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Many colleges are welcoming students back for in-person learning and dormitory living this fall semester. Looming over everything: Campuses could shut back down at any time.With COVID-19 cases still high, many colleges are developing shutdown contingency plans alongside their reopening arrangements.At the same time, the pandemic is fueling new debate about whether colleges should charge the same tuition for online and in-person classes. Tuition typically covers the cost of instruction — salaries, software, labs and such — and that cost at many schools may have increased.The University of North Carolina Wilmington, as an exception, has a different cost structure for online, hybrid and in-person classes. Still, it announced that students won’t receive a tuition refund if in-person classes move online this fall. And, after the pivot from its sister school at Chapel Hill, it told students to prepare for a similar transition if cases rise.That leaves freshman Owen Palmer weighing the possibility that the education he is paying for may not be the one he gets. “I’m taking a risk because (the university) mentioned they can’t do refunds,” says Palmer. For him, the risk is worth it, but he does wonder what he’ll do if the campus has to close.Here’s what he and other students can expect as the fall shapes up.Don’t expect a break on tuitionSome schools have cut tuition. Hampton University is offering students a 15% discount, bringing undergraduate tuition to ,519. Other schools are offering additional scholarships and grants.But tuition decreases and additional aid aren’t the norm.“If I had to make bets, I would say a lot of colleges will be (freezing tuition) until they get a better sense of the economy,” says Arun Ponnusamy, chief academic officer at the college admissions and application counseling company Collegewise. “But there will be other colleges that say, ‘We need money to run this school.’”That may be happening already. George Mason University in Virginia approved a tuition increase of 0. The University of Michigan approved a 1.9% tuition increase. Both schools are planning a mix of online and in-person instruction.Meals and housing refunds likelyMany colleges aren’t publicizing their shutdown contingency plans — or how refunds will work. But students can look to how their school handled refunds in the spring to gauge how fall might play out.Florida Agricultural and Mechanical University gave refunds for on-campus housing and meal plans, says William Hudson Jr., the school’s vice president for student affairs. If the campus has to shut down this fall, Hudson says the refund structure “would probably be the same.”Other colleges also offered direct refunds for students. For example, Temple University automatically deposited partial refunds for room and board in students’ bank accounts. The University of North Carolina Wilmington gave prorated refunds for room and board.But some colleges opted for account credit instead.The University of Arkansas refunded about 20% of room and board costs to student accounts. They haven’t announced an official plan in case of a fall shutdown, but staff members expect it’ll be the same.The University of Alabama offered a prorated refund for room and board, and parking. Students could take a cash refund immediately or apply that amount and an extra 10% as an account credit for the fall.How can you prepare?If you’re planning to return to campus housing, contact your school and ask about its shutdown contingency plans. You’ll want to know what factors would cause it to shut down again. This could be a campus COVID-19 outbreak of a certain size, an increase in local cases or other factors.You can’t stop a campus shutdown, but if you know the metrics your school is looking at, you can anticipate it and react more confidently.Make backup plans for housing if your campus closes. Determine if you’ll go home, stay with a friend, get your own apartment or something else. Communicate your intentions with those you plan to stay with or scope out affordable apartments in advance. That way, if the campus shuts down suddenly, you know exactly where you’ll go.Ask your college about emergency funds and grants if a campus closure will cause you financial hardship. Many colleges have funds available for students.Plan how you’d use a refund. If your school offers a direct refund, consider whether you’ll need that money for living expenses. If you don’t need the money for living expenses, send the refund back to your student loan servicer. Doing so will keep your overall loan balance down and save you money in the long run.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisCollege During COVID-19: Your Aid Questions AnsweredStudent Loan Borrowers: Don’t Wait on Congress for More ReliefCecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4902

MIAMI SHORES, Fla. (AP) — Authorities say a Florida police officer’s wife died after becoming trapped in the back of his patrol vehicle for several hours during a hot afternoon. Investigators are treating the death of 56-year-old Clara Paulino as an accident. She died Friday afternoon while her 58-year-old husband Aristides Paulino was sleeping in their Miami Shores home after finishing a midnight shift. The Miami Herald reports Paulino woke up around 5 p.m. and started looking for his wife, finding her cell phone on the back patio. He and one of his sons found Clara in the vehicle. Officials say she had climbed into the backseat of his marked SUV to find something when the doors somehow closed, and a self-locking mechanism engaged. The vehicle has a partition between the back seat and front seat, meaning Clara could not reach the horn. “It’s literally a cage,” one Miami police officer familiar with the vehicle told the Miami Herald.Temperatures reached over 90 degrees as she spent about four hours in the vehicle. 1037

Madonna announced Tuesday that she is writing and directing a biopic about her life and career.The singer said in a press release that she is co-writing the script with Oscar-winning screenwriter Diablo Cody.“I want to convey the incredible journey that life has taken me on as an artist, a musician, a dancer – a human being, trying to make her way in this world,” said Madonna in the press release. “The focus of this film will always be music. Music has kept me going, and art has kept me alive. There are so many untold and inspiring stories, and who better to tell it than me. It’s essential to share the roller coaster ride of my life with my voice and vision.”The film will look into the Material Girl's rise to fame as an international music star.Universal will distribute the biopic, the press release stated. 826

Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said.  She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said.  “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643

Many of the thousands of migrants waiting to claim asylum are realizing their dream to live in America may be a tougher road than they imagined, especially following Sunday’s clash at the border, involving a group of migrants and U.S. officials.Conditions are horrid in one camp in the border city of Tijuana, Mexico, where people have been living in tents for weeks in a lot that once was a baseball complex. Many of them dream of starting a new live in the U.S., but those dreams are fading.Maria Elena Reyes waited in line for hours, hoping a volunteer may have a clean shirt. For her, these living conditions, and even the month-long journey from Honduras, all seemed worth it to get to the border. But that’s when she says she had hope of finding asylum in America.“To look for a better life, to help my grandchildren who are in Honduras and my daughters, and for myself,” Reyes says.But like others at the camp, her optimism seems to fade with each passing day in the tent city, especially after what happened Sunday, when U.S. border agents used tear gas on a group of migrants.“I would say after that incident, which was really bad, a lot of doors closed,” Reyes says.Already worn out from the long journey, many of these migrants are now fearful of the US, scared of what could happen at the border, even if they apply for asylum the legal way.Sarahi Nunes and her 3-year-old daughter, Genesis, thought getting into the US would be easier, but knowing there’s a months-long wait just for an official asylum appointment, makes her doubt whether she'll ever obtain her American dream.“Yes, at first, that was the plan,” Nunes says. “But now, I see how difficult it is for people asking for asylum.” She's already started the process of applying for a work visa to stay here, in Mexico. She says living in Mexico would still be a step up from her life in Honduras.Reyes is also hopeful she could find a job in Mexico, but she says if she doesn't in the next week, she will go back to Honduras.“It was a very hard battle to get here,” Reyes says. “I would not like to go back empty-handed.”  Reyes says she doesn’t want to give up, but knowing if she does return home, that’s what it will feel like. 2222