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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 Alabama woman alleges Alabama Republican Senate candidate Roy Moore sexually assaulted her when she was a teenager, her attorney Gloria Allred said Monday.Allred said her client, Beverly Young Nelson, would be willing to testify under oath and called on the Senate judiciary committee to hold a hearing and subpoena Moore."Mr. Moore attacked me when I was a child," Nelson said, adding that she was 15 when he began flirting with her and 16 at the time of the alleged assault. "I want Mr. Moore to know that he no longer has any power over me."The allegations of force, if true, would be considered sexual abuse in the first degree, but the statute of limitations in effect at the time would have passed.Nelson detailed her allegations in a statement alongside Allred, an attorney who focuses on discrimination and women's rights.The accusations on Monday came after The Washington Post published a bombshell report last week based on interviews with more than 30 people, saying Moore pursued relationships with teenage women while he was in his 30s. One woman said she was 14 years old when Moore initiated sexual contact with her.Some Republicans have called for Moore to step aside in light of the accusations from the Post story. Moore has denied the allegations in the report.As reporters gathered to hear the accusations at Allred's press event, the Moore campaign released a statement denying Moore had "any sexual misconduct with anyone.""Gloria Allred is a sensationalist leading a witch hunt, and she is only around to create a spectacle," Moore campaign chairman Bill Armistead said in a statement. "Allred was the attorney who claims credit for giving us Roe v. Wade which has resulted in the murder of tens of millions of unborn babies. We've said this before and we'll say it again: Judge Moore is an innocent man and has never had any sexual misconduct with anyone. This is a witch hunt against a man who has had an impeccable career for over 30 years and has always been known as a man of high character."The-CNN-Wire 2044

An explosion from an electronic cigarette has killed a man in St. Petersburg, Florida, according to authorities who are investigating the circumstances surrounding his death.Tallmadge D'Elia, 38, was found dead this month after a fire alarm went off at his home and officers arrived on the scene, according to his autopsy report. Officials found him with a wound to his top lip area and areas of burns to his body. His death has been ruled accidental.The cause of death is identified as a projectile wound to the head, Bill Pellan, director of investigations at the Pinellas County Medical Examiner's Office, said Tuesday.The projectile was from a section of an e-cigarette. The autopsy noted that the e-cigarette was manufactured by Smok-E Mountain and was a "mod" type device.E-cigarettes are battery-operated devices that produce an aerosol by heating a liquid, usually containing nicotine, flavorings and other chemicals, according to the US Centers for Disease Control and Prevention. Users inhale the aerosol.More than one in every 10 adults has tried an e-cigarette even just one time, according to the CDC. E-cigarettes can come in many shapes and sizes; some are made to look like regular cigarettes, while others are larger devices such as tank systems or "mods."The exact causes of e-cigarette explosion incidents sometimes are unclear, but evidence suggests that battery-related issues may lead to explosions, according to the US Food and Drug Administration.E-cigarettes that are similar in size and shape to traditional cigarettes come with a smaller wattage unit and therefore may not have the power to fail as dramatically, said Thomas Kiklas, chief financial officer of the Tobacco Vapor Electronic Cigarette Association.Larger vaporizers -- such as the device found in the St. Petersburg case -- come with much larger and more powerful batteries."The two major causes of dramatic failures with the larger units are overcharging of the battery and then the shorting of the battery," Kiklas said."Lithium ion batteries fail in other devices as well, but in a laptop, it's on your lap," he said. "In this case, with an e-vapor product, it's close to the face."Though such incidents are rare, this isn't the first time a spontaneous e-cigarette explosion has raised concerns.There were 195 separate e-cigarette fire and explosion incidents in the United States reported by the media between 2009 and 2016, according to data released last year by the US Fire Administration.For example, in 2015, an e-cigarette exploded in a man's face in Naples, Florida, burning his face, chest, hands and lungs. In 2016, an e-cigarette exploded in a New York man's pants pocket. He suffered third-degree burns.Also that year, a 14-year-old girl had mild to moderate burns after an e-cigarette exploded in the pocket of a person nearby while on a Harry Potter ride at Universal Studios in Orlando, Florida.None of those cases was fatal.Kiklas said there are two steps e-cigarette users can take to avoid the risk of an explosion."We've put the caution out before," Kiklas said."Make sure that you use the charger that comes with the battery, and make sure the charger has a shutoff device, an automatic shutoff device, so it's not overcharged. That's typically the biggest issue which causes batteries to fail," he said. "And two, never carry a battery alone, out of its case, in your pocket with change or keys, because that's another way the batteries can short themselves out."The FDA also recommends replacing batteries if they get damaged or wet. 3627

An 11-year-old boy in Colorado is being called a hero after performing the Heimlich maneuver and possibly saving his younger brother from choking on his dinner.“So I got behind him went like this, pushed and pulled up about four times so the chicken could pop out and it did,” Elias Yatrakis told Denver7.Elias and his younger brother, Alex, were eating dinner on Monday night in their Greenwood Village home after a baseball game when the incident happened. The older boy says he knew what to do and jumped into action.“I was relieved. I was glad he was OK,” he said.“From my perspective, he saved his life,” mom Danielle Yatrakis said. “I’m just really glad he had the confidence and the knowledge to know what to do.”The 11-year-old had that knowledge because he had just recently learned what to do in a situation like this.“I am a Cub Scout so we had to take this CPR class in our basement and it taught CPR, the Heimlich,” he said. “I wasn’t really thinking. I knew what to do since I did that class.”Elias had earned his first aid badge as a part of the Cub Scouts just a few months earlier.“When he got the badge I’m like, 'that’s great to know,' but I mean I learned CPR before and I never used it. And so you’re kind of like they’re nice things to know and I now feel differently. That was really serious and important that he paid attention,” his mom said.The boys spent the evening after it happened with a lot of hugs and gratitude, according to their mom, but have since gone back to the same competitive young boys that they were before.KMGH's Jason Gruenauer first reported this story. 1609

ANAHEIM, Calif. (AP) — Walt Disney Co. has put a hold on construction plans for a luxury hotel in the Disneyland Resort's shopping district, citing a feud with Anaheim officials over tax subsidies.The Los Angeles Times reports a letter dated Wednesday from the chief counsel for Disneyland Resorts, David Ontko, to Anaheim City Attorney Robert Fabela says the company has no other choice than to put the construction on hold indefinitely as it "reevaluates the economic viability of future hotel development in Anaheim."The dispute centers on a 7-million tax break Anaheim City Council approved in 2016 for a 700-room hotel.Anaheim Chamber of Commerce President Todd Ament calls Disneyland's decision to halt development of the hotel a "devastating blow to Anaheim and a direct result of the city's increasingly hostile actions towards our local economy." 876