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Attending college from a laptop in your childhood bedroom might not be the experience you had in mind.But just because you’re not living in a dorm this fall doesn’t mean that expenses disappear. Your cost of attendance might have changed if you’re learning remotely due to COVID-19, but colleges will factor at-home or off-campus living expenses into your overall costs.And you can still use financial aid — including student loans — to pay for them.How cost of attendance worksColleges determine their own cost of attendance for each academic year. This amount factors in all of your direct costs including tuition, fees, room and board, as well as estimates for books, supplies, technology and transportation. Schools often have different cost-of-attendance calculations for students who live in dorms, off campus or even in another state.Your financial aid and student loans are applied first toward tuition and fees, then room and board. Any remaining funds are distributed to you to use for living expenses.Your aid package might shift if your cost of attendance changes.For example, you can borrow money only up to the total cost of attendance; if that number goes down, so does the amount you can borrow. And if any part of your aid package is pegged to living on campus and you no longer are, your aid could change.How cost of attendance is different this yearCost of attendance is adjusted annually, but some schools are modifying their calculations due to the pandemic. For example, Williams College, a private school in Williamstown, Massachusetts, reduced its cost of attendance for 2020-21 by 15%. Williams College is planning a hybrid of in-person and remote learning — students can live on campus if they want to.Schools that go fully remote will have few — or no — options for on-campus housing. And that could mean heading back to your parents’ house or finding off-campus accommodations.Your school might break down the cost of attendance according to your living situation. Here’s what 2020-21 looks like at the University of California, Berkeley, for example, where students will attend remotely for the start of the fall semester:Living in a campus residence hall: ,460.Living in an on-campus apartment: ,876.Living in an off-campus apartment: ,920.Living with relatives: ,492.If your school goes remote, the cost of attendance will be modified for all students. But if you have the choice to return to campus and stay home instead, you must let the college know your plans so your cost is adjusted.“It’s actually less expensive if students stay home and take classes remotely,” says William Hudson Jr., vice president for student affairs at Florida A&M University in Tallahassee, which is planning a hybrid approach.Cost of attendance represents the ceiling on what you can borrow. Every dollar you don’t have to borrow is a dollar you don’t have to repay, with interest, down the road. That means if you stay home rent-free or share an apartment with others to save on living costs, you’re way ahead in the long run.Here are some possible college living arrangements you’ll have in the fall and how to pay for them:Living on campus for in-person or online classesIf your school is operating an in-person or hybrid model where you live on campus, your cost of attendance won’t change, which means your financial aid won’t change either.But your campus could close during the school year due to COVID-19. If this happens, as it did to many colleges last spring, your school will likely reimburse a prorated amount for nontuition costs like room, board and facility fees.Multiple schools that are planning to open in person are also moving to remote instruction after Thanksgiving break. Some schools are also staggering move-in dates. Those factors could alter the total cost of room and board you’re paying this semester.For example, at Penn State University, students will start the fall semester in person but switch to remote learning in late November. To reflect this change, the cost of a standard double room was lowered by 7 — from ,427 to ,820 — and the midlevel meal plan was lowered from ,449 to ,193.Living off campus on your own or with roommatesLiving off campus, you won’t have room and board taken into consideration, but you’ll have additional expenses like rent, groceries and utilities. You can use financial aid to pay these bills.Colleges often use regional data and student surveys to come up with estimates for off-campus rent and utilities, and oftentimes those amounts aren’t too different from living on campus, says Jill Desjean, policy analyst at the National Association of Student Financial Aid Administrators. However, your school will always consider living off campus to be cheaper than living on campus.Montclair State University in New Jersey, for example, estimates that housing and meals for in-state students who live off campus will cost ,068 for the fall semester, compared with ,193 for room and board on campus.Living at home with your parentsYour expenses may be lower at home with your parents than living on your own or on campus, but colleges will factor into their estimates the costs your parents take on by having you home, Desjean says.“When you bring that student back in, the lights are on longer, you have to feed them so the cost of food goes up, heating — everything goes up,” Desjean says. You can use financial aid to offset your contribution to increased home bills.And remember that the school’s cost of attendance impacts how much financial aid you can get, but it’s an estimate rather than an exhaustive list. You might need additional technology and equipment to learn more effectively from home, such as a dedicated desk setup and laptop if you don’t have one.How to get more funds for living expensesIf you or your family run into financial difficulty during the school year, ask your school about getting more financial aid. This requires you to submit a financial aid appeal to your school with a letter and to update the Free Application for Federal Student Aid, or FAFSA.You might also qualify for emergency aid such as cash grants, completion scholarships, emergency student loans or vouchers.More From NerdWalletWhat Is College Cost of Attendance?7 Kinds of COVID-19 Relief for College StudentsCollege During COVID-19: Your Aid Questions AnsweredAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 6470

