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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

ATLANTA, Ga. – The Centers for Disease Control and Prevention (CDC) is warning parents to be on the lookout for symptoms of acute flaccid myelitis (AFM) in children.The public health agency said Tuesday that it anticipates that 2020 will be another peak year AFM, an uncommon but serious neurologic condition that affects mostly children.AFM can progress rapidly over the course of hours or days, leading to permanent paralysis and/or the life-threatening complication of respiratory failure in previously healthy patients, so it’s important to seek medical care as soon as possible.The disease has peaked every two years between August and November in the U.S. since 2014, when the nation experienced the first peak of 120 cases, according to the CDC. There were also peaks in 2016 and 2018.The third and largest peak of AFM occurred in 2018, with 238 cases in 42 states. Most cases were in children (94%) and most patients (86%) had AFM onset during August through November. Most patients had a fever and/or respiratory illness approximately six days before limb weakness onset. Other common early symptoms were difficulty walking, neck or back pain, fever, and limb pain.The CDC says parents and doctors should suspect AFM in patients with sudden limb weakness, especially during August through November. Recent respiratory illness or fever and the presence of neck or back pain or any neurologic symptom should heighten their concern.Experts say enteroviruses, particularly enterovirus-D68 (EV-D68), are likely responsible for these peaks in cases. EV-D68 is the most common virus identified among specimens collected from patients with AFM. However, other viruses can cause AFM and may also be contributing to the biennial peaks.Although AFM symptoms resemble those of polio, all specimens have tested negative for poliovirus.There is currently no specific test, proven treatment or prevention method for AFM.“As we head into these critical next months, CDC is taking necessary steps to help clinicians better recognize signs and symptoms of AFM in children,” said CDC Director Robert Redfield, M.D. “Recognition and early diagnosis are critical. CDC and public health partners have strengthened early disease detection systems, a vital step toward rapid treatment and rehabilitation for children with AFM.”AFM and COVID-19The CDC says AFM is a medical emergency and patients should seek immediate medical care, even in areas with high COVID-19 activity.It’s not known how the COVID-19 pandemic and the social distancing measures may affect the circulation of viruses that can cause AFM, or if COVID-19 will impact the health care system’s ability to promptly recognize and respond to AFM.There is one bright side. If social distancing measures decrease circulation of enteroviruses this year, AFM cases may be fewer than expected or the outbreak may be delayed.Learn more about AFM here. 2901

As many public health experts have expressed concern over President Donald Trump's re-election rallies amid the coronavirus pandemic, a study conducted by Stanford University examined the number of illnesses stemming from the rallies.According to the study published last week, the rallies likely caused 30,000 other coronavirus-related infections, resulting in 700 deaths. The study's authors noted that these cases were not specifically from rally attendees, which means that attendees could have spread the virus to others.The study did not use contact tracing; instead, they relied on a statistical model that analyzes the virus's spread in communities Trump held rallies.Specifically, researchers examined 18 rallies Trump held from June 20 to Sept. 22, noting that coronavirus cases in the area near the rallies increased by more than 250 per 100,000 residents."Our analysis strongly supports the warnings and recommendations of public health officials concerning the risk of COVID-19 transmission at large group gatherings, particularly when the degree of compliance with guidelines concerning the use of masks and social distancing is low," the study's authors said. "The communities in which Trump rallies took place paid a high price in terms of disease and death."Trump's rallies have generally included thousands of supporters standing shoulder to shoulder. While masks are often handed to supporters, most supporters at rallies opt not to wear them.Public health experts say that a combination of masks and keeping six feet of distance helps minimize the virus's spread, which has claimed more than 230,000 American lives since the spring.Public health experts have also encouraged people to hold gatherings outside, as most Trump rallies since he resumed campaigning in June have been held outdoors with a few exceptions.Trump has often mocked his opponent Joe Biden, who has held much smaller events to spread out the crowd. Biden has held several "drive-in" style events.Dr. Anthony Fauci, whose recent disagreements with Trump have boiled over on the campaign trail, said in an interview with CNN, he was troubled by Trump's rallies."We know that is asking for trouble when you do that," Fauci told. "We've seen that when you have situations of congregate settings where there are a lot of people without masks, the data speak for themselves."To read the full study, click here. 2403

