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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

An investigation has gotten underway after a search warrant was executed at a Bellevue, Tennessee PetSmart store. The location was raided after the Metro Health Department and Metro Animal Care and Control received information, photos and video detailing an alleged “lack of care” for animals at the store.  Local police served the search warrant Thursday morning.According to PETA, two guinea pigs and a mouse were taken from the store. They released a statement in part:  506

ANDERSON, Indiana — An inmate on work release in an Indiana county is accused of stealing election equipment. The Madison County Clerk says no voting was compromised. Indiana State Police said Tyler Sink, 26, was on work release in Madison County and was authorized to work at the clerk's office. Investigators said an employee with the Madison County Justice Center told police they found a personal electronic ballot and a memory card hidden in Sink's personal belongings. State police say they believe Sink stole the equipment after he volunteered to set up a voting site while on work release. Madison County Clerk Darlene Likens says the compromised machines are not being used in early voting and that no voter information was stolen. "There is nothing, nothing was compromised," said Likens. "Nothing of our election was compromised, not the integrity of it but it's picked up something I don't think he had a clue what it was."Madison County Prosecutor Rodney Cummings issued the following statement: 1041

ANZA-BORREGO (CNS) - A mild earthquake shook the far eastern reaches of San Diego County late Wednesday afternoon.The 3.1-magnitude temblor, centered about 10 miles northeast of Mount Laguna in the Anza-Borrego area, struck shortly after 5 p.m., according to the U.S. Geological Survey.No damage or injuries related to the quake were reported. 351

Artificial turf has been a staple in many pro sports stadiums for about 50 years. And while there's no doubt that AstroTurf and its modern equivalent, FieldTurf, have changed the way pro football and baseball have been played, the surfaces have generally been considered safe for athletes to play on.But on Monday, the NFL Player's Association formally called on team owners to "proactively change all field surfaces to natural grass," citing higher rates of injuries to players who are playing on artificial fields.In an open letter, NFLPA President J.C. Tretter — a center for Cleveland Browns in the midst of his eighth NFL season — claimed that most of his teammates preferred to play on grass, noting that his joints felt "noticeably stiffer" after playing on artificial turf."The unforgiving nature of artificial turf compounds the grind on the body we already bear from playing a contact sport," Tretter wrote.In his letter, Tretter wrote that real grass offers more "give," reducing the stress on feet, ankles and knees. He also noted that NFL injury data shows players have a 28% higher rate of non-contact lower extremity injuries when playing on artificial turf.Tretter also noted that despite harsh conditions, cold-weather cities like Cleveland, Green Bay and Pittsburgh still use traditional grass fields. In addition, indoor stadiums in Las Vegas and Phoenix also use grass surfaces."Agronomically, natural grass field surfaces are possible everywhere," Tretter said.As of 2020, 17 of 31 NFL stadiums use traditional grass.Tretter's letter comes weeks after the NFL was forced to inspect the artificial turf at MetLife Stadium — home of the Jets and Giants — after several high-profile players were injured in the surface in the opening weeks of the season. Among those hurt during weeks 2 and 3 of the season were 49ers players George Kittle Nick Bosa, Jimmy Garoppolo and Raheem Mostert.In 2015, Houston's NRG Stadium switched from natural grass to an artificial surface after more than a decade amid player criticism over injury concerns. Due to its retractable roof, groundskeepers grew grass in trays outdoors and then brought the trays indoors and assembled them together with forklifts to form the playing surface. Players claimed the system created seams in the playing surface which led to injuries, and the stadium even faced a lawsuit from a former player who claimed the grass led to a career-ending injury.Tretter's Browns teammate, wide receiver Odell Beckham Jr., was lost for the season this week after suffering an ACL tear while playing on an artificial surface at Paul Brown Stadium in Cincinnati on Sunday. 2649

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