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At least one person in southwestern Kentucky was killed Saturday night when severe thunderstorms blew through the state, the Logan County Sheriff's Department said.A 79-year-old woman died in her home, the agency said.The county's emergency management office said some structures, including barns and grain bins, were damaged.Robertson County, on the other side of the border with Tennessee, also had reports of damage.The National Weather Service has issued a tornado watch for parts of Arkansas, Illinois, Kentucky, Mississippi, Missouri and Tennessee until 9 p.m. CT (10 p.m. ET). 591

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

BALTIMORE — Romance scams have nearly doubled this year, according to the FBI. The holidays coupled with the pandemic have many people feeling lonely. Dating sites help singles connect, but it's not always who you think it is.A Montgomery County man thought he was in a relationship with a woman named Brandy Bowens, instead, he lost ,000 in a romance scam. "It’s like there are claws in you that you can't seem to get out," he said.He didn't want to be identified but wants to warn others about how his five-year relationship ended in financial ruin."It's hard. I lost the money and it messed up everything in a financial way for me, trying to build my credit back, just so much that that has screwed up for me," he said.His better judgment took a back seat when he was asked to be the go-between for the woman's art business. The FBI later informed him that he was involved in a money-laundering operation."That's a huge problem and continues to be a problem," said Supervisory Special Agent Keith Custer with the FBI Baltimore field office.Custer estimates that romance scams are up 30 to 50 percent. It's also one of the highest dollar value scams, and victims rarely get their money back.Custer is warning anyone with an online dating profile to research the person's photo and profile. Start by doing a reverse google image search, and look for scammers to make up excuses on why they can't meet in-person or video chat."Saying my phone is broke or my camera doesn’t work," the Montgomery County man said.And never send money to anyone you don't know personally."More people are being isolated and are online looking for companionship, so naturally that fraud and those scams are going to continue," said Custer.If you think you might be a victim of a romance scam, contact your local FBI office or file a report online.This story was first reported by Mallory Sofastaii at WMAR in Baltimore, Maryland. 1920

Atlanta Dream point guard Renee Montgomery is opting out of the 2020 WNBA season to focus on social justice reform after the death of George Floyd in Minneapolis.Montgomery tweeted her decision on Thursday."After much thought, I’ve decided to opt-out of the 2020 WNBA season. There’s work to be done off the court in so many areas in our community. Social justice reform isn’t going to happen overnight but I do feel that now is the time and Moments equal Momentum. Let's keep it going!" 495

Attorney General Jeff Sessions revealed Thursday that Utah's top federal prosecutor, John Huber, has been examining a cluster of Republican-driven accusations against the FBI and has decided that no second special counsel is needed -- at least for now.Huber has been looking into allegations that the FBI abused its powers in surveilling a former Trump campaign adviser, and more should have been done to investigate Hillary Clinton's ties to a Russian nuclear energy agency, but his identity had remained a secret.But Sessions' decision to stop short of formally appointing a special counsel like Robert Mueller, detailed in a lengthy written response to threeRepublican chairmen on Capitol Hill, will likely anger those in the GOP who have recently ramped up calls to investigate claims of political bias at the nation's top law enforcement agencies.It also comes one day after the Justice Department's internal watchdog office confirmed?it would review how the FBI obtained a warrant to monitor Trump foreign policy aide Carter Page, as well as the bureau's relationship with Christopher Steele, the author of the Trump dossier.Huber, who currently serves as the US attorney in Utah, may now find himself thrust into the middle of a fierce partisan struggle -- with Republicans arguing anything short of a special counsel is insufficient because the Justice Department cannot investigate its own people, and Democrats maintaining that any allegations of bias are an unfounded ploy to distract from Mueller's investigation into possible coordination between Trump campaign associates and Russian officials.Originally appointed by President Barack Obama in 2015, Huber, along with many other US attorneys, resigned after President Donald Trump took office early last year, but was reappointed by Trump shortly thereafter. 1845