AZUSA (CNS) - A homeless man suspected of intentionally starting the Ranch 2 Fire in Azusa surrendered to authorities Sunday, while firefighters endured another day battling the blaze amid scorching temperatures.The fire, which grew to 2,256 acres overnight, was just 7% contained Sunday.The man suspected of intentionally starting the fire, 36-year-old Osmin Palencia, was in custody at the Azusa Police Department jail. Police did not release further information except to say that the investigation was still active, and urged anyone with information about the fire's origin to call 626- 812-3200.On Saturday, police said Palencia was believed to have a connection to the Monrovia area and possibly a woman known as "Madonna Ortiz." They added he is violent and has multiple active arrest warrants.Palencia also had four misdemeanor arrests over the last two years, three by Azusa police and one by sheriff's deputies, according to jail records.Palencia's last known residence is an encampment in the Azusa Canyon Riverbed, police said.A witness who lives in a riverbed near Mountain Cove told NBC4 an argument between two homeless men sparked the fire."There were two gentlemen in the back (of a homeless encampment) fighting and they were arguing over a bike and one guy said he'd burn the other guy out, and things got escalated to where the fire started," evacuee Jimmy Pockets told the station. "Ran over to try to put it out but it just took off so quick."Firefighters said high temperatures, slope, aspect and winds "came into alignment" overnight, causing the fire to became very active at the bottom of Roberts Canyon and move upslope amid dense mixed-chaparral fuels, sending a large pyrocumulus cloud formation into the sky that could be seen throughout much of the Southland.Firefighting aircraft were grounded for the night Saturday due to a drone flying in the fire area that was spotted at 6 p.m. Officials noted that there is a temporary flight restriction in the vicinity, and flying drones there is illegal.All earlier evacuations orders have been lifted, but the following road closures remained in effect:San Gabriel Canyon Road/Highway 39: closed at Northbound Hwy 39 at Sierra Madre Avenue (southbound Highway 39 is closed at East Fork Road)Glendora Mountain Road: closed from Big Dalton to East ForkGlendora Ridge Road: closed from Glendora Mountain Road to Mt. Baldy RoadSanta Anita Canyon Road: closed from Arno Drive to Chantry Flats RoadThe Angeles National Forest changed its Forest Fire Danger Level from very high to extreme, and moved into full fire restrictions including prohibiting campfires in developed sites. Cooking stoves, lanterns and similar devices that use propane, white gas or similar fuels were prohibited.The Ranch 2 Fire was reported about 2:45 p.m. Thursday near North San Gabriel Canyon Road and North Ranch Road, according to the Azusa Police Department and Los Angeles County Fire Department, which called in a second- alarm response.The number of personnel committed to fighting the blaze had reached 286 Sunday. 3076

ATLANTA — Georgia's legislature on Tuesday passed hate crimes legislation deemed essential by state leaders, sending the measure to Gov. Brian Kemp's desk.Georgia is currently one of four states in the U.S. without hate crime laws.The price Republicans exacted for moving that legislation forward was the simultaneous passage of a bill that would mandate penalties for crimes targeting police and other first responders.The action comes after Senate Republicans had added police as a protected class to the hate crimes legislation last week, but then moved those protections to a separate bill in a deal between the parties.Kemp's office said in a statement that he'd sign the hate crimes bill, pending a legal review.The bill's passage comes amid weeks-long protests against systemic racism throughout the country. The protests were sparked by the death of George Floyd, who died in police custody in Minneapolis after bystander video showed an officer kneeling on his neck for more than eight minutes.The passage also comes weeks after three arrests were made in connection with the shooting death of Ahmaud Arbery. The 25-year-old Arbery was killed in Burnswick, Georgia in February, and his case changed jurisdictions several times due to one of the suspect's connections with the local District Attorney's office. It wasn't until days after a video of the altercation leaked to the public in May that two of the men, Gregory and Travis McMichael, were arrested and charged with murder. A third man, William "Roddy" Bryan, was also charged with murder a few weeks later. 1582