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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

An F-16 fighter jet intercepted a plane that was flying in a restricted area during President Trump's rally in Bullhead City, Arizona, Wednesday afternoon.North American Aerospace Defense Command officials say the plane was intercepted around 2 p.m. after officials noticed it had entered the Temporary Flight Restriction area surrounding Bullhead City.Officials say the violating aircraft did not respond to initial intercept procedures, but established radio communications after NORAD aircraft deployed signal flares.Authorities say the aircraft was escorted out of the restricted area by the F-16 without further incident. 634

AMPA, Fla. — Tampa police have charged a mother with first-degree murder after police say she drowned her daughter in the Hillsborough River, killing her.Shakayla Denson, 26, has been arrested and charged with first-degree felony murder and aggravated child abuse in the death of 4-year-old Je'Hyrah Daniels. She also faces a charge of grand theft auto.Denson made a first appearance in court on Friday morning.  A judge set no bond on the charges of murder and child abuse.Tampa Police officers responded around 4:06 p.m. local time Thursday after receiving reports of a woman who drowned a child in the river just north of the Columbus Drive bridge. The dive team also responded to the scene where they pulled Je'Hyrah from the water around 4:30 p.m. She was discovered approximately 75 feet from the shore. Emergency services rushed her to St. Joseph's Hospital where she was pronounced dead.  Police say Denson was located walking nearby when they took her into custody. Investigators say Denson had just stolen a car - a grey Nissan Altima - from a nearby auto repair shop. She parked the car on Rome Avenue just north of Aileen Street. Witness AccountsAccording to an arrest affidavit released Friday morning, two witnesses said Denson "forcefully pushed Je'Hyrah into the back seat of the Nissan Altima." One of the witnesses attempted to stop Denson from leaving but was struck by the Altima as she left. Two other witnesses told police they saw Denson near Aileen St W and Rome Avenue N where she "forcefully removed Je'Hyrah from the back seat of the Altima by the arm." They said as Denson pulled Je'Hyrah she was "screaming loudly and not cooperating." Denson then went into the Hillsborough River while holding both of Je'Hyrah's arm until the water reached her shoulders.Vicki Walker lives on the 3rd floor of the Dockside Condos in Tampa, directly facing where police say Je'Hyrah was drowned.She told said that she never saw the child, but spotted a woman walking out of water not long before police arrived.“Which was very odd, I’ve lived here for years, I’ve never seen anybody in the river," she said.Walker took a photo of the woman in the river.Walker says that the woman was by herself and that she watched her walk out of the river onto the bank, where she says the woman sat for a while.“There’s a part of me that’s like ‘oh my gosh, why didn’t I run over there? Why didn’t I talk to this person? Why didn’t I find out what was going on?’ I had no idea,” Walker added. A GoFundMe that appears to have been created by Denson was posted nine months ago, it shared a photo of her and Je'Hyrah with the caption: 2684

An Oregon man was arrested last week and faces multiple criminal charges after attempting to destroy a McDonald's location's "Golden Arches" after he was refused an order of 30 double cheeseburgers. The News-Review first reported the March 17 incident, which took place in Sutherlin, Oregon. Jedediah Ezekiel Fulton was charged with suspicion of second-degree disorderly conduct, second-degree criminal trespass, second-degree criminal mischief and harassment, the News-Review reported. The incident became so scary, a witness inside the McDonald's pulled out a gun out of fear. Fulton allegedly became irate after McDonald's employees refused to fulfill his order of 30 double cheeseburgers. After being refused the order, Fulton allegedly tore down a McDonald's banner and attempted to destroy the location's Golden Arches. Why he was refused the order in the first place is unknown.  934

Andrew Miller, a former associate of longtime Donald Trump confidant Roger Stone, did not appear for a scheduled grand jury hearing on Friday, defying a subpoena from special counsel Robert Mueller, according to his attorney.Miller's attorney Paul Kamenar told CNN that they intend to appeal the order to appear before the grand jury, and he said the first step would be for him not to appear.In a closed hearing Friday in a Washington, DC, district court, Judge Beryl Howell found Miller in contempt and then stayed that ruling until this Monday to allow for an appeal to be filed. 590