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Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

As the US federal government was set to run out of funding at the end of Friday, the House of Representatives and Senate both passed H.J.Res. 107 on Friday, which funds the government through Sunday night. Without approval, the federal government would have entered a shutdown on Saturday.The measure passed through the House by a 320-60 margin. Less than an hour later, the Senate approved the bill by a voice vote. President Donald Trump then signed the bill late Friday night, officially keeping the government open this weekend.Without funding, essential federal government employees would work without pay. Other government employees would be told to stay home.The discussion on funding the government comes as House and Senate leaders are still working on a compromise on a stimulus package. Both sides have stated that legislators won’t leave Washington without approval of a pandemic relief package. House Majority Leader Steny Hoyer said congressional leaders will continue discussing a stimulus package over the weekend, but no votes will be called before Sunday afternoon. As of now, 0 stimulus checks are in the pandemic relief proposal.The pandemic relief bill would also include supplemental funds for unemployment, and adding money to the Paycheck Protection Program, which helped businesses make payroll early in the pandemic. 1353

Authorities have intercepted bombs intended for former President Barack Obama and Hillary Clinton, and several other top political figures were targeted in what authorities are investigating as a connected series of incidents.Also, CNN's New York bureau in the Time Warner Center was evacuated after a package containing a bomb, addressed to former CIA Director John Brennan, was discovered, city and local law enforcement officials said.In addition, sources told CNN that a suspicious package intended for California Democratic Rep. Maxine Waters was intercepted at a congressional mail screening facility in Maryland; New York Gov. Andrew Cuomo received what he said was a device at his Manhattan office; and the San Diego Union-Tribune evacuated?its building after "suspicious looking packages" were spotted outside.The developments, which unfolded rapidly and continued steadily into the afternoon, touched off fear and confusion and immediately invited questions about the motives of those responsible. The recipients of the packages are all prominent targets of right-wing criticism and, in many cases, of President Donald Trump himself."This clearly is an act of terror attempting to undermine our free press and leaders of this country through acts of violence," New York Mayor Bill de Blasio said at an afternoon news conference.CNN, citing a law enforcement official, was initially told a suspicious package containing a pipe bomb that was addressed to the White House was intercepted at Joint Base Bolling in Washington, DC. The Secret Service, however, later said it had only intercepted the two packages intended for Obama and Clinton and called reports of a package headed for the White House "incorrect." 1742

As officials try to put together a picture of the alleged synagogue shooter, one focus of the investigation is his social media postings, a federal law enforcement official told CNN. Here's what we know so far about the suspect Robert Bowers, 46:He allegedly made anti-Semitic statements after his arrestThe shooter made anti-Jewish comments during the incident, a law enforcement official told CNN. The shooting took place on the same day as Saturday Shabbat services. At the time of the shooting, three different congregations were holding services at the Tree of Life facility.In one post, he said he "can't sit by and watch my people get slaughtered" 662

BAKERSFIELD, Calif. (AP) — Authorities say a woman stole ,000 worth of quarters and her getaway car was a baby stroller.Bakersfield police officers noticed the woman Friday struggling to push the stroller but quickly realized there was no baby inside, according to the Bakersfield Californian .Police discovered the quarters, which 29-year-old Darrin Fritz had allegedly just stolen from a home, the newspaper reported. Fritz allegedly tried to flee from the officers.She was arrested on suspicion of burglary, possession of stolen property, possession of burglary tools, possession of methamphetamine, resisting arrest and two outstanding misdemeanor warrants.A post on Twitter from the Bakersfield Police Department shows thousands of quarters in evidence bags.It was not immediately clear if Fritz had an attorney who could speak on her behalf. 857