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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

As questions arise over when a coronavirus vaccine should be granted FDA approval, the leaders of several major pharmaceutical companies announced they have signed a pledge not to rush the development of a vaccine.The companies, AstraZeneca, BioNTech, GlaxoSmithKline, Johnson, Merck, Moderna, Novavax, Pfizer and Sanofi, released a joint statement on Tuesday confirming the pledge.The pledge includes the following points:Always make the safety and well-being of vaccinated individuals our top priority.Continue to adhere to high scientific and ethical standards regarding the conduct of clinical trials and the rigor of manufacturing processes.Only submit for approval or emergency use authorization after demonstrating safety and efficacy through a Phase 3 clinical study that is designed and conducted to meet requirements of expert regulatory authorities such as FDA.Work to ensure a sufficient supply and range of vaccine options, including those suitable for global access.There has been pressure on both the FDA and manufactures to develop and approve a vaccine for the coronavirus. There have been more than 190,000 coronavirus-related deaths in the US since March, and the economic impact of the virus has cost millions of jobs.While most developed countries have not had the same public health pain as the US, the economic impact of the virus has been felt worldwide. The International Monetary Fund estimates a nearly 5% loss in global GDP in 2020.In Russia, the country claimed to begin distributing a coronavirus vaccine despite US-based vaccine candidates likely being months away from being able to demonstrate efficacy.The pressure domestically has also ratcheted up as President Donald Trump has suggested a vaccine could be ready by this fall’s presidential election."We're going to have a vaccine very soon... maybe even before a very special date, you know what date I'm talking about,” Trump said on Monday.In late August, the CDC told states to begin to prepare distributing a vaccine by Nov. 1. But Surgeon General Jerome Adams said that just because states will be ready to help distribute a vaccine on Nov. 1 does not mean a vaccine will be ready by then."We've always said that we're hopeful for a vaccine by the end of this year or the beginning of next year,” Adams told Good Morning America."We want to make sure states are available to distribute it," he added.The companies signing on the pledge said that the FDA has strict protocols for vaccine candidates. A typical vaccine trial takes one to three years, but the companies believe only a safe and effective vaccine will be granted approval.“FDA has established clear guidance for the development of COVID-19 vaccines and clear criteria for their potential authorization or approval in the US,” the companies wrote in the pledge. “FDA’s guidance and criteria are based on the scientific and medical principles necessary to clearly demonstrate the safety and efficacy of potential COVID-19 vaccines. More specifically, the agency requires that scientific evidence for regulatory approval must come from large, high quality clinical trials that are randomized and observer-blinded, with an expectation of appropriately designed studies with significant numbers of participants across diverse populations.” 3296

At a quick glance through her office, you might think Laura Packard was working on the campaign trail. But this small business owner is fighting to keep her own title: cancer survivor.“A little over three years ago, I walked into a doctor's office with a nagging cough and walked out with a stage four cancer diagnosis. Everything changed for me all at once,” said Packard.She underwent chemotherapy and radiation over a six-month period. “I lost all my hair. Some days, I wouldn't be able to get out of bed, and there was a lot of pain,” she recalled.After multiple surgeries and hospitalizations, she said her bills were really piling up. “I think it was near a million dollars,” said Packard of her medical bills.She says, thankfully, her insurance through the Affordable Care Act saved her in more ways than one.“I've been self-employed off and on for over a decade, and I used to have junk insurance, and if I still had that insurance today, I would be bankrupt or dead,” said Packard.However, she’s worried this level of insurance coverage won’t last with the recent Supreme Court confirmation and once the election results become final.“The day after my first chemotherapy was when Republicans in the House voted to dismantle the Affordable Care Act, which was keeping me alive,” she said.As talks of repealing the ACA gained ground, she moved hundreds of miles away from family to live in Colorado.“Colorado has pretty good state-level protections, but nobody should have to live like this. Nobody should have to be a health care refugee in their own country just to get care, and state-level protections can only go so far. What you need is a federal law to protect everybody.”She, like so many Americans, is wondering how she will pay for her coverage if her costs go up. Packard is fearful her health will suffer if she can’t afford her premiums.“My life is in the balance, but millions of Americans are in the balance, too.”She is worried those with pre-existing conditions won’t be able to get the care they need at a price they can afford.She is also concerned the individual mandate for health insurance will be taken away. With fewer healthy people paying into the healthcare system, the system cannot help cover costs for people who are sick.“My fear is that the rest of the affordable care act will tumble because we won’t be able to sustain it in its totality,” said Michele Lueck, president of Colorado Health Institute.Packard is just one of millions being helped by the subsidies the Affordable Care Act is founded on, and while she knows the Affordable Care Act could be improved, she hopes it will be the building block for even better care, instead of waiting years for a new solution.“I don't even know how many people will die if they succeed in destroying the Affordable Care Act, because people will lose their insurance and people will die,” said Packard.The struggle is something all Americans have endured this year. This cancer survivor is just hoping this election will bring a confirmation that her health is valued.“In a pandemic, it's more clear than ever that we're all in this together and we need candidates and elected officials that work for the greater good,” said Packard. 3224

