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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

Hospital employees from the Naval Hospital Jacksonville have been removed from patient care after disturbing photos involving newborns went viral on Monday.The viral post, that has been shared more than 185,000 times, shows screenshots taken from the employees' Snapchat accounts. In the images, the employee is seen sticking up her middle finger to a newborn, captioned with "How I currently feel about these mini Satans." The post also explains that in one of the Snapchat screenshots, the "navy nurse" and her friend held up the baby, making the baby dance to rap music.The Naval Hospital Jacksonville posted a statement addressing the photos on their Facebook page: 702

Globally, population sizes of mammals, fish, birds, reptiles and amphibians declined an average of 68% between 1970 and 2016, according to a new report from the World Wildlife Fund.WWF says populations in Latin America and the Caribbean have fared worst, with an average decline of 94%. Researchers also found that global freshwater species have also been disproportionately impacted, declining 84% on average.“Why does this matter? It matters because biodiversity is fundamental to human life on Earth, and the evidence is unequivocal – it is being destroyed by us at a rate unprecedented in history,” the Living Planet Report 2020 says. You will find more infographics at StatistaWWF says these drastic species population trends signal a fundamentally broken relationship between humans and the natural world. The organization says the consequences can be catastrophic and points to COVID-19 pandemic as proof.“As humanity’s footprint expands into once-wild places, we’re devastating species populations. But we’re also exacerbating climate change and increasing the risk of zoonotic diseases like COVID-19,” wrote WWF-US President and CEO Carter Roberts. “We cannot shield humanity from the impacts of environmental destruction. It’s time to restore our broken relationship with nature for the benefit of species and people alike.”The report points to one underlying cause for the deterioration of nature and decline in species populations: humanity. It claims people are now using more of the Earth’s resources than can possibly be replenished, which has a disastrous impact on biodiversity.Researchers believe the change in land use is the most direct driver for loss of biodiversity, particularly the conversion of habitats into agricultural systems. The report says climate change will become an important driver of biodiversity loss in the coming decades.All hope is not lost though. The report says modelling predicts that the declining trends can be flattened and reversed with urgent and unprecedented actions. These actions include transforming food production and consumption, aggressive movement to tackle climate change, and investments that conserve, protect and restore nature.Overall, the report urges world leaders to treat biodiversity conservation as a non-negotiable and strategic investment to preserve human health, wealth and security.“While the trends are alarming, there is reason to remain optimistic,” said WWF Global Chief Scientist Rebecca Shaw. “Young generations are becoming acutely aware of the link between planetary health and their own futures, and they are demanding action from our leaders. We must support them in their fight for a just and sustainable planet.” 2710

HONOLULU (AP) — Hawaii's governor says that starting Oct. 15, travelers arriving from out of state may bypass a 14-day quarantine requirement if they test negative for COVID-19.Travelers will have to take the test within 72 hours before their flight arrives in the islands.The governor, David Ige, says drug store operator CVS and healthcare provider Kaiser Permanente will conduct the tests as part of an agreement with the state.Travelers will need to be able to show proof of their negative test results from a CLIA certified laboratory. Those who can’t will be required to quarantine for two weeks or until they can provide proof of their test results.Ige said in a press release that the new pre-travel testing program “is an important step toward reviving our economy while continuing to protect public health.”Earlier this year, Hawaii had plans to start a pre-travel testing program on Aug. 1 but had to postpone them as COVID-19 cases spiked on the U.S. mainland and in Hawaii. A shortage of testing supplies also forced delays. 1045

Georgia has taken a step toward stripping Delta of a tax break after the company cut ties with the NRA.A Republican-controlled state Senate committee on Wednesday removed an exemption for jet fuel from a tax bill under consideration. The exemption could save Delta tens of millions of dollars. The bill could go to the Senate floor as early as Thursday.If the full Senate agrees to the changes, the bill goes back to the House. If the House also approves the changes, the bill will go to Republican Governor Nathan Deal. 528

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