxwell was a recruiter for Epstein's underage sex ring.Testimony from Virginia Giuffre, one of Maxwell's alleged victims, implicates Prince Andrew and former New Mexico Gov. Bill Richardson. Both the prince and Richardson have denied the allegations against them.Giuffre also reports seeing former President Bill Clinton on Epstein's private island. When she asked Epstein about why Clinton was there, she said Epstein told her that Clinton owed him a favor.Clinton has previously denied ever going to Epstein's island.Giuffre also said one of the men involved in Epstein's sex ring was a "large hotel chain owner."The in the court filings, Maxwell and her attorney portray Giuffre as unreliable, pointing to errors in certain information she provided. 950

Americans counting on emergency coronavirus aid from Washington may have to wait until fall. Negotiations over a new coronavirus aid package have all but ended. The White House and Congress are far apart on the size, scope and approach on relief for households, schools and a national strategy to contain the virus. President Donald Trump’s top negotiator, Treasury Secretary Steven Mnuchin, tried to revive stalled talks Wednesday. But House Speaker Nancy Pelosi and Senate Democratic leader Chuck Schumer dismissed what they called an “overture,” saying the Trump administration is still refusing to meet them halfway. Trump said Democrats are “holding the American people hostage.”While the White House said they believe a compromise can be made on some issues, the two sides remain far apart on funding state and local governments. Many states and municipalities are struggling due to decreased revenues and increased costs amid the pandemic.There is also disagreement among the parties, including Senate Republicans, on unemployment supplements as unemployment figures remain over 10%. From April into July, unemployed workers received an additional weekly 0 unemployment supplement on top of standard unemployment benefits. But many Republicans grumbled that the supplement gave incentive for workers to stay home amid the pandemic.On Saturday, Trump announced the signing of an executive order, which in part would extend weekly unemployment supplements, but the order raised many questions. The supplement would provide 0 a week for unemployed Americans through the end of the year and would call on states to chip in 25%, but many cash-strapped states might not be able to provide the additional funds. There are also questions on how Trump can fund the order without Congressional approval. Although there is grumbling over fears employees won't return to work, if an employer calls an employee back to work, they're no longer eligible for unemployment benefits. 1987

And that's a wrap! Check the blog below to see what made headlines on the red carpet and during the show at this year's Oscars!PHOTOS: Oscars 2018 red carpetAfter a successful awards show with no best picture flub - Kimmel thank viewers, wished his wife a happy birthday and apologized to Matt Damon for "running out of time."  340