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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

AURORA, Colo. -- An undercover investigation by Scripps station KMGH in Denver has revealed another unlicensed person practicing health care in defiance of multiple state cease and desist orders handed down by regulators. A February KMGH?revealed 28 people had received such cease and desist orders from state regulators, but the state did little to ensure they actually stopped, and most never faced criminal charges. One of those people was Alfredo Ruiz, also known as Alfredo Ruiz Rueda, who received cease and desist orders from the Colorado Medical Board in 2013 and again in 2017. A search of the state’s professional license database shows Ruiz does not hold any kind of license in Colorado. In the orders, the board said Ruiz used laser equipment only appropriate for licensed medical professionals, and ordered him to stop providing skin injections.State records show Ruiz previously operated clinics called CI Laser Clinic and Central Integral de Belleza y Salud in the Denver area.It appeared Ruiz closed his clinics after receiving each order, but KMGH recently called the number posted online for those clinics and discovered Ruiz had reopened his business at another location.A producer left a message and received a phone call back in Spanish and a text with the clinic’s new address. The producer made an appointment for a Botox treatment.  Outside of the clinic’s door, a sign is posted listing various skin care services, injections and laser treatments in Spanish along with Ruiz’s name. Two KMGH producers brought hidden cameras into the office to speak to Ruiz about Botox.  When asked if he was a doctor, Ruiz responded affirmatively multiple times. He said he had 12 years experience and estimated he sees 10 patients per day. He showed the producers needles he would use to administer Botox, and he estimated one 28-year-old producer would likely need extra treatment costing between 5-0. When confronted after the appointment by KMGH reporter Ryan Luby, Ruiz claimed he was a doctor in Mexico. He also pointed out the certificates -- not state licenses -- on his wall indicating he had completed laser training. Ruiz indicated he works under the supervision of two licensed doctors whose names were posted on the sign outside of his clinic. Neither doctor was present in the office. When KMGH reached one of the doctors by phone, he said he had not worked with Ruiz in years and was surprised to learn his name was posted at the office. The other doctor could not be reached.When KMGH returned to the office days after the initial confrontation, the sign bearing the names of the other two doctors had been removed from the door, but the sign with Ruiz’s name and the services he offers remained. State rules allow some unlicensed individuals to provide medical-aesthetic treatmentThe state does allow for some “medical-aesthetic services” including laser treatment and injections to be administered by unlicensed individuals under the close supervision of a licensed physician.The medical board’s rules for such agreements requires documentation of the arrangement be “available to the public at the site where the delegated medical services are performed.” Ruiz did not produce any such documentation nor was it readily visible in his office.The board’s rules also require that patients are fully informed of such arrangements and sign forms affirming they have been made aware they are receiving care from an unlicensed person. “When the delegating physician is not actively involved in the patient encounter, the disclosure shall include: the service the patient is receiving is a medical service; the delegatee of the service is not licensed by the state of Colorado or is acting beyond the scope of his or her Colorado license, certification or registration; the delegatee is providing the service pursuant to the delegated authority of a physician; and, the delegating physician is available personally to consult with them or provide appropriate evaluation or treatment in relation to the delegated medical services,” the rules say in part.KMGH’s undercover producers received no such information during their discussion with Ruiz about Botox treatments.   State regulators, police take actionThe Department of Regulatory Agencies (DORA) acted quickly upon learning from KMGH that Ruiz was still practicing. The state’s medical board convened an emergency meeting and the state obtained a temporary restraining order against Ruiz. The state also referred the case to law enforcement for potential criminal charges for the second time.In 2017, DORA alerted the Denver district attorney about Ruiz but the DA’s office did not pursue an investigation because his previous office was already closed.Aurora police are now investigating Ruiz’s latest clinic, which police say is now vacant. Attorney General subpoenas KMGH again The office of Colorado Attorney General Cynthia Coffman sent subpoenas to KMGH seeking its video and a producer’s testimony to present as evidence in court as it seeks a permanent injunction against Ruiz. That marked the second time the state has subpoenaed KMGH’s investigative materials as evidence in court to seek court orders against unlicensed individuals.Last month, a KMGH producer testified in court in response to a subpoena in injunctive proceedings against Randy Flynt, who claimed to be a clinical psychologist and kept his office open more than a year after the state issued three cease and desist orders against him. In that case, the attorney general’s office played a portion of KMGH’s undercover video in court and the judge granted the temporary injunction. Pueblo police have also issued a warrant for Flynt’s arrest.In the Ruiz case, an injunction hearing is set for April 23. DORA is making changes DORA said it is making numerous improvements to its process for handling unlicensed individuals in the wake of KMGH’s investigation – changes first ordered by Governor John Hickenlooper in the days after the initial stories aired.The changes include: 6166

At least 71 people were killed and 325 others wounded in rebel-held Eastern Ghouta after the Syrian government carried out a series of airstrikes and artillery bombardments, the UK-based Syrian Observatory for Human Rights said Monday.Sixty-two of the victims were civilians, including nine children and five women. Nine militants were killed, the group said of the attacks near Damascus over a 24-hour period.CNN could not independently verify the claim.The Eastern Ghouta area has been surrounded by Syrian forces for more than four years, with the siege intensifying last May when government forces conducted a large-scale offensive.It was supposed to be one of the "de-escalation zones," according to the peace agreement struck by Russia, Turkey and Iran in May 2017.About 400,000 Syrians have been killed since the conflict erupted in 2011, according to the United Nations. As many as 5.4 million Syrians have left their country, the UN Refugee Agency said, and 6.1 million are displaced from their homes but still inside Syria. The UNHCR High Commissioner, Filippo Grandi, calls the situation in Syria "the biggest humanitarian and refugee crisis of our time."The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1270

As Thousand Oaks comes to grips with the dual traumas of a deadly mass shooting and destructive wildfires, Brian Hynes will have to decide whether to reopen the Southern California bar where 12 people were killed.The Borderline Bar & Grill, the kind of place that comforted and supported the community in times of distress, is closed after a Marine veteran opened fire there last week in what authorities called a "horrific scene" before he apparently took his own life.Will the bar reopen? Hynes, the establishment's owner, said he knows how he'll come to a decision."With what Borderline is to ... my community, I don't know if (reopening) is going to feel right. But once I stand inside that building, it's going to be like going to my childhood home, and I'll know. I'll know then," he told CNN's Brooke Baldwin on Monday afternoon."There's no way I'm not going to reopen out of fear or anything like that. If it works, we will definitely reopen, but right now ... with the fires going on in our same community ... I'm trying to get people back in their home beds, with their pets and their families." 1117

Authorities say a resident who suspected a man was drunk and got behind the wheel flagged down an officer, who was later shot and killed during the traffic stop.Stanislaus County sheriff's Sgt. Tom Letras told the Modesto Bee newspaper Friday night that the resident didn't see Cpl. Ronil Singh pull over the vehicle but heard the gunshots minutes later.Gustavo Perez Arriaga was captured Friday after a manhunt following Singh's killing Wednesday. Authorities say he was in the country illegally and was fleeing back to his native Mexico.Seven other people have been arrested on suspicion of helping Perez Arriaga, including his girlfriend and two of his brothers.Letras says Arriaga is expected to be arraigned on charges Wednesday. 742

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