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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

UPDATE (9:50 P.M. FRIDAY): Deputy Richard Fischer posted the million bail Friday night. For more information, contact the San Diego County Sheriff's Department. The telephone number is (619) 615-2818. ___ 225

Tropical Storm Isaias spawned tornadoes and dumped rain along the U.S. East Coast on Tuesday after making landfall as a hurricane in North Carolina, where it smashed boats together and caused floods and fires that displaced dozens of people. At least four people are now dead because of Isaias. Late Tuesday, the National Hurricane Center said that Isaias has officially lost its tropical storm status as it exited the United States and entered Canada. Two people died when Isaias spun off a tornado that struck a North Carolina mobile home park. Authorities said two others were killed by falling trees toppled by the storm in Maryland and New York City.More than 18 hours after coming ashore, Isaias still had sustained top winds of 65 mph (105 kph) at 5 p.m. EDT Tuesday. The storm's center was about 20 miles (35 kilometers) west of Albany, New York.As Isaias sped northward at 40 mph (56 kph), the National Hurricane Center warned of flash flood threats in the New York's Hudson River Valley and potential for minor to moderate river flooding elsewhere in the mid-Atlantic region.Two people died after a tornado demolished several mobile homes in Windsor, North Carolina. Emergency responders finished searching the wreckage Tuesday afternoon. They found no other casualties, and several people initially feared missing had all been accounted for, said Ron Wesson, chairman of the Bertie County Board of Commissioners. He said about 12 people were hospitalized.North Carolina Gov. Roy Cooper added during his appearance on Good Morning America that about 355,000 people in North Carolina are without power. 1619

Update: On September 10, the Audubon Zoo shared the devastating news that the infant gorilla had passed away. A critically endangered western lowland gorilla has given birth to her first baby at a zoo in New Orleans on September 4.The Audubon Zoo says 13-year-old Tumani and her baby are doing well. This is the first baby gorilla born at the zoo in 24 years. “This is a momentous occasion for Audubon Zoo,” said Audubon Nature Institute President and CEO Ron Forman. “We are thrilled to share this birth with our New Orleans community and contribute to the conservation efforts of this critically endangered species.” 626

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