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As colleges figure out how to structure classes this fall, many students are questioning whether to enroll at all. The idea of taking a gap year might sound enticing, but returning students should think twice.Many colleges have official gap year or deferred enrollment policies for incoming freshmen. But returning students who choose to take time off and re-enroll once the uncertainties of the COVID-19 pandemic have passed aren’t “gappers.” They’re “stopouts,” and they face risks that don’t come with a traditional gap year.The president and founder of The Institute of Student Loan Advisors, Betsy Mayotte, explains that colleges have individual leave of absence and withdrawal policies for students who want to take time off. Students who don’t follow those rules might end up with unexpected debt and be blocked from accessing their academic transcripts.“I see a lot of students that just stop going to school and don’t understand why they’re being charged,” says Mayotte.Taking a break from college this fall could derail your overall educational and financial goals. Here’s why you should stay enrolled.You might have to reapply to get back inUnless the college makes concessions, students without an approved leave of absence are at the mercy of the readmission policy to determine if they can return. Even with an approved leave of absence, you can miss only 180 days in a 12-month period, according to the Department of Education’s Code of Federal Regulations.Schools also don’t have to readmit students who take time off unofficially. For example, University of Arizona’s Graduate college usually requires a new application, application fee and a minimum 3.0 GPA on all previous coursework at the university before readmission.But University of Arizona Graduate College Dean, Andrew Carnie, says the college is making exceptions for students during the COVID-19 pandemic.“We are being very flexible with students who want to take off the fall,” says Carnie. “Students can take a leave of absence and we are approving leaves of absence retroactively. These are extraordinary circumstances.”Communicating with your college and knowing their COVID-19 plans and policies is key. “Students have to weigh their options and look at what’s going on with their university,” says Kenneth Stephens, director of the Department of Human Services for Florida’s Southeastern University. He notes that while his school has systems in place for students dealing with the COVID-19 crisis, others are still trying to figure it out.Some colleges allow students without a leave of absence to re-enroll after two years off with no hassle. But others, like the University of Miami or East Carolina University, require students to submit an application for readmission and pay a fee after missing only one semester of school.You might have to make student loan paymentsIf you have student loans, taking time off could trigger repayment to begin. Contact your student loan servicer or lender to find out their policy.All federal student loans are in an administrative forbearance through Sept. 30, due to a provision in the federal government’s coronavirus relief package. So until then, you don’t have to worry about your loans gaining interest or going into repayment.But if you plan on missing the school year, you will exhaust that window and payments will begin after your six-month grace period ends. While there is speculation that the forbearance could be extended, nothing has been announced.Federal student loans only get one grace period, so if you use it now you won’t have it available after you graduate, says Mayotte.The coronavirus relief package forbearance doesn’t apply to private student loans. If you decide to stopout due to COVID-19, your private loans might enter the grace period and then head into repayment. And not all private lenders allow academic deferments for students who return to school, so you could be on the hook for loan payments even when you return to full-time student status.You might not find stable workStudents planning to work full time must contend with the highest unemployment rate since the Great Depression. The coronavirus remains a threat, and a second wave could cause more shutdowns, which might make finding and keeping a job even harder.