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As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

Army Sgt. Bowe Bergdahl teared up at his sentencing on Monday as he apologized to service members who searched for him after he deserted his outpost in Afghanistan in 2009."My words can't take away what people have been through," Bergdahl, 31, told an audience at his court martial that spilled into an overflow room. "I am admitting I made a horrible mistake."Bergdahl pleaded guilty October 16 to desertion and misbehavior before the enemy. His lengthy testimony began after the presiding judge rejected his attorneys' request to dismiss the case over President Trump's criticism of him during his campaign for the White House. 647

As Florida and other southern states continue to report record numbers of coronavirus cases, Dr. Anthony Fauci said his concern has shifted to states in the Midwest. He called out Ohio, Kentucky, Indiana and Tennessee specifically, saying they are showing an “early indication” that cases of COVID-19 are going up.Fauci, the director of the National Institute of Allergy and Infectious Diseases, said those states should carefully follow guidelines as they open back up during an interview on ABC’s “Good Morning America” on Tuesday.Some states like Florida, Texas, Arizona and California had a major surge in coronavirus cases, he said, but it looks like cases may be cresting and coming back down.“What I'm concerned about is … that some of the other states, the Ohios, Indianas, Tennessees, Kentuckys that are starting to have that very early indication that the percent of cases regarding the number of tests that you have, that it's going up,” Fauci said. “That can be a surefire sign you've got to really be careful and you've got to — if you are trying to open up, please do it in a way that's in accordance with the guidelines.”In April, President Donald Trump rolled out a three-phase plan to ease restrictions that depend on meeting specific case count and hospital capacity thresholds.“If you do that carefully … I think we can prevent the surges that we've seen in the southern states because we just can't afford yet again another surge,” Fauci said.Fauci’s comments come a day after Gov. Andy Beshear ordered all Kentucky bars to close for two weeks. Kentucky reported its second-highest daily total Saturday with 836 more positive cases of the virus and a daily record of 979 confirmed cases on July 19.Ohio's Gov. Mike DeWine made masks mandatory on Thursday, and Indiana's Gov. Eric Holcomb did the same on Monday.This story originally reported by Abby Dawn on wcpo.com. 1896

As a primary care doctor at Vanderbilt University, Dr. John Scott can understand why people were initially delaying preventative care back in the spring, but now, many of the patients he’s seeing are sicker, having delayed routine care for months.“We’re going to have to pay that bill later, and the cost is going to be much greater,” he said.What worries Dr. Scott the most is the 50 percent drop-off in cancer screenings across the country. With Americans avoiding the doctor, they’re putting off preventative screenings for breast cancer, colon cancer and cervical cancer. Diseases that have a much higher rate of being cured when caught early.“So, the impact of that is significant when you think about the benefit of catching cancer at an early stage,” Dr. Scott added.Nearly one-third of Americans have put off healthcare during COVID-19, which is why physicians nationwide are now urging people to schedule that regular checkup sooner rather than later. According to the CDC, 40 percent of Americans are also struggling with mental health issues and depression right now, something most doctors screen for during regular checkups.“Healthcare is a marathon and you want to put the finish line as far out as possible, so if we start skipping steps, then we aren’t going to get to the finish line we want,” Dr. Scott warned.And since it could be months or even years before the pandemic is over, family physicians across the country are urging people to at least consider making that a trip to the doctor.“It’s safe to return. It’s safer to return than not, when we look at these long-term issues. There is medical care that needs to occur,” Dr. Scott added. 1670

