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Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

MIDDLETOWN, Ohio — The things Lt. Col. Joe Jackson stored in his mother's basement before his most recent deployment couldn't be worth more than a few hundred dollars to a pawn shop, he said Tuesday night. They were family keepsakes, mostly: His father's Xavier class ring, relatives' dress watches and mementos from his other tours of duty. Nothing he felt he needed to worry about when he left for Afghanistan on Valentine's Day.They were gone when he returned for Thanksgiving, leaving him awash in "shock, anger and disappointment.""You realize the magnitude — the value beyond the monetary value of the things that were taken from you and how irreplaceable they are," he said. "Whether you can find them in a jewelry store or have them recreated, it's never going to be the same."His mother couldn't have moved them, he said. Multiple strokes have kept Rosalind Jackson in need of daily care since the turn of the century, and her family pays for a rotating team of caregivers to ensure her safety and comfort.She and her son believe one of those caregivers could be behind the theft. The culprit must have had both access to the home and in-depth knowledge of its contents, according to Joe Jackson. He didn't store his valuables in conspicuous containers."It makes me sick," his mother said. "Really."Jackson had returned to Fort Benning by Tuesday night. He said he had been working closely with Middletown, Ohio police to find leads and track down his missing possessions but encouraged members of the public to reach out with information as well.His hope? When he comes home again for Christmas, his treasured keepsakes will be there, too. 1682

McClatchy, the publisher of more than two dozen daily newspapers across the country, will reduce its staff by approximately three and a half percent, cut expenses across the company, and implement other measures to save money, the company announced in an internal memo obtained by CNN on Tuesday.Craig Forman, president and chief executive officer of McClatchy, told employees in the memo that the decisions were "painful and difficult" but "necessary to protect and further our future." He placed blame, in part, on the decline in revenue from print advertising."Talented and passionate people who have dedicated their energy to our mission, colleagues we call friends and rely on everyday, will leave the company," Forman wrote. "We thank you all for your commitment to McClatchy and to local journalism and wish you nothing but the best in your future endeavors."A spokesperson for the company told CNN that the staff reductions would affect nearly 140 employees.Forman said that the employees impacted have been notified. He also said other measures were being taken to reduce operating costs, including cutting expenses across the company and having senior leaders take two weeks of unpaid leave.Forman, however, said that "most of our expense savings are in legacy areas" which would allow the company to "continue to build our future as a digital-DNA, journalism-driven media business."Among the newspapers McClatchy operates are the Miami Herald, Sacramento Bee, Lexington Herald-Leader, The Charlotte Observer, The Herald-Sun, The Wichita Eagle, and The Kansas City Star.The cuts come at a time when local newspapers continue to struggle. The New York Daily News slashed 50 percent of its newsroom in July. 1728

MEXICO CITY (AP) — There were two notable holdouts among the world leaders who rushed to congratulate Joe Biden on his victory in the U.S. elections: the leaders of Latin America’s two biggest countries, both of whom have been seen as friendly to President Donald Trump. President Jair Bolsonaro of Brazil is sometimes dubbed “the Trump of the Tropics” for his populist, off-the-cuff style, and he's kept silent on Trump’s loss. Mexican President Andrés Manuel López Obrador refused to congratulate Biden thus far, saying he would wait until legal challenges are resolved. While their motives may be quite different, both leaders faced criticism at home for their stance. 679

MARTIN COUNTY, Florida — As early as next week, you could start to see an improvement in the water quality in Martin County.Officials plan to start cleaning up some of the areas most impacted by algae. They hope to give residents some relief from the sight and smell of the algae and help the estuary recover from its damaging effects.Martin County Ecosystem Division Manager John Maehl said because the county declared a local state of emergency earlier this week, it can more quickly obtain grant funds from the Department of Environmental Protection to pay for and expedite clean up efforts.The plan is to get contracted clean up crews on the water early next week, possibly by Tuesday. Even before declaring the state of emergency, county officials had been interviewing and researching companies with technology they say can clean up the algae, without creating more harm to the environment.By next week, Maehl said at least a couple are prepared to get to work.In at least one case, they would be vacuuming the algae from the water.Exactly where the clean up will happen is unclear, but Maehl said the county has been surveying the area, looking to create a priority list of the places they will send crews to first.That could be areas such as Central Marine, typically hit hard by the thickest of the algae.“The really nasty stuff, try to get that out and take away the most noxious component of this and then let the estuary do its thing. The estuary is remarkably resilient,” Maehl said.This is the first year the county has taken on algae clean up effort, so it is a learning experience.“It’s a really complicated issue with a lot of different solutions and really the approach we’re taking is we’re throwing a lot of stuff against the wall and see what sticks,” Maehl said.Stuart resident Teresa Cooper is among those glad to see action being taken.She lives right along the water and can smell the stench of the algae while walking her dog.“I don’t walk him over there, so I just kind of keep him on the side, because it’s bothering me, I’m sure it’s bothering him,” Cooper said. “It hurts your throat and just smells very bad."Maehl said the county also hopes, by next week, to place booms in strategic areas to hold and collect algae. That could include putting a boom in canals leading to the St. Lucie Estuary to keep algae from flowing into the waterway.Maehl is not sure if the cleanup will last for weeks or months. 2457

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