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Tropical Depression Thirteen formed over the Atlantic late Wednesday night, and according to the National Hurricane Center (NHC) the storm is expected to strengthen into Tropical Storm Laura on Thursday.Thirteen is about 830 miles east-southeast of the Northern Leeward Islands, according to NHC’s 8 a.m. update. The system is packing 35 mph winds and is moving west-northwest at 21 mph.Denis Phillips, the Chief Meteorologist at Scripps station WFTS in Tampa, Florida, says the track and intensity of the storm are likely to change several times over the next three to four days."The bottom line, remember, 'The trend is your friend' when it comes to model data. We don't overreact to changes that are favorable for us, or unfavorable for us. Again, it goes with the territory," Phillips said.Watches and Warnings:Tropical Storm Watch:Saba and St. EustatiusSt. MaartenAntigua, Barbuda, St. Kitts, Nevis, and AnguillaThis story was originally published by Emily McCain on WFTS in Tampa, Florida. 1003

Tuition bills are coming due, and while millions of students across the country are weighing the risks of going back to college in the middle of a pandemic, the most financially strapped students carry an added burden of dwindling aid.For Americans living in the lowest income brackets, college represents a way up the socioeconomic ladder. But getting there and obtaining a degree is not easy, especially for students without financial means. The Pell Grant has historically removed some of the obstacles for the most at-need students. But alongside the skyrocketing cost of higher education, the federal grant is having less and less of an impact.The Pell Grant is the largest source of postsecondary education grant aid, helping to fund higher education for at-need students since 1973. In its budget proposal for the 2020-21 school year, the U.S. Department of Education anticipated giving Pell Grants to 6.8 million at-need students, to the tune of .6 billion.How much each student qualifies for depends on their expected family contribution, or how much the federal government says they should be able to contribute toward their own education. Those with the most financial need could qualify for the maximum allowable grant amount: ,345 in the 2020-21 academic year.That authorized maximum amount has grown from ,400 in the Pell Grant’s early years. Despite this growth, it has failed to keep pace with the ballooning costs of a college education.In the past 20 years, average tuition and fees at public four-year institutions (the most affordable type conferring bachelor degrees) have more than doubled, to ,440, while maximum Pell Grant awards have only grown 29%. And tuition isn’t everything — room and board, books and living expenses come at an additional cost.As recently as 2002, the most at-need students would nearly be able to cover their entire tuition and fees at these lower-cost institutions by qualifying for the maximum Pell Grant. But now, those qualifying for maximum Pell awards would find it covers just 59%.Not only has the Pell Grant not kept pace with college costs, it hasn’t kept pace with inflation. To have the same buying power as ,400 did in the grant’s early days, the maximum award amount would need to be about ,000 today.Loans likely filling the funding gapAccording to data from the most recent National Postsecondary Student Aid Study, 90% of dependent full-time undergraduates from households in the lowest income quartile received a Pell Grant in 2016. Among independent undergraduates in that income bracket, 64% received the grant.State and institutional need-based grants may be picking up some of the slack. State need-based grants went to 27% of all full-time students at public four-year institutions in 2016. Need-based grants from institutions went to 17%. But some 57% of students in this lowest income group took out student loans that year.While the Pell Grant typically accounted for 34% of a low-income undergraduate’s total aid in 2016, loans accounted for 44%.Gone are the days when a student’s job (or jobs) could cover their college costs. When grants and scholarships — free money — aren’t enough to cover the costs of education, those from households without college savings have little choice but to turn to borrowing. But student loan debt can be detrimental to lower-income students. A degree can confer higher earning potential, but for a variety of reasons — some of them financial — students in the lowest income brackets are typically the least likely to graduate, according to data from the U.S. Department of Education.Low-income parents also feeling the stingWhen a dependent student has exhausted grants and federal loan limits themselves, they can tap their parents’ borrowing potential.Parent PLUS loans have been around since 1980, allowing parents to borrow up to the difference between the entire cost of attendance and the aid directly awarded to their student. Borrowers must pass a credit check, but there are no income requirements. As of the second quarter of 2020, these loans account for billion or over 6% of all federal student loans outstanding, according to the Department of Education.In 2016, 11% of dependent full-time students in the lowest income quartile at public four-year institutions benefited from federal parent PLUS loans, according to the NPSAS. That’s compared to just 3% in 1996. These loans typically amounted to ,500 in 2016.Federal PLUS loans come with higher interest rates and fewer repayment options than federal student loans. In the 2020-21 school year, PLUS loans are being offered at 5.3% interest compared with 2.75% for federal undergraduate loans. And should a parent run into difficulties repaying the loans — as they increasingly do, according to an analysis from the Brookings Institution — there is only one income-driven plan available. Income-Contingent Repayment plans lower monthly payments by capping them at a percentage of income, but increase the total amount paid over the life of the loan due to interest and an increased term length.What students can doBarring significant increases in need-based aid or significant decreases in college costs, lower-income students and their parents will often have to continue cobbling together their college funds from a variety of sources.The following tips are applicable for anyone who doesn’t have their entire cost of college covered:Maximize free money. Fill out the Free Application for Federal Student Aid, or FAFSA, on time — every year. It’s how you access federal, state and institutional financial aid. Apply for scholarships every year, and only turn to loans when free money is exhausted.Be strategic about borrowing. Borrow only what’s needed and opt for federal student loans whenever possible. Carefully weigh the risks of borrowing a parent PLUS loan versus a private student loan, should education expenses exceed what you can qualify for.Compare costs across institutions. Don’t commit too quickly — weigh all costs associated with attending various schools, and consider starting your college career at a lower-cost community college.Earn while you learn. Look into the work-study program or a part-time job to earn money while in school.Stay committed. Seek out resources on and off campus to stay engaged and enrolled. Leaving college without the increased earning power of a degree makes student loan debt that much harder to pay off.More From NerdWalletHow a Gap Year Might Haunt You FinanciallyDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6721

