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High school seniors who plan on taking a gap year this fall to wait out the pandemic could be paying for it for the rest of their lives.While a one-year wait might seem like the right decision for students who don’t want to study online or risk COVID-19 exposure, graduating a year later could cost ,000 in lifetime earnings. A new study from the Federal Reserve Bank of New York details how taking a gap year could put students behind their peers financially and create an insurmountable earnings gap.According to the study, a 22-year-old college graduate earns ,000 on average the first year out of college, and can expect to make ,000 the year they turn 25. By contrast, if a student takes a gap year and delays graduation, they can expect to earn ,000 by age 25 — ,000 less. That gap will perpetuate and compound for late graduates throughout their careers.“Being a year behind, these differences add up each and every year, so that those graduating later never catch up to those who graduated earlier,” researchers Jaison Abel and Richard Deitz write in the report. “Together, these costs add up to more than ,000 over one’s working life, which erodes the value of a college degree.”College might cost even moreCollege typically gets more expensive every year, but this year might be an exception. A few colleges are freezing tuition or offering discounts, and students might see their living expenses decrease. Federal student loan interest rates are at historic lows as well.But experts don’t expect those trends to continue past the health crisis. And missing school this fall means you don’t get to take advantage of lower college expenses.Irma Becerra, president of Marymount University in Virginia, says colleges have had to make major investments to prepare for instruction this fall. Her school plans a hybrid-flex model that will allow students to blend in-person and remote learning based on their needs and comfort level.“Every university that I know has had to incur significant expense to deal with safely reopening or keeping staff and faculty on payroll,” Becerra says.She adds that while colleges are sensitive to the ripple effects of the economic downturn, she expects them to raise tuition in the future unless the government increases investments in higher education. “I can only imagine that [colleges] will have to raise tuition because we’ve all had significant expenses.”Students who opt for a gap year may also have to face higher tuition with less aid. According to Lindsay Clark, director of external affairs at the student finance app Savi, “Taking a gap year and deferring admission could affect scholarships or financial aid offerings if they are not guaranteed for the next year.”Is a gap year still worth the risk?While experts agree that making ,000 less during your lifetime is significant, they advise students not to base their gap-year decision on that figure alone.Arun Ponnusamy, chief academic officer at the college admissions counseling company Collegewise, points out that the return on investment for college is still substantial — even with a gap-year pay dip.A college graduate will make roughly a million dollars more than a high school graduate, according to Ponnusamy. “So we are talking about, you will lose 9% of that by sitting out a year? It just doesn’t sound like that is the number you should use to choose whether or not you sit out.”Martin Van Der Werf, associate director of editorial and postsecondary policy at Georgetown University’s Center on Education and the Workforce, advises students to consider their motivations for going to college and evaluate any anxieties they might have.As the father of a rising college freshman, Van Der Werf knows firsthand the difficult choices and serious implications facing students. He says that students who are experiencing anxiety about the fall may be best served by taking off a semester or two — despite potential wage loss.“The worst thing that could happen is you start college, you don’t finish and you have all this debt,” Van Der Werf says when talking about the potential for some students to be unsuccessful with remote learning. “Then you don’t have a degree to pay off that debt.”He advises students to keep their options open and pay attention to their school’s reopening plans. “There are colleges who announced that they were coming back but are going online. If that makes you uncomfortable, you shouldn’t do it.”More From NerdWalletDon’t Wait to Refinance These Student Loans‘Shadow’ Lenders Can Leave College Students in the DarkStudent Loan Refi Rates Keep Dropping, Should You Take the Plunge?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 4719

Hours after a man was charged in connection with Hania Aguilar's kidnapping and killing, the popular North Carolina teenager was remembered Saturday as a loving daughter and friend during a funeral service at her middle school's gymnasium.Hundreds gathered around Hania's white casket at Lumberton Junior High School, where her mother, Celsa Maribel Hernandez, recalled the last time she held her hand. Moments later, as Christina Perri's "A Thousand Years" began to play, she remembered the many times they cried together while listening to Hania's favorite song.A letter was read from the 13-year-old's father, Noé Aguilar, who was denied a temporary visa to travel from Guatemala for her funeral."You were and you are my treasure," he wrote. "Rest in peace daughter, my gorgeous princess. ... You were gone before me, my gorgeous princess." 851

Heather Locklear was taken to jail after deputies responded to her home Sunday night on a report of domestic violence, and she allegedly attacked a responding police officer.TMZ reports Locklear?became combative toward the officer at her home in Thousand Oaks, California. She was arrested on three counts of misdemeanor battery for the attack.Locklear, known for her roles in "Franklin and Bash," "Melrose Place" and several other TV shows and films, is 56 years old.In years past, she has been arrested on DUI charges. She's had struggles with drug abuse, TMZ says.It is not clear who was in her home when the domestic violence call was made to police. Locklear was expected to post bail, TMZ says.In September 2017, Locklear was hospitalized after being in a crash in Thousand Oaks. 818

Google has decided that most of its 200,000 employees and contractors should work from home through next June. It's a sobering assessment of the pandemic’s potential staying power from the company that provides the answers for the world’s most trusted internet search engine. The remote-work order issued Monday by Google CEO Sundar Pichai also affects other companies owned by Google’s corporate parent, Alphabet Inc. It marks a six-month extension of Google’s previous plan to keep most of its offices closed through the rest of this year. The prolonged lockdown of Google’s offices could influence other major employers to take similar precautions. 659

From celebrities to the everyday women, shapewear has become a wardrobe staple.   Dr. Stephen New of Rose Medical Center says depending on how tight you wear them, they could have can have ramifications to your health.  "If shapewear with its tight compression, I would expect symptoms, especially if it was pushing against the stomach," Dr. New says.For most women who wear shapewear, it's only for a few hours. Dr. New says those side effects would then be temporary.   "It could cause acid reflux symptoms and certainly exacerbate gas and bloating-like symptoms, which is uncomfortable as well," the doctor says.However, if you're someone who makes these apart of your everyday wardrobe, the long-term effects are dangerous.  "Where is acid reflux in a very, very small number of patients could contribute to inflammation scar tissue inflammation or narrowing of the esophagus," Dr. New explains.So, if you plan to wear shapewear under your holiday dresses this season, or really any day, Dr. New says to limit the time you’re in them and make sure they aren't digging into you.    1132

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