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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

Twitter says it has permanently banned an account linked to former Trump adviser Steve Bannon after he advocated violence against infectious disease expert Dr. Anthony Fauci and FBI director Christopher Wray.According to CNN, Twitter has banned the account for Bannon's podcast, "War Room: Pandemic." In an episode that was published on mutliple online platforms Thursday, Bannon falsely claimed that President Donald Trump had won the 2020 election (the race is still too close to call) and added that Trump should fire both Wray and Fauci in his next term."I'd put the heads on pikes. Right. I'd put them at the two corners of the White House as a warning to federal bureaucrats," Bannon said, according to CNN. "You either get with the program or you are gone."In addition to the actions by Twitter, the video was also removed from Facebook and YouTube. CNN reports that the video remained active on Facebook for 10 hours before it was taken down.The Washington Post also reports that the episode of the podcast was removed from Spotify's library.Bannon's comments come as some of Trump's supporters have begun dipping into more extreme rhetoric as the President's re-election chances wane. Donald Trump Jr. urged his father to "go to total war over this election," though Twitter flagged the message as misleading.Bannon was arrested earlier this year on charges that he embezzled fund in a scheme the allegedly defrauded Trump supporters who thought they were donating to a fund to build a wall on the border with Mexico. 1534

Two people were shot and killed at a Kroger store in Jeffersontown, Kentucky, the police chief said Wednesday.The suspect is in custody, according to Chief Sam Rogers. There was no known motive and it appears the victims were shot at random, he said.The unidentified suspect entered the store and fired multiple shots at a man inside, killing him. The suspect left, encountered a woman in the parking lot and fatally shot her, Roger said.An unnamed armed citizen in the parking lot exchanged gunfire with the suspect; neither was struck. The suspect fled the scene and was apprehended nearby, police said.A Jeffersontown police dispatcher said officers remain on the scene."We are shocked and saddened by the shooting incident that occurred around 2:30 p.m. today," Kroger said. "Thanks to the quick response of the local police department, the suspect was apprehended and our store is now secure."Jeffersontown is about 13 miles southeast of Louisville.Federal law enforcement agencies are aiding in the investigation.Jeffersontown police Maj. Brittney Garrett spoke of the grief over the shooting. "Our hearts are with the victims, families, witnesses, and everyone impacted by this tragedy. We will release more detailed information about the incident tomorrow."The-CNN-Wire 1285

United Airlines is reportedly working with the CDC to alert passengers onboard a flight last week from Orlando to Los Angeles they may have been exposed to COVID-19 after a passenger had an inflight medical emergency and later died. A man who tried to help the man is now reporting symptoms.United says a man onboard flight UA591 on December 14 had coronavirus-like symptoms, including loss of taste and smell, according to statements his wife made, before suffering a medical emergency onboard.A nurse and EMT began CPR on the passenger as the flight was diverted to New Orleans to get the man help.When the plane landed, they believed the man’s emergency was cardiac arrest, and they allowed passengers to “take a later flight or continue on with their travel plans,” the airline told NBC News.The airline now says they were contacted by the CDC and “are sharing requested information with the agency so they can work with local health officials to conduct outreach to any customer the CDC believes may be at risk for possible exposure or infection," a representative for the airline told CBS LA.The man who says he performed CPR on the passenger, Tony Aldapa, says he is now experiencing symptoms of COVID-19. Aldapa said he used his EMT training to try and help the man."There were three of us that were essentially tag-teaming doing chest compressions, probably about 45 minutes,” Aldapa told CBS LA. 1413

VALLEY CENTER, Calif. (KGTV) It wasn't the usual welcome home party for Tyler Priest, a missionary for The Church of Jesus Christ of Latter-day Saints (LDS)."I didn't think this many people would show up," he explained. "Because everyone is scared in their house, but this is really nice to see everyone."Priest was welcomed home, drive-thru style, in the parking lot of Bates Nut Farm in Valley Center Monday. He sat on a truck as family and friends drove by welcoming him home, staying at least six feet away.Priest was on his LDS mission in the Philippines and completed 20 of 24 months he set out to serve, before he was ordered to return home due to coronavirus concerns."This last Tuesday the government in the Philippines told us all foreigners need to leave," he explained. "We flew through Japan, didn't get off the plane, then through Salt Lake to San Diego."Priest returned home late Sunday night, he said he was checked for COVID-19 symptoms several times before arriving in San Diego."They did check our temperatures too many times, but I guess better safe than sorry, makes sense," he said.Although his return home was abrupt, his family is more than thrilled to have him back. It has been a difficult year for them all."While Tyler was gone his dad passed away and the community has been so sweet," said his mother, Ginny Priest. "Even in this super crazy time it's been nice to show their love from a distance."California Highway Patrol Officer Mark Latulippe was there for the Priest family when Shawn Priest, Tyler's father, was killed in a car crash."He was the one who came to tell me about my husband and stayed with me and my family throughout the day," Ginny Priest explained.Ginny Priest said she didn't know Latulippe before her husband passed away. Shawn Priest and Latulippe played softball together and were good friends. Now, Latulippe has become part of the family."He's just so much more than an officer," said Ginny Priest. "I'm just really grateful that someone who understood loss could help us through that situation, so he's really special to us.""His family has been through a lot in the last year, and we miss his dad very much," said Latulippe.He was once again there for the Priest family Monday, to not only welcome Tyler home, but to make sure everyone was being safe during this time of uncertainty."Everybody has driven by and has been responsible with it and trying to abide by the social distancing recommendations," said Latulippe."It's nice to be home," said Tyler Priest.He will now self-isolate for the next two weeks. 2579

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