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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

HAVRE, Mont. (AP) — U.S. Customs and Border Protection officials are reviewing an encounter between a Border Patrol agent and two women who were speaking Spanish at a gas station in northern Montana, the agency said Monday.The women, who are U.S. citizens, said the agent detained them for about 35 minutes Wednesday in Havre, a small city about 30 miles from the U.S.-Canada border. One of the women, Ana Suda, asked the agent why he asked for their identifications."I recorded him admitting that he just stop(ped) us because we (were) speaking Spanish, no other reason," Suda wrote in a Facebook post published early Wednesday. "Remember do NOT speak Spanish sounds like is illegal."Neither Suda nor her friend, Mimi Hernandez, answered their cellphones or responded to text messages on Monday. In Suda's video of the encounter, posted by KRTV of Great Falls, the agent says speaking Spanish "is very unheard of up here."Customs and Border Protection spokesman Jason Givens declined to answer questions about the incident. He released a statement that said the incident is being reviewed to ensure that all appropriate policies were followed."Although most Border Patrol work is conducted in the immediate border area, agents have broad law enforcement authorities and are not limited to a specific geography within the United States," the statement said. "They have the authority to question individuals, make arrests, and take and consider evidence."Border Patrol agents are authorized by law to make warrantless stops within a "reasonable distance" from the border — defined as 100 miles (160 kilometers) under federal regulations. That broad authority has led to complaints of racial profiling by agents who board buses and trains and stop people at highway checkpoints.Havre, which has just under 10,000 residents and is near two Native American reservations, has a mostly white population, with just 4 percent Hispanic, according to the U.S. Census.It is typically a quiet posting for the Border Patrol. Last year, the 183 agents in the Havre sector made 39 arrests — just .01 percent of the 310,531 arrests made nationwide made by Border Patrol agents. Eleven of those 39 people arrested were Mexican.Last week's confrontation happened within a day of the posting of another video showing a New York attorney ranting against Spanish speaking restaurant workers and threatening to call Immigration and Customs Enforcement to have them "kicked out of my country."Allegations have been made before of law-enforcement officers in Montana racially profiling people to find out their immigration status. In 2015, the Montana Highway Patrol established a policy forbidding the detention of a person based to verify his status, settling a lawsuit alleging that troopers routinely pulled over people for minor infractions to do just that. 2856

Hall of Famer Bob Gibson, the dominating St. Louis Cardinals pitcher who won seven consecutive World Series starts and set a modern standard for excellence when he finished the 1968 season with an earned run average of 1.12, has died. The St. Louis Cardinals tweeted out the news on Friday. 298

Herman Cain, a former presidential candidate and businessman, remains hospitalized four weeks after being admitted with Covid-19 symptoms.Cain’s twitter account, being run by staff members currently, tweeted an update on his condition saying he is being treated with oxygen to strengthen his lungs. 306

Greg Eubanks disappeared over the weekend, leaving his family frantic. Two days later, he was at home, safe.The 41-year-old had crashed his SUV around 3 a.m. Saturday in Oxon Hill, Maryland. The SUV went down an embankment and got stuck between the highway entrance and exit ramps, so his car wasn't visible from the road.Eubanks was hurt when he was thrown from the SUV. He was left laying at the bottom of the ravine with broken bones and a dead cell phone for two days and three nights. "He said he didn't think he was gonna make it," Tre Drew, Eubanks' cousin, said. "He heard several fire trucks passing, ambulance passing. He kept saying 'I know they're coming for me' and no one came for him."Eubanks' son, Greg Eubanks Jr., reported him missing Saturday, then drove around searching for his dad. "I was worried. I couldn't sleep. (I) rode around all day yesterday trying to find his car, just looking for any type of piece of evidence," the younger Eubanks said.A highway crew finally spotted Eubanks and his car while repairing a damaged guardrail on the Indian Head Highway. "He said it was the worst thing he's ever been through, and he has been through a lot," Drew said.Eubanks was taken to the hospital for treatment. His family says he is in good spirits and is expected to make a full recovery. Maryland State Police are investigating. 1419