VALLEY CENTER, Calif. (KGTV) - Amid a COVID-related cancellation at a Valley Center cemetery, a community is coming together to help save an annual tradition.Valley Center Cemetery is the final resting place to more than 300 veterans. On Friday, local florist Jenelle Brinneman learned an annual holiday sight would not be laid out.She says the local chapter of a nonprofit that puts down Christmas wreaths at military grave markers announced there would be no wreaths, citing logistical problems in placing them amid COVID-19 restrictions and stay-at-home orders."Our hearts dropped, because we know how much it means," said Brinneman.On Memorial Day and Veterans Day, Brinneman raised money to place roses at military grave sites amid similar cancellations."There were strangers thanking us. People were crying, watching us put roses down," said Brinneman.Undeterred after the most recent disappointment, Brinneman posted on Facebook on Friday a call for donations to make wreath sprays, a smaller version of wreaths. When she returned home Saturday evening, she discovered something astounding."I just started crying right there. Our town is amazing ... My driveway was filled with pine, cedar, ribbons, and wreaths companies were about to throw away," said Brinneman.Brinneman set up a workshop in her driveway. Dozens of volunteers have signed up to help assemble."This is what the Christmas spirit is all about," said Brinneman.She's also hoping to include message from kids."It will be so great to walk past and see a little note attached from an amazing child in our town," said Brinneman.Brinneman says come Christmas Eve -- thanks to a community's support -- she'll be able to place the sprays at every military grave marker in the cemetery."They deserve to be recognized. Seeing the wreaths on the grave markers is something unexplainable. Because of the community, loves ones will see those wreaths," said Brinneman.Brinneman is still in need of a lot of messages from kids. If you'd like to send a message, take a photo of the child's handwritten message and email it to bellanifloralevents@outlook.com. You can also drop off a handwritten message at Fat Ivors Rib Rack between 11 a.m. and 8 p.m. or the mailbox at Bellani Floral. 2251

