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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

Hank Azaria says his "eyes have been opened" and he's willing to "step aside" from playing his controversial "Simpsons" character.The actor appeared on Tuesday's episode of "The Late Show with Stephen Colbert" and talked about the fallout surrounding the character he voices, Apu Nahasapeemapetilon.Comedian Hari Kondabolu's documentary "The Problem with Apu" debuted last November and looked at the character as a negative, stereotypical representation of South Asians.Nahasapeemapetilon, a Indian-American character with a thick accent, operates the Kwik-E-Mart convenience store in the fictional town of Springfield. The show recently aired a response to complaints about him.Writers had the character of Lisa Simpson respond to a question from her mother Marge by saying, "Something that started decades ago and was applauded and inoffensive is now politically incorrect. What can you do?" before Lisa glanced at a framed photograph of Apu on her nightstand, which was inscribed with the message "Don't have a cow."The scene generated further complaints from viewers.Azaria voices multiple characters on the show, including Moe Szyslak and Chief Wiggum. He told Colbert he just wanted to be funny."The idea that anybody, young or old, past or present was bullied or teased based on the character of Apu, it just really makes me sad," Azaria said. "It was certainly not my intention. I wanted to spread laughter and joy with this character and the idea that it's brought pain and suffering in any way, that it was used to marginalize people, it's upsetting."The actor told Colbert he had nothing to do with the show's response, given that Apu doesn't speak during the episode. Azaria said he did not agree with the show's response to the controversy.Azaria said he's given a great deal of thought to how to proceed and believes "the most important thing is to listen to South Asian people, Indian people in this country when they talk about what they feel and how they think about this character."He also called for more inclusion in "The Simpson's" writing room -- even if that means he no longer voices Apu."I really want to see Indian, South Asian writer, writers in the room, not in a token way but genuinely informing whatever new direction this character may take, including how it is voiced or not voiced," Azaria said. "I'm perfectly willing and happy to step aside or help transition it into something new. I really hope that's what 'The Simpsons' does and it not only makes sense, but it just feels like the right thing to do to me."CNN has reached out to "The Simpsons" for comment. 2604

Goodyear tires are seen on President Donald Trump's limousine, nicknamed "the Beast," after his arrival at the White House, Thursday, Aug. 20, 2020, in Washington. Trump returned to the White House by motorcade from Andrews Air Force Base, Md., after a trip to Old Forge, Pa. (AP Photo/Patrick Semansky) 311

Geese are terrifying. Everyone knows this. Their bites hurt land they have no respect for children or the elderly. In fact, they are the second-most terrifying bird behind turkeys (large, tenacious) and ahead of crows (eidetic, vengeful).So this momentous trio of photographs showing a Canada goose absolutely trucking a high school golfer near Blissfield, Michigan, is just a reminder of the natural order of things. You can have, as one Twitter user put it, a "quiver full of bird maulers" and a whole high school athlete's worth of physical power, but the goose is going to win every time. It's science.The unlucky human sacrifice here is Isaac Couling, a member of the Concord High School golf team. According to Blissfield Golf Coach Steve Babbitt, Couling, 16, was competing in the Madison Tournament at the World Creek Golf Course in Adrian, Michigan, when terror rained down."The group just finished teeing off on hole #7 and were walking down the fairway," Babbitt told CNN in an email. "They were aware of a goose nest on their left which they were looking at but not bothering when from behind them and to the right came the guard goose (protecting the nest)."Then came a rather alarming escalation, a whole Shakespearean tragedy in three acts. The Blissfield Athletics Twitter account explained that Couling was caught off guard by the charging bird as he was keeping an eye on another, probably equally threatening, goose.As Couling attempted to flee the chaos he tripped, allowing the goose a clear coup de grace.Said Blissfield Athletics on Twitter: "And you thought golf was boring?"Massive credit should also be given to Devon Pitts of Blissfield, the photographer who caught this inspiring moment of nature in action."You can say (she) was at the right place at the right time," Babbitt said.Fortunately, Couling is fine despite his close brush with winged evil. He tells CNN he was able to pick up the game where he left off, though only on the goose's terms."My clubs fell out and the goose guarded my golf clubs, so I had to finish with my teammate's clubs," he said. "The coaches had to go out with golf carts (to chase it away) while I finished the hole."  2192

Health care is expected to be one of the top issues for voters in the midterm elections.Polls show Obamacare approval is at an all-time high, while opinions about Republican replacement plans are more negative.Democrats are using that as a centerpiece of their midterm election strategy.“On the other side of the aisle, they never had a plan,” says Democratic strategist Brandon Neal. “It was always just repeal Obamacare, and I think they were infatuated with the whole idea of just destroying something because it had Obama’s name on it.”With rising health care costs, Republicans argue they made necessary changes to Obamacare.“Under Obamacare, every individual in the country was required to have health insurance or pay a tax,” says Republican strategist Brian Bartlett. “Republicans repealed that tax, because we think individuals should have a choice when it comes to their health care.”A growing number of Democrats now want to expand health care coverage even further by pushing for "Medicare for all." Under the idea, the government would eventually take over health care from private insurance companies and every American would be covered.“Under Medicare for all, the average American family will be much better off financially than under the current system, because you will no longer be writing checks to private insurance companies,” says Sen. Bernie Sanders (D-Vermont).Republicans say the idea of a single-payer health care system is too expensive and bad for most Americans.“Everyone, no matter how much you like your plan, would have their plan taken away,” argues Rep. Paul Ryan (R-Wisconsin). “Instead you will put in a government run plan, where you have no say in the cost or in the coverage. Obamacare mean fewer choices. Medicare for all means no choices, no competition.” 1805

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