AURORA, Colo. -- It’s a common work-from-home scam that has duped many, but this time it has a cryptocurrency twist.A couple in Aurora, Colorado who did not wish to be identified, shared their story with Scripps station KMGH in Denver about being tricked into laundering thousands of dollars, in order to keep others from falling for the scam as well. KMGH changed their names and disguised their identities to protect them. "It all fell apart so quickly," said John, who along with Marie, ignored the red flags all around them. "We don't want to go to jail. We laundered money and we stole money from people, that's what it could look like to someone."They thought they had found the perfect job: working from home as “financial agents” for a company called Golden Potatoes. At the time, never meeting their boss in person made sense because the company was headquartered out of state and the website looked legitimate.A Colorado Bureau of Investigation spokesperson told KMGH she sees these schemes often, so does Krista Ferndelli with the Better Business Bureau."The contact information. The three people on the site, they may be actual people but they look very much like stock photos," said Ferndelli.The couple interviewed over the phone and received paperwork detailing the benefits, the salary and the company car. Marie was asked to send a selfie photo of herself holding her ID.John said his boss “Alex” instructed the couple to open up bank accounts. They would then receive deposits from customers who they believe were paying for a shipment of potatoes or olive oil."I felt like it was a prayer answered. Like honestly. This money was real," said John. “This money is legit. This is real cash. This is not a check. Nothing is bouncing. Nothing is being drawn to my attention. I’m going to Wells Fargo. They’re handing me ,000 in cash. They’re not saying anything to me.”They would then convert the money to Bitcoin currency and then send it back to "Alex." John and Marie would also get to keep 5 percent of each check, they were told."We hear a lot about Bitcoin because it's so new. People are uninformed and unaware. It’s hard to trace. It’s kind of the ideal payment method for fraud," Ferndelli said. The couple had processed close to 0,000 when the strangers started calling."One of the customers that was supposed to be paying for potatoes and oil says, 'where's my car?'" said Marie.John and Marie said someone posing as them on Craigslist pretended to sell high ticket items like an ATV or SUV and an interested buyer would pay for it.“The couple thought they had purchased an ATV for ,000 off of Craigslist and that, you know, I had sent them my information to confirm that I’m a real person and to put that money into my account.”The bank froze their accounts and unfortunately, John and Marie had mixed their own money into those accounts, too."We have no money because the bank took all of our money," said Marie.They contacted the FBI and local law enforcement. KMGH reached out to the FBI about John and Marie's case, but they wouldn't comment. KMGH also emailed and called Golden Potatoes, but received no response and were hung up on, respectively."I took the brunt of this. I don't want it to happen to anyone else," said John.Silver Oils and Platinum Oils are both companies linked to Golden Potatoes and have the same address listed for business in Portland. The BBB recently cited Platinum Oils.For more information about common scams via Wells Fargo, visit this page. The FBI has compiled a list of the most?common fraud schemes and it includes tips on how to spot fraud so you don't become a victim.  3728

Ashley Judd, Salma Hayek and Annabella Sciorra took the stage on Oscar night to deliver a message to Hollywood and beyond: Time's up.The three women are among the more than 60 who have accused the disgraced film producer of sexual assault or harassment that took place over the course of three decades. Weinstein has consistently denied all accusations of nonconsensual sex, but the allegations against him sparked a reckoning in Hollywood that took center stage at the Dolby Theater during Sunday's Academy Awards.The woman stood together and spoke about the #MeToo movement that has swept Hollywood over the past several months and pointed out that this is not an issue that solely affects the movie industry.  725

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