Two videos of a man passed out with a semi-automatic rifle and other guns in his vehicle in Las Vegas have gone viral.According to the man who recorded the videos, the man was slumped over a steering wheel in a parking lot near a McDonald's restaurant about five miles from the Las Vegas strip.The first video shows a group of paramedics with MedicWest gathered around the car. According to Steven Gibson, the paramedics spotted the guns and called police. 474

Twitter CEO Jack Dorsey knows the tech world has a problem. He's asking big questions like "How do we earn peoples' trust?""We realize that more and more people have fear of companies like ours," Dorsey said in an in-depth interview with CNN. He cited the "perceived power that companies like ours have over how they live and even think every single day."The following day, President Trump proved his point."Social Media is totally discriminating against Republican/Conservative voices. Speaking loudly and clearly for the Trump Administration, we won't let that happen," the president tweeted Saturday morning.Trump is tapping into a widely held belief on the right about biased tech companies. The claims have even become an issue on the campaign trail. "They are trying to silence us" is the new rallying cry.Companies like Facebook and Twitter say they understand the perception, but deny that their algorithms and employees discriminate against any particular political point of view."Are we doing something according to political ideology or viewpoints? We are not. Period," Dorsey said Friday. "We do not look at content with regards to political viewpoint or ideology. We look at behavior."But he knows some people do not believe him."I think we need to constantly show that we are not adding our own bias, which I fully admit is left, is more left-leaning," Dorsey said."We need to remove all bias from how we act and our policies and our enforcement and our tools," he added.In the interview, Dorsey kept coming back to the need for transparency, in much the same way that journalists talk about trying to explain news media processes to readers. Tech companies, he said, need to explain themselves too."I'll fully admit that I haven't done enough of that," he said. "I haven't done enough of, like, articulating my own personal objectives with this service and my own personal objectives in the world."Dorsey spoke candidly about the "fear" people feel about Silicon Valley.When asked "Do you feel as powerful as they think you are?" Dorsey said no, "but I do understand the sentiment. I do understand how actions by us could generate more fear, and I think the only way we can disarm that is by being a lot more open, explaining in a straightforward way why we make decisions, how we make decisions."His bottom line: "We need to be reflective of the service that we're trying to build."Trump, of course, is one of Twitter's highest-profile users. His Saturday morning tweets about censorship lined up closely with Tucker Carlson's Friday night segment titled "Coordinated censorship by big tech." Carlson cited the recent actions against far-right conspiracy theorist Alex Jones."Increasingly the people in charge use technology to silence criticism, mostly of them," Carlson said.To hear Carlson and other conservative commentators tell it, Twitter and its peers are quashing dissent on a daily basis.Trump tweeted that "they are closing down the opinions of many people on the RIGHT, while at the same time doing nothing to others."Trump did not mention Jones or Twitter specifically. But Jones has been in the news lately because CNN and other outlets have been highlighting how his social media posts violated the rules of Twitter and other sites.On Wednesday, Twitter placed some of Jones' accounts on a one-week time-out.Many observers have been skeptical about whether a temporary suspension will actually be effective against Jones.When asked about that in Friday's interview, Dorsey said "I don't know" if Jones will change his offensive behavior."We have evidence that shows that temporary suspensions, temporary lockouts will change behavior. It will change peoples' approach. I'm not na?ve enough to believe that it's going to change it for everyone, but it's worth a shot," he said.More importantly, he added, Twitter has to be "consistent with our enforcement.""We can't just keep changing" the rules "randomly, based on our viewpoints, because that just adds to the fear of companies like ours -- making these judgments, according to our own personal views of who we like and who we don't like -- and taking that out upon those people. Those viewpoints change over time," he said. "And that just feels random and it doesn't feel fair and it doesn't earn anyone's trust because you can't actually see what's behind it." 4353

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