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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
Art often provokes emotion and helps us travel back in time, teaching us about our ancestors.“Hola, my name is Claudia Moran and I’m the Executive Director for Museo de las Americas,” Moran said.At Museo de las Americas in Denver, Colorado, Latinx artists are given a space to represent their culture.“Art is very powerful in the influence of Latinx artists and the history of art in the United States,” Moran said.In the midst of National Hispanic Heritage Month, Museo is hosting an exhibition called Rhythm and Ritual.“It’s an exhibition that showcases a pre-Columbian collection that focuses on musical instruments. And yes, it’s a very, very rare exhibition because we’re able to see many pre-Columbian exhibitions everywhere, but none that only focus on music,” Moran said.The goal is to demonstrate the value of music since the pre-Columbian times and educate people on the type of music that was played 1,500 years ago. Museo de las Americas commissioned a local Hispanic artist to help tell that story. David Ocelotl Garcia is a sculpture and painter.Garcia grew up in Colorado, but his parents are from Mexico.“My mother is from Guadalajara, Jalisco, and my father is from Leon, Guanajuato,” Garcia said.He says he feels connected to his culture and finds it beautiful.“My heritage is very significant in my work, so I’ve learned to really study that and use it so that I can tell my own stories about where we are today.”For the Rhythm and Ritual exhibition, he painted a mural he admired as a child.“He reproduced an original mural from Bonampak in Mexico from the state of Chiapas, and this mural is a very accurate replica of a group of Mayan people playing different instruments,” Moran said.“I believe they’re probably participating in a ceremony, so there’s many characters playing different instruments that many people, including myself, have never seen,” Garcia said.Garcia says it’s important for people not to forget where they come from.“Make sure we embrace our roots and our traditions and the way we do things and use that as a part of the way we advance and move forward,” Garcia said.As we move forward as a society, Moran says we can learn from our ancestors and appreciate what different cultures have to bring to the table.“We all should be very, very open to new ideas, don’t be scared of them, and embrace them because that’s what is going to take us through arts and our artistic lives to a whole new level,” Moran said. 2462

An incident that began as an argument over masks led to an officer-involved shooting near Lansing, Michigan on Tuesday.A 43-year-old man from Grand Ledge was shot and killed by a police officer after a fight at a Quality Dairy store in Dimondale.Authorities say a 77-year-old man from Lansing who was wearing a mask and the 43-year-old man who wasn't wearing a mask got into an altercation.The unmasked man reportedly stabbed the masked man and fled the area. A deputy later spotted the vehicle and pulled him over.Once the man pulled over his car, police say he approached the deputy with two knives and a screwdriver.Authorities say the assailant continued to approach the deputy as she backed up, and she fired her weapon, fatally shooting the assailant.The deputy was not physically harmed and is on administrative leave.The case has been turned over to Michigan State Police.The 77-year-old man who was stabbed is reportedly stable.This story was originally published by WXYZ in Detroit. 1000
An online rumor, claiming the demise of Spirit Halloween stores, has been laid to rest by the store itself.Spirit Halloween posted a message on Facebook, dispelling rumors that it would also be a victim of COVID-19 and would not be open for this year's Halloween.In the Facebook post Spirit said, "We heard you're crushed, disheartened, and downright sad. Well, don't worry, the rumors aren't true. WE ARE BACK & WE GOT THIS COVERED." 446
As coronavirus cases spike around the country this fall, and cities impose new or stricter stay-at-home policies, Americans continue a trend this year of moving away from big cities and heading to affordable, smaller metro areas or suburbs.In the last few months, Santa Barbara, Louisville, Buffalo, Burlington, and El Paso were the top five cities with more people looking to move there compared to people looking to leave, according to data from Redfin, a home listing company.Redfin looked at data from the third quarter of 2020, and compared it to data from 2019 about how many people were looking into moving to or leaving certain metro areas.“Remote work has opened up a whole new world of possibilities when it comes to buying a home,” said Redfin chief economist Daryl Fairweather in a release from the company. “Many residents of expensive areas like New York or Los Angeles couldn’t manage to afford rent and save for a home at the same time. So it’s no wonder that these folks are looking to buy homes in much more affordable places like Louisville and Little Rock.”Previous reports have shown similar trends in 2020, as the number of vacancies continue to climb in places like Manhattan, home prices are increasing and supply is dwindling in suburbs and smaller cities.An August report from HireaHelper.com, a website that helps with movers, found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving.In the Redfin data, Santa Barbara seems like an expensive outlier in the list of affordable cities. The other cities on the top ten list all have median home prices below the national average of 4,000.“Santa Barbara has become even more popular since the beginning of the pandemic as remote workers leave dense cities for picturesque places with more open spaces and beaches. Another advantage is that it’s not too far from Los Angeles, so remote workers have the option of commuting one or two days a week when offices open,” said California Redfin agent John Burdick in a statement.Overall, Redfin says 29 percent of people looking for homes on their sites in the third quarter of 2020 were looking to move to a different city. 2370
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