Amid all of the retail chaos and change of 2020, at least one thing remains the same: the biggest sale day of the year.Black Friday — the day after Thanksgiving — has a reputation as the best time of the year to buy just about anything.But even though Black Friday still exists in 2020, it won’t be the same experience as before. Our guide can help you get the best bargains this Nov. 27.Buy: TelevisionsLow-priced electronics deals are a given on Black Friday. That won’t change this year.Last year, Target sold a 65-inch TV in stores for only 9.99. Walmart, too, had a 65-inch TV for just 8. This Black Friday, you’re guaranteed to find discounts on TVs, as well as tablets and laptops.As for some stocking stuffers to go along with your new TV, you’ll find video games, CDs, DVDs and Blu-rays deeply discounted from their original prices. In 2019, Walmart had over 50 movie titles for .96 apiece.Skip: ToysHistorically, it’s best to wait until closer to Christmas to purchase dolls, action figures, play sets and other toys. You run the risk that certain items will sell out, but you may also be able to find bigger savings on what’s left.In past years, select toys have been on sale for as much as 50% off in the final days before Christmas.Buy: Apple productsThere’s a specific electronic brand that’s popular on Black Friday: Apple. Major retail stores such as Best Buy, Target and Walmart discount Apple products each year, and previous-generation models usually see dramatic deals. These offers may include price cuts, free gift cards with purchase (up to 0 with a qualifying phone purchase on an installment plan), or a combination of both.Target devoted an entire page of its 2019 Black Friday ad to Apple. The Apple Watch Series 3 (GPS) started at 9.99 (regularly 9.99), and select App Store and iTunes gift cards were buy one, get one 30% off.Apple discounts likely won’t disappear this Black Friday. In fact, Apple items have already been on sale in pre-Black Friday sales. Keep an eye out for deals on MacBooks, iMacs, iPhones, iPads, Apple Watches and Apple TVs.Skip: BeddingYou’ve got the entertainment center covered, but hesitate before stocking up on supplies to refresh the look of your bedroom this Black Friday.Every January, retailers such as Overstock, Pottery Barn and Sears host “white sales.” During these seasonal promotions, discounts on bedding, pillows, towels and linens can hit up to 70%. Expect these to come around after Jan. 1.Buy: Gaming systemsBlack Friday is big for gamers. This year, look for savings on video game systems from retailers such as Best Buy, Walmart and GameStop. Expect deals on products from Xbox, PlayStation and Nintendo.You’ll also find particularly great offers on gaming bundles. These include the game console plus a combination of accessories or games.Skip: Winter clothingWinter clothing generally isn’t the best value on Black Friday. Retailers frequently offer big clearance sales on jackets when winter gives way to spring.But if you need something to keep you warm before then, you’ll be able to find some bargains this Black Friday. Year after year, department stores like to offer doorbuster deals on women’s boots with select pairs for just .99 each.If you miss Black Friday, don’t worry. Department stores and clothing retailers have been rolling out new sales almost daily.Buy: Christmas decorBlowout post-Christmas clearance sales happen every year on Dec. 26 as shoppers make their way to the store to return gifts. Christmas decorations, wrapping paper, tinsel and other seasonal trimmings reach super low prices (for obvious reasons). Prices also drop in the final weeks before Christmas.For those reasons, Christmas decorations used to be on our list of items to skip on Black Friday. But this year, it’s less likely you’ll be at the mall shortly before Christmas. And waiting to order online could spell shipping delays.So if you need decorations, consider scooping up deals on artificial trees and rolls of wrapping paper from home and craft stores on Black Friday. That way you’ll have your essentials in time for Christmas.Skip: Outdoor itemsOutdoor products, grills and patio furniture were already deeply discounted immediately after summer ended.If you didn’t pick up these products at the close of this summer, wait until Memorial Day and Labor Day sales roll around next year. Another viable option is the Spring Black Friday Sale that home improvement store Lowe’s usually holds each year.Buy: AppliancesBlack Friday brings big savings on washers, dryers, refrigerators and other kitchen appliances. Retailers typically mark down home appliances by 40%. Look for similar deep discounts again this year.You’ll find smaller appliances such as coffee makers, mixers, blenders or vacuum cleaners on sale, too. Expect deals from department stores such as Kohl’s, Macy’s and JCPenney.Shop: OnlineFor the ultimate combination of convenience, safety and savings, spring for online shopping. With so many stores closed on Thanksgiving, big-box retailers are bringing their doorbusters online this Thanksgiving and Black Friday.Online shoppers will usually enjoy free shipping. Or, you can choose to make your purchases online and pick them up at the store.More From NerdWalletHow to Get the Best Lowe’s Black Friday 2020 Deals13 Ways to Leave Scammers Empty-Handed This Holiday SeasonHow to Shop Black Friday Deals OnlineCourtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. 5530