“I’ve had students who mentioned stopping-out, and I told them they should really think about that,” says Sharon Taylor, director of academic advising and professional enhancement at Virginia State University. “The first thing they say is they will work, and I ask them to look at how many people are out of work right now.”Taylor advises students to continue school if they can afford it and says, “It’s better to wait out the pandemic in school than out of school.”If you want to minimize coronavirus-related uncertainties with your school, there are options other than withdrawing completely.Take a half-time schedule: Students can take fewer classes and still maintain some of their financial aid benefits while making progress toward graduation. Not all students are comfortable with online learning. Taking fewer classes will give you more flexibility in case your school shuts down early to go online.Take online classes at a community college: If you need to complete general education requirements, you may be able to do them online at a local community college. That way you can save money on tuition, avoid the unknowns with in-person classes and complete graduation requirements. Before taking community college classes, check with your school to make sure the classes will transfer and that you are in compliance with your school’s dual enrollment policies.Take an official leave of absence: If you decide not to take classes this fall, work with your school to take an official leave of absence. Communicate with your college to let them know why you want to take time off and when you plan to return. Make sure you ask questions about financial aid implications and try to work out exceptions to get more favorable terms with your school and loan servicer. If you have private loans, contact your lender to discuss your leave of absence and ask questions about how it will affect your loan’s status.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow to Get Student Loan Relief During the Pandemic and BeyondStill Undecided About College This Fall? Know These Four OptionsWhat Is a Student Loan Grace Period?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 6549

As hundreds of students from Marjory Stoneman Douglas High School prepare to board buses to lobby lawmakers to demand gun control, a measure was struck down on Tuesday by the Republican-held Florida House that would ban assault weapons. The motion was denied by a whopping 71-36 tally. Tuesday's vote came six days after a confessed gunman killed 17 lives at the Parkland, Florida high school. Many of the 3,000 students of the high school have since been vocal in their opposition to status quo gun laws, with the hope of increasing restrictions to posses firearms. The accused gunman, Nikolas Cruz, used an AR-15 type weapon during his massacre, which only lasted several minutes before he tried to blend in with students escaping the school. According to the Associated Press, the bill will likely no longer be considered during this session of the legislature.  898

APATUL VALLEY (CNS) - Firefighters battling the Valley Fire in rural eastern San Diego County worked to take advantage of lighter winds and higher humidity this morning in an attempt to increase containment of the blaze.The fire, southeast of Alpine, has burned 17,665 acres, destroyed 30 residences and 31 outbuildings, damaged 11 other structures, injured three firefighters and was 79% contained.At noon Friday, Cal Fire announced that all evacuations and road closures necessitated by the conflagration, dubbed the Valley Fire, had been lifted.However, Cleveland National Forest remained closed to the public until further notice ``to protect natural resources and provide for the safety of the public and firefighters,'' Cal Fire advised.``This closure will stay in place until conditions improve and we are confident that national forest visitors can recreate safely,'' according to the state agency.The blaze erupted for unknown reasons early Sept. 5 off Spirit Trail and Carveacre Road and spread rapidly through tinder-dry vegetation amid sweltering heat and high winds, Cal Fire officials said.Cal Fire cautioned those returning to the fire-ravaged area Friday to ``use extreme caution around trees, power poles and other tall objects or structures that may have been weakened'' by the blaze.The San Diego County Sheriff's Department will increased its patrols in the area to ensure public safety and prevent looting, according to Cal Fire.Officials advised that motorists in the area may face traffic disruptions due to the continued presence of firefighters, law enforcement personnel and utility workers still working there.Non-residents were asked to avoid locales in and around the burn zone if possible.About 140 San Diego Gas & Electric customers in Alpine, Barrett Lake, Dehesa, Lyons Valley and Rancho Palo Verde were without power. Electricity was restore to many customers on Friday and the rest were expected to be back online by Tuesday afternoon, the utility said.Due to smoke drifting over much of the San Diego region, the county Pollution Control District advised that the air quality may be unhealthy in some local communities and advised people to limit outdoor activities until conditions improve.Gov. Gavin Newsom declared a state of emergency for San Diego County Sunday due to the Valley Fire, a move intended to free up federal relief funds.County officials encouraged people who have lost their homes or other property to the wildfire to call for assistance at 858-715-2200 or email valleyfirerecovery.@sdcounty@ca.gov.Additionally, a county assistance center for victims of the blaze will be in operation at Rancho San Diego Library, 11555 Via Rancho San Diego, on Saturdays and Sundays from 10 a.m. to 6 p.m. and Mondays from 11 a.m. to 7 p.m. until further notice.Those who would like to help victims of the fire can make donations to a disaster-relief fund implemented by the San Diego Foundation, which can be accessed online at sdcountyrecovery.com. 3002

