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Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

As President Donald Trump attempted to sow doubt on this week’s presidential election during a Thursday news conference, several Republican lawmakers criticized Trump for his comments.Currently, Joe Biden is projected to be ahead in the Electoral College vote. Biden is ahead by a 264-213 margin, according to the Associated Press.Trump made a multitude of false and misleading statements to sow doubt into the legitimacy of the election. Among them, Trump said that he won the state of Michigan. Biden won Michigan by a 150,000- vote margin.Maryland Gov. Larry Hogan was among those who offered the strongest criticism of Trump. 637

BALTIMORE - Food safety experts are warning parents to be mindful when packing perishables like sandwiches and yogurts in your child's lunch.Tanya Brown with the United States Department of Agriculture (USDA) said you're looking at a two-hour window before those brown bag lunches become breeding grounds for bacteria.“You should not put perishable items like bologna sandwiches, turkey sandwiches, cheese or yogurt in a brown paper bag and send a child to school with it,” Brown said.Foods can hit the "danger zone," or temperatures between 40-140 degrees Fahrenheit, when it’s left out of refrigeration over two hours. After four hours, the food item should be tossed.“You want to make sure you put them in an insulated lunch bag with at least two cold sources and those two cold sources could be a frozen water bottle or frozen juice packs or gel packs in there. So, you want to put those perishable items in there and make sure the child does not open the bag and keep opening and closing the bag before lunchtime,” said Brown.If you're sending them with something hot, use a thermos, and warm it up first.“The best way to prepare it is to pour boiling hot water into the thermos first, then discard the hot water and then put the hot soup or stew in there. Make sure it's at 165 degrees Fahrenheit,” Brown said.However, the leading cause of sickness is poor hand washing. Brown said this is an easy problem to solve:“Oftentimes, children don't get an opportunity to wash their hands before they go to lunch and just to trigger their memory put a moist toilette in there or some hand sanitizer to remind them before they start to eat their lunch,” she said.Click here for more information on the danger zone and safe handling of food. 1751

Attorney Michael Avenatti has been placed under arrest on suspicion of felony domestic violence and was booked early Wednesday evening.Los Angeles Police Department officer Jeff Lee said the domestic violence report was taken on Tuesday in West Los Angeles and the arrest was made Wednesday."We can confirm that today LAPD Detectives arrested Michael Avenatti on suspicion of domestic violence. This is an ongoing investigation and we will provide more details as they become available," the LAPD Twitter account posted Wednesday.In a statement, Avenatti called the allegations "completely bogus.""I wish to thank the hard working men and woman of the LAPD for their professionalism they were only doing their jobs in light of the completely bogus allegations against me," he said. "I have never been physically abusive in my life nor was I last night. Any accusations to the contrary are fabricated and meant to do harm to my reputation. I look forward to being fully exonerated."Avenatti posted ,000 bail and left police custody Wednesday evening. He told reporters waiting outside the station, "I have never struck a woman. I never will strike a woman.""I am confident I will be fully exonerated," he added.The alleged domestic assault incident was first reported by TMZ.Avenatti emerged this year as a regular antagonist of President Donald Trump, beginning with his legal representation of Stormy Daniels and his frequent media appearances. For months, he has publicly flirted with a potential bid for the Democratic presidential nomination to challenge Trump in 2020.The alleged domestic violence incident could dash Avenatti's prospects as a potential insurgent Democratic candidate and clash with the image he has presented of himself as an advocate for women, including Daniels in her clash with Trump and an accuser against recently confirmed Justice Brett Kavanaugh.The Vermont Democratic Party canceled Avenatti's appearances for Friday and Saturday following his arrest, and it will refund all ticket sales, said Christopher Di Mezzo, the party's communications director.The decision to cancel the events was made "almost immediately after the news broke," he said.The allegation would also mark another legal issue for the California attorney, whose firm settled a case with the IRS in July and was ordered?last month to pay a multimillion-dollar judgment over debt to a former law partner.Following his representation of Julie Swetnick for her allegations against Kavanaugh, Senate Judiciary Chairman Chuck Grassley said in October that he was referring Avenatti and Swetnick to the Justice Department. Avenatti said at the time that the referral was "baseless." Several Democrats said in the wake of Kavanaugh's confirmation that Avenatti and Swetnick's involvement damaged their efforts?to prevent Kavanaugh's confirmation -- a charge Avenatti denied. 2914

BABSON PARK, Fla. — A second university in Polk County, Florida has announced that they will be joining a program that will allow its staff and faculty to legally carry guns on campus.The announcement comes just eight days after a gunman opened fire on a Florida high school killing 17 people.The Polk County Sheriff's Office, in partnership with Webber International University, is establishing the Sheriff's Sentinel Program to enhance the safety of an already safe and secure community of students, faculty, staff, and guests at the University's campus in Babson Park, Florida."Prayers are not enough," Polk County Sheriff Grady Judd said in a press conference on Thursday. “The only thing that stops a bad guy with a gun is a good guy with a gun."Sheriff Judd explained that each teacher or staff member will have to go through extensive training through the program before they are given a gun."My babies — your babies — are in that classroom, and that active shooter is coming down the hallway with that thousand yard stare and that gun in their hand, do you want somebody to step out and stop him? Or do you want him to go into the classroom and slaughter your babies?" 1194