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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

Authorities say a St. Louis police officer who was shot in the head while responding to a shooting on the city’s south side has died.Twenty-nine-year-old Tamarris L. Bohannon had been with the department for nearly four years.St. Louis Police Department spokeswoman Officer Michelle Woodling says a second officer who was shot in the leg was treated and released after the shooting around 6 p.m. Saturday in the South Grand neighborhood.The gunman barricaded himself inside a home and police negotiated with him for nearly 12 hours before the 43-year-old was taken into custody Sunday morning.Police have released no details about his arrest. 650

BALTIMORE — A Baltimore police officer who was recorded repeatedly punching a man has resigned.Gary Tuggle, the interim commissioner of the Baltimore Police, accepted the resignation of the officer.The incident happened Saturday morning on East Monument Street and North Rose Street and shows a Baltimore police officer repeatedly hitting another man.The cause of this incident is unknown, but Gary Tuggle, the Baltimore Police Department’s Interim Police Commissioner, sent out the following statement: 526

At Allan Hancock College’s Fire Academy, Battalion 146 recently went through some intense rescue scenarios.“Help a brother out. Come on,” shouted an instructor.The person responsible for training the future firefighters is academy coordinator Andy Densmore, who has been in this industry for almost four decades and is retiring at the end of this year.“There’s nothing you can do about it,” he said. “We have to make the change.”Changes due to COVID-19.Since the pandemic hit, academy class sizes have been cut by a third, cadets are screened before they enter the facilities, they socially distance themselves once they’re in and wear masks when they’re not in face pieces.“The nice part is we asked these kids for their commitment the first day that we meet them and we said, ‘there’s only one variable in this entire program and it’s you,’” Densmore said.As Densmore’s career comes to a close during this crisis, Camila Schafer, class president of Battalion 146, is just starting hers.“Whether it’s a pandemic, it’s a fire, it’s a surf rescue, we’ll answer that call,” she said.Schafer says instructors can control all aspects of a cadet’s day while on campus but once they leave the academy, however, cadets are committed to an individual responsibility.“On weekends, we’re studying. we’re hitting the books,” she said. “We’re making sure that we’re not out there putting our battalion in jeopardy and possibly getting this virus.”Employment of firefighters is projected to grow faster than the average for all occupations across the country, according to the Bureau of Labor Statistcs.While this fire academy is training with new challenges, Densmore believes smaller class sizes could make cadets like Schafer better prepared than firefighters of the past.“We don’t graduate mediocre,” he said. “Our standards are really, really high. And we exceed what the state requires." 1888

AURORA, Colo. – Aurora Interim Chief of Police Vanessa Wilson has opened an internal affairs investigation in connection with the alleged behavior of several police officers at the site where Elijah McClain was approached and arrested by police last year.In a statement, Wilson said she learned Thursday "of allegations by an Aurora Police Officer alleging multiple Aurora Police officers were depicted in photographs near the site where Elijah McClain died."The cryptic late-night statement by Wilson does not go into details about what those photographs show, but they were serious enough to immediately order an internal affairs investigation. That investigation was completed Monday evening, Wilson said.The officers involved were all placed on paid administrative leave in non-enforcement capacities, according to a prepared statement.The investigation will be “publicly released in its entirety promptly upon its conclusion,” said Wilson, adding the investigation will include reports, photographic evidence, officer’s names, “and my final determination which can rise to the level of termination.”Monday’s announcement is the latest in a series of public relations disasters over the past year for the embattled police department.Earlier Monday, Wilson spoke to KMGH and other local news outlets after her officers pepper-sprayed protesters during a Saturday demonstration in which hundreds gathered to demand justice in the death of the 23-year-old, who died after the encounter with police in August of last year. Wilson made no mention of this internal affairs investigation Monday evening, despite pledging to show transparency and rebuild trust in the department when she took on the job at the beginning of the year.Wilson defended the actions of the officers, claiming agitators were throwing rocks at officers and were trying to breach fences protecting the Aurora Police Department headquarters.Aurora Mayor Mike Coffman has called for a special city council meeting Tuesday to hear from police about their response to Saturday's protests over the death of Elijah McClain.This story was originally published by óscar Contreras at KMGH. 2159