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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

AVALON, Calif. (AP) — The nonprofit organization that owns a majority of California’s Santa Catalina Island plans to boost eco-tourism by adding more bison to existing herds, recharging a debate over their environmental impacts. The Los Angeles Times reports the Catalina Island Conservancy says there has not been a bison calf born on the island in seven years and the herd size has dwindled to 100. The conservancy board is working to bring two pregnant bison to the island. A biologist says bison herds stay on isolated patches of grass and adding more animals will not result in more bison sightings by eco-tourists. 628

AZUSA (CNS) - A 600-acre brush fire was burning close to houses in Azusa Thursday afternoon, prompting evacuations for the Mountain Cove community.The Ranch Fire was reported about 2:45 p.m. near North San Gabriel Canyon Road and North Ranch Road, according to the Azusa Police Department and the Los Angeles County Fire Department, which called in a second-alarm response.The blaze was initially burning uphill in medium to heavy brush, and by 4:30 p.m., the fire had grown to 600 acres with no containment.At 3:30 p.m., mandatory evacuation orders were issued for Mountain Cove residents who live south of Highwood Court, according to the Azusa Police Department. Mountain Cove residents north of Highwood Court were asked to voluntarily evacuate.Shortly after, mandatory evacuation orders were extended to include Mountain Cove residents who live north and west of Turning Leaf and Boulder Ridge, according to the Azusa Police Department.Helicopters and crews on the ground worked to prevent the fire from reaching nearby homes, and shortly before 4:30 p.m., the Los Angeles County Fire Department reported the blaze was growing but "burning away from foothill cities and into the forest." Evacuation orders remained in effect.State Route 39, also called San Gabriel Canyon Road, was closed in each direction in the area. Northbound lanes were closed at Sierra Madre Avenue and southbound lanes were closed at East Fork Road, according to Caltrans. 1459

At least 14 people were sent to the hospital Saturday after a storm knocked over concert entrance trusses at an Oklahoma outdoor concert venue hosting the Backstreet Boys and 98 Degrees, a spokeswoman for the property owner said.The staff at the venue had begun evacuating fans after lightning was spotted, Kym Koch Thompson, a spokeswoman for WinStar World Casino and Resort, said.But about 150 people in line "did not heed staff's warnings."Thompson said the area was pounded by heavy rain and winds as strong as 80 mph. 530

AUSTIN, Texas — A Texas sheriff has been indicted on charges accusing him of destroying or concealing video in an investigation into the death in custody of a Black man, Javier Ambler, that was filmed by the police reality TV series “Live PD.”Williamson County Sheriff Robert Chody was booked into his jail Monday on a ,000 bond and released a short time later. The sheriff’s charge is a third-degree felony that is punishable by up to 10 years in prison.Williamson County prosecutors have been investigating possible evidence tampering following Ambler’s death in March 2019.The county's sheriff’s deputies repeatedly used stun guns on the 40-year-old man, despite his pleas that he was sick and couldn’t breathe.A report obtained by The Associated Press shows Ambler’s death was ruled a homicide and noted it could have been “justifiable.” An autopsy showed the man died of congestive heart failure and hypertensive cardiovascular disease associated with morbid obesity “in combination with forcible restraint."Body-cam video of the deadly incident has surfaced, but another that was shot by “Live PD” crews has been destroyed.A&E, which aired the now-canceled show, has said it didn’t keep the footage after it was informed that the initial investigation into Ambler’s death had closed. The network also has said it wasn’t “asked for the footage or an interview by investigators from law enforcement or the District Attorney’s office.”Court records obtained by The AP show Chody is accused of destroying or concealing recordings “with intent to impair their ability as evidence in the investigation” of Ambler’s death.Chody denies ever tampering with evidence and has accused prosecutors of bringing the case to a grand jury for political reasons. 1765