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An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387

An Amber Alert has been issued for five missing children last seen in Crystal City, Texas..Law enforcement officials believe these children to be in grave or immediate danger.Justine Kaylee Lopez, white, female, 10 years old, 4-5, 80 lbs, black hair, black eyes.Jolyne Kaylynn Lopez, white, female, 9 years old, 4-3, 60 lbs black hair, and black eyesRuben Lopez Jr, white, male, 7 years oldJordan Lopez, white, male, 4 years old, 3-3, 40 lbs, black hair, and black eyesJayden Lee Lopez, white, male, 11 months old Victims were last seen at 11:25 a.m. Aug 8, in Crystal City, Texas.Police are looking for Ruben Lopez, white, male, 29 years old, 5-6, 150 lbs, black eyes and brown hair in connection with this abduction. Police are also looking for Roxanne Fuentes, white, female, 31 years old, 5-8, 120 lbs, black eyes and brown hair in connection with this abduction. The suspects are driving a gray 2008 Chevrolet Trailblazer with a Texas license plate number of MKV2702.If you have any information regarding this abduction, call the Zavala County Sheriff’s Office at (830) 374-3615.This article was written by Ryan Garza for KRIS. 1221

As COVID-19 cases continue to rise, the restaurant industry is one of the first starting to deal with a second round of closures.Restaurant owners and employees are starting to fear the losses that could come as a result. For example, the restaurant Eden in Chicago opened its doors in 2016. But the first week of March, it was on pace to have its best quarter since opening. Owner Jodi Fyfe said so much changed a week later.“At that time, we had 526 employees. If you look at it today, we have 24,” said Fyfe.In March, she had to start laying off more than 90 percent of her workers and despite reopening over the summer, she couldn't afford to keep her staff on the payroll and pay the restaurant rent.Looking at the business potential over the winter was bleak. COVID-19 cases were projected to rise, and a potential second round of restaurant closure mandates would be even more financially devastating.In August, Fyfe made a tough, but what she felt was a necessary decision.“Essentially, we had to close the restaurant and that was like a death,” she said. “It was like the death of a family member.”Fyfe focused on keeping her other business, catering, afloat, while now seeing the reality she feared. As many as 7,500 restaurants just in Illinois may have to close permanently as a result of a recent indoor dining ban.“It is becoming devastating,” said Sam Toia, who is with the Illinois Restaurant Association.Toia worries about the effect on both restaurant owners and employees.“If things don’t change with no indoor dining or no stimulus bill, 66 percent of the restaurants feel they could be out of business within the next four months,” Toia added.This week, the National Restaurant Association sent a letter to governors and mayors across the country, stating in part it has “not found any systemic outbreaks of COVID-19 from the hundreds of thousands of restaurants around the country that operate within the Association's guidance.”The association is urging officials to reconsider current bans and future ones based on the data.“We are such a vital part of serving an underserved community, finding them jobs, finding them a livelihood,” said Sean Kennedy with the National Restaurant Association. “When we shut down, a lot of folks do not have the transferable skills that they can apply elsewhere. The restaurant industry really needs to stay strong so we can take care of these people.”Roughly 2 million restaurant workers are currently out of work, and further closures mean even more will be unemployed. With no new stimulus bill, these workers, along with restaurant owners, stand to lose the livelihoods, with little to no help on the horizon. 2678

An email sent to businesses and organizations across the country on Thursday appears to be a hoax, authorities from the New York Police Department said. According to NYPD's Twitter page, the email, which prompts victims to make a Bitcoin payment, is a scheme to either "cause disruption and/or obtain money."Police in New York said they have searched various places where the email has been sent, and no devices have been found. NYPD said they will continue to respond to calls for service if anyone receives a threat. Authorities in other states have conducted similar searches. Police in Tennessee said they believe the email originated from outside of the United States. The FBI issued the following statement: 746

As Chicago continues to grapple with gun violence, one jail is trying something different in an effort to combat the problem.The program is called SAVE, and it’s spearheaded by Sheriff Tom Dart of the Cook County Jail. The program aims to save a community from gun violence by targeting people who might be able to make the biggest difference.“We can continue with the broken model, make them worse than when they came in here, because they’ll be associated with other criminals, and then jettison them to a community where they’ll be a cancer, or we can take a person who has issues, break down what those issues are, address those, and now send them back to a community where now they’re sort of a light in the community,” Sheriff Dart explains. “They went from being the cancer to where they’re the one people are talking about.”During these classes, officials and inmates will start with a game. It helps to ease the tension in a room, where the men, who are in their late teens and early 20’s, are asked to dig deep on tough topics involving their personal lives.The program also aims to help the men manage anger and resolve conflict. It even trains on how to land a job or start a career.SAVE stands for the Sheriff’s Anti-Violence Effort.“The larger population we have here are folks that could actively have their trajectory changed if given different opportunities, different ways to look at life,” Sheriff Dart explains.The SAVE program is unique to Cook County, and it’s totally voluntary. It was created as a way to combat Chicago’s gun epidemic, by tackling the cognitive behavior of the men who, for whatever reason, ended up behind bars.“The reality is if you’re [going to] address these problems, you have to address the players in the system,” says Sheriff Dart. “The players all have individual issues, all have good things and bad things that they have.”For inmate Rico Potts, it’s helping him to realize his long-term goals.“Career wise, I wanna be a psychologist. I wanna talk to kids and help kids, because I feel like my story will kinda help them,” Potts says.He’s seeing firsthand how these instructors’ stories are helping him.The program stuck with former inmate Jelani Hines, who got out of jail but still keeps in touch with the program, saying it helped him land a job.“You have to be willing to commit,” Hines says. “Nobody’s gonna hold your hand.” 2393