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As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

An overnight desk employee working at the historic Stanley Hotel in Estes Park, Colo. won’t have any ghost sighting stories to tell family and friends – they’ll have something much better.That’s because that employee came face-to-face with a black bear while working the graveyard shift Wednesday evening into Thursday morning.Video obtained by Scripps affiliate in Denver KMGH-TV shows the unwanted guest wandering around the lobby of the Stanley Hotel, as if to make sure things at the hotel were running according to plan. You can watch the full video in the player above. Luckily, it was so late that no guests were anywhere near the lobby area at the time of the wildlife encounter.The overnight desk employee who shot the video said the bear wandered in and wandered out just as quickly. 811

ARTESIA, Calif. (CNS) - Facing possible expulsion from the state Legislature over sexual harassment allegations, Artesia Democrat Tony Mendoza resigned from the state Senate. 182

ANNAPOLIS, Md. — A municipal government in China has donated 40,000 medical-grade face masks to Maryland’s capital city amid the coronavirus pandemic.The donations from Changsha, China, were first offered to Annapolis city officials in April, when the need for the masks among public safety workers was high in the beginning of the pandemic, Annapolis City Manager David Jarrell said in a news release Tuesday.They arrived this month, with one of the boxes featuring strikers of American and Chinese flags with a message that read: “Go, City of Annapolis! Best Wishes from Changsha! True unity inspires people to work as one to overcome adversity,” The Capital Gazette reported.Another note from Yani Xia, a representative in the Chinese city’s Foreign Affairs Office, accompanied the shipments. “We sincerely wish you and everyone in Annapolis continued good health, and the fortitude to persevere during this challenging period,” Xia’s note read.Annapolis’ relationship with Changsha began under a former city administrator, according to the release. The two municipalities are now sister cities. 1106

Approximately 44 million turkeys were Thanksgiving dinner in the United States last year, but on Tuesday at the White House, one lucky bird is going to be spared a similar fate.President Donald Trump will participate in the time-honored tradition of the turkey pardon, granting clemency to a bird in the White House Rose Garden before jetting off to Mar-a-Lago for a long holiday weekend.Hailing from South Dakota, this year's pardon contestants are Peas and Carrots. The poultry pair's journey to Washington was a veritable gravy train.Presidential turkeys are raised separately from their soon-to-be-stuffed counterparts, according to the South Dakota Soybean Research and Promotion Council.Per the council, Peas and Carrots lived in their own house away from the other turkeys and were handled regularly to "get used to people and activity," as it is important that they wouldn't be in a fowl mood for their big day.Weighing in at 39 and 41 pounds, respectively, Peas and Carrots hatched in late June of this year. Since then, the fluffy duo has developed a social media presence, knowing the importance of appealing to the baste. 1141