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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. -- One-tenth of Disneyland employees have recently experienced homelessness while two-thirds of the park’s employees can’t afford three meals a day, according to a union-funded report.Disney officials slammed the report saying it’s politically motivated and that the document is skewed to reflect the position of unions.The report argues that 74 percent of workers at the park can’t pay for basic expenses each month. The report also claims that 85 percent of park employees are paid less than per hour.VIDEO: Disneyland animatronic loses head, scares riders"As Disneyland profits and prices hit record highs, Disneyland employees are falling farther behind," said Peter Dreier, a policy professor at Occidental and one of the report's authors."Disneyland wages aren't keeping up with rising rents in Southern California. Our survey found that homelessness and housing instability are so widespread that they have become a normal part of employees' lives at the park. Similarly, we found it's normal for Disneyland workers to skip meals in order to make ends meet."The report was based on a survey of 5,000 Disneyland employees. Disneyland has roughly 30,000 employees.RELATED: Disneyland raises price on tickets, annual passesDisney responded to the report with a statement of their own."This inaccurate and unscientific survey was paid for by politically motivated labor unions and its results are deliberately distorted and do not reflect how the overwhelming majority of our 30,000 cast members feel about the company," Disney spokeswoman Suzi Brown said. "While we recognize that socio-economic challenges exist for many people living in Southern California, we take pride in our employment experience," she said.Disney also said a majority of the park’s employees make more than minimum wage while entry-level positions range between and .75 per hour.UPDATE (March 2, 2018): Disney officials say the average salary for full-time, hourly employees at the park is ,000. 2016

An Australian senator who sparked outrage for blaming the New Zealand mosque shootings on Muslim immigration has been hit on the head with a raw egg by a teenager. The senator subsequently appears to punch the 17-year-old. https://t.co/dHbpzel71w pic.twitter.com/4YeeVlNqa6— Evan Rosenfeld (@Evan_Rosenfeld) March 16, 2019 336

Andrea Constand is giving thanks to the Pennsylvania county where Bill Cosby was found guilty of assaulting her -- and presumably its prosecutors and jurors -- in her first post-trial tweet."A very profound and heartfelt thank you to the Commonwealth of PA, Montgomery County, for their service and sacrifices. Congratulations," her tweet from Friday morning reads."Truth prevails," the tweet ends. 406

An Akron, Ohio man will spend at least the next 20 years in prison for selling fentanyl to a woman who overdosed on the drug and died nearly three years ago.Jurmaine A. Jeffries, 29, was convicted of distribution of fentanyl and possession with intent to distribute the drug.A jury found that the fentanyl Jeffries sold the woman resulted in her death.On Sept. 16, 2015, the day of her death, the woman texted and called Jeffries to ask about buying heroin. He responded to her messages and told her "B right there."Cell phone records placed Jeffries in the area near the woman's house on the day she died, authorities said.According to the U.S. Attorney's Office, after the woman died, police used her phone to text Jeffries about buying more drugs. Police arrested him when he showed up at the woman's house with fentanyl on his person.Sentencing will take place at a later date, but Jeffries is facing a mandatory minimum of two decades in prison for his charges.“We will prosecute those who sell fentanyl and other drugs that kill our friends and neighbors,” U.S. Attorney Justin E. Herdman said. “This defendant drove around Akron delivering poison for profit. The Akron Police Department and all our law enforcement partners did a tremendous job bringing this man to justice.” 1315

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