As many public health experts have expressed concern over President Donald Trump's re-election rallies amid the coronavirus pandemic, a study conducted by Stanford University examined the number of illnesses stemming from the rallies.According to the study published last week, the rallies likely caused 30,000 other coronavirus-related infections, resulting in 700 deaths. The study's authors noted that these cases were not specifically from rally attendees, which means that attendees could have spread the virus to others.The study did not use contact tracing; instead, they relied on a statistical model that analyzes the virus's spread in communities Trump held rallies.Specifically, researchers examined 18 rallies Trump held from June 20 to Sept. 22, noting that coronavirus cases in the area near the rallies increased by more than 250 per 100,000 residents."Our analysis strongly supports the warnings and recommendations of public health officials concerning the risk of COVID-19 transmission at large group gatherings, particularly when the degree of compliance with guidelines concerning the use of masks and social distancing is low," the study's authors said. "The communities in which Trump rallies took place paid a high price in terms of disease and death."Trump's rallies have generally included thousands of supporters standing shoulder to shoulder. While masks are often handed to supporters, most supporters at rallies opt not to wear them.Public health experts say that a combination of masks and keeping six feet of distance helps minimize the virus's spread, which has claimed more than 230,000 American lives since the spring.Public health experts have also encouraged people to hold gatherings outside, as most Trump rallies since he resumed campaigning in June have been held outdoors with a few exceptions.Trump has often mocked his opponent Joe Biden, who has held much smaller events to spread out the crowd. Biden has held several "drive-in" style events.Dr. Anthony Fauci, whose recent disagreements with Trump have boiled over on the campaign trail, said in an interview with CNN, he was troubled by Trump's rallies."We know that is asking for trouble when you do that," Fauci told. "We've seen that when you have situations of congregate settings where there are a lot of people without masks, the data speak for themselves."To read the full study, click here. 2403

As the Miami Marlins and Philadelphia Phillies prepare to return to play following a week hiatus, the St. Louis Cardinals will be forced to sit out for another few days.On Monday, MLB announced it has postponed this week's three-game series between St. Louis and Detroit following a number of Cardinals players testing positive for the coronavirus late last week. The Cardinals' COVID-19 outbreak was the second COVID-19 rash MLB has encountered since resuming the season 11 days ago.According to MLB, 13 members of the Cardinals, including players and staff, have tested positive for the virus. The team has been holed up in Milwaukee since Thursday and remains quarantined there. The team is slated to resume play on Friday in St. Louis against the Cubs.The start of the coronavirus-shortened MLB season has been bumpy as several prominent players have opted to walk away from the season. Most notably, Mets star slugger Yoenis Cespedes said Sunday he would no longer participate in the 2020 season over coronavirus concerns.Earlier in the weekend, Red Sox ace Eduardo Rodriguez declined to return to baseball after facing complications from the coronavirus. Rodriguez told MassLive that he discovered a heart condition following his bout with the virus. 1264

Attorney General William Barr took aim at his own Justice Department on Wednesday, criticizing prosecutors for behaving as “headhunters” in their pursuit of prominent targets and politically charged cases.The comments at a speech at Hillsdale College in Michigan amount to a striking and unusual rebuke of the thousands of prosecutors who do the daily work of assembling criminal cases across the country.Barr described the prosecutors as part of the “permanent bureaucracy” and said they were in need of supervision from “detached,” politically appointed leaders who are accountable to the president and Congress.“The men and women who have ultimate authority in the Justice Department are thus the ones on whom our elected officials have conferred that responsibility — by presidential appointment and Senate confirmation,” Barr said, according to his prepared remarks. “That blessing by the two political branches of government gives these officials democratic legitimacy that career officials simply do not possess.”As Attorney General, Barr has been aggressive in pursuing certain categories of prosecution himself, including seeking federal charges against those arrested in protests following the death of George Floyd. In fact, later on Wednesday, Barr said wants prosecutors to be aggressive in charging demonstrators who cause violence.So far, more than 300 people have been charged with federal crimes in the protests that erupted following the death of George Floyd.An Associated Press analysis shows that many are accused of serious crimes like hurling Molotov cocktails, burning police cars and seriously injuring law enforcement. Others are not accused of serious crimes, prompting criticism that the effort is a politically motivated effort to stymie demonstrations. 1790

As many restaurants navigate reopening during the COVID-19 pandemic, some have had to close their doors for good. Many of the hardest hit are buffet-style restaurants as national and state agencies are trying their best to safely keep buffets operating."The toughest part of restaurants right now is if you’ve got a buffet, how do you provide that safely? And so what we’ve guided folks currently is that you can have a buffet but you have to have somebody serve you," says Rob Mortensen, President and CEO of Hospitality Tennessee. The group is working closely with the National Restaurant Association and government officials to provide guidelines for restaurants and hotels during the coronavirus pandemic."As I worked with [Tenn. Gov. Bill Lee] on guidance for restaurants and attractions, our biggest issues are around buffets and big sporting events where you have tens of thousands of people together, because it’s hard to reduce that contact," says Mortensen.Many people are used to being able to serve yourself at a buffet but experts are now advising buffet-style restaurants to instead have restaurant employees serve customers. Even hotels that normally offer a morning buffet are instead offering their guests breakfast to-go."I would say look at how you’re doing things. If it makes sense to serve people from the buffet I think for the next short bit that’s going to be the most challenging thing we’re going to address," says Mortensen.Recently, national chain Sweet Tomatoes, also known as Souplantation in Southern California, announced it's closing all 97 of its locations permanently due to COVID-19. In a statement on their website, Sweet Tomatoes thanked their 4,400 employees and their customers who have shown an outpouring of support for the salad bar and buffet since it first opened more than 40 years ago."That’s extremely sad and I would say, you know one of the things in my role watching this over the last four months as my wife has said I’ve probably aged 20 years, because it’s hard and you know the difference between keeping somebody safe and a business going under I mean the hardships there are on both sides," says Mortensen.Mortensen expects a real fundamental change in how buffets will operate for the foreseeable future, with many looking to reinvent themselves in order to stay open. 2335

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