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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 orca whale believed to be grieving her dead calf has carried it with her for five days now.The calf died a half-an-hour after its birth, scientists said. They are monitoring the whale as she has carried the calf on her nose and dives to pick it up when it falls off.Officials said it is a rare occurrence for a whale to keep its dead calf with it. This is the first calf in three years born to endangered orcas.On Saturday evening, the whale and her calf were spotted in Canadian waters. 503

An 8-day-old infant was mauled to death by the family's dog on Wednesday in Lee County, Virginia, the county's sheriff confirmed to WJHL-TV. The infant girl was taken to three different hospitals before being pronounced dead at a hospital in Knoxville, Tennessee. The infant reportedly suffered traumatic injuries to her upper body. The dog is currently in the care of animal control. The county's sheriff office and social service department are both investigating Wednesday's incident. The girl has two other siblings.  554

Apple's latest move in China has privacy advocates and human rights groups worried.The U.S. company is moving iCloud accounts registered in mainland China to state-run Chinese servers on Wednesday along with the digital keys needed to unlock them."The changes being made to iCloud are the latest indication that China's repressive legal environment is making it difficult for Apple to uphold its commitments to user privacy and security," Amnesty International warned in a statement Tuesday.The criticism highlights the tradeoffs major international companies are making in order to do business in China, which is a huge market and vital manufacturing base for Apple.In the past, if Chinese authorities wanted to access Apple's user data, they had to go through an international legal process and comply with U.S. laws on user rights, according to Ronald Deibert, director of the University of Toronto's Citizen Lab, which studies the intersection of digital policy and human rights."They will no longer have to do so if iCloud and cryptographic keys are located in China's jurisdiction," he told CNNMoney.The company taking over Apple's Chinese iCloud operations is Guizhou-Cloud Big Data (GCBD), which is owned by the government of Guizhou province. GCBD did not respond to requests for comment.The change only affects iCloud accounts that are registered in mainland China.Apple made the move to comply with China's latest regulations on cloud services. A controversial cybersecurity law, which went into effect last June, requires companies to keep all data in the country. Beijing has said the measures are necessary to help prevent crime and terrorism, and protect Chinese citizens' privacy.The problem with Chinese cybersecurity laws, Deibert said, is that they also require companies operating in China "to turn over user data to state authorities on demand -- Apple now included."Other big U.S. tech companies have had to take similar steps -- Amazon and Microsoft also struck partnerships with Chinese companies to operate their cloud services in the country.Apple says that it did advocate against iCloud being subject to the new law, but was unsuccessful."Our choice was to offer iCloud under the new laws or discontinue offering the service," an Apple spokesman told CNN. The company decided to keep iCloud in China, because cutting it off "would result in a bad user experience and less data security and privacy for our Chinese customers," he said.Apple users typically use iCloud to store data such as music, photos and contacts.That information can be extremely sensitive. Earlier this month, Reporters Without Borders urged China-based journalists to change the country associated with their iCloud accounts -- which is an option for non-Chinese citizens, according to Apple -- or to close them down entirely.Human rights groups also highlighted the difficult ethical positions Apple could find itself in under the new iCloud arrangement in China.The company has fought for privacy rights in the Unites States. It publicly opposed a judge's order to break into the iPhone of one of the terrorists who carried out the deadly attack in San Bernardino in December 2016, calling the directive "an overreach by the US government."At the time, CEO Tim Cook said complying with the order would have required Apple to build "a backdoor to the iPhone ... something we consider too dangerous to create."Human Rights Watch questioned whether the company would take similar steps to try to protect users' iCloud information in China, where similar privacy rights don't exist."Will Apple challenge laws adopted by the Chinese government that give authorities vast access to that data, especially with respect to encrypted keys that authorities will likely demand?" asked Sophie Richardson, China director for Human Rights Watch.Apple declined to answer that question directly, but it pushed back on concerns that Chinese authorities will have easy access to iCloud users' data."Apple has not created nor were we requested to create any backdoors and Apple will continue to retain control over the encryption keys to iCloud data," the Apple spokesman said."As with other countries, we will respond to legal requests for data that we have in our possession for individual users, never bulk data," he added.Rights groups and privacy advocates are not convinced."China is an authoritarian country with a long track record of problematic human rights abuses, and extensive censorship and surveillance practices," Deibert said.Apple users in China should take "extra and possibly inconvenient precautions not to store sensitive data on Apple's iCloud," he advised.Most of those users have already accepted the new status quo, according to Apple. So far, more than 99.9% of iCloud users in China have chosen to continue using the service, the Apple spokesman said.  4875

An online service that allows people to track criminal activity in their neighborhoods is now available throughout the San Diego area, officials announced Thursday.VIEW CRIME TRACKER MAPThe CrimeMapping.com website initially only covered communities under the jurisdiction of the sheriff's department, but it has been expanded to serve the entire county, according to sheriff's spokeswoman Melissa Aquino."CrimeMapping.com analyzes and maps crime data from arson to assault, burglary, drugs (and) alcohol violations, DUI, fraud, homicide, car theft, robbery, sex crimes, vandalism, car break-ins, weapons violations and even multiple crimes at a single location," Aquino said.Data resource users can view maps in either a satellite-photo view or on a road map, find crime listings compiled in a report format or shown as a graph to identify patterns or trends and get crime prevention tips."There is also an option to sign up for email alerts and to email a link to others, which would be useful for neighborhood-watch groups," Aquino said.The service is a joint program of the sheriff's department, the Automated Regional Justice Information System, the San Diego Association of Governments and law enforcement agencies across the county.The sheriff's department provides law enforcement for unincorporated communities and several area cities that contract with it in lieu of forming their own police departments. 1422

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