An operation is underway to evacuate thousands of tourists after a deadly earthquake that rocked some of Indonesia's most idyllic islands late Sunday night.At least 98 people, all Indonesian nationals, were killed when the 6.9 magnitude quake struck the popular tourist island of Lombok, Indonesian authorities said Monday. More than 200 were also injured.The majority of those killed in the quake were hit by falling debris from collapsing buildings, said Sutopo Purwo Nugroho, the head of Indonesia's disaster management department.In total, an estimated 20,000 people have been displaced by the massive earthquake, Nugroho said.Dramatic video tweeted by authorities showed hundreds of people, many believed to be foreign vacationers, crammed onto a beach on the island of Gili Trawangan as evacuation measures got underway.Emergency personnel were racing to evacuate thousands of tourists from the three small Gili Islands as night began to fall. The islands, famous for their white sandy beaches and clear waters, are located near the epicenter of the quake on Lombok.Earlier rescue efforts were hampered by shallow waters, but rising sea waters mean nine ships are now expected to dock on the islands.So far, up to 2,700 tourists have been moved from the Gili Islands, according to Nugroho. He added that Lombok's airport was now open around the clock and had significantly increased its flight schedule.The epicenter of the quake was in northern Lombok, a more residential, less developed part of the island. The majority of Lombok's tourist resorts are on the island's southern coast.British tourist Mike Bennett, stranded on the island of Gili Meno along with around 100 other people, told CNN he faced an anxious night ahead."It's getting dark now," he said. "There's no power, there's no water, we're going to hold out and just see what happens tomorrow."  1879

ANAHEIM (CNS) - Disney officials informed Anaheim Wednesday that they have canceled plans for a 700-room luxury hotel at Disneyland Resort in light of the city's decision to scrub tax-incentive deals for the project.The Anaheim City Council voted Aug. 28 to cancel the tax-incentive deals because the project had changed over time, including a new location. Council members also said they were concerned the new location would shutter businesses, costing jobs.Disney officials at the time denied making substantive changes to the project, and said the location shift was minor and still in the same general area.RELATED: Disney puts hotel construction at Downtown Disney in Anaheim on holdDisney spokeswoman Lisa Haines told the Los Angeles Times that while the cancellation of the project "is disappointing for many, the conditions and agreements that stimulated this investment in Anaheim no longer exist and we must therefore adjust our long-term investment strategy."The tax deals were originally meant to spur Disney to build the luxury hotel at the resort and spend millions to expand the company's two theme parks. Construction was scheduled to start this summer, but it was put on hold over details on the development.The hotel was expected to open in 2021 and be the company's fourth at the Disneyland Resort.RELATED: Disneyland agrees to pay its workers an hour"I can't imagine a better piece of property for a hotel in the entire country," Mayor Tom Tait said Wednesday. "And Disney should be able to do it with their own money and not ours."Tait added, "If a hotel doesn't make sense, maybe they've got something better in mind, or even more profitable."Tait said state law prevented the city from providing tax subsidies for the project after Disney moved it from a parking lot to another location within Downtown Disney.RELATED: Take a virtual walk through Disney Parks with new 360-degree panoramas on Google Street View"They got the agreement passed with the old council and state law requires a jobs analysis before giving money from a city, and that jobs analysis then was starting at zero because it was going to be on a parking lot and now they've moved it," Tait said.The more recent project would "take out 130,000 square feet of retail space and 450 jobs," Tait said."And you can imagine if those 450 people knew about this when they asked for that agreement they would all show up at City Hall demanding why would we be giving incentives to take their job away," Tait said.RELATED: Several Downtown Disney businesses to close for 700-room hotelAt Tuesday night's council meeting, the city attorney announced that Anaheim had determined that Measure L, which seeks to raise the minimum wage in the city to per hour for workers at projects subsidized by tax breaks, did not apply to Disneyland because it no longer had the incentive agreements with the city.Measure L was drafted to target Disneyland Resort, but the company has since come to an agreement to raise wages for most of its employees. 3050