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Ann and I extend our congratulations to President-elect Joe Biden and Vice President-elect Kamala Harris. We know both of them as people of good will and admirable character. We pray that God may bless them in the days and years ahead.— Mitt Romney (@MittRomney) November 7, 2020 287

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

Americans have been sending garbage to landfills for almost 100 years.Since the first one opened in Fresno, California in 1937, today the U.S. hauls about 268 million tons of trash to thousands of active landfills each year.However, it's not without debate over whether these dumps are our best option.A lot of our nation's garbage starts in the home. According to the EPA, paper accounts for 25 percent, food is 15 percent of the waste and plastic amounts to 13 percent.The journey to the landfill involves a few pitstops. After garbage collectors pick up the trash, they take it to sorting facilities, where machines and people in full hazmat suits separate everything. This can be time-consuming, and dangerous.Recyclables are sent off to be reused, and trash is either incinerated to create clean, renewable energy or taken to the landfillLandfill operators follow strict guidelines to help make sure their facilities don't cause any harm. They lay a base layer, several feet deep, below any trash. It's made up of materials like clay, minerals, and charcoal, which help make sure nothing seeps into the ground or water. Trash is strategically layered on top and then buried to help seal it off.In some cases, the sealed pile is covered in cement or asphalt and developed in homes or businesses. But those sealed-off piles still give off greenhouse gas emissions and fumes that can harm the environment and peoples' health.Some companies use technology to reduce emissions by capturing them and turning them into renewable energies. Researchers say even with that technology landfills can still pose hazards.One way to reduce the mountains of trash in landfills is to recycle.Americans throw away .5 billion in recyclable materials each year, including paper, plastic, cardboard, and aluminum products. 1817

An employee of a Virginia Publix grocery store who is deaf and lacks peripheral vision claimed she was assaulted by a customer after the employee said she could not hear the woman, WRIC-TV reported. Liberty Gratz was reportedly stocking a shelf when a woman trying to get Gratz's attention punched her from behind. The punch got Gratz's attention, and Gratz was able to point the woman in the right direction, but the incident left Gratz stunned. "She doesn't have that peripheral vision, so she's really focused on her work," Gratz's mom Jeanette Gratx told WRIC. "She doesn't always notice the people beside her."Liberty Gratz later had store management review video footage, but managers were unable to make out the woman. "She could still feel it when I picked her up from work," Jeanette Gratz told WRIC. "How would you feel if you were working and someone just came up behind you and decided to punch you?"Liberty Gratz told WRIC she wishes she could talk to the woman about being kind to people, whether they have a disability or not.  1110

AN DIEGO (KGTV) - Generations apart, a 9-year-old is hoping to give a San Diego WWII veteran the 100th birthday of a lifetime. An aspiring journalist and U.S. President, 9-year-old Arthur Brook has been spending much of his time in recent months interviewing WWII veterans to preserve their stories. "I was beginning to think how good it would be to save their stories while they're still here. There aren't that many of them," said Brook.Along with his dad and sister Sofia, Arthur visits the Veterans Home of California, Chula Vista, to conduct interviews. "Well, most of them have never been interviewed before, never in their whole lives!" said Arthur.Arthur posts his interviews on his YouTube channel, Kids Discovering.When Arthur learned one of the residents, Edwin Schwimmer, would be turning 100 in September, he wanted to do something special for him. He's requesting birthday cards for Schwimmer and only has one rule:"No E-cards are allowed! Only the regular type made out of paper!"Arthur hopes to deliver the cards this Sunday, Sept. 1.Cards can be sent to the following address:Arthur Brook Voices4Heroes 1286 University Ave, # 506 San Diego, CA, 92103 1175