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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

An aspiring dancer from Alabama thought she would be ticketed — or worse — by a Birmingham police officer after he approached her about dancing in the middle of a street.Lala Diore, who has been dancing since she was 3, according to WBRC-TV in Birmingham, was filming an audition video to send to singer Janet Jackson while Officer Philip Jones was driving by.According to Diore's Facebook post, Jones told Diore that she shouldn't be in the middle of the street, but quickly changed his tune."So you are risking getting hurt for this," Jones asked, according to Diore's Facebook post. "...okay I’ll stop traffic for you and cut my lights on, show me what you got."Jones then blocked traffic with his cruiser, and turned up his headlights to help Diore get the shot. "This has actually showed the world and the community that police officers are not just out here to harass people or that we’re being mean and uptight," Jones told WBRC. "It shows we are human and we can have a little fun." 1023

Another nationwide retailer is filing for bankruptcy amidst the pandemic.Stein Mart filed for Chapter 11 bankruptcy protections Wednesday, citing the current situation in retail during the coronavirus pandemic.“The combined effects of a challenging retail environment coupled with the impact of the Coronavirus (COVID-19) pandemic have caused significant financial distress on our business,” said Hunt Hawkins, Chief Executive Officer of Stein Mart, Inc. in a statement from the company. “The Company lacks sufficient liquidity to continue operating in the ordinary course of business. I would like to thank all of our employees for their dedication and support.”Stein Mart says they expect to close most, if not all, of their 281 stores and they have launched a “store closing and liquidation process.” The first store opened in 1908 in Mississippi.The discount department store says they are looking at possibly selling their website and intellectual property during the Chapter 11 process.Stein Mart adds to the list of several retailer who have announced bankruptcy filings or closings, including Tuesday Morning, JCPenney, Sur La Table, Mens Warehouse, Ann Taylor and Lord & Taylor. 1199

Anti-scaling fence is set up at an entrance to Lafayette Park, Monday, Nov. 2, 2020, near the White House in Washington, on the day before the U.S. election. (AP Photo/Jacquelyn Martin) 193

Arlington National Cemetery is a shrine that honors our military.But on this Memorial Day, it’s facing a dilemma. It's running out of room, and is now considering restricting who can be buried there.“Arlington National Cemetery is just so special. Around here we say every day is Memorial Day,” said Karen Durham-Aguilera, the executive director of Army National Military Cemeteries.  “Without a change, every veteran who served in a Gulf War conflict, that's Iraq, Afghanistan and all the other conflicts we've been in since then, will not have the honor of coming here, even if they're medal of honor recipients."The cemetery holds more than 7,000 burials a year, or about 30 a day.With aging veterans and on-going conflicts, the cemetery is running out room and, if nothing changes, they'll run out of space in the next twenty years or so. Unable to expand much more, the cemetery is now looking at putting new restrictions on who can be buried there.On its website, the cemetery is now taking a survey asking the public for input on which veterans should get priority. For example: those killed in action, retired veterans, or those who received high honors, like a Purple Heart or Medal of Valor.“Anybody can take it. It's very narrowly focused, saying what do people want us to do." Said Durham-Aguilera.With your help, Arlington National Cemetery wants to make sure it's ready and able to honor the next generation.  “It's not just for that current generation of gulf war and beyond veterans, but that five-year-old who one day is going to raise his or her hand and say I want to serve this nation. We want to make sure we have options available for them," said Durham-Aguilera. 1703